The Commuting Journey, Crime & Injury Policy enhances employee protection by providing insurance cover of up to R7.5 million if an employee dies or becomes disabled as a result of an accident which occurred while:
- Journeying between home and work on a reasonable, direct route
- Travelling to and from company sanctioned events such as Sports, Memorial Services and Funerals
- The cover is for all modes of transport including own and rented.
Plus, the policy protects the employee against Crime & Injury that occurs while the employee is journeying between home and work or journeying between work & home and any other work authorised destination including attending a Funeral or Memorial Service of a colleague.
1. Full Medical Expenses
The benefit will pay-out for medical expenses that exceed R1000. The claimant must pay the first R1000 of the medical expenses, thereafter, we will pay the balance payment to the employer for the duration of the disablement subject to the maximum cover amount.
2. Temporary Total Disablement
Temporary income replacement benefit or days off benefit for days off work while the employee is injured, or while recovering from a work-related injury. The employee is paid 75% of their salary during their days off due to injury.
3.Temporary Partial Disablement
Temporary income replacement while the employee is disabled and unable to earn an income. The employee is paid 75% of their salary during their disablement.
4. Permanent Disablement
There are two ways in which the employee is compensated for permanent disablement: • Lump-sum payment – for disablement assessed between 1 – 30% • Monthly pension – for disablement assessed to be greater than 30%. Monthly pension paid out is a portion of the employee’s earnings at the time of the accident.
If the employee dies as a result of an accident or crime, these benefits will be paid out to their beneficiaries:
- Monthly pension to the spouse;
- Monthly pension to the children: payable until the age of 18 years unless the child is studying in which case an extension must be applied for; and
- Once-off funeral benefit.
If the injury or death is a result of a motor vehicle accident where a third party is directly liable for damages, we will recover both the general and specific damages from the Road Accident Fund on behalf of your employee.