Personal Accident insurance is a class of business that offers multiple coverage options for an individual or group so as to protect future loss of earnings or non-Medicare medical expenses. It is an effective asset management tool that can help to minimise potential long term loss of income for individuals, clubs and sponsors.

SLE as a specialist underwriter has developed products designed to cover an accident or an illness that occurs whilst people are participating in sport or working in their career field. This unique category of business requires an in-depth knowledge of the potential hazards faced by the individuals engaged in high profile sports and occupations.

Due to SLE‘s years of experience we have bespoke policy wordings and conditions that specifically address the exposures faced by individuals or groups participating in activities ranging from motor sport or skiing to swimming, cycling and football.

SLE offers a range of Group Personal Accident Programmes for State and National Amateur Sporting Associations.

Coverages available include:

Accidental Death

Accidental Death provides a lump-sum payment in the event of accidental death. Coverage can be provided to individuals, teams or leagues whilst competing, training or travelling to a covered activity.

Permanent Total Disability

Permanent Total Disability is designed to indemnify the beneficiary in the event of total and irrecoverable disability. This is usually determined after a twelve month waiting period.

Temporary Total Disability

Temporary Total Disability is designed to provide a temporary payment to the beneficiary during the period that the insured is unable to perform the duties of their usual occupation.

Non-Medicare Medical Expenses

This cover is designed to indemnify participants for expenses incurred due to injuries sustained whilst playing or practising in an insured event or activity. The benefit covers expenses incurred where no Medicare benefit is payable. The cover is only applicable for treatment and costs that are incurred within twelve months from the date of the accident.

Other coverages that SLE offer are:

• Funeral Benefit
• Home Help Benefit
• Student Tutorial Benefit
• Professional Sports/ Contract Covers