LIFE AND PERSONAL ACCIDENT COVER

-Beneficiaries in the event of the Insured's death
The amount of cover in the event of death of the Insured becomes payable in order of
preference:
-To the spouse of the Insured if married and not legally separated,
-Failing this, to the children of the Insured who have been born or are to be born, in equal
shares,the share of the predeceased being transferred to their own children or to their
brothers and sisters if there are no children,
-Failing this, to the father and mother, in equal shares, or, to the survivor in the event of
predeceased,
-Failing this, to the legal heirs.
At any time, the Insured may modify the above order and designate any individual or body
corporate of their choice by notifying the Insurer by registered mail.
When the personal designation is null and void or absent, the above arrangement shall
apply.
In the event of the death of an Insured person and of one or more designated beneficiaries
in one and the same event without it being possible to determine the order of death or when
the beneficiary dying after the Insured has not had the time to accept the benefit of the
capital, the Insured is presumed to have survived for the determination of beneficiaries of the
lump sum.
-Permanent, total and irreversible disabilityLoss of both arms or both hands
100%
Scale of Permanent Disabilities (by Accident) Loss of speech
100%
Loss of one arm and one leg 100%
Complete deafness of both ears, of traumatic origin 100%
Removal of the lower jaw 100%
Loss of one hand and one leg 100%
Loss of both legs 100%
Loss of both feet 100%
- Choice of coverThis policy pays a monthly payroll for 10 years (120 months) in the event of
death or total and irreversible disability of the Insured. The customer has two choices: by
sickness or accident, he can take both. - Choice of levelThe choice is made by the Insured
during his enrolment. He can choose the following levels: from 10,000 USD up to 200,000
USD. It may be modified later. In the event of a change of situation or family dependents, the
Insurer must be informed.
-Monthly payroll on death or total and irreversible disability
If the Insured dies before his/her 75th birthday, the designated beneficiary receives a
monthly payroll, depending on the chosen formula.
When the monthly payroll has started, the Insured shall no longer receive the death cover in
case of total and irreversible disability.
-The Insurer's assessment of declared claims
In all circumstances, the Insurer reserves the right to assess, via a medical examination, the
justification for the incapacity or disability of the Insured. For indemnity covers, proof of
salaries is required.
-Exclusions for the Personal and Accident cover
-Any sickness or accident due to the intentional act of the insured person, intentional
mutilation attempted suicide
-Any criminal proceeding against the Insured, except if the Insured does not take an active
part in the event
-Any consequence of a civil or other war, insurrection or popular movement, except if the
Insured Does not take an active part in the event
-Any riot or strike, except if the Insured does not take an active part in the event
-Any claim resulting directly or indirectly from the meltdown of an atomic core, or any
radiation originating from ionizing radiation
-Any claim resulting from any form of experimental or unsupervised treatment that does not
follow commonly accepted, customary or conventional medical practice, unless specific
consent has been given by the Insurer
-Any claim resulting from any non-prescribed medication, and commonly used non-medical
products such as medical alcohol, absorbent cotton, sun creams, dental hygiene products,
dressings,shampoos etc.