Accident & Health

A very experienced team of underwriters in this division are able to customise benefit-programs to clients’ requirements determined either by a fixed sum or multipliers of annual earnings following the covered events below.

Covered Events
  • Accidental Death
  • Accidental Permanent Disability – Continental Scale applies
  • Accidental Temporary Total Disability
  • Accidental Temporary Partial Disability
  • Temporary Total Disability (Illness)
  • Accidental Medical Expenses
The policy includes the following extensions at no additional cost.
  • Exposure
  • Disappearance
  • Repatriation Costs
  • Emergency Transportation/Rescue Costs
  • Life Support
  • Life Support Equipment
  • Hi-jacking, Abduction and Kidnapping
  • Temporary Drivers
  • Trauma Counselling
  • Child Care
  • Family/Domestic Workers Medical Expenses
  • Claims Preparation Costs
  • Mobility Costs
  • Rehabilitation Costs
  • Relocation Costs
  • Seat Belt
  • Crime
  • Active Military Service
  • Daily Hospital Cash Benefit
  • Retraining Expenses
  • Additional Death Benefit
  • Quadriplegia
  • Passive War
  • Flying Risks
  • Alcohol related motor vehicle accidents
  • HIV cover for ARV’s and Lump Sum covers
  • Accident Expert (Assistance with COID and RAF claims)
Limits and aggregate deductibles
  • Limit any one life: up to R20 million
  • Accumulation limit: up to R100 million per event (100km / 72 hours)
  • We also have the facility to write aggregate deductibles (with or without a stop loss), as well as deposit premium policies on a burning cost basis.
Additional benefits

Serious Illness covering:

  • Cancer
  • Coronary Artery Surgery
  • Heart Attack
  • Stroke (resulting in permanent symptoms)
  • Kidney Failure
  • Major Organ Transplant
  • Paraplegia
  • Quadriplegia
  • Multiple Sclerosis (with persisting symptoms)
  • Blindness
  • Heart Valve Surgery
  • Motor Neuron Disease (resulting in permanent symptoms)
  • Alzheimer’s
  • Coma (resulting in permanent neurological complications)
Other benefits of placing your personal accident cover with SHA
  • HIV NeedleStick cover
    • This cover is based either on a lump sum benefit or a % of annual earnings.
  • 24 Hour Cover
    • Cover can be arranged on a 24-hour, 7 days a week basis or can be restricted to working hours only, either including or excluding commuting between place of residence and place of work.
  • Our wording is internationally acceptable and has limited exclusions.
  • Territorial Limits are Worldwide
  • Bereavement

Download a fact sheet

Download an SME proposal form

Download a standard proposal form

If you’re a broker and you’d like to get your clients onto SHA Accident & Health, send an email to a&h_dept@sha.co.za or call us 011 731 3600

Alternatively, search for a team member using the “Find a team member” directory.