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Assure your Company’s employees protection

The Work Accident Insurance is intended to salaried workers and allows the transfer to Seguradora Internacional de Moçambique of costs resulting from a work accident occurred to the insured person (employee), during working hours and during the usual route, to and from home.


The Insurer offers the following guarantees:

  • Pensions for Death: Salary-based;
  • Pensions of Permanent Disability (Absolute or Partial): Salary-based;
  • The insurance company is responsible for the payment of treatment expenses as a result of an accident.
  • Compensation for Temporary Disability (Absolute or Partial): Salary-based;     
  • Funeral expenses (includes coffin and transport): maximum 30 daily wages;
  • Treatment Expenses: Unlimited;
  • Medicine, Medical and hospital care: Unlimited;
  • In-itinerary (optional).​
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    It is considered an accident at work when:

  • ​The subordinate worker suffers, directly or indirectly, body injury, functional disturbance or illness that results in death or reduction in the ability to work or gain;
  • Occurred when transporting the worker to or from the work place, by the employer’s transport.
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    Occupational Disease

    Any clinical situation that arises in the organism, localized or generalized, of toxic or biological nature, resulting from the professional activity, namely:

  • ​Intoxication of lead, its alloys or compounds, with direct consequences of such intoxication;
  • Intoxication by mercury, its amalgams or compounds, with the direct consequences of such intoxication;​
  • Intoxication by harmful pesticides, herbicides, dyes and solvents;
  • Poisoning by dust, industrial gases and vapors, such as: gas from batteries of electric accumulators and internal combustion gases and refrigeration machines;
  • Exposure of asbestos fibers or dust in the air or dust from products containing asbestos;
  • Intoxication by the action of x-rays or radioactive substances;
  • Carbuncle infections;
  • Professional skin diseases.
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    People Insured

  • ​Effective or temporary employees;
  • Apprentices and trainees;
  • Workers performing voluntary work;
  • Self-employed workers and their household provided that they work in conjunction with self-employed work;
  • Insured household members, administrators or managers, which their names are include in the insurance policy.
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    Also excluded are the activities with the coverage not foreseen or excluded in the current legislation of Work Accidents insurance of and exclusions foreseen in the General Conditions, namely:

  • ​Accidents resulting from assaults, strikes, riots, acts of terrorism and sabotage, rebellion, insurrection and revolution;
  • Arrival expenses for landing of the victim;
  • Fines under the insured responsibility for lack of compliance with legal provisions;
  • Accidents resulting from the deprivation of the victim's reason, drunkenness, use of narcotics or drugs (when the insured or his/her representative knows this state).​
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    If you wish to subscribe the Work Accident Insurance and ensure a safe environment in your Company, please visit the nearest  Millennium bim Branch, contact your Manager or contact us through the following numbers:

    +258 21 35 00 35;

    +258 823 500 350;

    +258 843 500 350;

    +258 863 500 350.

     

     

    In case of accident covered by the policy:

  • ​The hospitalization and treatment should be carried out in national public hospitals, adequate for the victim’s recovery;
  • Assistance will be provided in the sanitary facilities closest to the victim's residence, which can more adequately perform it;
  • In the absence of medical resources in the country, if Seguradora Internacional de Moçambique deems appropriate, and if proven by a medical committee and authenticated by a doctor of absolute trust, medical and hospital assistance can be provided abroad. Transportation or repatriation may be charged to the insurer, if stipulated in the Particular Conditions;
  • After the occurrence of the work accident, and assured the necessary emergency medical services, the accident claim and the necessary documentation must be delivered to any Millennium bim branch.
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