Hayati Insurance Program

Think of it as investing in peace of mind for you and your family.
With clear details and specific terms, we make sure you are protected,
guaranteeing the suitable compensation in case the unexpected ever happens.

What You Gain

The insurance coverage under this policy encompasses life and personal accidents, whereas one cannot be obtained independently without the other. Coverage for the benefits listed below is limited to those specifically outlined in your insurance certificate, including the compensation amount, limits and applicable premium.

Benefit 1:

Life Insurance

In the event of death, the compensation will be paid according to the principal amount specified in the insurance certificate.

Benefit 2:

Accidental Death

If the injury leads to the policyholder’s death within (365) days of the accident, the insurer will pay the principal amount specified in the insurance certificate, minus any amount already paid or payable under Benefits (3) and (4) resulting from the same accident.

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.
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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 insurance certificate, with the remaining balance paid monthly over a period of (3) years.
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