Students' Accident Insurance Cover

What is Student Personal Accident Insurance COver?

Student Personal Accident Insurance policy provides complete financial protection to the insured members against uncertainties such as accidental death, accidental bodily injuries, and partial/total disabilities, permanent as well as temporary disabilities resulting from an accident.

Get Quote

Make a Claim

ADVANTAGES

Childs security
No requirement of medical tests and documentation
Substantial coverage at a lower premium
Worldwide coverage
The easy and certified claim process
24x7 support service
Legal and funeral expenses are covered
Double indemnity for demise/ impairment while traveling in public transport for any school activity.

What’s covered

This cover provides a pay-out benefit where the insured gets injured, disabled, or dies as a result of an accident

Accidental Death Cover

An accident can be both emotionally and financially devastating for the insured’s family members. In case of fatal injuries, the entire sum assured is paid to the nominee as mentioned in the Benefits Schedule.

Permanent/Total Disability Cover

In case an accident results in permanent disabilities or lifelong total impairment such as loss of both the limbs, then a specified sum insured amount is paid to the insured.

Permanent Partial Disability Cover

If bodily injuries, resulting in permanent partial disabilities, then a certain percentage (up to 100%) of the benefit is paid to the insured as per the compensation scale.

Temporary Total Disability

In case the insured meets with temporary total disabilities and is bedridden, then the insurer will provide a lump sum pay out as per the benefit schedule.

Scope of Cover – 24 hour cover, Anywhere in Uganda & Worldwide

We shall pay to the insured Person or their nominee/Parent /Guardian, the stated benefits herein subject to the policy terms and conditions, If at any time during the Policy period, the Insured Person(s) stated in the declared Schedule shall sustain any bodily injury resulting solely and directly from accident caused by external violent and visible means, anywhere in the world.

Exclusions

Natural death
Pre-existing disability or injury
Childbirth or pregnancy
Suicide or self-injuries
Non-allopathic treatments
Influence of intoxicants
Committing a criminal act or being involved in war activities, suffering from a mental disorder
Participating in the naval, military, air force, adventurous or sports activities
Childbirth or pregnancy

What’s optional

Political Violence and Terrorism: Cover against political violence and terrorism

BENEFITS SCHEDULE OF INSURED BENEFITS

Benefit	Insured Event	Package(1)	Package(2)	Package(3)	Package(4)	Package(5)
Accidental Death Cover	An accident can be both emotionally and financially devastating for the dependent family members. In case of fatal injuries, the entire sum assured is paid to the nominee as mentioned in the policy document	50,000,000	100,000,000	150,000,000	200,000,000	250,000,000
Permanent/Total Disability Cover	In case an accident results in permanent disabilities or lifelong total impairment such as loss of both the limbs, then a specified sum insured amount is paid to the policyholder.	2,500,000	5,000,000	10,000,000	20,000,000	25,000,000
Permanent Partial Disability Cover	If bodily injuries, resulting in permanent partial disabilities, then a certain percentage (up to 100%) of the benefit is paid to the insured.	1,000,000	2,000,000	3,000,000	4,000,000	5,000,000
Temporary Total Disability max of 200 days	In case the insured meets with temporary total disabilities and is bedridden, then the insurer will provide a weekly allowance to recompense the loss of income. The insured can also utilize this claim amount to pay the EMIs, in case there is a loss of earnings.	10,000 per day	15,000 per day	20,000 per day	25,000 per day	30 ,000 per day
Artificial Appliance		up to a limit of 10,000,000
Medical Expenses Reimbursement	If any Insured Person suffers an Accident during the Policy Period that requires Outpatient Treatment or that Insured Person’s Hospitalization as an inpatient, then we will reimburse the Medical Expenses incurred for such Insured Person provided that the Hospitalization commences within the Policy Period. Our liability to meet Medical Expenses caused by such Accident will be limited to the limit stated in the benefit schedule	5,000,000	10,000,000	15,000,000	20,000,000	25,000,000
Ambulance fee	[Transport & Incidental costs Following an accident.] This add-on covers the reasonable ambulance charges incurred for transporting the Insured to the nearest hospital in the event of a life threatening emergency conditions. Provided that, such life threatening emergency condition must be prescribed by medical practitioner.	5,000,000	10,000,000	15,000,000	20,000,000	25,000,000
8 Funeral Expenses / Last Expense	If the insured dies as result of an accident, 15 % of the death benefit is paid	1,500,000	3,000,000	4,500,000	6,000,000	7,500,000
Repatriation of Mortal Remains	This add-on covers the expenses incurred for the repatriation of mortal remains of the Insured from his place of death to his place of residence	5,000,000	10,000,000	15,000,000	20,000,000	25,000,000
Extension for Blood Purchase Cover	If We have accepted a claim under Benefits Accidental Death, Permanent Total Disablement, Permanent Partial Disablement and Temporary Total Disablement, We will in addition reimburse the amount up to the maximum as given in the Schedule under this benefit incurred in purchasing blood through a Hospital for the purpose of the Insured Person’s medical or surgical treatment when hospitalized, provided that such treatment is necessitated by the Accident.	1,000,000	2,000,000	3,000,000	4,000,000	5,000,000
Extension for Wheelchair / Crutches	If We have accepted a claim under benefit Permanent Total Disablement, We will in addition reimburse the amount up to the maximum as given in the Schedule under this benefit incurred in purchasing a wheelchair or crutches for the Insured Person, provided that they are necessitated by the Insured Person’s disablement or are needed for the medical treatment of the Insured Person following the Accident	1,000,000	2,000,000	3,000,000	4,000,000	5,000,000
Prosthesis & Artificial Limbs	This add on will cover the cost borne by the Insured in the purchase of artificial limbs/prosthesis (artificial devices)in case of Permanent Total Disablement on account of Accident	1,000,000	2,000,000	3,000,000	4,000,000	5,000,000
	ANNUAL COVER - PREMIUM - UGX	200,000	400,000	550,000	750,000	900,000
	ONE OFF TRIP COVER - PREMIUM - UGX	70,000	100,000	150,000	175,000	215,000

