Credit Secure Benefit Details. CC 08/10 v1

Size: px
Start display at page:

Download "Credit Secure Benefit Details. CC 08/10 v1"

Transcription

1 Credit Secure Benefit Details CC 08/10 v1

2 Credit Secure is an invaluable insurance benefit, covering your credit card outstanding balance for a nominal monthly charge. In the event of Permanent Total Disability, Critical Illness or Death due to any cause (subject to the Exclusions stated below), the outstanding balance on your credit card is waived, without causing any inconvenience to your loved ones. It also provides Reimbursement of hospital expenses in the event of Accident, Payment of monthly installment in the event of Involuntary Loss of Employment or Temporary Total Disability. As a Standard Chartered Bank Credit Cardholder you can enjoy the benefits of Credit Secure Protection provided by Alico Insurance Company. We request you to go through the Cover details in order to understand thoroughly the extent and terms of the Cover offered.the Cover is provided by Alico Insurance and Standard Chartered Bank (the 'Bank') has no liability to you for Credit Secure coverage. This booklet is only a summary of the principal provisions of the master policy. SCHEME HIGHLIGHTS 24 hour cover for Credit Secure Easy enrolment No medical certificate is required Hospitalization subsequent to an accident for up to 60 days applicable worldwide Involuntary Loss of Employment benefit for a maximum of 6 months, applicable in UAE only or Temporary Total Disability benefit for a maximum of 6 months Low monthly rate of 0.99% of the total outstanding balance of the previous month's statement. The mentioned rate would be calculated on the sum of the current balance and any repayment facility balance. The Credit Secure amount charged would be reflected in the following month s statement. SUMMARY OF POLICY CONDITIONS OF MASTER POLICY NO. CL A nominal rate of 0.99% will be the total outstanding balance on each month's credit card statement. 2. The Cardholder may opt out of the scheme at any time. However, the Cardholder will only be allowed to re-join the scheme if he is approved by the Bank. 3. The cover under the policy is applicable only for Primary Cardholders and excludes Corporate Cards. However the outstanding balance on the supplementary card is also protected in case of death, permanent total disability, Accident, Critical Illness, Involuntary Loss of Employment * or Temporary Total Disability * of primary cardholder. 4. For cover under the policy the Cardholder should be aged between 18 to 65 years (ceasing at attaining the age of 65). 5. Death, Critical Illness, Permanent Total Disability, Accidental Medical Expenses and Temporary Total Disability covers are applicable worldwide. 6. Death or Disablement cover applies to any cause except those expressly excluded in terms of the policy (see below). 7. Involuntary Loss of Employment * applicable in UAE only 8. All the benefits payable under this policy shall be paid against the Cardholder's total outstanding balance on the credit card account with the Bank. 9. The Bank is not at any time considered as an agent of Alico Insurance Company, the 'Insurance Provider'. Any claims or contestations for any insurance coverage shall be negotiated directly with Alico Insurance Company, Dubai. 10. The Bank reserves the right, at any time, to change the terms, conditions, rates and/or reject, discontinue or cancel the Cover applicable without assigning reason. 11. Credit Card holder should be a resident in the UAE at the time of sourcing the Policy. The Credit Card holder shall be covered even in the instance where the Event of Claim occurred outside the UAE (except for ILOE cover which is restricted to the UAE). DEFINITIONS Accident shall mean a sudden, involuntary, violent and external event that directly and independently of disease, aging and degenerative conditions, results in visible bodily injury or death. Accidental Medical Expenses shall mean the expenses incurred by the Cardholder during hospitalization due to Accident during the currency of the Policy. Bank shall mean the Standard Chartered Bank, United Arab Emirates Critical Illness (CI) shall mean illnesses, the signs or symptoms of which first commenced more than 30 days following the respective Insured Credit Cardholder's Entry Date and shall include either the diagnosis of any of the illnesses or performance of any of the covered surgeries contained in the Benefit Schedule. Credit card shall mean the credit cards issued by the Policy holder to the primary or supplementary Credit Card holders. Credit Limit means the aggregate maximum debit balances permitted by the Bank on the Credit Card for the Primary Credit Card holder or the Supplementary Credit Card holders, if any, and notified to the Primary Credit Card holder from time to time. Credit card holders shall mean the persons who have been granted a Credit card and fulfill the Policyholder's Credit card requirements. Charges shall mean amounts payable by the Insured Credit card holder arising from the use of the credit card or the credit card number or the PIN or under the credit card agreement and includes without limitation all credit card transactions, fees, finance charges, additional expenses, damages, legal costs, and disbursements, which will be debited to the credit card and form part of the Current Balance. Commencement Date shall mean the date the Cardholder is enrolled for this policy by the Insured or the date of inception of this policy whichever is later. Company shall mean Alico Insurance Company Confinement: shall mean admission in a Hospital as an inpatient for a minimum period of one day as defined above upon the recommendation of a Physician for medically necessary treatment of a Covered Injury and continuous stay in the Hospital prior to his discharge. Confinement will be evidenced by a daily room/room & board charge by the Hospital. Current Balance shall mean the amount stated in the Statement of Account of the Insured Credit card holder as the 'Current Balance' being the total amount due from the Insured Credit card holder for the transactions shown on the Statement of Account. Date of Loss or Date of Event shall mean: (a) For claims under Death Benefit, the date of death of the Insured Credit card holder. (b) For claims under Permanent Total Disability Benefit, the date of diagnosis of total disability. It has to be certified by a Physician and approved by the Insurance Company as fulfilling the conditions herein for a disability claim. The Date of Loss for a disability claim shall not precede the Entry Date. (c) For claims under Accidental Medical Expenses, the date of accident of the Insured Credit card holder. (d) For claims under Involuntary Loss of Employment, the date of termination of employment

