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Benefits covered under Comprehensive Life
policies
Death
due to any cause/any means
Total
permanent disability due to accident
Partial
permanent disability due to accident according to full
continental
scale
Accidental
death benefit ( double indemnity)
Weekly indemnity up to 52
weeks of U.S $75 with deferred period of 2 weeks per accident
Weekly indemnity up to 52 weeks
of U.S $75 with a waiting period of 3 months on inception of critical
illness
Passive
war risks- death
Passive
war risks- Disability( whether permanent or total)
Acceleration of 50% of life sum
insured on inception of critical illness.
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Emergency payment of U.S. $1500
covering:
 |
Burial expenses
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Corpse repatriation
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Repatriation of sick person to home
country
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ANNUAL RATE
SCHEDULE
The
definition of “ critical illness” as defined and forming
integral part of life cover
| Benefits |
Death by any
means |
Death/TPD/PPD
Double indemnity |
War |
Critical Illness
50%life cover |
Weekly indemnity Acc |
Weekly
indemnity
C.I |
Emergency Payment |
| Limit in
$U.S |
10.000 |
20.000 |
20.000 |
5000 |
75 |
|
1500 |
.
|
Age-Band |
Critical
Illness |
| Female |
Male |
From 18 to
35 |
$65 |
$65 |
|
From
36 to 40 |
$75 |
$75 |
| From 41 to 45 |
$85 |
$85 |
| From 46 to 50 |
$125 |
$125 |
| From 51 to 55 |
$150 |
$175 |
| From 56 to 60 |
$225 |
$275 |
| From 61 to 65 |
$300 |
$400
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Summary
List of Critical Illnesses
| Cancer |
Coroway artery
by Pass |
Severe
Burns |
| Heart
Attack |
Heart Valve
Surgery |
Motor Neuron
Diseases |
| Stroke |
Major Organ
Transplant |
Loss of
Sight |
| Kidney
Failure |
Paralysis |
Loss of
Hearing |
| Aorta
Surgery |
Coma |
Total &
Permanent
Disability |
An advance
payment of some of the life assurance cover would be made if
the life assured is diagnosed as suffering from critical
illnesses or undergoes specified surgery, as set out below.
Full definition for the following list is for general
guidance only.
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Cancer: The uncontrolled
growth or spread of malignant cells and the invasion of
tissue.
|
|
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Heart attack: The death of a
portion of a heart muscle is a result of inadequate blood
supply |
|
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Multiple Sclerosis: A
disease of the brain and spinal cord with impairment of motor and
sensory function which may lead to tremors, double vision or
paralysis |
|
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Stroke: Insufficient supply
of blood to part of the brain producing permanent damage to the
nervous system |
|
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Kidney Failure: Chronic
irreversible failure of both kidneys which requires either
transplantation or continuing dialysis. |
|
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Major Heart Surgery: By pass
surgery to correct the narrowing or blockage of one or more
coronary.
Arteries:
open heart surgery to replace or repair a heart
valve. Surgery: to correct the disease of
the aorta. |
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Major Organ Transplant:
Transplantation of a heart, heart on lungs, liver, kidney,
pancreas or bone marrow, or being accepted onto an official
programs waiting list for such transplantation.
|
|
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Coma: A state of unconscious
with no reaction to external stimulate or internal needs,
persisting continuously with the use of life support system for a
period of at last hours. |
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Paralysis: A complete and
permanent loss of use of two or more limbs through accident or
illness.
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Severe Burns: Third degree
burns covering at least 20% of the body surface area.
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Motor Neuron Disease:
Confirmation by a consultant neurologist of a definite diagnosis of motor neuron disease. |
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Blindness: The total and
permanent loss of sight in both eyes.
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Deafness: The total and
permanent loss of hearing in both ears. |
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Total Permanent Disability:
Permanent inability to follow any gainful occupation due to
irreversible disability arising before the life assured reaches
age 65 years. |
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here to apply on-line now
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