Employed Professional Guides Insurance
As a full-time employed Guide, we offer insurance cover tailored specifically to your needs. Our Employed insurance product offers protection to guides who work in full-time employment.
Whether you are a guide at a tour operator, safari guide or a culture guide, we understand the risks and challenges you face in your line of work. Our insurance product provides peace of mind by covering you against unforeseen events that may occur while on the job that your employer may not provide cover for.
|
Personal Liability
|
|
|---|---|
|
Personal Liability
|
R 5 000 000
|
|
Excess structures
|
R5 000 (flat per claim)
|
|
Personal Accident Protection
|
|
|---|---|
|
Personal Accident Protection
|
R250 000
|
|
Excess
|
nil
|
|
Accidental Death Cover
|
|
|---|---|
|
Capital payment
|
R250 000
|
|
Death following organised anti-poaching activity
|
further R150 000
|
|
Death result of accidental bodily injury
|
further R15 000
|
|
Repatriation of mortal remains
|
R50 000
|
|
Bereavement benefit
|
R18 000
|
|
Excess structures
|
Nil
|
|
Permanent Disability
|
|
|---|---|
|
Capital payment as per permanent disability schedule
|
Up to R250 000
|
|
Medical evacuation
|
R250 000
|
|
Hospitalisation
|
R70 000 (R5 000 per day for 14 days)
|
|
Life support equipment (hire costs)
|
R100 000
|
|
Mobility
|
R150 000
|
|
Quadriplegia
|
further R75 000
|
|
Rehabilitation
|
R100 000
|
|
Income protection (max per week for max 1 year)
|
R5 000
|
|
Excess structures: Income protection
|
30 days
|
|
Hospitalisation
|
48 hours
|
|
Medi-Evac
|
Nil
|
|
Temporary, Total or Partial Disability
|
|
|---|---|
|
Medical evacuation
|
R250 000
|
|
Hospitalisation
|
R70 000 (R5 000 per day for 14 days)
|
|
Life support equipment (hire costs)
|
R100 000
|
|
Income protection (max per week for max 1 year)
|
R5 000
|
|
Excess structures: Income protection
|
14 days
|
|
Hospitalisation
|
48 hours
|
|
Medi-Evac
|
Nil
|
|
Serious Illness
|
|
|---|---|
|
Medical evacuation
|
R70 000
|
|
Hospitalisation
|
R50 000 (R5 000 per day for 10 days)
|
|
Covered conditions: heart attack, stroke, cancer, coronary artery surgery, blindness, motor neuron disease, alzheimer’s, kidney failure, major organ transplant, paraplegia, multiple sclerosis, heart valve surgery, coma, parkinson’s disease |
|
|
Excess structures: Income protection
|
30 days survival
|
|
Med-Evac
|
48 hours
|
|
Hospitalisation
|
Nil
|
|
Guest Cover
|
||
|---|---|---|
|
Benefits
|
Cover
|
|
|
Evacuation and Medical Expenses
|
R75 000
|
|
|
Kidnapping, Hi-jacking, Rape
|
R75 000
|
|
|
Alternative Accommodation/Catering/Travel costs
|
R30 000
|
|
|
Communication Costs
|
R5 000
|
|
|
Incident Management Cost
|
R100 000
|
|
