novastris offers you the chance to protect yourself from the financial consequences
of being unable to work because of an accident.
You can choose the type of cover you need (already tailored to the risks associated
with your own type of work) and also the level you require, simply and easily.
Cover ranges from that purely associated with the very worst eventuality - your
accidental death - to other options covering varying levels of accidental disablement,
depending on the severity of the injuries sustained, on either permanent and/or
temporary basis.
In addition novastris offer a range of extra benefits that can help with the costs
of the consequences of an accident - be they practical or psychological.
Obviously you should consult the policy wording for the full terms and conditions
before purchasing but detailed below are a brief summary of the insurance products
and added benefits available.
Accidental death
This cover is the basis for all novastris personal accident insurance and covers
the insured’s death as a result of a sudden, unexpected unusual, specific
event which occurred at an identifiable time and place during the period of insurance
Permanent total disablement
This covers disablement caused by an accident which has rendered the insured unable
to carry out their usual occupation, or any occupation suited to their training
and experience, for the remainder of their life.
Temporary total disablement
This covers you if you are totally disabled from carrying out all the material
duties of your paid normal occupation at the time of the accident and, throughout
the period of your disability, you remain under the care of a doctor.
In addition to tailoring your insurance cover you can also add extra specific benefits
as detailed below
Bereavement Benefit
This benefit may pay for the cost of counselling sessions, subject to all applicable
conditions and exclusions, when an immediate family member requires bereavement
and trauma counselling as a result of the death of the insured.
Home Alteration Benefit
Available if permanent total disablement payment is received under this insurance,
this benefit will pay the one-time cost of alterations to the insured’s home
in order to make it wheel-chair accessible and habitable.
Funeral Expenses Benefit
This benefit may pay for all Funeral Director costs and disbursements. Your next
of kin will need to pay for any extras they would like to include at the time of
arranging the funeral.
Dependants’ Benefit
This benefit may cover childcare expenses incurred for the services of a registered
childcare provider, domestic assistance expenses incurred in employing an approved
domestic service company for domestic assistance at home and minor dependants’ cash
lump sum benefit.
Each of the above extra benefits are subject to a maximum amount as detailed in
your insurance schedule.