How To Get A Life Insurance Policy With Alpha Insurance

Transcription

1 ADDITIONAL LIFE BENEFITS Alpha Waiver of Premium Payments At any Individual of up to 64 year of age who buys a life insurance policy with Alpha Insurance Waives the obligation of the policy owner to continue payments of premium, in the event of permanent and total disability of the insured to exercise their or similar occupation. This supplementary benefit secures the continuation of the Life Insurance policy up to its maturity. From 2.2% up to 3.35% of the yearly premium of the basic plan and its supplementary benefits (if any) Alpha Accidental Death Benefit At any Individual up to 64 years of age buying a life insurance policy Additional cover in the event of death of the insured caused by accident 1.00 per 1,000 of sum insured Alpha Loss of Income At any Individual up to 60 years of age This cover can only be bought as an optional rider to the Alpha Medical Plan. Provides cover for loss of earnings due to illness that results in total disability Covers up to 85% of yearly gross earnings with maximum weekly benefit and minimum weekly benefit For non-manual workers yearly (calculated on the maximum weekly benefit of )

2 Alpha 12 Critical illnesses At any Individual up to 60 years of age, with maximum period of cover 15 years. This benefit can be bought as a rider on other life insurance policies. Critical illnesses: Cancer, Stroke, Renal Failure, Heart Attack, Coronary Artery Disease, Multiple Sclerosis, Parkinson s Disease, Major Organ Transplant, Heart Valve Replacement, Aorta Surgery, Surgery, Major Burns and Coma. From 1, 00 for every of sum insured, for younger ages. Alpha Medical Hypercover Addressed to: Individuals aged 18 to 69. Benefits: Reimbursement of inpatient and/or outpatient medical expenses within the plan limits. Maximum annual limit of Choice of physician, clinic or hospital as well as medical treatment worldwide. Worldwide emergency assistance as well as a result of accident and/or illness as well as transportation to a hospital, whilst being temporarily abroad as a visitor. Participation cover of dependents on their parents health plan. Choice of excess amounts on both inpatient and outpatient covers Indicative monthly premium: Inpatient cover: From 10 for children and 17 for adults depending on excess an age. Outpatient cover: From 8 for children and 13 for adults depending on excess and age. Alpha Lady Plan Addressed to: Women only, aged 18 to 60. Benefits: Annual benefit of up 100 for diagnostic tests including PAP test, mammogram or HPV DNA test. Financial compensation of as a lump sum amount in case of breast or cervical cancer diagnosis. when breast or womb cancer is diagnosed. The benefit to be compensated to the insured female is on diagnosis. Indicative monthly Premium: From 16 depending on age.

3 Alpha Permanent Total At individuals between 18 and 64 years of age with minimum duration of policy one year and maximum on attaining the age of 65 Accident or illness which results in total and permanent disability and the insured are no longer able to exercise their own or of a similar nature profession Only as an added rider to a life policy Initial premium 1.00 for 1,000 sum insured. The premium increases depending on the occupational risk and ageing of the insured. Alpha Temporary Total At individuals between 8 and 60 years of age, with minimum limit of duration 5 years, provided the insured is working and receiving income Up to 75% of the insured s gross weekly earnings Maximum period of cover is 52 weeks, with a waiting period depending on the nature of the insured s profession Obligatory with Alpha Accidental Death and Alpha Permanent Total Only as an additional rider to life policies Provision to include the spouse of the insured (if any) provided the spouse is working and receiving an income Yearly renewable Initial cost for the maximum weekly compensation of The premium increases depending on the occupational risk of the insured

4 Alpha Medical Expenses Room & Board Allowance At individuals between 18 and 64 years of age with maximum cover on attaining the age of 65 Reimbursement of medical expenses as a result of accident only, with yearly limits (a) 1,000 (b) 2,000 (c) 3,000 (d) 6,000. Additional allowance of per day in hospitals and clinics for 90 days maximum per medical incident Additional rider on life policies provided alpha accidental death is chosen with maximum cover of 45,000 Yearly renewable Initial premium for 1,000 cover. The premium increases depending on the occupational risk of the insured. Alpha Group Medical At group of employees of at least 10 adults up to 69 years of age In and/or Out-patient care in Cyprus, EU countries and Israel Depending on the nature of work and age of employees Alpha Group Life Insurance At group of employees between 18 and 65 years of age Group life policy covering loss of life resulting from any cause Total permanent or partial disability Depending on the nature of work and the age of the participating members

5 Alpha Group Personal Accidents Insurance At the staff of any specific company and to students Against accidents (on a 24 hour basis) that may occur at the workplace, in school or at any other time Depending on the nature of work, the age of the participating members, the duration of the policy, and the amount of insurance cover requested Alpha Temporary Total At individuals between 18 and 60 years of age, with minimum limit of duration 5 years, provided the insured is working and receiving income. 75% of the weekly income of the insured Maximum period of cover 52 weeks with a waiting period depending on the nature of the profession of the insured Obligatory with Alpha Accidental Death and Alpha Permanent Total Only as an additional rider to life policies Yearly Renewable Provision to include the spouse of the insured (if any) provided the spouse is working and receiving an income Initial cost for the maximum weekly cover of The premium increases depending on the occupational risk of the insured