Hayati+ Insurance Program

 Benefit 1:

Life Insurance

In the event of death, the compensation will be paid according to the principal amount specified in the schedule of benefits/contract specifications.

Benefit 2:

Accidental Death

If the injury leads to the policyholder’s death within (365) days of the accident, the designated beneficiaries will receive the principal sum as outlined in the schedule of benefits/contract specifications, minus any amounts previously paid or payable under Benefits (3) and (4) resulting from the same incident.

Benefit 3:

Loss of Limbs, Sight, Hearing or Speech due to an Accident

In case the injury results in any of the following permanent losses to the policyholder within (365) days of the accident, the insurer will pay the policyholder for the loss.

Benefit 4:

Total Permanent Disability Due to an Accident

If the policyholder becomes totally and permanently disabled as a result of an injury within (365) days from the date of the accident, and this disability persists for (12) consecutive months, with total and continuous disability at the end of this period, the insurer will pay the principal amount, minus any amounts already paid under Benefit (3). The principal amount will be paid as a lump sum equivalent to 25% of the principal sum in the schedule of benefits/contract specifications, with the remaining balance paid monthly over a period of (3) years.