3 (e) For claims under Temporary Total Disability Benefit, the date of diagnosis of temporary disability. It has to be certified by a Physician and approved by the Insurance Company as fulfilling the conditions herein for a disability claim. The Date of loss for a disability claim shall not precede the Entry Date. Day shall mean a period of 24 consecutive hours for which the Insured is confined as an inpatient in a Hospital and for which a hospital room and board or Intensive Care Unit (ICU) charge is made. Eligible Credit card holders shall mean Credit card holders who have met the eligibility requirements set forth in this Policy. Entry Date shall mean the effective date of coverage of Insured Credit card holders hereunder, which shall be the Policy Date or the date of them becoming Eligible Credit card holders, whichever is later. Hospital shall mean an institution licensed as a hospital and operated for the care and treatment of sick and injured persons, which institution provides 24-hour nursing care and has facilities for both diagnosis and except in the case of a hospital primarily concerned with treatment of chronic diseases, for major surgery. The term hospital shall not be construed to include a hotel, rest home, nursing home, convalescent home, place for custodial care, home for the aged, or a place used primarily for the confinement or treatment of drug addicts or alcoholics. Indebtedness shall mean the total amount outstanding payable by the cardholder arising from use of the Credit Card Facility including without limitation all Credit Card transactions, fees, finance charges, additional expenses, damages, legal costs and disbursements, which will be debited to the Credit Card and form part of the Current Balance as on the Date of Event subject to a maximum of the Cardholder's credit limit. Insured Credit card holders shall mean Eligible Credit card holders who, in accordance with the provisions of this Policy, are participating in the Insurance Plan under this Policy and who have fulfilled the automatic enrollment and did not choose to opt out. Installment shall mean the minimum amount due as defined in the Policyholder's general terms and conditions for the Credit card(s). Intensive Care Unit (ICU): one to one nursing care received in a hospital unit in which patients undergo specialized resuscitation, monitoring and treatment procedures. The unit must be staffed 24 hours a day with highly trained nurses, technicians and doctors, and be equipped with resuscitative equipment and monitoring devices that allow continuous assessment of vital body functions such as heart rate, blood pressure and blood chemistry. Involuntary Loss of Employment (ILOE): ILOE shall mean the unemployment of the insured credit card holder in the UAE arising out of the unilateral decision of the employer to terminate his employment contract for any reason other than those mentioned under exclusions in the policy. Medical Expenses shall mean all expenses incurred by the cardholder during hospitalization in respect of doctors (including general practitioners and specialists even if consulted for a second opinion), prescribed medicines, x-ray and all hospital and ward fees and expenses. Outstanding Balance The Outstanding Balance means the Current Balance owed to the Policyholder as stated in the Statement of Account of the Insured Credit card holder. The Outstanding balance is frozen on one given date called Date of Loss in order to exclude from insurance benefit calculations any use of the Credit card after the occurrence of the Claim. Permanent Total Disability (PTD) shall mean disability from bodily injury, Sickness or disease so as to prevent the Insured Credit card holders from performing any kind of work, occupation or profession for compensation, profit or gain for the remainder of his lifetime. Policy shall mean this agreement, any supplementary contracts or endorsements herein, any amendments hereto signed by the Insurance Company and the Policyholder and Summaries of cover, which shall together constitute the entire contract between the parties. Policy Year shall mean a period of twelve (12) consecutive months beginning with the Policy Date and subsequent Policy Anniversary. Pre-existing Condition shall mean illness, disease or sickness occurring or manifesting prior to the Commencement Date, for which advice or treatment was sought or obtained from a medical practitioner, chiropractor, naturopath, or any other practitioner of a similar kind within twelve months immediately prior to the Commencement Date. Pronouns: Masculine pronouns used in this Policy shall include both masculine and feminine gender unless the context indicates otherwise. Sickness shall mean any pathological state or state of abnormal function of bodily organs of the Insured, not caused by an accident, and objectively diagnosable. Statement of Account shall mean the monthly statement issued by the Policyholder to the primary Credit card holder of Charges made on his credit Card. Summary of Cover shall mean the accurate information about the Policy that must be provided by the Policyholder to every Insured Credit card holder. This information shall describe thoroughly the provisions, terms and conditions of the Policy as to be well understood by the Insured Credit card holders. The wording of the Summary of Cover is prepared by the Insurance Company. Temporary Total Disability (TTD) - shall mean insured Credit Cardholder s total and temporary disability to perform his own work as a result of accidental bodily injury, sickness or disease. The state of TTD will be exclusively recognized by a physician designated by the Insurance Company. SCOPE OF COVER 1. Death Benefit 2. Permanent Total Disability Benefit 3. Accidental Medical Expenses 4. Critical Illness Benefit 5. Involuntary Loss of Employment, or 6. Temporary Total Disability Death Benefit if an Insured Credit card holder dies due to Sickness or Accident, the Insurance Company will, upon receipt of due proof in writing of the Death of the Credit card holder, pay the Outstanding Balance on the credit card, up to a maximum of AED 100,000, to the Policyholder. The Policyholder will subsequently allocate payments to the eligible Cardholders credit card accounts. Permanent Total Disability (PTD) If an Insured Credit Card holder becomes permanently and totally Disabled as defined in this Policy, the Insurance Company will pay the Outstanding Balance on the credit card, up to a maximum of AED 100,000, to the Policyholder. The Policyholder will subsequently allocate payments to the eligible Cardholders credit card accounts.

