LiveContent |

 

Commuting Journey, Crime & Injury Policy

 

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.

Benefits payable

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.

5. Death

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.

Call Us Now: 0860 222 132

BECOME AN RMA
CORPORATE BROKER

RMA invites you to join our panel of brokers that will extend our
insurance products to the mining and metals companies in South Africa.

Our product offering is comprehensive enough to help you create
uniquely tailored employee solutions for employers.

For more information,
Contact us at sales@randmutual.co.za

Loading
  • Interested? Need More Information?

  • Fill in the form below and click submit, and a RMA representative will be in contact with you.

Get In Touch

EMAIL US
contactcentre@randmutual.co.za

CALL US
0860 222 132

6 MAR
2020

0
Download
Loading
  • Interested? Need More Information?

  • Fill in the form below and click submit, and a RMA representative will be in contact with you.


Comments are closed.
RMA Corporate Video 2019
Employer Simulation
Simulation For Healthcare Provider
Capture-Accident-Notification
Full-Claim-Add-Event
Full-Claim-Add-Person-and-Add-Person-to-Accident
Full-Claim-Add-Employmen-Injury-and-Earnings
Full-Claim-Member-Submit
Full-Claim-Upload-and-View-Documents
STP_Updates–Overview
Updates - Member Captures Multiple DRG's and ICD10 Codes
Updates - Member Upload Documents & Capture Multiple ICD10 Codes
Updates Multiple Reports & ICD10 Capture Overview
Updates Multiple ICD10 Code Capture on Medical Report
Multiple ICD10 Code Capture on Upload Medical Report
Updated Multiple ICD10 Code Capture on Upload Medical Report
Why I recommend RMA as an Employer of Choice
1
1
1
1
1
1
form
1