Absa Hospital Accident Plan Policy

Size: px
Start display at page:

Download "Absa Hospital Accident Plan Policy"

Transcription

1 Absa Insurance Company Limited, Reg No 1992/001737/06 Absa Hospital Accident Plan Policy Contents Terms of contract Description of cover Definitions Table of Benefits General Conditions Claims information Exclusions Important disclosures and contact details This explains the basis of the contract This explains the cover and when and how we will compensate you This explains commonly used words and phrases This shows the benefits and amounts of cover These are conditions which apply throughout the policy This explains the claiming procedures and conditions This explains what is not covered under the policy This details important information which we must disclose to you Terms of Contract This policy is underwritten by Absa Insurance Company Limited, Reg No 1992/001737/06.We agree to provide insurance under this policy during any period of insurance for which you have paid premium. We will accept any proposal or declaration that you have made as true and use that information as the basis of the contract. You must read the policy wording and schedule together as one contract. If we make any changes to your policy wording or schedule, it will form part of the policy. When and how we will compensate you This policy will cover you and/or your spouse and children who you have nominated for cover and who are listed on the policy schedule. If an insured person is hospitalised as an in-patient for longer than a day due to accident or illness during the period of insurance, we will pay you the benefit shown in the Table of Benefits. Payment of benefits is based on the plan you chose when you took out the policy and when an insured person is hospitalised. Definitions Example: If you have chosen a benefit amount of R400 and you are hospitalised for 10 days, your benefit is calculated as: R400 x 10 days = R4, Accident means an unexpected and specific future event, caused only by violent, accidental, external, physical and visible means, which occurs at a time and place that can be identified, which results in injury. Example: an accident is something that is unexpected and can happen at any time - a motor vehicle accident while travelling to work in a taxi or being assaulted while on the way to the shop, which results in injuries. 2 Benefit means the amounts shown in the Table of Benefits. 3 Children means your natural or legally adopted unmarried children or step children between the ages of 6 months and: 18 years, or 25 years if the child is a full-time student attending an accredited school, college or university and still depends on you for support. 4 Day means 24 uninterrupted hours 5 Hospital means a medical facility that holds a licence as a hospital or nursing home, where illness and injury are treated. Example: If you are treated at a rest home or rehabilitation facility, your hospitalisation will not be covered under this policy. ABSA 4141 EX Authorised Financial Services Provider ABSA (04/12/2009)

2 6 Inception date means the date when your first premium is collected, which is when the cover starts. 7 Injury means bodily injury or physical trauma to an insured person. 8 Insured person means you, your spouse and children who have been nominated for cover, and reside in the Republic of South Africa. 9 Legally Appointed Representative means the person who will manage your legal affairs if you are incapable of doing so or are dead. 10 Medical Practitioner means a person currently legally licensed and registered to practice medicine, not including the insured person or members of his or her immediate family. 11 Medical Treatment means a medical practitioner s medical advice, treatment, consultations, and prescribed or repeat medication. 12 Period of Insurance means from the inception date of the policy and while you continue to pay premiums, until your policy is cancelled or terminated. 13 Policy means this document and the schedule and includes any later changes made to the policy. 14 Professional sport means sport from which the insured person earns 50% or more of their income. 15 Spouse means your lawful or common law spouse or partner who permanently lives with you. 16 You/Your means the policyholder, who has taken out this cover and is paying the monthly premium. 17 We/Us/Our means Absa Insurance Company Limited. Table of Benefits Example: If you and your life partner live together in the same house, that person will be considered to be your spouse. Benefit Plan A Plan B Plan C Plan D Plan E Plan F You You and your spouse You and your children R1 500 R1 200 R1 000 R750 R500 R250 Your whole family General Conditions 1 This policy is governed by the laws of the Republic of South Africa. 2 The courts of the Republic of South Africa shall have the exclusive right to hear any matters about this policy. 3 If there are differences between this policy and any other information that you have received about your policy, this policy will be considered correct. 4 We will not be responsible for any tax liability, if any, that you have to pay when we pay any benefit. 5 This policy replaces any Absa Hospital Accident Plan policies that may have previously been issued to you. 6 We may change any part of this policy by giving you 30 days written notice. 7 We will automatically renew your policy on a monthly basis, as long as you pay your premium on time. The policy will be renewed as is, unless we tell you that we have made changes. 8 You can only include a maximum of five children on your policy. Age limits Insured person Entry age Cover end age You years 80 Your Spouse Your children years 6 months 18 years or 25 years if a full time student (see definition) If you have not given us the correct ages: We will only pay the benefit for the correct age, or, If we would not have given cover at all, we will refund you the premiums and no claims will be paid. Cancellation and termination of your policy If this policy is cancelled or terminated, you will not be entitled to any refund of premium. Your policy will end: o If we give you thirty days notice in writing, sent to your last known address, or, o If you give us thirty days notice in writing, or, o If you do not pay your premium, or, o If you reach the age of 80, or, o If you die years or 25 years if a full time student (see definition)