4 The Insured Credit card holder must be able to justify a registered occupation, whether employed or self-employed, on the first day of the Sickness or on the date of the Accident, according to the cause of the PTD. The state of PTD shall be established based on a detailed medical report from a registered and reputable treating physician of a Hospital or Clinic. The Company reserves its right to seek a second opinion at its own cost in the above case. There must be a minimum consolidation period of 6 continuous months of total disability before a PTD claim can be reported to the Policyholder and recognized. However, in case of total and irrevocable loss of sight of both eyes, or of the loss by severance of two or more limbs (at or above wrist or ankle), the consolidation period of 6 months can be waived and the state of PTD be recognized immediately. The Insured Borrower shall have to provide the Insurance Company with the evidence that he was carrying an officially registered occupation on the commencement of his Total Disability. Accidental Medical Expenses (AME) If an Insured Cardholder is hospitalised directly resulting from an accident occurring anywhere in the world, the Insurance Company shall reimburse AED 200 per day towards the in-patient treatment for up to 60 days of hospitalisation. Critical Illness (CI) If a Credit Cardholder is diagnosed having one of the stated Critical Illnesses as defined in this Policy, the Insurance Company will, upon receipt of due proof in writing of the diagnosis of the Critical Illness, pay the Outstanding Balance on the credit card as at the claim date, of up to AED 100,000, to the to the Policyholder. The Policyholder will subsequently allocate payments to the eligible Cardholders credit card accounts. This benefit cannot be cumulated with any other benefit under the Policy/Cover. The benefit payment is subject to a waiting period of 30 days continuously. The waiting period is calculated from the first day of diagnosis of the Critical Illness. No benefit is paid for the first 30 days. No Critical Illness benefit is paid if death occurs within these 30 days from the claim date (i.e. the claim may be paid therefore as a Life claim). The benefit payment is subject to a deferral of coverage period of 90 days continuously. The deferral of coverage period is calculated from the entry date. If the claim takes place within these 90 days, the claim is automatically turned down. The Covered diseases are: Cancer: a malignant tumour characterised by the uncontrolled growth and spread of malignant cells and the invasion of the tissue. This includes leukaemia (except chronic lymphocytic leukaemia), lymphomas and malignant melanomas, but excludes non-invasive cancers in situ, all skin cancers and tumours in the presence of a human-immune-deficiency virus. Heart attack: the death of a portion of heart muscle as a result of inadequate blood supply, which must occur with prolonged chest pain, new electro cardio graphic changes and an elevation in cardiac enzyme levels. Kidney failure: end stage renal disease due to chronic irreversible failure of both kidneys to function as a result of which the person insured must be required to undergo regular peritoneal dialysis or haemodialysis or renal transplantation. Stroke: any cerebrovascular incident producing neurogical sequel lasting more than 24 hours and including infarction of brain tissue, haemorrhage from an intra cranial vessel and embolisation caused by an extra cranial source. Evidence of permanent neurological deficit must be produced. Transient ischaemic attacks are specifically excluded. Coronary artery disease requiring surgery: open heart surgery undergone to correct narrowing or blockage of two or more coronary arteries by the use of saphenous vein grafts or internal mammary grafting, but excluding all non-surgical procedures such as balloon angioplasty or laser techniques. Angiographic evidence of the underlying disease must be provided. Major organ transplantation: the actual undergoing as a recipient of a transplant of a heart, lung, liver, pancreas or bone marrow. Multiple sclerosis: unequivocal diagnosis of multiple sclerosis made by a consultant neurologist holding such an appointment at a major hospital. The claimant must exhibit neurological abnormalities that have existed for a continuous period of at least 6 months or have had at least one relapse of such abnormalities. The typical symptoms of demyelination and impairment of motor and sensory function must evidence this. Involuntary Loss of Employment (ILOE) - applicable for salaried customers only If an Insured credit card holder loses employment (as defined in the policy), the Insurance company will pay to the Policyholder one monthly minimum payment due as set out in the previous month's credit card statement of account for each period of 30 days of unemployment after the waiting period. Only unemployment arising in UAE and according to a UAE contract of employment can be covered. ILOE insurance shall be subject to a deferral of coverage period of 90 days accounted only once from the date of enrolment in the policy. A claim shall be automatically turned down if redundancy or dismissal is notified to the insured credit cardholder within these 90 days. The benefit payment shall be subject to a waiting period of 30 days continuously applicable to each and any ILOE claim. The waiting period is calculated from the first day of ILOE commencement. No benefit shall be paid for the first 30 days. The benefit payment terminates at the earliest of the following dates: if the claim is no longer justified as required, in case of Death/Disability, when the card holder resumes work (even if it is only a part-time work), on the date of retirement or early retirement, when the maximum benefit payment term is reached, on the maximum age at claim date, when the credit card is cancelled, When the maximum benefit payment term of 3 monthly installments has been reached for any one claim; or 6 monthly installments in aggregate for several ILOE claims during the period of coverage. The period of coverage is renewed every year with the renewal of the contract between Alico and the policyholder. when the insured card holder no longer claims the Tanmia unemployment benefit (applicable to UAE Nationals only) if insured does not have a valid UAE/Gulf resident or employment visa (ex-pats), (Insured staying during the grace period post cancelation will be considered for the claim)

5 There must be at least 6 months of continuous employment after the term of a first claim for which benefits have been paid to re-qualify for a new one. In this event only, these 6 months can be achieved either under a permanent contract of employment, or under a temporary or a fixed term contract. To report a claim, the insured card holder must meet the following conditions: o Being less than 65 years old on the notification of unemployment, o 6 continuous months of permanent gainful contract of employment of not less than 30 hours per week with the same employer in the private/public sector prior to the claim date [selfemployed are not entitled to claim under this ILOE coverage](*), o being unemployed as a consequence of redundancy or dismissal (other than due to a reason of misconduct), ( ) the eligibility to ILOE depends on conditions that have to be met on the claim date, irrespective of what the occupation of the card holder was when he applied for insurance. Maximum benefit payment will be 3 monthly installments per ILOE claim or 6 monthly installments in aggregate for several ILOE claims during the period of coverage. Temporary Total Disability (TTD) - applicable for self employed customers only If an Insured Credit Cardholder becomes Temporary and Totally Disabled as defined in this policy, the Insurance will pay to the Policyholder one monthly installment for each period of 30 days of proved TTD after the waiting period of 60 days, subject to a maximum of 6 months. No benefit is paid for the first 60 days. The benefit payment terminates at the earliest of the following dates: when the claim is no longer justified as required from a medical point of view, in case of death or PTD of the insured Credit Cardholder, on the 65th birthday of the insured Credit Cardholder, when the insured is able to resume work (even if only partially), in case of retirement, including early retirement when the maximum number of TTD benefit payments are settled.,when the maximum benefit payment term of 6 monthly installments has been reached for any one claim during the period of coverage. The period of coverage is renewed every year with the renewal of the contract between Alico and the Policyholder. The insured credit cardholder has to justify that: He was carrying a registered occupation on the first day of disability and was not disabled on the first day of enrolment hereunder, whether under a permanent gainful contract of employment (or under a fixed term contract of employment,) or self employed He had to stop working totally as a result of sickness or accident and that he is still unable to resume work when the claim is reported. In case less than 2 months are elapsed between two TTD claims, the two claims are assumed to make only one (but the waiting period is not applied then to the second TTD claim occurred). SUMMARY OF POLICY EXCLUSIONS 1. Any Death, Disability or illness caused by or resulting, directly or indirectly, wholly or partly, from any of the following factors will not be covered by this insurance: a) Illness occurring within 30 days of the commencement date; or b) Illness due to pre-existing condition but this exclusion shall not apply in respect of Death occurring after a continuous period of 6 months from the Commencement Date in respect of the particular Cardholder. However, this exclusion is applicable only if the Company is able to substantiate 'pre-existing condition' within 1 month from the date of submission of all required claims documentations to the Company; or c) Death by suicide during the first 12 months from date of joining the scheme; or d) Self-destruction or self-inflicted injury, while sane or insane; or e) Normal pregnancy, childbirth, abortion or miscarriage, or any complications thereof ;or f) Chronic alcoholism or, abuse of alcohol or, abuse or addiction to drugs; or g) Civil war, war, invasion or warlike operations, act of foreign enemy, hostilities, revolt, mutiny, riots, strike, civil commotion, rebellion, revolution, insurrection, acts of terrorism to such a degree and extent of the involvement or engagement of the Insured in these conditions without any cause; or h) Participation in any professional sport or any sport involving a motor engine (including rallies), boxing, scuba / skin diving, parachuting or hang ñ gliding, horse racing and mountain climbing or i) Military Service in the Armed Forces or Security Forces of any country or any authority; or j) The condition of Acquired Immune Deficiency Syndrome (AIDS), as defined below, or any AIDS Related Illness or virus HIV; or k) The commission of or attempted commission of an assault or any unlawful act, or being engaged in any illegal activity or felony. l) Any accident occurring on or in or about any aircraft other than an aircraft in which the Cardholder was travelling as bonafide passenger and which is operated by a licensed commercial or chartered airline. However this exclusion is not applicable to Cardholders who are air crew and pilots of airlines unless the event occurs in or on or about any aircraft. 2. And specifically, regarding Critical Illness: Same as for Death & PTD plus critical illness which is diagnosed or undergone during the deferral of coverage period, critical illness which the Insured Credit Cardholder was known to have suffered, or surgery which has been diagnosed as being required or has been undergone, prior to the application date (the suffering or undergoing of a heart attack, coronary artery disease requiring surgery, heart transplant or stroke is considered to be the same condition), critical illness or surgery which arises directly or indirectly from any condition from which the Credit Cardholder was known to be suffering prior to the application date, 3. And specifically regarding Hospitalization, the consequences of: Motor cycling as a driver or passenger on machines with more than 150 cc engine capacity or as a driver if the cardholder does not have a valid motor cycle license; or Mountaineering or rock climbing that uses ropes or guides, bungee jumping, scuba diving, pot holing or organized team sports. 4. And specifically, regarding TTD: same as for Death & PTD, plus any mental condition, including but not limited to nervous breakdown, depression, anxiety or other stress related condition, backache and related conditions, unless there are definite clinical findings, such as radiological medical evidence of abnormality. 5. And specifically, regarding ILOE: same as for TTD, plus ILOE which is notified during the deferral of coverage period, The severance or the natural expiry of a fixed term contract of

