Scope of Cover with terms & conditions

1. This product is designed for Employees who are in service of the Employer in terms of a contract of employment. The Employer should be an individual or corporate body carrying out business activities.
2. The minimum age next birthday at entry is 18 years. The maximum age next birthday at entry is 65 years for death and disability benefits and 60 years for critical illness benefit.
3. Cover on 24 hours worldwide basis with the legislative country being Kenya only.
4. Stand - alone Funeral Benefit: A fixed amount will be payable within forty-eight (48) hours upon notification of the death of a scheme member.
5. Death Benefit: The minimum benefit is KShs 500,000 and maximum benefit is KShs 6,000,000 per scheme member per year, payable in the event of either accidental or illness related death
6. Accelerated Critical Illness Benefit: 30% of the death benefit amount chosen will become payable.
7. Accelerated Permanent and Total Disability: 100% of the death benefit amount chosen will be payable
8. The applicable rates are subject to the average age of the scheme being below 45 years.
   Rates may be reviewed if the average age is above 45 years.
9. In the first year of cover, individuals with any of the following conditions shall only be covered up to 50% of the selected sum assured, other members without the listed conditions will enjoy full sum assured. Cancer, Diabetes, Hypertension, Stroke, Major Organ Failure/Organ Transplant, Heart disease/Angina and HIV related illness.
   All members shall be required to complete and sign a health declaration form at cover application stage for medical underwriting and applicable premium charged.
10. Policy exclusions: No exclusion on HIV/AIDS. Cover is offered in case of passive war, Invasion, Act of Foreign Enemy, Hostility or Warlike operation, Civil War, Rebellion, Revolution, Insurrection, Military or usurped power or popular rising martial law, strike, riot, civil commotion, or mutiny.
    However, no cover in case of: Intentional self-injury, suicide or the influence of alcohol or drugs Medical or surgical treatment, Mountaineering necessitating the use of guides or ropes, Winter Sports, Big Game Shooting or riding or driving in any kind of race or motorcycling above 250cc, Aviation other than as a fare-paying passenger in an aircraft operated by a regular Air Line or established Charter Service, Participation in any hazardous sport or pursuit including rock climbing, scuba diving, hang-gliding and aided speed contests of any kind
11. For Employed members: If an Assured Person’s cover ceases because he or she ceases to be gainfully employed for a reason other than retirement or disability, (that is, ceasing work results in the person no longer being eligible for cover under the Policy terms), we will continue cover for death for a period of thirty (30) days after the date that he or she ceases employment.