3 Premium Payments 1 You must pay your premiums monthly in advance by debit order. 2 If you do not pay your premium on time, you have a 15 day grace period to pay. 3 If you do not pay your outstanding premium during the grace period, we will cancel your policy from the date the premium was due. 4 If you claim during the 15 day grace period, we can deduct the premium due by you from your claim amount. 5 Due to legislation, we are required to process all debit orders on a random basis without preference to any institution. We therefore use a system which will allow us to resubmit your debit order after the agreed payment date if it is returned due to insufficient funds. This will ensure that your valuable cover remains active by keeping your premiums up to date. 6 If your chosen debit order date falls on a weekend or public holiday, we will debit you on the last working day before this date. Screening of Application, Instructions and Transactions We are part of a global financial institution and at all times obey international and local legal requirements governing: Money Laundering Terrorist financing Financial Sanctions Prohibited business activities We may screen, verify and monitor any of your information at any time. This could cause: Delays in us carrying out certain transactions Us not being able to carry out certain transactions at all Us ending our business relationship with you Should this happen, we will inform you of any action we intend to take, to the extent that we are able to. We, and any person connected to us, will not be liable for any loss that you may suffer as a result of this action. Claims information Claims Procedure If you or your legally appointed representative need to claim under this policy, please contact us. You or your legally appointed representative must notify us of a claim within 30 days of your last day in hospital. Payment of benefits 1 This policy cannot be transferred. Only you have rights under this policy against us. Example: If you were applying for a loan, you couldn t use this policy as a guarantee. 2 We will only pay benefits to you, your nominated beneficiary(ies) or your estate. 3 We will not pay any benefits if an insured person does not meet all policy requirements. 4 We will not pay interest on any benefit payment. 5 If you have more than one policy with us that includes hospital cash benefits, we will add the benefits together and will not pay more than R Any changes in cover to your policy will only apply to claims that happen after the effective date of these changes. Example: If you upgrade your policy, we will only apply the new benefits to claims that happen after you have upgraded your policy. Claims that have already happened before you upgrade your policy will be paid at the old benefit levels. 7 We will not pay benefits until the total claim amount has been agreed. We may choose to make interim payments. 8 We will only make payments into a valid South African bank account in South African Rands. Claims conditions General 1 You must prove claims with medical evidence that we ask for. Example: In order to properly assess your claim, we will need medical reports and hospital records. 2 We can ask that any insured person have a medical examination at our cost. 3 We can choose to have your claim reviewed by a medical practitioner or nurse. 4 An insured person must seek and follow qualified medical advice without delay. If he or she does not, we will not pay the part of any claim which, in the opinion of our medical practitioner, is because of his or her failure to do so. 5 If a claim is because of a criminal incident, you must give us a certified police report. 6 We will only pay for the number of days spent in hospital that our medical practitioner considers medically necessary.

4 True and honest information You must at all times give us true and honest information. We can reject your claim and cancel your policy if you did not give us true, correct and complete information about yourself when you applied for insurance or when any of your information changed. We can reject your claim and cancel your policy if you do not give us true, correct and complete information when claiming. If we pay you any benefits and find out later that the information you gave us was not true, correct and complete, you must pay us back the benefit amount as soon as we ask for it. Time limits if we do not accept your claim If we do not accept your claim, you may appeal against our decision. You must appeal in writing within 90 days of us not accepting the claim. If your appeal is not successful, you may take the matter further with the Short-term Insurance Ombudsman. If you want to take legal action against us, you must do so within 180 days of the date your appeal was not successful. If you do not do so in time, your right to start legal action against us expires. Exclusions These exclusions apply at all times to the whole policy and to all insured persons who are covered under this policy. We will not pay any claims that result from any insured person: 1 Committing any criminal or illegal act. 2 Deliberately injuring himself or herself, committing suicide or attempting suicide. 3 Wilfully or deliberately exposing himself or herself to danger (except in an attempt to save human life). 4 Suffering from insanity or any psychiatric, psychological or emotional condition. 5 Being under the influence of alcohol or drugs unless these drugs are prescribed and taken on a medical practitioner s instructions. 6 Taking part in underground mining or shaft sinking. 7 Taking part in professional sport. 8 Taking part in contact sport. Example: A contact sport is a sport that involves physical contact between players as part of the game, e.g, boxing or rugby. 9 Taking part in sport on ice or snow, mountaineering using ropes. 10 Taking part in speed or endurance racing, driving contests, drag racing or rallying. 11 Flying, if not a fare paying passenger. 12 Living permanently outside of the Republic of South Africa. We will not pay for claims that result from: 13 Chronic or inherited medical conditions. Example: a chronic condition is one that is long-lasting or lifelong, such as diabetes or high blood pressure. 14 Voluntary or cosmetic procedures. 15 Any medical or physical condition for which any Insured Person has received medical treatment or advice in the 12 months before the inception date of the policy. 16 AIDS or HIV infection. 17 War, invasion, act of foreign enemy, hostilities, whether war be declared or not, civil war, rebellion, revolution, insurrection and/or military or usurped power. 18 Any terrorist act or bomb threat. 19 An insured person receiving treatment in a rest or convalescent home, rehabilitation centre, hospice or similar facility.

