UniCare
A whole-life scheme that provides comprehensive life protection, incorporating three significant coverages.
What is it about
UniCare is a whole-life unit-linked scheme. It offers a unique combination of benefits covering the insured, in case of loss of life, diagnosis of a Dread Disease as well as Permanent Total Disability.
Target
Comprehensive life protection and building-up of capital
Duration
Whole-life scheme with maximum age of entering 70 years old
Insured amount
Maximum insurance cover of €200.000
Investment Funds
A choice between the five Internal Unit-Linked Investment Funds of Universal Life
Tax Exemption
Premiums can be tax-exempted
Benefits/Covers
- Whole life coverage for loss of life
- Coverage for permanent total disability up to the age of 65.
- Whole life coverage for ten dread diseases
The ten dread diseases covered are as follows:
- 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
Additional benefits
Accidental Death or Permanent Total Disability from Accident
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.
Major Medical
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.