When does the policy take effect?

Once forms and documentation are received +first installment. For continuing members, this is not necessary.

Other Key Important Information

• Covers Member, member spouse, up to 4 children, biological parents and biological parents’ in-law, declared siblings at inception.
• Spouse is defined by marriage or an affidavit. Children are defined by birth certificate, adoption documents or an affidavit.
  
• Pays benefits for up to a maximum of 5 deaths per family per year.
  
• Member and spouse entry age – 18 to 70 years: children cover ages – 1 month to 18 years (24 years if still in college: perpetual cover for special children): parents and parents’ in-law entry age – 18 to 85 years: siblings cover ages – 1 month to 70 years.
• New entrants (not currently in the existing Welfare): Member, spouse and children waiting period – 1 month: parents and parents’ in-law and siblings waiting period – 3 months for death by natural diseases. NO WAITING PERIOD FOR DEATH BY ACCIDENT.
  
• Members are not subjected to any medical requirements up to the limits indicated.
  
• Each member can opt for higher benefit as he/she wishes but at premiums indicated
  Policies have NO HIV/AIDS exclusion. We pay claims irrespective of cause of death.
  
  
  
  All required documents MUST have been received in order for claims to be honored. The documents are:
  
  i) Executed affidavits MUST be produced where required documents are not available e.g. Birth Certificates, legal adoption documents, guardianship/sponsorship, Marriage Certificates etc.
  
  ii) Where child is in college, college ID copies should be attached.
  
  iii) Dully filled in Claim form