5 Important Disclosures and Contact Information This policy is underwritten by: Absa Insurance Company Limited, Reg. No. 1992/001737/06 Absa Financial Services Building 21 Kruis Street PO Box Absa Insurance Company Limited, Reg. No. 1992/001737/06 will appoint a third party to sell this product on our behalf. The third party will receive a pre-negotiated fixed cost per sale and no commission is payable. Policy Administration Please contact Collective Dynamics on Claims Please contact Absa Insurance Company on Complaints Resolution If you have a complaint about this policy, please contact: The Chairman of the Complaints Resolution Committee PO Box Fax: Absa Insurance Company Compliance Officer Absa Financial Services Building PO Box Kruis Street Tel: Ombudsman for Short-term Insurance Tel: nd Floor JCC House Fax: Owl Street Share call: P O Box Braamfontein 2017

Proposed Policy wording Absa Accidental Death and Permanent Disability Plan March 2011

Proposed Policy wording Absa Accidental Death and Permanent Disability Plan March 2011 Proposed Policy wording Absa Accidental Death and Permanent Disability Plan March 2011 Contents Terms of contract This explains the basis of the contract Description of cover This explains the cover and

More information

Q Card Accidental Death Cover. Policy Wording

Q Card Accidental Death Cover. Policy Wording Q Card Accidental Death Cover Policy Wording Q Card Accidental Death Cover Policy Wording 1. Introducing your Policy 2. What you re covered for 3. What you re not covered for 4. How to make a claim 5.

More information

Expect to understand your Accidental Death Insurance

Expect to understand your Accidental Death Insurance Expect to understand your Accidental Death Insurance POLICY WORDING Accidental Death Insurance Contents 1. Introducing your policy 2. What you re covered for 3. What you re not covered for 4. Changes you

More information

ACCIDENTAL DEATH. Policy Wording. Together, all the way.

ACCIDENTAL DEATH. Policy Wording. Together, all the way. ACCIDENTAL DEATH Policy Wording Together, all the way. Accidental Death Policy Wording 1. About the Policy 2. Definitions 3. What you are insured for 4. Other terms and conditions 5. Policy exclusions

More information

Edelweiss Tokio Life - Accidental Death Benefit Rider

Edelweiss Tokio Life - Accidental Death Benefit Rider Edelweiss Tokio Life - Accidental Death Benefit Rider Toll Free : 1800 2121212 Edelweiss Tokio Life - Accidental Death Benefit Rider Plan Summary: This rider can be attached to individual non-linked plans.

More information

Travel Accident Policy Document Statement of demands and needs

Travel Accident Policy Document Statement of demands and needs Travel Accident Policy Document Statement of demands and needs This product meets the demands and needs of those who are aged over 18 but under 65 and fulfil the eligibility criteria and who wish to benefit

More information

DOMESTERE - DOMESTIC PERSONAL ACCIDENT INSURANCE CLAIMS ADMINISTRATION GUIDELINE

DOMESTERE - DOMESTIC PERSONAL ACCIDENT INSURANCE CLAIMS ADMINISTRATION GUIDELINE DOMESTERE - DOMESTIC PERSONAL ACCIDENT INSURANCE CLAIMS ADMINISTRATION GUIDELINE A 24 hour Personal Accident policy provides a benefit to your Domestic Worker in the event of her/him suffering accidental

More information

Accidental Death Policy Wording. This is your Hollard Policy Wording. Hollard has set out the details of the policy for your information.

Accidental Death Policy Wording. This is your Hollard Policy Wording. Hollard has set out the details of the policy for your information. Accidental Death Policy Wording This is your Hollard Policy Wording. Hollard has set out the details of the policy for your information. Hollard has appointed Finrite Administrators (Pty) Limited ( Finrite

More information

Household Personal Accident Policy

Household Personal Accident Policy Household Personal Accident Policy www.greeninsurancecompany.co.uk Household Personal Accident Policy Summary Policy Summary About this document Please note that this policy summary does not contain the

More information

MOTORCYCLE PERSONAL ACCIDENT INSURANCE & AUTO EXTRA/ROAD RAGE COVER

MOTORCYCLE PERSONAL ACCIDENT INSURANCE & AUTO EXTRA/ROAD RAGE COVER EVIDENCE OF COVER MOTORCYCLE PERSONAL ACCIDENT INSURANCE & AUTO EXTRA/ROAD RAGE COVER Arranged by Your Demands & Needs This product meets the demands and needs of those who wish to insure against the cost

More information

CREDITCARE BUSINESS Policy Wording

CREDITCARE BUSINESS Policy Wording CREDITCARE BUSINESS Policy Wording CreditCare Business Policy Wording Part A: About this Policy Part B: Definitions Part C: What this Policy covers 1. Temporary Disablement cover in detail 2. Permanent

More information

Your Personal Accident Protection. Policy document

Your Personal Accident Protection. Policy document Your Personal Accident Protection Policy document This policy which forms part of your Simplyhealth cash plan is underwritten by Cigna Europe Insurance Company S.A.-N.V. and administered by FirstAssist

More information

Personal Accident Plan Terms and Conditions

Personal Accident Plan Terms and Conditions Personal Accident Plan Terms and Conditions elephant.co.uk Policy Summary Personal Accident Plan This policy summary does not contain full terms and conditions of the cover, which can be found in the policy

More information

Personal Injury Cover. Terms and Conditions

Personal Injury Cover. Terms and Conditions Personal Injury Cover Terms and Conditions Demands and Needs Statement This Policy meets the demands and needs of those who wish to ensure that in the event of an Accident an Insured Person will be covered