Other types of insurance cover

Home Insurance

Home Insurance (Domestic Package) from Goldstar is comprehensive cover to protect your residential premises against various risks. Your home, as well as everything inside of it…

Motor Cycle Insurance

We offer a range of options on Comprehensive Private Motor Cycle insurance so you can customize it to your individual needs.

Car insurance

Car insurance protects your vehicle from unforeseen risks and provides protection against the losses incurred.

FAQ’s

How do I cover items that I take away from the home?

You will need contents insurance, sometimes known as all risk cover, for items for which you require cover out with the home. Please provide details of these items at the time of quotation to ensure that the policy provided meets with your requirements.

What is accidental damage cover?

Accidental Damage cover provides protection against costs incurred through damage that you, your family members or visitors may cause to the structure of your Building or to your Contents. Examples of incidents which would be covered under this extension include putting your foot through the loft floor damaging the ceiling below, leaving a tap running leading to water damage or carpet spillages. Such incidents would not be included under a policy taken out to cover Standard Perils only.

Additional charges will apply and in certain circumstances this cover might not be available.

Are items in my garage or shed covered?

Items kept in the garage or garden sheds will be covered under the Contents section of your policy provided you have included their value in the total sum insured declared. Limits may apply to the amount that can be claimed for theft of items taken from outbuildings and additional charges may be made for certain items such as ride on mowers. Cover for motor vehicles and motorcycles is excluded. Please declare your requirements for cover kept in outbuildings at the time of quotation to ensure that the policy provided meets with your requirements.

I live in rental accommodation. Do I still need insurance?

In most cases you will need to arrange cover for your own contents and personal possessions. Please refer to your tenancy agreement to check what, if any cover is provided by your landlord.

What is an excess?

An excess is the amount a policyholder is required to pay towards the cost of any claim. You may be asked to pay this amount to a company that has carried out repairs on behalf of your insurer, or alternatively the sum will be deducted from any settlement received.

Tips:

Goldstar claim process

No matter what your worry is, we’re here to help explain the process, assess your claim fairly and minimize the disruption to you with a transparent claims process.

marketing@goldstarinsurance.com

+256 41 4250110

Our Company

Policy Service

Other Infomation

Motor

Home

Other

Liability

Property

Engineering

Finance

Marine

MISCELLANEOUS

Motor

General Accident

Contact Us

Plot 38 Kampala Road, Crane Chambers, Kampala