# Personal Accident

**Benefits:**\
The benefits includes compensation for:

* Death Benefit: This is a lump sum benefit of N250,000.00, payable to the family of the deceased in consideration of the loss of their loved one due to accident.
* Medical expenses: This is payable for medical treatment received from a registered hospital. The expenses must have been incurred within 30 days following the date of the accident and to exceed the aggregate of N50,000
* Disability: This is in respect of an accident resulting in disability of the insured. Benefits payable in any circumstance will be subject to the scale below.

**The scale of Compensation for Disability:**

* Loss of either one eye: N100,000.00
* Loss of both eyes: N250,000.00
* Loss of one hand: N100,000.00
* Loss of both hands: N250,000.00
* Loss of one leg: N100,000.00
* Loss of both legs: N250,000.00
* Loss of one hand & one leg: N250,000.00
* Loss of one hand & one eye: N250,000.00
* Loss of one leg & one eye: N250,000.00

**Premium:**\
The policy is structured on a flat premium basis of N1,500.00 for a single unit.\
(Multiple premiums secure equivalent multiple benefits).\
\
**Exceptions:**

Being an accident only policy, AIICO Shield Personal Accident does not cover:

* Suicide
* An insured who is under the influence of alcohol, drugs, or insanity
* An insured who suffers from any physical defect prior to the accident
* Childbirth or pregnancy
* Loss caused by acts of declared or undeclared war, riot, civil commotion, hostilities, mutiny etc.
* Injuries received during any Armed forces maneuvers or training exercises.
* Sickness from natural causes.