The HealthCare International Life Insurance Policy is an annually renewable policy which is designed to provide
continuous coverage for a person until normal retirement.
The policy provides for a lump sum settlement to dependents or a nominated beneficiary of the life assured (or
policy owner) in the event of your death. It also provides for a settlement to you in the event that you were to
suffer a permanent or total disability. The policy provides worldwide coverage, and is designed to cover a wide
variety of occupations, locations and circumstances. Coverage can be for any amount between US$50,000 up to
US$15 million, depending on your individual requirements. This plan is also underwriten in British Sterling and
Our Income Protection Insurance Policy is designed to cover your ongoing financial obligations in the event that
you were to suffer an illness or injury, which is serious enough that it necessitates you being away from your work
for an extended period of time.
Our policy provides for a payment of up to 75% of your annual income once you have been away from work for a period
of longer than 3 months, and this benefit will continue to be paid until you recover, return to work or until the
selected retirement age if the illness or injury is permanent and serious enough that you cannot return to work at
all. In addition, should you be able to return to work, but are unable to work in your previous field of employ due
to the injury or illness, and as a result are earning a lesser salary, our policy can pay the difference between
your current income and your previous income.