This insurance would cover your employees against accidents they may sustain in the course of their duties and extends to cover them on a 24 hour basis for as long as they remain your employees.  The policy covers such accidents occasioned by sudden, violent, accidental and visible means, e.g. motor accidents, falling and breaking of one's limbs, being attacked and violated upon and the like.

The policy offers the following benefits:


  • Death or Total Permanent disability up to a limit usually in relation to ones annual earnings or a multiple thereof.
  • Temporary Total Disablement: The equivalent of ones actual weekly earnings payable for every week one may be disabled (being unable to attend to ones normal duties as a result of an accident as described above).
  • Temporary Partial Disability: The equivalent of 1/3 (one third) of ones weekly earnings for every week one may be partially disabled (attending to only part of ones normal duties).
  • Medical Aid: This is reimbursement of expenses incurred on treatment after an accident up to a limit per person per accident as may be agreed.


A personal accident insurance covers injuries or death that has been caused due to an accident. It provides compensation in the event of injuries, disabilities or death caused solely by  violent, accidental, external and visible events. This is one of the most affordable and limited form of life & health insurance policy that is mostly availed by people who are travelling frequently by road, water or airways.


It covers the following:


  • Accidental temporary disability
  • Accidental permanent disability
  • Accidental death
  • Medical reimbursement for health complications that has risen from the accident


Accidents and sudden illness whilst out on a trip abroad plus loss of baggage and delayed flight connections could lead one to incur extra costs for transport and accommodation not to mention the need for emergency evacuation for medical reasons.

All these expenses can be taken care of by our SWICO Travel   Insurance. We have packages for travel to Europe including:

  • Schengen countries
  • Americas
  • Asia
  • Rest of Africa