Terminal Illness

Within this coverage, 50% of sum assured will be payable at the time of diagnosis of terminal illness. Remaining 50010of sum assured will be payable at the time of death provided that the group policy remains in force with the client. Following conditions will apply to this coverage:

• We will consider terminal illness diagnosed when a licensed physician conforms that the patient will not survive beyond twelve (12) months as a result of any of the following conditions/illnesses:

  •  Heart Attack

  •  Coronary Artery By-Pass Surgery

  •  Stroke

  •  Cancer

  •  Kidney Failure (End stage Failure)

  •  Major Organ Transplant

• llness must be diagnosed 90 days after the commencement of the policy. The employee covered in this policy must survive for at least 45 days following diagnosis of the terminal illness.