More information

Personal Injury Cover. Terms and Conditions

Personal Injury Cover. Terms and Conditions Personal Injury Cover Terms and Conditions Demands and Needs Statement This Policy meets the demands and needs of those who wish to ensure that in the event of an Accident an Insured Person will be covered

More information

Personal Accident Policy Document

Personal Accident Policy Document Personal Accident Policy Document www.greeninsurancecompany.co.uk Drivers Personal Accident Insurance Policy Summary This policy summary is to help you understand the insurance by setting out the significant

More information

Total, permanent, loss of use through physical damage or separation at or above the wrist or ankle of one or more limbs

Total, permanent, loss of use through physical damage or separation at or above the wrist or ankle of one or more limbs LLOYDS TSB Personal Accident Cover Policy Document These terms and conditions are provided to give you a guide on the cover that is being offered. Please note that your personalised policy document will

More information

Driver Personal Accident Confirmation of Benefits

Driver Personal Accident Confirmation of Benefits Driver Personal Accident Confirmation of Benefits By virtue of you being registered as a member of BlaBlacar and being a driver on a eligible trip, you receive Personal Accident benefits free of charge

More information

Payment Protection Insurance Policy

Payment Protection Insurance Policy Payment Protection Insurance Policy Introduction Money back guarantee You may cancel your policy within 14 days of receiving it if you are not entirely satisfied with the insurance cover provided. You

More information

BILL COVER INSURANCE Policy Wording

BILL COVER INSURANCE Policy Wording BILL COVER INSURANCE Policy Wording Cigna Bill Cover Insurance Policy Wording 1. Introducing your policy 2. Temporary Disability Your Policy - Important This document refers to your Cigna Bill Cover policy

More information

MERCER BILLPROTECT INSURANCE

MERCER BILLPROTECT INSURANCE MERCER BILLPROTECT INSURANCE MERCER BILLPROTECT INSURANCE POLICY WORDING 1. INTRODUCING YOUR POLICY 2. TEMPORARY DISABILITY COVER 3. REDUNDANCY COVER 4. BANKRUPTCY COVER 5. HOW TO MAKE A CLAIM 6. IF YOU

More information

Accidental Total and Permanent Disability Rider Toll Free : 1800 2121212

Accidental Total and Permanent Disability Rider Toll Free : 1800 2121212 Edelweiss Tokio Life - Accidental Total and Permanent Disability Rider Toll Free : 1800 2121212 Edelweiss Tokio Life - Accidental Total and Permanent Disability Rider Plan Summary: This rider can be attached

More information

GROUP PERSONAL ACCIDENT INSURANCE HOW TO SUBMIT A CLAIM? CLAIM DOCUMENTS NEEDED CLAIMS PROCEDURE GUIDELINE

GROUP PERSONAL ACCIDENT INSURANCE HOW TO SUBMIT A CLAIM? CLAIM DOCUMENTS NEEDED CLAIMS PROCEDURE GUIDELINE GROUP PERSONAL ACCIDENT INSURANCE CLAIMS PROCEDURE GUIDELINE Indwe Risk Services SHA Abacus Our Personal Accident Policy provides a Benefit to Employees (known as Insured Persons) of a Company (known as

More information

Business Insurance Personal accident section

Business Insurance Personal accident section Business Insurance Personal accident section Contents of this section Meaning of defined terms 1 What is covered 3 What is not covered 3 Section conditions 4 Personal accident Your policy schedule will

More information

ADVANCED PERSONAL LOAN Policy Wording

ADVANCED PERSONAL LOAN Policy Wording ADVANCED PERSONAL LOAN Policy Wording Advanced Personal Loan Insurance Policy Wording Part A: The basic terms of the Policy Part B: Temporary Disablement cover in detail Part C: Permanent Disablement cover

More information

Take It Easy Sports Personal Accident Insurance

Take It Easy Sports Personal Accident Insurance SPORTS Snap cover from Take It Easy Sports Personal Accident Insurance Product Disclosure Sheet (Read this Product Disclosure Sheet before you decide to take out the Take It Easy Sports Personal Accident

More information

ACCIDENTAL ACCIDENTAL

ACCIDENTAL ACCIDENTAL ACCIDENTAL CREDITCARE DEATH PLUS ACCIDENTAL Policy Policy DEATH Wording Wording Policy Wording CreditCare Plus Policy Wording Part A: The basic terms of the Policy Part B: Temporary Disablement cover in

More information

American Express Accident Cash Plan

American Express Accident Cash Plan American Express Accident Cash Plan Policy Wording and Product Disclosure Statement (PDS) Index Index 1 Important information about this Policy Wording and PDS 2 2 About the Insurer and the Promoter 2

More information

Personal Accident & Road Protect Cover through Virgin Money Insurance like it should be.

Personal Accident & Road Protect Cover through Virgin Money Insurance like it should be. Personal Accident & Road Protect Cover through Virgin Money Insurance like it should be. Terms & Conditions You get cover in the event of death, disablement or hospitalisation resulting from an accident.