6 employment or of an interim contract, Early retirement, If the insured credit cardholder is not able to claim the Tanmia unemployment benefit (for UAE Nationals only), Dismissal or redundancy when the employer is a next of kin of the claimant, or when the claimant is a shareholder of the company or a member of its board, Resignation or voluntary redundancy, including cases of rejection of other suitable job in company due to organizational changes, Self-employment, When the insured no longer holds a valid UAE/Gulf Residency or Employment Visa (expatriates) Dismissal by reason of misconduct, strikes, lockouts or other organized labor disputes or any unlawful acts, partial, seasonal or casual employment, Emiratization TERMINATION OF INSURANCE The insurance of an individual shall automatically terminate at the earliest time below: 1) The Insured Credit card holder reaches age 65 or Critical Illness; or 2) Upon payment of the Death or Permanent Total Disability Benefit; or 3) Upon cancellation by the Policyholder of the Credit Card agreement of the Insured Credit card holder, whatever the reason; or 4) If the Credit Card agreement is not renewed, or early terminated, by the Insured Credit card holder; or 5) Credit Card holder ceases to be enrolled in the insurance program; or 6) Cancellation of the Policy; or 7) The transfer of the Insured Credit card holder's indebtedness to another person; or 8) The failure of the Policyholder to collect premium from the Insured Credit card holder; or 9) The date on which payment of the Installment under the Credit Card become overdue by 180 days or a complaint or suit is filed with regard to non-payment or the Credit Card Holder is declared as absconding or a judgment is entered in any court with respect to his indebtedness under the Credit Card. 10) If the Credit Card holder so chooses to do so, he/ she can opt out of the insurance program during the first 14 days of enrollment and have the entire initial paid premium refunded. GOVERNING LAW The provisions and terms of this policy shall be construed in accordance with the laws applicable in the United Arab Emirates and the UAE courts shall have the sole jurisdiction in respect of any controversy / dispute arising there from. CLAIMS PROCEDURE 1. Upon happening of an event giving rise to a claim under the policy, the Cardholder / Cardholder's Legal Representatives shall follow the following procedure: (i) Give immediate written notice to the Company but not later than 60 days from the Date of Event; In the event of accidental hospitalization the company should be notified within 48 hours from the time of event. (ii) The Cardholder or the Cardholder's legal representative shall complete the standard claim form issued by the Company and submit the same with such evidence to substantiate the claim to the satisfaction of the Company as the Company may reasonably require; (iii) The Cardholder or the Cardholder's legal representative shall submit the following documents (and any additional documentation that may be requested by the Claims Department of the Insurance Company).: for Death Claims Death Certificate. Post Mortem Report (wherever legally required). Police Report (in case of accidental death). Medical Report from an authorized medical practitioner with Detailed Diagnosis and Cause of Death if required by the Company when Actual Cause of Death is not clearly mentioned in the Death Certificate. Copy of Passport with Visa page. for Temporary and Permanent Total Disability Claims' Disability Certificate from an authorized medical practitioner to assess disability. Police Report (if disability is due to an accident). Medical Report from an authorized medical practitioner with Detailed Diagnosis, Cause of Disability and Details of Treatment given. Copy of Passport with Visa page. for Accidental Medical Expenses Claims Certificate of Insurance and Declaration form Police Report (if any) Medical Report Discharge Summary with the final invoice. Any other documents as may be required for Critical Illness Claims Medical report (from an Authorized Medical Practitioner) diagnosing critical illness Police report (if critical illness is due to an accident) Copy of passport with visa page. All documents as indicated above may be required to be produced in original (other than those surrendered to the authorities or the Employer) for verification before the final settlement of claim. for Involuntary Loss of Employment Claims' A letter by means of which dismissal or redundancy was notified to the insured credit cardholder by his employer, including the date, the cause and the effective date of dismissal. UAE Nationals shall furthermore provide A certificate of registration of unemployment with Tanmia Evidence that no payment of allowances for total unemployment has been made by Tanmia. In respect of any of the above claims, Alico insurance company reserves the right to request any additional documents which may be reasonably required. CONTACT INFORMATION For any queries please call Standard Chartered Bank Phone banking at

Loan Shield Insurance 02/2011. www.standardchartered.ae

Loan Shield Insurance 02/2011. www.standardchartered.ae Loan Shield Insurance 02/2011 www.standardchartered.ae Loan Shield Insurance is an invaluable insurance benefit, covering your Personal Loan outstanding balance for a nominal monthly charge. In the event

More information

Certificate of Insurance

Certificate of Insurance Credit Shield Plus Certificate of Insurance Certificate of Insurance This is to certify that you are covered under this Group Credit Life Policy # 44695-00000 (the Master Policy) issued to Citibank UAE

More information

CREDIT SHIELD PLUS TERMS AND CONDITIONS

CREDIT SHIELD PLUS TERMS AND CONDITIONS CREDIT SHIELD PLUS TERMS AND CONDITIONS 1. What is Credit Shield Plus (CSP)? Credit Shield Plus (CSP) is an optional insurance cover that you can apply for if you have an HSBC Credit Card issued by HSBC

