UniCapital

Additional insurance cover for loss of life with very low premium and predefined duration, which does not exceed that of the policy. This cover is paid for loss of life from any cause.

In case of loss of life from an accident, the amount is paid as a lump sum to the heirs over and above the sum assured of the basic plan.

The benefit is paid in case of Permanent Total Disablement due to accident or illness in twelve equal quarterly installments beginning six months after the disability occurs. The basic plan continues to be in force as long as the premium is paid. The benefit of Permanent and Total Disablement expires at age 65 or the maturity of the policy or when the policy is not in force.

This supplementary benefit provides cover for either Accidental Death or Permanent Total Disability from Accident. It is paid in case of death due to accident or if the life assured is totally unable by reason of accident to engage in any occupation.

The benefit is paid monthly in case of total disablement due to accident or illness. The benefit is payable after the expiry of three months of any period of disability and expires at maturity of the policy or at the maturity of the benefit or at the age of sixty five, whichever takes place first. Provided that the disablement continues to exist following the first 24 monthly payments the benefit will continue to be paid only if the total disability becomes permanent.

In the event of total disablement due to accident or illness any future premiums (after the first six months of disability) will be waived and assumed to be paid by the Company. The benefit expires at age 65 or the maturity of the policy if earlier.

The Major Medical benefit provides for the payment of cash benefit in case of hospitalization and a surgical benefit in case of a surgery. In case of surgery the level of the surgical benefit depends on the category of the surgery, as defined in the relevant table of the Company. The premium is charged by cancellation of units of the basic plan.

This benefit is paid as a lump sum in case any of the following dread diseases occurs with the payment of this benefit the basic plan remains in force.

• Cancer (of specified severity)
• Coronary Artery Disease Requiring Surgery 
• Heart Attack  (of specified severity)
• Chronic Kidney Failure 
• Major Organ Transplantation 
• Stroke 
• Structural Heart Surgery 
• Multiple Sclerosis 
• Benign Brain Tumor 
• Blindness