PROTECTION BENEFITS

    - Guaranted life cover (the life cover is payable on death within the term of the plan).

    - Permanent and total disability.

    - Accidental death double indemnity.

    - Passive war risk.

MEDICAL REQUIREMENTS

    - Application form.

    - Physical examination including microscopic urinalysis.

    - Chest X-Ray.

    - ECG, resting and effort , except for lives aged 35 or less where an echocardiogram is required.

    - Pulmonary function tests including FVC,FEV1,PEFR.

    - Full blood tests including FBC,ESR,LIPIDS,KET'S ,GTT AND PSA for males aged over 50.

ADDITIONAL REQUIREMENTS

    - HIV-HIV(1&2) blood test is required for sums assured in excess of USD 300,000 and for all ages.

    - FQ- Financial questionere completed and signed by applicant is required for sums assured in excess of USD 500,000.

    - FE- Financial Evidence by a third party (letter from lending bank , auditor's letter or report etc...) is required for sums assured inexcess of USD 1,000,000.

    - KM- A three year's company report and accounts will be required for business /Keyman cover in excess of USD 2,000,000.