More information

Certificate of Insurance

Certificate of Insurance Credit Plus Certificate of Insurance and Terms & Conditions Certificate of Insurance This is to certify that you are covered under Group Credit Life. Policy # 44774 signed between MetLife Alico and Citibank

More information

Certificate of Insurance

Certificate of Insurance Certificate of Insurance For Salaried Primary CreditCard Holders Only This is to certify that you are covered under this Group Credit Life Policy Policy Lifestyle Protect # CL-27 (the Master Policy) issued

More information

Certificate of Insurance

Certificate of Insurance Credit Shield Insurance Terms and Conditions Certificate of Insurance Provided by MetLife Alico In association with AMEX (Middle East) B.S.C.(c) We welcome you as AMEX Credit Card Holder to enjoy the benefits

More information

Mortgage Shield-Life Terms and Conditions. www.standardchartered.ae

Mortgage Shield-Life Terms and Conditions. www.standardchartered.ae Mortgage Shield-Life Terms and Conditions www.standardchartered.ae 06/2012 We welcome you as a Standard Chartered Bank Mortgage Loan Borrower to enjoy the benefits offered under the Mortgage Shield-Life

More information

Terms and Conditions for Credit Life on Small Business and Small Business Owner Loans. Definitions

Terms and Conditions for Credit Life on Small Business and Small Business Owner Loans. Definitions Terms and Conditions for Credit Life on Small Business and Small Business Owner Loans Definitions For the purpose of this policy, the following definitions shall apply unless the context otherwise requires:

More information

CERTIFICATE TERMS AND CONDITIONS

CERTIFICATE TERMS AND CONDITIONS CERTIFICATE TERMS AND CONDITIONS We, us, our or Industrial Alliance means Industrial Alliance Insurance and Financial Services Inc. ( Industrial Alliance ). You or your means the Insured. We agree, under

More information

Al Khalij Commercial Bank (al khaliji) Q.S.C. Asia Street 60, West Bay P.O.BOX 28000, Doha STATE OF QATAR

Al Khalij Commercial Bank (al khaliji) Q.S.C. Asia Street 60, West Bay P.O.BOX 28000, Doha STATE OF QATAR Al Khalij Commercial Bank (al khaliji) Q.S.C. Asia Street 60, West Bay P.O.BOX 28000, Doha STATE OF QATAR Detailed Policy Terms & Conditions of GROUP CREDIT LIFE INSURANCE SCHEME Issued by Q Life & Medical

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

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

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

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

Credit Shield Terms and Conditions

Credit Shield Terms and Conditions Credit Shield Terms and Conditions Definitions Accident: means where the bodily injury is caused solely and directly by external violent means is unexpected, unforeseeable and not attributable to the Cardmember

More information

CREDITSURE PLUS MASTER POLICY NO. CL100002

CREDITSURE PLUS MASTER POLICY NO. CL100002 CREDITSURE PLUS MASTER POLICY NO. CL100002 Certificate of Nomination Credit Card Facility / Unsecured Credit Facility EXTENT OF COVER DEATH, TOTAL & PERMANENT DISABILITY, TERMINAL ILLNESS AND TOTAL & TEMPORARY

More information

Expect to understand your Tailored Loan Coverage

Expect to understand your Tailored Loan Coverage Expect to understand your Tailored Loan Coverage POLICY WORDING The following is a Summary and Guide to the provisions of the Master Policy between Sovereign Assurance Company Limited (Sovereign) and TSB

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

Pay Protect Lite Terms and Conditions

Pay Protect Lite Terms and Conditions Protection you can count on: Benefits Coverage (All amounts in AED) Death Pay-off your outstanding Mashreq Bank credit card account balance up to a maximum of AED 50,000 in the event of your demise Involuntary

More information

Loan Protection Insurance product disclosure statement and insurance policy

Loan Protection Insurance product disclosure statement and insurance policy product disclosure statement and insurance policy Preparation date: 30 November 2007 Insurer and issuer: Swann Insurance (Aust) Pty Ltd ABN 80 000 886 680 AFS Licence No. 238292 Table of contents This

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

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

DEFINITIONS. United Arab Bank P.J.S.C. - Mortgage Loan Shield - Customer Communication Page 1 of 6

DEFINITIONS. United Arab Bank P.J.S.C. - Mortgage Loan Shield - Customer Communication Page 1 of 6 We welcome you as United Arab Bank P.J.S.C., Mortgage Loan Borrower to the benefits offered under this Mortgage Loan Shield Insurance Plan. We request you to go through the Plan details in order to understand

More information

Certificate of Insurance Walmart MasterCard card Balance Protection Plan

Certificate of Insurance Walmart MasterCard card Balance Protection Plan Important Information about Walmart MasterCard card Balance Protection Plan Certificate of Insurance Walmart MasterCard card Balance Protection Plan Policyholder: Walmart Canada Bank ( Walmart Canada Bank

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questions TRA/12/13-14/6537 Dec 30 th 2013 Prepared by Product Management 1 For Internal Training and Circulation only Contents BSLI Waiver of Premium Rider Plan Summary... 3 1. What is

More information

B. The policy doesn't cover the total disability resulting from any of the above mentioned cases in addition to the following exclusions:

B. The policy doesn't cover the total disability resulting from any of the above mentioned cases in addition to the following exclusions: Benefits and Conditions for Group Life Term Insurance for Citi Bank Customers (Credit Shield Plus) Issued by Pharaonic American Life Insurance Company (Herein called the Company) SUMMARY OF THE BENEFITS

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

Term Life Policy Wording

Term Life Policy Wording Term Life Policy Wording Term Life Policy Wording 1. Your Policy important 2. About the Policy 3. Policy Definitions 4. What you are insured for 5. Other Terms and Conditions 6. Policy Exclusions 7. How

More information

Loan Protection Insurance

Loan Protection Insurance Product Disclosure Statement and insurance policy Preparation date: 15 September 2011 Insurer: Swann Insurance (Aust) Pty Ltd ABN 80 000 886 680 AFS Licence No. 238292 Life and CashAssist Insurer: National

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

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

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

LifeCare April 2009. Policy. Part 1 Terms and Conditions which apply to all parts. General Terms and Conditions. 1.7 Reinstatement

LifeCare April 2009. Policy. Part 1 Terms and Conditions which apply to all parts. General Terms and Conditions. 1.7 Reinstatement General Terms and Conditions LifeCare April 2009 Policy The Insurer, BNZ Life Insurance Limited ( BNZ Life ), will insure the Insured for the Benefits in the Schedule in accordance with this Policy. Part

