Other Benefits

100 Years Plus Life Cover

Whole of Life assurance rider with a limited paying term.10% of the benefit amount will be paid immediately on intimation of death (up to a maximum of LKR 200,000)

Accidental Death Benefit

Additional sum payable in respect of all policies issued by the company of the same life shall not exceed (4) four times than the basic sum assured of main policy and shall not exceed the market limit of LKR. 30 Million (Rupees thirty million) in respect of all life insurance policies obtained under the same “Life Assured”.

Additional Life Benefit

Sum Assured under this cover will be limited to eight (8) times the Basic Sum Assured.

Total Permanent Disability Benefit

60% of the sum assured will be paid at the outset in the event of a Total Permanent Disability and the balance 40% will be paid in 4 equal installments spread over a period of 4 years.

Permanent Partial Disability Benefit

A Percentage of the sum assured will be paid based on the type of permanent partial disability listed at the benefit schedule in the policy contract.

Premium Protection Benefit

In the event of Total permanent disability due to Accident or Sickness, Company will waive off the premium on “Basic sum assured, Additional Life Benefit, Critical Illness Super Benefit, Funeral Expenses Benefit, Spouse Cover Benefit, Family Income Benefit and Annual Escalation Benefit” until the expiry date of the benefit.

Waiver of Premium on Death Benefit

When Death of the Life Assured Occurs, the Company shall waive the Regular Basic Premium for the falling due from the date of death of the Life Assured up to the expiry date of the premium paying term.

Spouse Cover Benefit

Optional Life Cover provided to the spouse of the main policyholder.

Hospitalization Benefit

Daily benefit paid in the event of hospitalization, to help cover loss of income, medical bills, transport costs etc.

Funeral Expenses Benefit

Benefit Paid to spouse in the event of Death of the main life as a Lump Sum.

Family Income Benefit

A monthly Benefit paid in the event of a death or a total & permanent disability of the main life.

Critical Illness Super Benefit

The benefit will be paid if the life assured diagnosed for the first time as suffering from or proved to have undergone the type of surgery indicated in the list of 36 critical illnesses given in the Policy Document. The Policyholder has the option of having the spouse covered under the same policy as well.

Annual Escalation Benefit

If this benefit has been obtained, Basic sum assured will automatically increase annually by either 5% or 10% thereof as selected by the Life Assured.

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