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Daberistic
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      • Medical aid.
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      • Car and household insurance.
      • Business insurance.
    • Appoint Daberistic as broker
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      • Millionaire Investment Challenge - Allan Gray
    • Update my policy >
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        • Allan Gray Debit Order
      • Life insurance
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    • Education plan
    • Endowment
    • Participation Bond
    • Deposits
    • Business investment accounts
    • Private investment accounts
    • Exchange Traded Funds
    • Share investing
    • Personalised share portfolio
    • Retirement income
  • Retirement Funds
    • Starting a Fund - What to Consider
    • Retirement Funds - Your Rights
    • What is Regulation 28?
  • Life
    • Life insurance >
      • Life insurance special offer
    • Accidental cover
    • Income protection
    • Lump sum disability
    • Business Assurance
    • Severe Illness
  • Health
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    • Discovery Health >
      • How to Select a Discovery Medical Plan
      • Update 2020
      • Discovery Health Products
      • International Travel Benefit
    • Momentum Health >
      • Momentum Health Products
      • Update 2017
    • Bonitas >
      • Update 2018
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      • Business Insurance Application
      • Contractors All Risk (once Off) Application
      • Goods in Transit Insurance
      • Professionals take cover
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      • Budgeting and cashflow management
      • Consumer Protection Act
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    • Investment planning >
      • What are unit trusts?
      • Active and passive investing
      • Chasing fund performance may be hazardous to your wealth
      • Understanding risk on and risk off
    • Family trusts
    • Wills and estate planning >
      • Make a will
      • Administering an estate / Duties of an Executor
      • What the executor must do once appointed
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      • Heritage Day 2015
      • Mandela Day 2016
    • Company Documents >
      • Privacy Policy
      • RMCP
      • Disclosure Letters
      • Proatia Manual
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      • Fedgroup飞达参与分红债券
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      • 寿险/意外险报价资料表
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        • 基金
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      • 汽车保险报价
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        • 新生儿加保申请表格
        • 家属退保申请表格
        • 国际旅游医疗福利
        • Discovery医保怀孕生产幼儿福利
        • 下载Discovery医疗保险证明
        • 下载Discovery医保税务证明
        • Sirago附加险索赔提交
      • 投资账户管理
      • 产物保险管理
      • 客服满意度问卷
    • 申请索赔 >
      • 申请车险索赔
    • 住院
    • 常用专科医生名称中英文对照
    • 出车祸处理
    • 设立遗嘱 >
      • 遗嘱的生效和不生效
      • 遗嘱的处分
      • 遺囑執行人被任命後
    • 聘德博为经纪人
    • 非居民在南非开银行账户
    • 投资移民
    • 唐人街商铺联系方式
  • 财富管理
    • 如何选择投资产品
    • 企业投资账户
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    • 孩子教育基金
    • 为年老时存钱 >
      • 退休需要認真金錢
    • 闲钱投资
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      • Investors Trust外幣投資
    • 免税投资帐户 >
      • 免税投资账户问答集(Q&A)
    • 月领退休金
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    • 稳赢固定利率保单
  • 员工福利
    • 公司团体医疗保险Q&A
    • 员工福利Q&A
    • 公积金Provident Fund说明
    • 中小企业员工福利完整套餐
  • ​人寿保险
    • 为什么要购买人寿保险
    • 人寿保险的妙用
    • 人寿保险常见问题回答
    • 购买人寿保险流程
    • 美元人寿保险
    • 意外险
    • 特殊寿险产品
    • 重大疾病险 >
      • 身体健康检查重要指标
      • 全球癌症病例激增
      • 细数癌症之最
    • Sanlam意外险
    • Old Mutual绿光关怀计划.
  • 医疗保险
    • 南非的医疗保险介紹
    • 医疗保险Q&A 常见问题回答
    • 如何选择医疗保险
    • Discovery医疗保险 2021选项摘要 >
      • Discovery医疗保险 2021 - 如何选择医保选项
    • Discovery Vitality活力健康计划 2021 >
      • 激活你的健活奖励
    • Bonitas医疗保险2021介绍
    • Bonitas医疗保险2019介绍
    • Momentum医疗保险 2021介绍
    • 医疗附加险 >
      • 医疗附加险索赔申请表
      • 医疗附加险法规改变
  • 紧急意外险
  • 财产险
    • 雇主责任保险
    • 建筑工程一切险
    • 商业火险
    • 车险
    • 暴动险 Sasria
  • 会计师事务所
    • 南非2020财政预算及税法
    • 南非2019财政预算及税法
    • 南非2018财政预算及税法
    • 南非2017财政预算及税法
    • 南非2016财政预算及税法
    • 南非2015财政预算及税法
    • 南非2008财政预算及税法
  • 关于我们
    • 我们如何与众不同
    • 我們如何帮助客户 - 保险篇
    • 我們如何帮助客户 - 投资理财篇
    • 德博理财学院 >
      • 标准销售话术

