Can members be enrolled during the policy term of the master policy?
Yes, members can be enrolled mid-term by paying a prorated premium based on the remaining coverage period.
Are premium rates fixed?
Yes, premium rates are fixed based on the member’s age band and the chosen sum insured.
Can premium rates be revised or reduced?
Yes, premium rates may be reviewed and revised after completion of one policy year, subject to claims experience and adherence to defined process and quality parameters.
If a member's coverage period extends beyond the expiry or termination of the master policy, will coverage continue?
Yes, the member will continue to be covered for the duration of their defined coverage period. However, no new members can be enrolled once the master policy expires or is terminated.
Can an individual hold more than one term insurance plan?
Yes, individuals may hold multiple term insurance plans. In the event of an unfortunate incident, dependents are eligible to claim benefits under all valid term life policies.
What are the general exclusions in home insurance policies?
- Criminal Activities
- Acts Of War
- Lapse In Policy
- Reckless Endangerment
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