Self-service portal
Accidental death and disability
Protection that goes where you go - accidental death and disability cover for life's unforeseen moments.
Get insured in
5 mins
Travel insurance for accidental death and accidental disability
Traveling comes with its share of risks, but with TIC's accidental death and accidental disability cover, you can ensure your family is supported if the unthinkable happens. Whether you're on a business trip or holiday, this policy provides compensation for accidental death or long-term disability, giving you peace of mind during your travels. Our cover offers critical protection, ensuring that you and your loved ones are taken care of in the face of unexpected life-changing events.
- Accidents in foreign countries can have serious consequences. Travel insurance ensures you're prepared for the unexpected, offering protection even when you are far from home.
- Accidents that lead to death or disability can place a huge financial strain on your loved ones. This benefit ensures they aren't left with huge expenses during this difficult time.
- TIC offers 24/7 emergency assistance, providing guidance on where to seek care and how to manage local medical protocols.
- Cover to return a traveller's mortal remains home in the event of death, due to a medical emergency.
Summary of important conditions related to emergency medical and related expenses
If you suffer an accidental bodily injury hat results in your death or permanent total disablement , we will provide the specified compensation to you, your estate, or your nominated beneficiary in accordance with the Schedule of Benefits.
What's not covered
We will not pay claims arising from:
- Travel in any single engine aircraft;
- Travel in any helicopter unless when utilised as a connecting flight by a scheduled airline; and
- Suicide or self-harm.
*Note: a formal quote will provide comprehensive details on benefits, limits, cover terms, conditions, and exclusions.
Liability limits
Benefit | Percentage of limit of liability |
Total, permanent loss of or loss of use of one or both hands or feet | 100% |
Total, permanent loss of or loss of use of one or both arms or legs | 100% |
Total, permanent and irrecoverable loss of hearing in one ear | 50% |
Total, permanent and irrecoverable loss of hearing in both ears | 100% |
Total, permanent and irrecoverable loss of sight in one eye | 60% |
Total, permanent and irrecoverable loss of sight in both eyes | 100% |
Total and permanent loss of speech | 100% |
Permanent quadriplegia, paraplegia or incurable paralysis of arms or legs | 100% |
Death | 100% |
Don't just take our word for it, here's what our customers have to say
Discover how our travel insurance has made a difference to others - hear directly from our happy customers.
Location: Guangzou, China
Paid amount: R4.5 Million
Mrs S
Location: Lusaka, Zambia
Paid amount: R235 000
Mr B
Trusted by 2 million + travellers
Member of ASATA
Accepted by all VISA authorities, including SCHENGEN
Secured by Entrust
Our articles
- 17 FEB 2025
6 mins read
Facing the unexpected: why medical emergency cover is a must for travellers
- 19 FEB 2025
- 6 mins read
Medical emergencies abroad: how travel insurance keeps you protected
- 18 FEB 2025
- 6 mins read
What to do in a medical emergency while travelling: your guide to peace of mind
- 03 FEB 2025
- 6 mins read
Your guide to stress-free travel: the benefits of reliable travel insurance
- 31 JAN 2025
- 6 mins read
Air travel with children: tips for flying with toddlers and young kids
Help and FAQ's
If you have any questions or queries, please visit our Contact us page
If you are experiencing an emergency, click here
Direct
Tel: 0860 100 484 (RSA) or +27 (0)11 521 4000
E-mail: helpdesk@tic.co.za
Claims and emergency
Tel: +27 (0)11 521 4000
Policy-related FAQs for accidental death and disability
Does TIC cover accidental death during travel?
Yes, TIC provides coverage for accidental death during travel, offering financial compensation to your beneficiaries in case of a fatal accident.
Is permanent disability due to an accident covered by TIC?
Yes, TIC covers permanent disability resulting from an accident by providing financial compensation
Are there any exclusions for accidental death or disability coverage?
Yes, exclusions typically include self-inflicted injuries, involvement in illegal activities, and accidents related to high-risk activities.
Is repatriation of mortal remains covered in case of accidental death?
Yes, TIC provides coverage for the repatriation of mortal remains, covering transportation and the necessary arrangements to return the deceased to their home country.
Service-related FAQs for Accidental Death and Disability
How do I file a claim for accidental death or disability with TIC?
You can file a claim through TIC's client portal or contact the claims department. Ensure you provide all necessary documents such as medical reports and death certificates.
What documentation is required to claim for accidental death?
You'll need to submit a death certificate, travel documents, and any other relevant paperwork as specified by TIC's claims department.
How long does it take for TIC to process an accidental death or disability claim?
TIC aims to process claims as quickly as possible. The exact time may vary depending on the complexity of the claim, but submitting complete documentation helps expedite the process.
Does TIC offer 24/7 assistance for accidental death or disability emergencies?
Yes, TIC provides 24/7 global emergency assistance, which includes support for handling accidental death or disability situations, such as arranging transportation or notifying authorities.
Can TIC assist with repatriation arrangements for mortal remains?
Yes, TIC's emergency assistance team can help coordinate the repatriation of mortal remains, handling logistics and transportation to return the deceased to their home country.
Buy travel Insurance in 5 min
Get quote