More information

Guaranteed Lifelong Protection Plan Conditions

Guaranteed Lifelong Protection Plan Conditions Guaranteed Lifelong Protection Plan Conditions 1. WORDS WITH SPECIAL MEANINGS Where the words we, us or our are used in the Plan they refer to Aviva Life & Pensions UK Limited. The words you or your refer

More information

doing things your way MiAccidental Death and Injury Each and every individual who joins MiWay enters into a contract where "me + I" are the most important considerations. Therefore this policy wording

More information

Payment Protection Insurance Policy

Payment Protection Insurance Policy Payment Protection Insurance Policy Contents INTRODUCTION...1 YOUR PRODUCT DISCLOSURE STATEMENT...2 Product Disclosure Statement overview...3 Exclusion... 6 YOUR POLICY... 8 General Information... 8 What

More information

Private Vehicle Auto Extra Policy

Private Vehicle Auto Extra Policy Private Vehicle Auto Extra Policy (Vehicle includes vans, cars, motorhomes and campers, mobility scooters, electric wheelchairs and tricycles.) Insurer We are authorised and regulated by the Malta Financial

More information

Kiwibank Personal Loan Insurance

Kiwibank Personal Loan Insurance Kiwibank Personal Loan Insurance Policy Wording Where to look if you want to know: Section A: General Policy Terms 3 Section B: Policy Definitions 6 Section C: Temporary Disablement benefit 8 Section

More information

Accidents are a matter of chance. Securing your family s financial future isn t. Birla Sun Life Insurance Accidental Death and Disability Rider

Accidents are a matter of chance. Securing your family s financial future isn t. Birla Sun Life Insurance Accidental Death and Disability Rider Accidents are a matter of chance. Securing your family s financial future isn t. Provide additional financial security to your family with Birla Sun Life Insurance Accidental Death and Disability Rider

More information

Payment Protection Insurance Policy

Payment Protection Insurance Policy Payment Protection Insurance Policy DRIVERIGHT Payment Protection Insurance Policy Contents About this Policy 3 Conditions 5 General 6 Claims Paying Ability 7 Definitions 8 QFE Disclosure Statement IAG

More information

Policy Summary for Over 50s Fixed Life Insurance Plan

Policy Summary for Over 50s Fixed Life Insurance Plan Policy Summary for Over 50s Fixed Life Insurance Plan This is an important document which you should read carefully so that you understand what you are buying and help you decide whether our Over 50s Fixed

More information

Sanlam icover Funeral Plan

Sanlam icover Funeral Plan Sanlam icover Funeral Plan Policy Document Thank you for buying the Sanlam icover Funeral Plan Starter Pack. Choose one of the policies in the Starter Pack for you and your loved ones and take a step closer

More information

In the event of a claim please call MOTORISTS PERSONAL ACCIDENT

In the event of a claim please call MOTORISTS PERSONAL ACCIDENT In the event of a claim please call 0871 222 79 10 MOTORISTS PERSONAL ACCIDENT CERTIFICATE OF INSURANCE This Policy is evidence of a contract solely between you (your name is specified in the Schedule)

More information

Shepherds Premier Protect Professional Cricket Player Income Protection Plan

Shepherds Premier Protect Professional Cricket Player Income Protection Plan Shepherds Premier Protect Professional Cricket Player Income Protection Plan Terms and conditions The Shepherds Friendly Society Limited Registered Office: Shepherds House, Stockport Road, Cheadle, Cheshire

More information

Policy wording. AMI Life Injury Insurance. What you need to know about your policy. When the insurance cover begins.

Policy wording. AMI Life Injury Insurance. What you need to know about your policy. When the insurance cover begins. AMI Life Injury Insurance Policy wording What you need to know about your policy Please read your policy wording and schedule carefully to ensure it meets your needs. If there is any error please contact

More information

Take It Easy Sports Travel Personal Accident Insurance

Take It Easy Sports Travel Personal Accident Insurance SPORTS TRAVEL Snap cover from Take It Easy Sports Travel Personal Accident Insurance Product Disclosure Sheet (Read this Product Disclosure Sheet before you decide to take out the Take It Easy Sports Travel

More information

Q Card Term Life Policy Wording

Q Card Term Life Policy Wording Q Card Term Life Policy Wording Q Card Term Life Policy Wording 1. Your Policy Important 2. About the Policy 3. Policy Terms and Conditions 3.1 Definitions 3.2 Policy Benefits 3.3 Other terms and conditions

More information

In the event of a claim please call 0871 222 79 10 PERSONAL INJURY COVER

In the event of a claim please call 0871 222 79 10 PERSONAL INJURY COVER In the event of a claim please call 0871 222 79 10 PERSONAL INJURY COVER PERSONAL INJURY COVER CERTIFICATE OF INSURANCE This Policy is evidence of a contract solely between you (your name is specified

More information

NCE Premier Accident Insurance Program

NCE Premier Accident Insurance Program NCE Premier Accident Insurance Program Underwritten by Unified Life Insurance Company GROUP ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE Benefit Reduction at age 70 and 75 Unified Life Insurance Company

More information

product disclosure statement Issued by Westpac Life Insurance Services Limited ( Westpac Life )

product disclosure statement Issued by Westpac Life Insurance Services Limited ( Westpac Life ) Westpac Future Cover product disclosure statement Issued by Westpac Life Insurance Services Limited ( Westpac Life ) ABN 31 003 149 157 Australian Financial Services Licence No. 233728 Level 20, Westpac

More information

Cash Back Cover We ve got you covered for life.

