Personal Accident Insurance

We offer comprehensive income protection solutions to guard against the sudden loss of income.


Although unplanned, accidents are a reality. The sudden loss of income for you and your family due to unfortunate circumstances can have a devastating effect. However, with accident insurance, you have the ability to make sure that your family can cope without your income.

Hollard in Zambia offers Personal Accident Insurance which provides accident coverage in the event of accidental injury or death.

Personal Accident Insurance Pays Out In The Event Of:

  • Death or permanent disability - the policy will provide a lump sum payout to your beneficiaries within 12 months of the accident
  • Temporary disability preventing you from engaging or giving attention to your work – the policy will pay out the agreed amount for 102 weeks

Additional Benefits Of Personal Accident Insurance

  • Funeral Benefit – in the event of accidental death we’ll pay your estate ZMK1,000,000 to contribute to funeral expenses
  • Repatriation Benefit- we’ll pay reasonable and necessary expenses for the repatriation of your body to your residence, in addition to the death sum insured and not exceeding ZMK2,500,000
  • Trauma Benefit – we’ll pay compensation up to 10% of the death sum insured (to a maximum of ZMK2,500,00) should you be victim to a violent act which necessitates professional counseling
  • Disappearance Benefit - If, after a reasonable period of time and having examined all evidence, we have no reason to suppose that anything other than an accident has occurred, your disappearance shall be considered to constitute a claim. If you are later found to be living, any sums we’ve paid in settlement of the claim will have to be refunded to us
  • Double Compensation Benefit – should you and your spouse die as a result of the same accident, we’ll pay double compensation, provided that there is a surviving minor who is entirely dependent on either of you

You have the option between a month-to-month accident insurance policy and an annual policy.

Personal Accident Insurance is underwritten by Hollard Insurance Zambia Limited. Special exclusions and conditions apply.