SICOM

Total and Permanent Disability Benefit

3 times Sum Assured is guaranteed in case of total and permanent disability before maturity

Health Care Cover

3 times Sum Assured is guaranteed on diagnosis of any one of the following illnesses before maturity:

• Heart Attack
• Coronary Artery Bypass Graft (CABG)
• Stroke
• Cancer
• Kidney Failure
• Major Organ Transplant
• Paraplegia, Quadriplegia, Diplegia, Hemiplegia and Tetraplegia
• Blindness
• Major Burns
• Cardiac Valve Surgery
• Pulmonary Arterial Hypertension
• Coma
• Brain Damage
  
  

PLUS

Special Cover for Angioplasty with varying terms of payment. (Please contact us for more details)

Maternity Cover

• It covers Normal Delivery as well as Caesarean
• Possibility of claiming from multiple policies
• Limit per policy: 10 % of Sum Assured
• Premium for the Maternity Cover ceases after a claim is admitted
• Cover ceases at age 65 years
  

Surgical Cover

• Possibility of claiming from multiple policies
• Limit per policy: 10 % of Sum Assured
• Premium for the Surgical Cover ceases after a claim is admitted
• Cover ceases at age 65 years
  
  
  

Age at entry + term should not exceed 75 years

• National Identity Card
• Recent Utility Bill (Less than 3 months old)
• Birth certificate
• Marriage Certificate (as applicable)
• Bank details for payment of premium
• Payment of First Month Deposit

What happens if I cancel my insurance before maturity?

A surrender value is payable to you provided your policy has been in force for at least 2 years and a minimum of 24 monthly premiums have been paid.

Can I stop contributing to my policy without having to surrender it?

This policy can be converted into paid up assurance for a reduced sum assured free of future payment of premiums after 2 years provided that 24 monthly premiums have been paid.

Can I obtain a loan on my insurance policy?

A Policy Loan may be obtained if policy acquired a surrender value (after 2 years)