Cash Back Cover We ve got you covered for life. Cash Back Cover We ve got you covered for life. Contents Combined Product Disclosure Statement and Financial Services Guide Page No. Product Disclosure Statement 3 About Cash Back Cover 3 Information about

More information

Personal Accident. Terms & Conditions

Personal Accident. Terms & Conditions Personal Accident Terms & Conditions What the Personal Accident policy covers The Personal Accident policy provides you with invaluable cover if you are injured and admitted to hospital or you are disabled

More information

SHRIRAM JANA SURAKSHA (UIN: 128N018V01)

SHRIRAM JANA SURAKSHA (UIN: 128N018V01) SHRIRAM JANA SURAKSHA (UIN: 128N018V01) It is a One year Renewable Group Term Assurance plan that assures payment of sum assured upon death. WHOM THE PRODUCT IS OFFERED TO? Employer Employee groups Associations

More information

Saga Accidental Death Benefit Your Policy Booklet

Saga Accidental Death Benefit Your Policy Booklet Saga Accidental Death Benefit Your Policy Booklet Welcome to Saga Accidental Death Benefit. As with all our services, we have designed this policy with our customers needs in mind and I hope you will be

More information

Personal Accident Insurance. Arranged by Golfguard Ltd

Personal Accident Insurance. Arranged by Golfguard Ltd Personal Accident Insurance Arranged by Golfguard Ltd 1 This is your Personal Accident Insurance policy document. If you have any questions about these documents, please contact your insurance adviser

More information

Credit Card Debt Protection Plan

Credit Card Debt Protection Plan Credit Card Debt Protection Plan Personal Banking First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). FNB Credit Card Debt Protection

More information

Canara HSBC Oriental Bank of Commerce Life Insurance esmart Term Plan UIN 136N023V01 TERMS AND CONDITIONS

Canara HSBC Oriental Bank of Commerce Life Insurance esmart Term Plan UIN 136N023V01 TERMS AND CONDITIONS Canara HSBC Oriental Bank of Commerce Life Insurance esmart Term Plan UIN 136N023V01 TERMS AND CONDITIONS 1. Introduction, Interpretation & Definitions 1.1. Introduction: This Policy document evidences

More information

CIGNA SERENITY SERIES SENIOR CANCER PRO. Supporting you all the way through recovery

CIGNA SERENITY SERIES SENIOR CANCER PRO. Supporting you all the way through recovery CIGNA SERENITY SERIES SENIOR CANCER PRO Supporting you all the way through recovery GLOBAL LEADER IN HEALTH SERVICES About Cigna Rooted in health expertise dating back over 200 years through its predecessor

More information

Motorcycle * Auto Extra Policy

Motorcycle * Auto Extra Policy Motorcycle * Auto Extra Policy (* Motorcycle includes motorbikes, trikes (tricycle), quad bikes and road-legal buggies.) Warranties a You must normally live in the United Kingdom. b This insurance does

More information

Life and Critical Illness Cover Individual Policy Summary

Life and Critical Illness Cover Individual Policy Summary This policy summary does not contain the full terms and conditions of the policy; these can be found in the policy document. Who is the insurer? Life and Critical Illness is underwritten by Lloyd s Syndicate

More information

Over 50s life insurance

Over 50s life insurance Provided by Legal & General Over 50s life insurance Policy summary Please keep together in a safe place for future reference with your Policy Terms and Conditions and Policy Schedule. Policy summary Welcome

More information

7004 Boago Funeral Plan 11112014 FA.indd 1. Boago Funeral Plan

7004 Boago Funeral Plan 11112014 FA.indd 1. Boago Funeral Plan 7004 Boago Funeral Plan 11112014 FA.indd 1 Boago Funeral Plan 2014/11/11 9:42 AM Liberty is not just our name. It s what we do. 7004 Boago Funeral Plan 11112014 FA.indd 2 2014/11/11 9:42 AM Boago Funeral

More information

Sick Pay Individual Policy Document

Sick Pay Individual Policy Document Sick Pay Individual Policy Document This insurance is not valid unless your schedule is attached Table of Contents 1. Are you eligible?... 1 2. The laws that apply... 1 3. Data Protection Act 1998... 1

More information

Policy Guidelines. Your Policy and How it Works. General Terms and Conditions. Definitions. Benefit Terms and Condiitons

Policy Guidelines. Your Policy and How it Works. General Terms and Conditions. Definitions. Benefit Terms and Condiitons Easy Cover, Easy Choice Policy Guidelines 1 7 11 12 Your Policy and How it Works General Terms and Conditions Definitions Benefit Terms and Condiitons 1 EASYCOVER FUNERAL PLAN UNDERWRITTEN BY NEDGROUP

More information

Over 50 s Life Insurance

Over 50 s Life Insurance Over 50 s Life Insurance terms and conditions booklet This product is provided by Irish Life Assurance plc. This is the Terms and Conditions booklet for your Over 50 s Life Insurance plan. You should read

More information

Credicover Loan Insurance

Credicover Loan Insurance The Disability and Involuntary Unemployment component of this policy is underwritten by Credicorp Insurance Pty Ltd ABN 50 069 196 756, AFSL No. 238 335. Life Insurance issued by arrangement with CGU Insurance

More information

Reliance Term Plan. Protect yourself...

