dread disease insurance

Dread Disease (Comprehensive)

 

The Comprehensive Dread Disease Benefit provides the insured and his / her children with cover for all major body systems in the event that they should be diagnosed with a specific illness or suffer from a specific condition.

Cover

Where a Dread Disease claim takes place, a percentage of the benefit amount will be paid in the form of a lump sum after the expiry of a 30 day survival period, as shown in the table of Benefit Groups.

In the event of a claim against a specific Benefit Group exhausting 100% of the benefit amount prior to age 75,

Only one 15 / 25% reinstatement will be made per benefit group . No claim will be paid under the reinstated cover where, in the opinion of Hollard Life, it is a direct consequence of the event for which a 100% payment was made before reinstatement. The applicant can choose cover which ceases at 65 or continues for life.

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                                EXCLUSIONS & CONDITIONS                                     

No payment shall be made if the incident / illness giving rise to such claim was directly or indirectly occasioned by or accelerated by :

·                                                                      ·           Self inflicted injuries

·                                                                      ·           Alcohol or substance abuse, including driving a motor vehicle while over the legal alcohol limit;

·                                                                      ·           Any act of the life assured or policy owner which is a willful and material violation of any law

 

The policy owner is required to advise Hollard Life in writing of any change in circumstances regarding                                                              smoking habits or participation in hazardous sports, including rock climbing, hang-gliding, micro-lighting, acrobatic flying and speed contests of any kind. Hollard Life may adjust the benefits or premiums accordingly.

 

Once-off casual participation in a hazardous sport or pursuit in an appropriately controlled environment or scuba diving up to 40 meters with a relevant qualification does not require notification