Maximum Age of Cover: The age of sixty-five (65) years upon whose attainment the Life Assured shall cease to be covered under this policy;
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1 ADDITIONAL INFORMATION ON PERSONAL PROTECTION INSURANCE (PPI) Life Assured: A person who effected the Loan Agreement with the Creditor and whose life shall be assured under this policy, and shall not be below the age of 18 years or over the age of 64 years, when the facility is applied for; Maximum Age of Cover: The age of sixty-five (65) years upon whose attainment the Life Assured shall cease to be covered under this policy; Creditor: STANDARD CHARTERED BANK GHANA LIMITED; Scope of Cover: The insured events for which the benefits under this policy shall become payable as detailed in clause 3 of this policy, and shall include: 1) Life Cover 2) Total Permanent Disability Cover (TPD) 3) Total Temporary Disability Cover (TTD) 4) Retrenchment Cover Start of cover: Cover for benefit will commence from inception of the contract subject to the pre-existing condition exclusions. Deferred Period: A period of time (three months for TPD cover) after the date of disablement of the Life Assured before whose expiry the TPD benefit shall not be payable; Entry date: The date on which a person commences cover under this arrangement and shall mean the date on which the loan is disbursed by the Creditor to the Life Assured. Life Cover a. The amount advanced (or any outstanding balance thereafter) by the Creditor to the Life Assured and for which application the Credit Life benefit is made; and shall include the capital amount, finance charges, and premium payable for this benefit; b. The outstanding amount in the Life Assured s Loan Account at the date of the Life Assured s death OR not later than 30 days after the date of death shall be paid by ELAC to the Creditor to settle the Life Assured s debt due; c. ELAC must be advised of all claims within six (6) months of the Life Assured s Death; d. ELAC may request any additional documentation it may require to assess the validity of any claim submitted. Total Permanent Disability Cover (TPD) a) The TPD benefit shall become payable when the Life Assured becomes permanently unable to work in any occupation which the Life Assured is reasonable able to do, given his experience, education or training, because of an injury or illness; subject to the pre-
2 existing condition exclusions listed below and a deferred period of three months from the date of disablement; b) The TPD benefit shall be a lump sum payment of the outstanding loan amount in the Life Assured s Account at the date of disablement; c) In order for one to qualify for TPD benefit, the life assured must be certified by a qualified medical practitioner, recommended and recognized by ELAC, to be totally and permanently unfit to carry out his normal duties; d) A letter from the employer confirming that the individual has been off work due to a TPD will be required. e) TPD claims must be advised to the insurer for settlement soon after assessment by a doctor recommended by ELAC; any TPD claims submitted after 30 days from the date of assessment will not be admitted. Total Temporary Disability Cover (TTD) a) The TTD benefit shall become payable when the Life Assured becomes unable to work in any occupation which the Life Assured is reasonably able to do, given his experience, education or training, because of an injury or illness; b) The benefit shall commence from inception of the contract subject to the pre-existing condition exclusions listed below. c) When the TTD benefit becomes payable, it will cover a maximum of six monthly loan repayment installments as long as the life assured remains unfit to work for that period; the claim amount will be payable to the creditor. d) In order for the Life Assured to qualify for the TTD benefit, the Life Assured must be certified by a qualified medical practitioner, recommended and recognized by ELAC, to be unfit to carry out his normal duties for a minimum of 30 days. e) A letter from the employer confirming that the individual has been off work due to a TTD will be required. f) TTD claims must be advised to the insurer for settlement soon after assessment by a doctor recommended by ELAC and no later than 30 days after recovery; any TTD claims submitted after 30 days from date of recovery will not be admitted. g) In the event that TTD benefit is paid in respect of a Life Assured at any time during the duration of the TTD cover, the Life Assured shall be temporarily off the TTD cover for a duration of six months starting from the date when the last installment of the TTD benefit was paid. The cover shall automatically be reinstated upon expiry of the six months off- TTD cover period.
3 Retrenchment Benefit a) The retrenchment benefit shall become payable in the event of the Life Assured being retrenched and being without employment for a period exceeding 30 continuous days. This benefit shall only be payable to an assured who has been on the scheme for a minimum of twelve (12) months from when the assured joined the scheme.. ELAC shall reimburse the creditor with the monthly installment due under the credit agreement. b) The monthly installments payable shall be restricted to a maximum of 9 months payable monthly and this shall exclude arrears of installments and arrears of finance charges. c) This benefit is payable once in the life time of the facility d) Exclusions for the Retrenchment Benefit No benefits are payable: i. if the Life Assured is self employed or an employee of a family owned business and a member of the same family. ii. after the re-employment of the Life Assured or the expiry of the term of insurance or after 9 (Nine) monthly installments have been met, whichever occurs first. iii. in respect of unemployment occurring due to resignation or the acceptance of voluntary retrenchment ; the expiry of a non-renewable fixed term contract or a contract of temporary or casual nature; any form of retirement; fair or unfair dismissal in terms of the contract of employment. iv. if the claim is as a result of pregnancy, childbirth or abortion. v. if the Life Assured, the employer or the creditor was aware that the Life Assured were to be retrenched prior to the date that the facility was granted for which cover came into force. vi. if unemployment is due to fraud, dishonesty or any illegal conduct on the part of the Life Assured. vii. if the unemployment is directly or indirectly due to any sickness, disease, injury or medical condition viii. in respect of unemployment as a result of the Life Assured s participation in any strike action, labour disturbance, unrest, political activity, civil commotion, public disorder or riot. ix. If the claim has arisen from any exclusions relating to death or disability.
4 x. Where it is considered by ELAC that the Life Assured was not employed full time prior to becoming unemployed. General Policy Exclusions ELAC shall not be obliged to make any payment in respect of any condition or event arising directly or indirectly from or traceable to: a) intentionally self inflicted injury, suicide, or suicide attempt (whether sane or insane) within the first two years of the Life Assured s entry date; b) any act of war (whether war be declared or not), military action, terrorist activities, riots, strikes, civil commotion or insurrection; c) Any physical defect or infirmity of which the Life Assured was aware and which has its origin prior to the granting of the live cover to the Life Assured. This clause shall apply in the first six months of each and every individual policy; d) The Life Assured being affected (temporarily or otherwise) by alcohol or drugs other than as prescribed by a medical practitioner; e) The Life Assured committing any breach of criminal law; f) Active participation in mountaineering, horse riding, hunting, motor-racing, power boat racing or fighting (except in self defense); g) Participation in any form of aviation other than as a fare paying passenger or pilot on a scheduled air service over an established passenger route; Insurance related Fees & Premium Calculation a. Insurance Fee One time Insurance fee calculated as a percentage of the total loan amount shall be paid up front. Rate may be adjusted by ELAC and current rate is 1.66%. Insurance Premium = 1.46% x total loan amount (refundable upon early settlement) Insurance Processing Charge = 0.20% x total loan amount (non refundable) b. Refund of Premium A prorated refund of premiums will be made on early settlement of the loan as per calculations below. Refund Amount = (No of Months left on loan tenor/loan Tenor in Months) x (1.46% x Initial loan Amount)
5 c. The premium paid is a pure risk premium and the policy will not acquire a surrender value at the end of the term. All enquiries in respect of this policy should be addressed to Standard Chartered Bank Ghana Limited.
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