The Personal Accident Policy provides compensation for those insured against death or injury arising from accidental, violent, external and visible means. A capital sum is payable for death, with lesser sums for loss of limbs or eyesight. A weekly benefit for a specified maximum period is payable for temporary total disablement in addition to medical expenses necessarily incurred as a result of the accident. This Policy unlike the Employers liability policy operates for 24 hours a day, 7 days a week and has a worldwide cover . The Policy is also available for a group.