Mine Clearance & EOD
Hepburns Insurance have amassed a wealth of experience in the personal accident and medical expenses market and we have in turn become specialised in covering personnel/groups around the world for this type of insurance in all kinds of situations and for all kinds of organisations, from NGOs to large commercial companies.
We are able to accommodate most types of work, including but not limited to:
- Mine Clearance
- EOD
- UXO
- UXB
- Survey work
- Security work involving the protection of personnel and/or property
- Training programs
- Mine awareness training
Medical Expenses
This section would cover any medical expenses as a result of injury or illness up to a specified sum insured, usually US$1,000,000.
Normally medical expenses inside the individual’s country of domicile is excluded as Underwriters expect the insured person to have their own medical expenses insurance in place in their own country. This has been a problem for some clients as more often than not, indigenous personnel are contracted to undertake EOD either as trainees or experienced operators. On a practical level, most third world countries where cover for indigenous personnel is required, it is highly unlikely that they would have access to national health schemes, let alone be able to afford it. We have therefore arranged a special extension to cover indigenous personnel for medical expenses inside their own country of domicile for accidental medical expenses only, usually up to US$50,000.
This situation can also arise for ex-patriots. An example would be a South African National working in Angola. The nearest place where treatment can safely be received is more than likely to be South Africa. We have therefore arranged an extension to the policy to cover ex-patriots inside their country of domicile for accidental medical expenses only up to a maximum of 90 days from the date of the injury or from the date they returned home, whichever is sooner.
One other extension that has been arranged is personnel replacement cover. Replacing personnel through injury or illness can be expensive including costs ranging from having to arrange flights on short notice to arranging visas and the usual mountains of paperwork. This extension will cover additional costs involving the replacement of personnel, including return fares to work once recovered, up to US$5,000.
The policy would also provide the following extensions:
- 24 hour medical emergency service and medivac to the nearest place where necessary treatment can be safely received,
- Repatriation back to the individual’s country of domicile.
Personal Accident
The cover provided would automatically include Death and Capital Benefits (which includes death, loss of limb(s), loss of eye(s), permanent total disablement) that would pay a lump sum as a result of accidental injury. This lump sum would be agreed prior to the inception of the insurance.
If required, cover would also include temporary total disablement and pay a weekly benefit of up to 75% of the individual’s weekly salary. Again, this sum would be agreed, prior to the inception of the insurance.
The policy would also provide the following extensions:
- The Continental Scale of benefits would apply to the capital benefits,
- The weekly benefit would be payable for a maximum of 104 weeks, but subject to a 14 day deferment period,
- The temporary total disablement section would pay the benefit if the individual was unable to work from his/her usual occupation. This is important as some insurers only cover this section from any occupation.
Group/individual Term Life
As mentioned above, the personal accident cover will pay the benefit as a result of accidental injury only. Should cover be required for death from any cause (subject to the insurer’s standard conditions), then you may wish to consider life insurance. Cover can be arranged based on multiples of annual salary or wages.
General
Ensuring that employees and essential personnel are provided with the best cover available is essential and we therefore feel we have put together an exceptional policy for complete peace of mind.
Because of the very specialised type of work undertaken, all policies would be tailored and packaged to suit individual needs.
Policies can be set up on a monthly declaration, annual or one-off contract basis.
For more information, assistance or a quotation, please either contact us, complete an enquiry form or use the online phone me request.