Personal Accident - Canopy Insurance Ltd.

Personal Accident

Group Personal Accident is an annual renewable policy which provides worldwide and 24- Hr coverage in the event of death or bodily injury resulting from an accident.


The Benefits under the plan include:

Accidental Death and Dismemberment[AD&D]

  • Designed to cover deaths or permanent total disablement arising from accidents
  • Coverage is extended to include loss of or loss of use of limbs occasioned by accidental injury
  • Coverage bases may be flat amounts or multiples of salary, or a combination of both

Temporary Total Disability[TTD]

  • Designed to replace partial loss of income resulting from extended absence from work caused by accidental injury
  • Replacement percentages vary from 50% to 80% of salary, once contractual requirements have been met
  • Coverage is limited to a period of two (2) years for a single disability

Accidental Medical Reimbursement[AMR]

  • Designed to reimburse a covered member who incurs medical expenses as a result of an accidental injury
  • Covered expenses include ambulance service, hospitalization, diagnostic services and medical miscellaneous expenses, up to the maximum stated in the schedule of benefits
  • The benefit is computed on a per disability basis

Even though all three benefits are accessible under the plan, Accidental Death and Dismemberment is a mandatory benefit when selecting a plan.





  • Salary Based
  • Flat Amount

Canopy’s Personal Accident Insurance is available to all full-time employees, 18 years and older. Coverage terminates on attainment of 70th birthday

Canopy’s Personal Accident Plans are available to all full-time employees who join their companies prior to the age of 69.


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