More information

Mortgage Repayment Protection Policy

Mortgage Repayment Protection Policy Mortgage Repayment Protection Policy Content 1. Introduction 4 2. Definitions 5 3. Insurance Benefits 8 4. General Exclusions 11 5. Terms and Conditions 12 6. Consumer Information 14 1. Introduction This

More information

Life & Living Insurance. Policy wording

Life & Living Insurance. Policy wording Life & Living Insurance. Policy wording What s Inside Here. 1. Welcome 1 2. General conditions 3 3. About your cover 5 3.1. Life Account 5 3.2. Living Account 6 3.3. Living + Benefits 14 3.4. Automatic

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

Life Insurance. Policy Wording

Life Insurance. Policy Wording Life Insurance Policy Wording 1 The Policy This Policy Wording, the Policy Schedule and any documents outlining special terms (this Policy) describe the insurance contract between the Policy Owner and

More information

ANZ Credit Card Repayment Insurance

ANZ Credit Card Repayment Insurance ANZ Credit Card Repayment Insurance POLICY DOCUMENT EFFECTIVE 17 MARCH 2015 Contents ANZ Credit Card Repayment Insurance 4 Benefits what you are insured for 7 Exclusions what you are not insured for 13

More information

Group Critical Illness

Group Critical Illness Group Critical Illness Standard Terms and Conditions Introduction This document sets out the standard terms and conditions governing the Generali Worldwide Insurance Company (referred to as we or us from

More information

METROPOLITAN LIFE INSURANCE COMPANY 200 PARK AVENUE, NEW YORK, NEW YORK 10166-0188

METROPOLITAN LIFE INSURANCE COMPANY 200 PARK AVENUE, NEW YORK, NEW YORK 10166-0188 METROPOLITAN LIFE INSURANCE COMPANY 200 PARK AVENUE, NEW YORK, NEW YORK 10166-0188 POLICYHOLDER: NORFOLK PUBLIC SCHOOLS Group Policy Form No: GPNP04-CI (Referred to herein as the Group Policy ) Certificate

More information

Cancer Insurance. Provides Lump Sum Benefits For First Diagnosis of Cancer. Loyal American Supplemental Series SM

Cancer Insurance. Provides Lump Sum Benefits For First Diagnosis of Cancer. Loyal American Supplemental Series SM Loyal American Supplemental Series SM Cancer Insurance Provides Lump Sum Benefits For First Diagnosis of Cancer Including Our Cancer Recurrence Benefit And Options for Added Flexibility LOYAL-7-0001-BRO-GN

More information

Life & Living Insurance. Policy wording

Life & Living Insurance. Policy wording Life & Living Insurance. Policy wording What s Inside Here. 1. Welcome 1 2. General conditions 3 3. About your cover 4 3.1. Life Account 4 3.2. Living Account 6 3.3. Living Benefits 13 3.4. Automatic annual

More information

ANZ Personal Loan Insurance POLICY DOCUMENT EFFECTIVE 6 JUNE 2015

ANZ Personal Loan Insurance POLICY DOCUMENT EFFECTIVE 6 JUNE 2015 ANZ Personal Loan Insurance POLICY DOCUMENT EFFECTIVE 6 JUNE 2015 Contents Welcome 1 Financial strength rating 1 Introduction 1 Purpose 1 This Policy 2 Important 2 30 day free-look period 2 Policy Ownership

More information

LIMITED BENEFIT HEALTH COVERAGE FOR SPECIFIED CRITICAL ILLNESS. OUTLINE OF COVERAGE (Applicable to Policy Form CI-1.0-NC)

LIMITED BENEFIT HEALTH COVERAGE FOR SPECIFIED CRITICAL ILLNESS. OUTLINE OF COVERAGE (Applicable to Policy Form CI-1.0-NC) COLONIAL LIFE & ACCIDENT INSURANCE COMPANY 1200 Colonial Life Boulevard, P.O. Box 1365, Columbia, South Carolina 29202 1.800.325.4368 www.coloniallife.com A Stock Company LIMITED BENEFIT HEALTH COVERAGE

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

Sales Literature Group Term Plan CANARA HSBC ORIENTAL BANK OF COMMERCE LIFE INSURANCE COMPANY LIMITED

Sales Literature Group Term Plan CANARA HSBC ORIENTAL BANK OF COMMERCE LIFE INSURANCE COMPANY LIMITED About Us Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited is a Company formed jointly by three leading financial organizations - Canara Bank and Oriental Bank of Commerce, two of India's

More information

The Independent Order Of Foresters ( Foresters ) Critical Illness Rider (Accelerated Death Benefit) Disclosure at the Time of Application

The Independent Order Of Foresters ( Foresters ) Critical Illness Rider (Accelerated Death Benefit) Disclosure at the Time of Application The Independent Order of Foresters ( Foresters ) - A Fraternal Benefit Society. 789 Don Mills Road, Toronto, Canada M3C 1T9 U.S. Mailing Address: P.O. Box 179 Buffalo, NY 14201-0179 T. 800 828 1540 foresters.com

More information

EMPLOYEE BENEFITS LIFE INSURANCE PLAN

EMPLOYEE BENEFITS LIFE INSURANCE PLAN EMPLOYEE BENEFITS LIFE INSURANCE PLAN AXA China Region offers:- Security for the dependants of your employees Low cost life insurance cover Benefit payable for death from any cause Competitive rates Efficient

More information

Exclusive to IBA members. Income Protection Insurance. Terms & Conditions

Exclusive to IBA members. Income Protection Insurance. Terms & Conditions Exclusive to IBA members Income Protection Insurance Terms & Conditions Contents 1. Introduction 3 2. Eligibility 3 3. Important Notes 3 4. Changing Level of Benefit/Circumstances 4 5. Benefit Limits 4

More information

SUPPLEMENTARY GROUP PERSONAL ACCIDENT POLICY

SUPPLEMENTARY GROUP PERSONAL ACCIDENT POLICY SUPPLEMENTARY GROUP PERSONAL ACCIDENT POLICY WHEREAS the Policyholder named in the Policy hereto has by signed proposal and declaration (hereinafter called Group Application Form ) has applied to MCIS

More information

METROPOLITAN LIFE INSURANCE COMPANY NEW YORK, NEW YORK

METROPOLITAN LIFE INSURANCE COMPANY NEW YORK, NEW YORK METROPOLITAN LIFE INSURANCE COMPANY NEW YORK, NEW YORK POLICYHOLDER: Group Policy Form No: GPNP12-AX (Referred to as the Group Policy ) Certificate Form No: GCERT12-AX (Referred to as the Certificate )

More information

SBI Life Insurance Company Limited

SBI Life Insurance Company Limited SBI Life Group Rider Accelerated Core Critical Illness (UIN: 111B011V02) This document lists the benefits, conditions and exclusions applicable to the rider that can be attached to the product SBI Life

