Frequently Asked Questions about Personal Accident Insurance

The following are the most frequently asked questions. If you have more, we would welcome your question(s) please e-mail us at info@gandirect.com

Why should I buy a Personal Accident Policy?
Our Personal Accident Insurance is designed to give you maximum peace of mind at a time when you need it most.

It is not a subject that many of us like to discuss, but imagine how difficult life would become if you had a serious accident. In the unfortunate event that an accident results in serious injury or death, our Personal Accident insurance
will help alleviate the pain and distress for you and your family .

If I have Medical Insurance, do I also need to buy a Personal Accident Policy?
Yes. Medical Insurance is generally designed to cover the costs of medical treatment for what are commonly known as acute conditions. Most insurers define an acute condition as a disease, illness or injury that is likely to respond quickly to treatment which aims to return you to the state of health you were in immediately before suffering the disease, illness or injury, or which leads to your full recovery.

If I stay away from work, will you cover me?
No. The Personal Accident Policy is specifically designed to provide cover for bodily injuries or even death due to an accident. Specified sums are paid for Death, Continuous Total Disablement, Continuous Partial Disablement, Expenses for the Treatment of Bodily Injury due to Accident and Duplication.