Reliance Term Plan. Protect yourself... Reliance Term Plan Protect yourself... ...protect your loved ones Reliance Term Plan Life, as we know, is full of uncertainties. And to keep ahead of them, you need to plan ahead. Reliance Term Plan is

More information

PRODUCT DISCLOSURE SHEET

PRODUCT DISCLOSURE SHEET PRODUCT DISCLOSURE SHEET Please read this Product Disclosure Sheet carefully and understand the terms and conditions of the insurance policy. Product: Accident Hospital Guard Plan Date Issued: 1. What

More information

Life insurance. Policy wording

Life insurance. Policy wording Life insurance Policy wording Life insurance policy wording contents 1. Introducing your Policy 2. What you re covered for 3. What you re not covered for 4. Changing your cover 5. What you can expect from

More information

Your Term Life Insurance Policy

Your Term Life Insurance Policy Your Term Life Insurance Policy In conjunction with ANV Syndicate 779 Many thanks for taking out an Emerald Life Term Life policy, an important part of protecting and providing for those you love, or as

More information

Underwritten by Hollard Life Assurance Company Limited, a registered Insurer and an authorised Financial Services Provider. Edcon is a juristic

Underwritten by Hollard Life Assurance Company Limited, a registered Insurer and an authorised Financial Services Provider. Edcon is a juristic Underwritten by Hollard Life Assurance Company Limited, a registered Insurer and an authorised Financial Services Provider. Edcon is a juristic representative of Hollard. Terms and Conditions apply. POLICY

More information

Business Banking Visa Debit Card Transit Accident Insurance

Business Banking Visa Debit Card Transit Accident Insurance Transit Accident Insurance Business Banking Visa Debit Card Transit Accident Insurance Effective for purchases finalised on or after 1st July 2015 Complimentary Cover Your complimentary cover will provide

More information

Policy Summary for Over 50s Life Insurance Plans

Policy Summary for Over 50s Life Insurance Plans This is an important document, which you should read carefully so that you understand what you are buying. Please keep together with your Policy Terms and Conditions, in a safe place, for future reference.

More information

Personal Accident and Illness Insurance

Personal Accident and Illness Insurance Personal Accident and Illness Insurance This is your Personal Accident and Illness Insurance policy document. If you have any questions about these documents, please contact your insurance adviser who

More information

POLICY SUMMARY. OVER 50s LIFE INSURANCE PLANS

POLICY SUMMARY. OVER 50s LIFE INSURANCE PLANS OVER 50s LIFE INSURANCE PLANS POLICY SUMMARY. Keep this document in a safe place for future reference together with your Policy Terms and Conditions and Policy Schedule. 2 POLICY SUMMARY 1. INCREASING

More information

Motorcycle Auto Extra Policy

Motorcycle Auto Extra Policy Motorcycle Auto Extra Policy (Motorcycle includes motorbikes, trikes (tricycle), quad-bikes, pedal cycles and road-legal buggies.) Insurer We are authorised and regulated by the Malta Financial Services

More information

Guaranteed acceptance. No medical questions.

Guaranteed acceptance. No medical questions. Life Assurance EBS Over 50s Life Cover Guaranteed acceptance. No medical questions. EBS Over 50s Life Cover is provided by Irish Life Assurance plc (Irish Life). Important note: Over 50s Life Cover is

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Members of 6CC000 B-14564 4-15 CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................

More information

Reliance Life Insurance Family Income Benefit Rider

Reliance Life Insurance Family Income Benefit Rider Reliance Life Insurance Family Income Benefit Rider Reliance Life Insurance Family Income Benefit Rider We often hear stories of people who die and leave financial problems for their families to settle.

More information

Household Personal Accident Cover How are you covered?

Household Personal Accident Cover How are you covered? Household Personal Accident Cover How are you covered? Household Personal Accident - Policy Summary Contents Your Demands and Needs Your Insurance Definitions Eligibility What is Covered What we will Not

More information

CREDIT CARD DEBT PROTECTION PLAN

CREDIT CARD DEBT PROTECTION PLAN CREDIT CARD DEBT PROTECTION PLAN First National Bank a division of FirstRand Bank Limited. An Authorised Financial Services and Registered Credit Provider. Company Reg. No. 1929/001225/06 NCA Reg No. NCRCP20

More information

Funeral Plan Guide. This document will help you understand the finer details of your Discovery Life Funeral Plan

Funeral Plan Guide. This document will help you understand the finer details of your Discovery Life Funeral Plan Funeral Plan Guide This document will help you understand the finer details of your Discovery Life Funeral Plan THE DISCOVERY LIFE FUNERAL PLAN 1. INTRODUCTION 1.1 The Discovery Life Funeral Plan aims

More information

Personal Accident and Accidental Death Benefit Policy Wording

Personal Accident and Accidental Death Benefit Policy Wording Personal Accident and Accidental Death Benefit Policy Wording This Policy has been arranged by Motorplus Limited (trading as ULR Additions) with Qdos Broker & Underwriting Services Limited and is underwritten

