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PRIVATE CLIENT SERVICES

Personal Sickness & Accident

If you fell ill or were injured and unable to work, how would you support yourself, your family or your lifestyle?  Most people protect themselves against such exposures, by taking out a personal sickness & accident policy.  However, for those who work in high risk industries, it can be particularly difficult to arrange this type of cover.

Marsh can offer specialised personal sickness & accident protection for anyone who works in high hazard occupations and industries.

Who do Marsh insure?

As part of this specialised insurance facility, Marsh can arrange cover for:

  • Pilots, divers, riggers, fishermen, ship’s crew
  • Emergency Services Personnel
  • Miners – including underground
  • Oil and gas rig workers
  • Overseas workers
  • Visitors to hazardous countries including war & terrorism cover if required
  • Contractors, self-employed, tradesmen
  • High income earners
  • Actors and stunt men
  • Professional sports people
  • Insurance required by site agreements and collective agreements

What is covered?

  • Death from an accident
  • Permanent total disablement caused by an illness or accident
  • Temporary total disablement caused by an illness or accident

Types of insurance we offer:

  • Group or Single insurance
  • Voluntary workers
  • War & terrorism covers including expatriates
  • Non-scheduled flights & racing risks
  • South East Asia and Australian based risks
  • Excess of loss
  • Excess insurance on weekly benefits for disability contracts
  • Reinsurance for other Underwriters
  • Hazardous pursuits
  • Blood borne diseases

Benefits to you:

  • Flexible approach to unusual covers
  • Prompt response
  • Broad definition of income
  • Financially secure insurers
  • Illness lump sum available
  • New wording with market benefits

What additional coverage benefits are available?

  • Disappearance
  • Exposure
  • Hijack
  • Rehabilitation expenses
  • Escalation (of weekly benefit after 12 months)
  • Modifications (required to be made to home or vehicle after permanent or total disablement)
  • Rehabilitation expenses
  • Accidental HIV
  • Spouse and dependent child