Comprehensive COID Insurance Cover For Employees

An occupational accident arising out of and during an Employee’s employment and resulting in injuries, sickness or even death. This means that as an employee you can seek compensation if you are involved in an accident while ding your job, or if you die from a work-related injury, your beneficiaries will get compensation.

Occupational diseases are illnesses caused by chemicals or agents you are exposed to in the work environment as an employee. A disease may take some time to become observable. If you develop an occupational illness because of exposure to these agents at your place of employment, you can seek compensation.

All work-related injuries on duty, no matter how minor, need to be reported to your employer who must report these to RMA, including: 

• Minor lacerations 
• Contusions 
• Abrasions

1. Report an accident or disease claim. 
2. Receive a claim number immediately. 
3. Download a letter with the claim number. 
4. Upload all your supporting documents.

All reasonable medical expenses related to injury or illness payable for up to two years. If it is a work-related injury, no co-payment is required.

Temporary Total Disablement (TTD), also known as temporary income replacement benefit or days off benefit, is a pay-out for at least three days off work while sick or while recovering from a work-related injury. We will pay you a percentage of your salary throughout your days off following an injury.

There are two ways in which we handle permanent disability benefits:

If we measure the disability at between 1% and 30%, we would pay a lump sum.

When your disability is calculated to be over 30%, you will receive a monthly pension that is part of your salary at the time of the injury.

When you die because of your injuries, the following benefits are payable to your beneficiaries: 

• A one-time lump-sum payout to your spouse; 
• Your spouse's monthly pension; 
• Monthly allowance for your children: payable up to the age of 18 years unless the child is physically or mentally disabled and unable to earn an income or is studying, in which case you must apply for an extension; and once-off funeral cover.