Our Group Student Personal Accident Package provides protection to students 24 hours a day anywhere in the world for 365 days whether in or out of school premises.  It also includes drowning, and dog and snakebites.


Accidental Death and Disablement
Pays the Principal Sum to the beneficiary/ies of the student should he suffers from loss of life, or he gets percentage of the Principal sum incase of disablement. 

Medical Reimbursement
The student gets to reimburse the medical expenses he incurred as a result of an accident within 52 weeks from the date of the accident, but not exceeding the plan

Burial Assistance Benefit
Should a student suffer from loss of life due to accident, FGIC shall pay the amount indicated in the chosen plan as Burial Assistance, to his designated beneficiary/ies. 

Unprovoked Murder & Assault
For death due to unprovoked murder and assault, FGIC shall pay the Principal sum to the student’s beneficiary/ies. 

Daily Hospital Income Confinement Benefit
In case a student was confined in hospital due to accident, he shall receive a daily hospital income benefit computed based on the chosen plan multiplied by the number of days of confinement.  The maximum days of confinement in a year must not exceed 60 days.  The hospital income confinement benefit shall commence upon confinement.


The plan does not cover death or injuries as a result of insanity, self-destruction (sane or insane ) or any attempt upon himself; disease due to parasites, infection (except pyogenic infection which shall occur through an accidental cut or wound), or any other kinds of disease; tidal wave; war, act of war, invasion, act of foreign enemy, hostilities, (whether war be declared or not), strike, riot, civil commotion, civil war, rebellion, revolution, insurrection, or military or usurped power, mutiny, military or popular rising, or suffered by the insured while in the military or naval service of any country at war; and terrorism or acts of terrorism.