意外险

Picture
南非的治安不好、事故多是众所皆知的。根据南非保险集团Sanlam的年度保险统计, 非自然死亡有多种成因,而车祸事故占了将近一半。在南非道路上惊人的受伤和死亡频率以及许多因残暴犯罪而受的伤害, 尤为显得意外以及人寿保险的重要性, 公司为员工投保意外或者人寿保险给予员工更多的保障以及福利,减轻公司的负担同时也为员工做了更多保障。

意外险英文为Accidental cover。意外指外来、突如其来、没有预期的因素,例如车祸、谋杀、抢劫、因不慎而从楼梯或梯子上坠落等。意外险能在两方面给您提供保障:

意外死亡险: 因意外而死亡,保险公司将给付保险金给受益人。例如,先生投保R500,000,指定受益人为太太。当先生因意外而死亡时,保险公司将给付R500,000给遗孀。

意外伤残险: 因意外而造成身体残障,保险公司将给依残障程度按保单中所定比例给付保险金给投保人。例如,王先生投保R1,000,000,后来因车祸而导致双腿残废,保险公司将给付R1,000,000给王先生。

意外伤残险一般的给付标准如下:失去两肢以上的手或腿: 保额的100%;失去一肢(手臂或腿): 保额的50%;双目完全永久失明: 保额的100%;单目完全永久失明: 保额的50%;完全永久不能说话: 保额的100%;完全永久耳聋: 保额的100%;枪伤: 保额的10%。

    人身意外险报价

    请提供以下信息,我们会尽快与您联系。
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意外险的优缺点如下:

优点
  1. 通常不需身体检查。
  2. 可选择最高到R5,000,000的保额(因保险公司而有不同)
  3. 全球、无时无刻的保障。
  4. 可以投保一直到65岁。
  5. 可以指定受益人。
  6. 意外险的保费会比人寿险或人寿残障综合险便宜。
  7. 可以年付保费或月付保费。
缺点
  1. 保额最高为R5,000,000,若客户要更高的保额则必须另买人寿险。人寿险的保额没有上限,乃根据客户的需要及财务状况而定。
  2. 意外险只能保到65岁,不能保终身。相比之下,人寿险能提供终身保障。
  3. 因自然或疾病造成的死亡或残障,保险公司不予理赔。另一方面,人寿险在任何原因的死亡情况下皆理赔(然而,投保后两年内的自杀及诈骗保险公司行为例外)。

地点

我们客户的评语

“谢谢你协助我向保险公司索赔我死去的丈夫人寿保险金200万兰特,让我能够照顾两个年幼孩子的需要。”

“你的理财忠告帮助我在众多复杂的投资选项中做正确抉择,并且在市场震荡时仍有信心,不轻易更换投资基金。

联系我们

总机 (+27)011 658 1333 (周一至周五上午8:00至下午4:30)
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24小时紧急事件专线 076 200 5488

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What Our Clients Are Saying

"Going through the financial planning process has helped me understand how I should invest, using the 3-bucket approach. It makes a lot of sense!"

"Thank you for assisting me in getting the death claim payout on my late husband's life policy. You did what my original broker could not do. Your dedication and expertise have helped me in times of need."


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