More information

CREDIT CARD TOP-UP DEBT PROTECTION PLAN

CREDIT CARD TOP-UP DEBT PROTECTION PLAN CREDIT CARD TOP-UP DEBT PROTECTION PLAN First National Bank a division of FirstRand Bank Limited. An Authorised Financial Services and Registered Credit Provider. Company Reg. No. 1929/001225/06 NCA Reg

More information

Household Personal Accident Insurance

Household Personal Accident Insurance Household Personal Accident Insurance Contents Your Demands and Needs Your Insurance Definitions Eligibility What is Covered? What we will not cover General Exclusions General Conditions How to make a

More information

Motor Vehicle Excess Protection Policy Wording

Motor Vehicle Excess Protection Policy Wording Motor Vehicle Excess Protection Policy Wording www.greeninsurancecompany.co.uk Contents Demands and Needs Statement 2 Insurer 2 What makes up this policy? 2 Changing your mind Your right to cancel 2 Definitions

More information

Medical & Repatriation Insurance For Operation Wallacea

Medical & Repatriation Insurance For Operation Wallacea Medical & Repatriation Insurance For Operation Wallacea Certificate of Insurance Underwritten by certain syndicates at Lloyd s and administered by Accident & Health Underwriting Limited Accident & Health

More information

Saga Personal Accident Insurance Your Policy Booklet

Saga Personal Accident Insurance Your Policy Booklet Saga Personal Accident Insurance Your Policy Booklet Welcome to Saga Personal Accident Insurance. As with all our services, we have designed this policy with our customers needs in mind and I hope you

More information

Life insurance with no medical questions.

Life insurance with no medical questions. Life Insurance EBS Over 50s Life Insurance Life insurance with no medical questions. EBS Over 50s Life Insurance is provided by Irish Life Assurance plc (Irish Life). Important note: As well as offering

More information

Policy Summary for Over 50s Life Insurance Plans

Policy Summary for Over 50s Life Insurance Plans Policy Summary for Over 50s Life Insurance Plans 1. Fixed Plan 2. Increasing Plan 3. Funeral Plan This is an important document, which you should read carefully so that you understand what you are buying

More information

Life. Product Disclosure Statement and Insurance Policy

Life. Product Disclosure Statement and Insurance Policy Life Product Disclosure Statement and Insurance Policy CGU Life Product Disclosure Statement and Policy Life Preparation date: 01/02/2013 Contents About This Insurance 1 Overview 1 Who is the product

More information

Insurance. Life. Insurance. Product Disclosure Statement and Policy

Insurance. Life. Insurance. Product Disclosure Statement and Policy Insurance Life Insurance Product Disclosure Statement and Policy Effective 11 October 2013 The information provided in this PDS is general information only and does not take into account your individual

More information

Personal Accident Insurance Policy Summary. From 1st March 2013

Personal Accident Insurance Policy Summary. From 1st March 2013 Personal Accident Insurance Policy Summary From 1st March 2013 1 Personal Accident Who can apply for this insurance? Cover is available to members of HM Forces (except SAS or SBS) and civilians attached

More information

b o n l i f e Bonben Assurance Namibia Limited Registration Number: 96 / 391 CERTIFICATE OF PARTICIPATION (NUMBER BONLIFE/01/07/14/DB) ISSUED

b o n l i f e Bonben Assurance Namibia Limited Registration Number: 96 / 391 CERTIFICATE OF PARTICIPATION (NUMBER BONLIFE/01/07/14/DB) ISSUED b o n l i f e Bonben Assurance Namibia Limited Registration Number: 96 / 391 CERTIFICATE OF PARTICIPATION (NUMBER BONLIFE/01/07/14/DB) ISSUED to INVESTMED LTD Reg No. 2008/0614 SCHEDULE OF INSURANCE Policyholder:

More information

Group Life Assurance Benefit LIFE INVESTMENTS HEALTH CORPORATE PROPERTIES ADVICE

Group Life Assurance Benefit LIFE INVESTMENTS HEALTH CORPORATE PROPERTIES ADVICE Group Life Assurance Benefit LIFE INVESTMENTS HEALTH CORPORATE PROPERTIES ADVICE 1 / Liberty Corporate Group Life Assurance Benefit Group Life Assurance Benefit Losing a loved one is never easy and can

More information

LIFESTYLE PROTECTION PLAN

LIFESTYLE PROTECTION PLAN LIFESTYLE PROTECTION PLAN LIFE TRAVEL CAR & HOME WARRANTIES COMMERCIAL VEHICLES Regent is an authorised financial services provider. WHAT IS THE LIFESTYLE PROTECTION PLAN? The Lifestyle Protection Plan

More information

SPECIMEN. There are additional definitions provided in the Policy to which this Rider is attached.

SPECIMEN. There are additional definitions provided in the Policy to which this Rider is attached. Renewable and Convertible Term Rider This Rider forms part of the Policy and is subject to its terms and provisions. Should any provisions of this Rider be inconsistent with any Policy provisions, the

More information

ACCIDENTAL DEATH INSURANCE

ACCIDENTAL DEATH INSURANCE ACCIDENTAL DEATH INSURANCE Policy Document This product and Policy Document are issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 under the brand, AAMI. Contents 1.0 Important

More information