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

SUMMARY OF AMEX ACCOUNT PROTECTOR ULTIMATE INSURANCE

SUMMARY OF AMEX ACCOUNT PROTECTOR ULTIMATE INSURANCE SUMMARY OF AMEX ACCOUNT PROTECTOR ULTIMATE INSURANCE Eligibility: You are eligible for enrollment if you are aged 18 and less than 70 and your account is approved. Your spouse is covered for the following

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

Allianz LifeCover Plus

Allianz LifeCover Plus Allianz LifeCover Plus Product Disclosure Statement and Policy Document. Preparation Date: 22 May 2013 Issued and Administered by Allianz Australia Life Insurance Limited ABN 27 076 033 782, Australian

More information

Group Personal Accident Insurance Product Summary Smartcare Shield (Private Education Institution)

Group Personal Accident Insurance Product Summary Smartcare Shield (Private Education Institution) Group Personal Accident Insurance Product Summary Smartcare Shield (Private Education Institution) Product Information This insurance plan will pay a lump sum benefit when the Insured Member sustains accidental

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

How To Pay For Critical Illness Insurance From The Ihc Group

How To Pay For Critical Illness Insurance From The Ihc Group You ve protected your family s financial future by purchasing life and health insurance. Critical Illness Insurance It s cash when you need it. You choose how to spend it. So you can focus on getting well.

More information

Critical Illness Coverage with Refund of Premium on Death

Critical Illness Coverage with Refund of Premium on Death Critical Illness Coverage with Refund of Premium on Death (10 or 20 year as per Insured application) Renewable Term to Age 65 (Gold, Silver or Bronze) Protection POLICY N O : EFFECTIVE DATE : INSURED :

More information

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;

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; 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

More information

TSB Bank Term Life with Crisis Cover

TSB Bank Term Life with Crisis Cover Expect to understand your Term Life with Crisis Cover Insurance POLICY WORDING TSB Bank Term Life with Crisis Cover Contents 1. Introducing your policy 1 2. What you re covered for 2 3. What you re not

More information

I.SBI Life Group Rider Accelerated Core Critical Illness (UIN:111B011V02)

I.SBI Life Group Rider Accelerated Core Critical Illness (UIN:111B011V02) SBI Life Sampoorn Suraksha Rider Policy Document I.SBI Life Group Rider Accelerated Core Critical Illness (UIN:111B011V02) 1. Standard Definitions 1.1. A Medical Practitioner is a person who holds a valid

More information

Life Insurance. Affirmative Age 18 to 80

Life Insurance. Affirmative Age 18 to 80 Life Insurance Affirmative Age 18 to 80 Affirmative Permanent Life Insurance of up to $25,000, with no medical exam If you re between the ages of 18 and 80, La Capitale s Affirmative product can give you

More information

MR PRICE GROUP LTD 360 DEGREE PROTECTION PLAN

MR PRICE GROUP LTD 360 DEGREE PROTECTION PLAN MR PRICE GROUP LTD 360 DEGREE PROTECTION PLAN Administered by V & A Risk Management (Pty) Limited VM Centre, 356 Pretoria Avenue, Randburg, 2001. Tel: 011 789 5885 Underwritten by Guardrisk Life Ltd Policy

More information

Future Generali India Life Insurance Company Limited. Registration No. 133

Future Generali India Life Insurance Company Limited. Registration No. 133 FUTURE GENERALI GROUP CORE CRITICAL ILLNESS ACCELERATED RIDER (UIN: 133B013V02) ADDENDUM TO FUTURE GENERALI GROUP TERM LIFE INSURANCE PLAN (UIN: 133N003V02) POLICY NO: POLICYHOLDER s NAME: In consideration

More information

Bajaj Allianz Life Insurance Company Limited Bajaj Allianz Group Accelerated Critical Illness Rider Part A FORWARDING LETTER As per Base Policy

Bajaj Allianz Life Insurance Company Limited Bajaj Allianz Group Accelerated Critical Illness Rider Part A FORWARDING LETTER As per Base Policy Bajaj Allianz Life Insurance Company Limited Bajaj Allianz Group Part A FORWARDING LETTER As per Base Policy PREAMBLE The Bajaj Allianz Group is an accelerated Rider Benefit attached with the base Policy.

More information

American Heritage Life Insurance Company

American Heritage Life Insurance Company Benefits Specified Critical Illness Benefit Primary insured: $25,000 The policy pays the following benefits for covered illnesses subject to the conditions below along with the Exclusions and Limitations

More information

Group Critical Illness Insurance

Group Critical Illness Insurance What can living with a critical illness mean to you? Daily out-of-pocket expenses for fighting the disease while still paying your bills! GROCERIES GROCERIES CAR HOME PRESCRIPTIONS HOME RESCRIPTIONS Group

More information

Protection For Your Mortgage

Protection For Your Mortgage Protection For Your Mortgage Protect What s Important Product Guide and Certificate of Insurance 592258(1115) Protection For Your Mortgage Protect What s Important Product Guide and Certificate of Insurance

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questions What is Secure Mind policy? Secure Mind offers unique feature that provides a lump-sum benefit on happening of the following unforeseen events 1) Diagnosis of any of the 9 named

More information

Term Critical Illness Insurance

Term Critical Illness Insurance Term Critical Illness Insurance PRODUCT GUIDE 5368-01A-JUL14 ASSUMPTION LIFE This document is a summary of the various features of Assumption Life's products. It is neither a contract nor an insurance

More information

Simply Smarter Life Insurance. Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement

Simply Smarter Life Insurance. Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement Simply Smarter Life Insurance Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement Budget Direct Life Insurance and Budget Direct Accidental Death Insurance

More information

Annexure E (ii) SUD Life Group Savings Linked Insurance Scheme

Annexure E (ii) SUD Life Group Savings Linked Insurance Scheme Sales Literature Group Insurance schemes are a cost effective way of insuring large groups of persons pursuing common interests or involved in similar occupations. The is a scheme which can insure both

More information

MemberCover Mortgage Repayment

MemberCover Mortgage Repayment Insurance MemberCover Mortgage Repayment Insurance (Interest Only) Product Disclosure Statement and Policy MemberCover Mortgage repayment insurance interest only mortgage product disclosure statement

More information

Critical Illness Insurance

Critical Illness Insurance You ve protected your family s financial future by purchasing life and health insurance. Critical Illness Insurance It s cash when you need it. You choose how to spend it. So you can focus on getting well.

