Personal Accident Insurance Policy - Assurance and Compliance



Personal Accident Insurance Policy

Introduction

Welcome to the Personal Accident insurance page of our site. This gives you a brief outline about what this policy covers and why we have it.

Who is insured and what are they insured for?

 

Insured person/s

Scope of cover

Limit of Liability

Deductible

Professors, Associate Professors, Senior Lecturers & Permanent full and part-time lecturers and senior administrators & professional staff of USP.

This includes Council and official University Committee members.  Visiting lecturers, external advisors and visitors are also covered.

24 hours per day while on University approved business.

100,000 FJD

No deductible

All USP registered students

24 hours per day while on university approved and organised:

  1. Field trips, excursions and voluntary community projects and schemes.
  2. Placements, work experience, internships and attachments.

 

50,000 FJD

No deductible

 

What does the policy cover?

This policy covers serious injuries, disability or death at work. It applies anywhere in the world while on USP approved business. We would however, strongly emphasise the following two things.

Preventing accidents and likely claims

The best approach is always to be proactive and preventative. Preparing or for events such as fieldtrips in advance is a good way to do this. One way is to complete a risk assessment which will assist you identify risks/concerns to prepare for.  You can either develop plans to mitigate the risk or take the decision not to continue with the activity due to the high risk.

We also advise that you discuss planned events with our OHS colleagues.

How does the policy cover work?

This is a highly complex insurance policy. It has many different levels of payment. These depend on the event being claimed for. Examples are given below.

Condition

Compensation

% of limit of liability

Permanent Total Loss of use of one limb

100%

Permanent Total Loss of sight of one eye

100%

Permanent Total Loss of use of four fingers and thumb of either hand

80%

Permanent Total Loss of use of fingers of either hand
a) Three Joints:
b) Two Joints
c) One Joint

a) 15%
b) 10%
c)  5%

Permanent Total Loss of use of four fingers of either hand

50%

Permanent Total Loss of use of one thumb of either hand
a) Both joints
b) One Joint


a)  30%
b)  15%

 

What are the restrictions on the policy?

The following are important details about policy limits.

Reporting incidents

All incidents must be reported to the Risk and Insurance Unit. Our insurers need to be advised of any potential claim as soon as possible. Delays in advising insurers can lead to claims being denied.

 Updated: 16-November-2016

 

 

 






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