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PERSONAL ACCIDENT

An essential choice to protect yourself and your close relatives from the consequences of an accident occurring in your daily life, leisure time, whilst travelling, or driving, 24/24 worldwide. You may also wish to cover yourself as a driver, together with the passengers of the vehicle not legally considered as third parties (family, employees).

You have the opportunity to suscribe until you reach 65 years old.

Part 1: General
We will pay the agreed sum in the event of :
- Death
- Temporary or permanent total disablement
- Loss of limbs
- Medical expenses arising out of any accident

Extensions are also available for the following activities :
- Underwater fishing
- Waterskiing
- Hunting (in Mauritius)
- Motorcycling
- Riots, strikes

Part 2: Car Occupants
We will indemnify the occupants of your vehicle shall they sustain any accidental bodily injury in connection with the use of the car.

You will also be covered as occupant of any mechanically propelled vehicle in the event of an accidental bodily injury.
 
HEALTH INSURANCE
ALBATROSS ASSISTANCE 24H/24H PROVIDED BY AXA ASSISTANCE OCEAN INDIEN (AXA AOI)
A worldwide insurance (except USA and Canada) with two covers available depending upon your needs and those of your family. Reduce your medical fees; avoid financial difficulties after a long stay in hospital or a major operation following a disease or an accident.
Our professional team will be happy to help you choose the level of protection that suits you best within our range of benefits. Aged less than 50, this cover applies to you.

We will take care of the health expenses following a disease or an accident, within the limits of the package that you have chosen.

Part 1. A: General (Corporate Customer)

- Surgical expenses: anaesthetic, pharmaceutical, X-rays, analysis fees, hospitalisation fees, transportation of insured
- Medical expenses: fees, treatments, X-rays, analysis fees, transportation of insured
- Confinement
- Eye tratment: spectacles, contact lenses, ophthalmologist fees
- Normal dental treatment
- Hearing aid

 

ALTERNATIVES

LIMIT ANY ONE EVENT

BENEFITS 1 (Rs) 2 (Rs) 3 (Rs)
1. Surgical Expenses
As a result of illness/accident but
Including cæsarean operation
Limit for the period : Rs 75,000		 15,000 20,000 25,000
 

LIMIT ANY ONE
EVENT/

AND FOR THE PERIOD

BENEFITS 1 (Rs) 2 (Rs) 3 (Rs)
2. Medical Expenses
As a result of illness/accident (excluding those in connection with 3 to 5)		 15,000 20,000 25,000
3. Confinement
(excluding cæsarian operation)		 10,000 15,000 20,000
4. Eye/Dental Treatment 5,000 5,000 5,000
5. Hearing Aids 6,000 6,000 6,000
TOTAL ANNUAL PREMIUM
PER INSURED PERSON		 4,100 5,000 6,100


Part 1. B: General (Individual Customer)

- Surgical expenses: anaesthetic, pharmaceutical, X-rays, analysis fees, hospitalisation fees, transportation of insured
- Medical expenses: fees, treatments, X-rays, analysis fees, transportation of insured
- Confinement
- Eye tratment: spectacles, contact lenses, ophthalmologist fees
- Normal dental treatment
- Hearing aid

 

ALTERNATIVES

LIMIT ANY ONE EVENT

BENEFITS (Rs)
1. Surgical Expenses
As a result of illness/accident but
Including cæsarean operation
Limit for the period : Rs 75,000		 25,000
 

LIMIT ANY ONE
EVENT/

AND FOR THE PERIOD

BENEFITS (Rs)
2. Medical Expenses
As a result of illness/accident (excluding those in connection with 3 to 5 below)		 25,000
3. Confinement
(excluding cæsarian operation)		 20,000
4. Eye/Dental Treatment 5,000
5. Hearing Aids 6,000
TOTAL ANNUAL PREMIUM
PER INSURED PERSON		 6,100


EXCESS (Corporate/Individual)
1. Six (6) months waiting period in respect of caesarean operation only. (Benefits are payable only if you become pregant after 6 months from the commencement date of your policy)
2. 20% of each and every claim – Minimum Rs 200.
3. Six (6) Months waiting period. (Benefits are payable only if you become pregant after 6 months from the commencement date of your policy)
4. Applicable to doctors’ fees and medication only.
    20 % of each and every claim – Minimum Rs 200.
   NIL in respect of all other claims
5. NIL


Part 2: Catastrophe cover - Corporate/Individual
This option applies exclusively to medical and surgical expenses as described in Part 1, yet the limits of our cover are increased.

ALT LIMIT ANY ONE EVENT AND PERIOD OF INSURANCE ANNUAL PREMIUM PER INSURED PERSON
Medical & Surgical Cover as a result of sickness/accident (including overseas travel, repatriation cost and accommodation expenses for out-patients).

Rs

  1 300,000 IN EXCESS OF Rs25,000 3,500
  2 500,000 IN EXCESS OF Rs25,000 3,900
  3 800,000    IN EXCESS OF Rs25,000 4,550
  4 1,000,000 IN EXCESS OF Rs25,000 5,400
  5 2,000,000 IN EXCESS OF Rs25,000 6,300
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