More information

County of Santa Clara Physicians Faculty & Staff

County of Santa Clara Physicians Faculty & Staff LONG TERM DISABILITY INCOME PLAN UNDERWRITTEN BY: LIFE INSURANCE COMPANY OF NORTH AMERICA a CIGNA company CLASS 1 1/2004 County of Santa Clara Physicians Faculty & Staff FOREWORD Long Term Disability

More information

Group Critical Illness Insurance Provides lump-sum cash benefits that can help with daily expenses

Group Critical Illness Insurance Provides lump-sum cash benefits that can help with daily expenses What can living with a critical illness mean to you? Daily out-of-pocket expenses for fighting the disease while still paying your bills! GROCERIES CAR HOME PRESCRIPTIONS Benefit coverage for A Plus Benefits

More information

THE THINGs You were meant to. BENEFITS To HELP you. Cigna Supplemental Solutions Insured by Loyal American Life Insurance Company

THE THINGs You were meant to. BENEFITS To HELP you. Cigna Supplemental Solutions Insured by Loyal American Life Insurance Company Cigna Supplemental Solutions Insured by Loyal American Life Insurance Company Cash Advantage CRITICAL ILLNESS BENEFITS To HELP you ACCOMPLISH THE THINGs You were meant to LOYAL-3-0012-BRO-C-GN 3/28/14

More information

Critical Illness Direct

Critical Illness Direct Critical Illness Direct Insurance that pays you, not your provider A critical illness can strike suddenly and disrupt your daily life in ways that are both physical and financial. While it is important

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

NESS Super Insurance changes. NESS Super Insurance changes. NESS Super, we ve got you covered...

NESS Super Insurance changes. NESS Super Insurance changes. NESS Super, we ve got you covered... NESS Super Insurance changes NESS Super Insurance changes NESS Super, we ve got you covered... Insurance Guide Insured Benefits from 1 July 2013 1 Default Insurance cover This information should be read

More information

Your Guide to Express Critical Illness Insurance Definitions

Your Guide to Express Critical Illness Insurance Definitions Your Guide to Express Critical Illness Insurance Definitions Your Guide to EXPRESS Critical Illness Insurance Definitions This guide to critical illness definitions will help you understand the illnesses

More information

Employee Critical Illness Option

Employee Critical Illness Option ECIO Employee Critical Illness Option Financial Protection for the Unexpected Includes Cancer Benefit First Occurrence Additional Occurrence Reoccurrence Spouse Coverage Available Child Coverage at No

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

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

METROPOLITAN LIFE INSURANCE COMPANY NEW YORK, NEW YORK

METROPOLITAN LIFE INSURANCE COMPANY NEW YORK, NEW YORK METROPOLITAN LIFE INSURANCE COMPANY NEW YORK, NEW YORK POLICYHOLDER: Your Employer Group Policy Form No: GPNP14-CI (Referred to as the Group Policy ) Certificate Form No: GCERT14-CI (Referred to as the

More information

UNEMPLOYMENT OR INCOME-PROTECTION INSURANCE

UNEMPLOYMENT OR INCOME-PROTECTION INSURANCE UNEMPLOYMENT OR INCOME-PROTECTION INSURANCE You have applied for disability or unemployment protection with certain underwriters at Lloyd s. In return for the appropriate premium, this insurance will insure

More information

Quebec Endorsement Form Q.E.F. No. 34 Accident benefits insurance

Quebec Endorsement Form Q.E.F. No. 34 Accident benefits insurance Quebec Endorsement Form Q.E.F. No. 34 Accident benefits insurance The endorsement heading must be entered in the Declarations section of the insurance contract. Details required for the endorsement may

More information

Protection For Your Mortgage

Protection For Your Mortgage Protection For Your Mortgage Protect What s Important Product Guide and Certificate of Insurance 592258(0715) Protection For Your Mortgage Protect What s Important Product Guide and Certificate of Insurance

More information

Program Guide. >ŝĩğ^žƶƌđğ ŝƌğđƚ.com Now Provides Accident Protection

Program Guide. >ŝĩğ^žƶƌđğ ŝƌğđƚ.com Now Provides Accident Protection Program Guide >ŝĩğ^žƶƌđğ ŝƌğđƚ.com Now Provides Accident Protection Accident, Critical Illness, Cancer, Accidental Death & Dismemberment, Hospital Indemnity, Funeral Expense and Bereavement Counseling

More information

disability income insurance Protect your income in case of a disability

disability income insurance Protect your income in case of a disability disability income insurance Protect your income in case of a disability Did You Know? 3.8 million Canadians live with disabilities. That is 13.7 percent of our population. 1 There is a 1 in 3 chance that

More information

Lifecheque Basic Critical Illness Insurance

Lifecheque Basic Critical Illness Insurance Lifecheque Basic Critical Illness Insurance Strong. Reliable. Trustworthy. Forward-thinking. Extra help on the road to recovery Surviving a critical illness can be very challenging financially Few of us

More information

Core Super MySuper. Insurance & Other Important Information 3 August 2015

Core Super MySuper. Insurance & Other Important Information 3 August 2015 Core Super MySuper Insurance & Other Important Information 3 August 2015 As a Core Super MySuper member you have Income Protection as well as Life and Total and Permanent Disablement [TPD] Insurance available

More information

Five Year Mortgage Repayment Insurance. Product Disclosure Statement and Policy Document.

Five Year Mortgage Repayment Insurance. Product Disclosure Statement and Policy Document. Five Year Mortgage Repayment Insurance Product Disclosure Statement and Policy Document. Preparation Date: 04/07/2012 Table of contents page Section A About this insurance 3 The insurers 3 Purpose of the

More information

SAF GROUP TERM LIFE POLICY GROUP POLICY No. 2000002

SAF GROUP TERM LIFE POLICY GROUP POLICY No. 2000002 SAF GROUP TERM LIFE POLICY GROUP POLICY No. 2000002 The SAF Group Term Life policy is designed for SAF and MINDEF personnel as well as those who have committed to National Service. This policy underwritten

More information

Level, Renewable and Family Income Protection Key Features

Level, Renewable and Family Income Protection Key Features Level, Renewable and Family Income Protection Key Features Lifetime Protection from Standard Life This is an important document. Please read it and keep for future reference. The Financial Conduct Authority

More information

INCOME PROTECTION Policy Wording

INCOME PROTECTION Policy Wording INCOME PROTECTION Policy Wording Income Protection Policy Wording 1. Introducing your policy 2. What you can expect from us 3. Making a claim 4. How does the Income Benefit work? 5. What aren t you covered

More information

Group Student Medical Insurance Product Summary

Group Student Medical Insurance Product Summary Group Student Medical Insurance Product Summary Liberty Insurance Pte Ltd Product Information This is a medical expenses reimbursement plan that helps to reduce the financial burden on the family in event

More information