Accidental Death
The sum insured is paid, provided that satisfactory evidence exists that the death of the insured person occurred within 180 days from the day of sustaining physical injury due to an accident. This benefit is payable if the accident was the sole cause of death and occurred while the policy and coverage were in force.
Permanent Total Disability due to accident or illness
The sum insured is paid if the insured person becomes permanently and totally disabled due to an accident or illness. The benefit is paid if the accident prevents the insured person from practicing their profession or any other profession or occupation that matches their education, training or experience.
Permanent loss (Partial Disability) due to accident or illness
A percentage of the sum insured is paid, depending on the degree of disability, if the insured person suffers a permanent loss or loss of use of a limb or organ as a result of an accident or illness.
Income Protection due to accident or illness
The monthly benefit is paid after a waiting period, provided that satisfactory evidence exists that disability happened or occurred while the policy and coverage were in force. The benefit is paid if the disability completely prevents the insured person from practicing the profession practiced when the disability occurred. At the same time, the insured person is not practicing any occupation for remuneration or profit.
Critical illnesses
Coverage is provided if the insured person is diagnosed as suffering or has undergone surgery for one of the following illnesses: Myocardial infarction, stroke, coronary artery surgery, cancer, kidney failure, major organ transplantation, paralysis, multiple sclerosis, heart valve replacement, blindness or coma, as defined in the policy terms.
