LifeShield

Benefits and reimbursements

Natural Death (ND):
This benefit ensures that your family gets the basic income protection in the event of death.

Accidental Death, Dismemberment and Permanent Total Disability (AD, D & PTD) – LUMP SUM
Accidents are the leading causes of death and disability. Serious disabilities also cost the family more in terms of strain on finances. This Benefit provides a lump sum payment of cash to protect your family against this serious and potentially devastating risk.

Accidental Medical Reimbursement (AMR):
Accidents happen and happen frequently. Fortunately, most are minor and can be treated at a clinic. This Benefit provides protection even against the most minor of injuries. We will pay for your medical bills, should you require them treated at any medical center.

Accident & Sickness In-Hospital Income up to 52 Weeks (IH – A & S):
The last thing you need to worry about if you have to have a stay in the hospital is who will look after the children, the pets, or even the house. This Benefit provides you the added finances to cover whatever you feel is important during your stay so you can concentrate on getting well. You can use it for childcare, travel expenses, a private room or even help at home if you need it.

Accident Weekly Income (AWI):
Other injuries may prevent you from going to work. We recognize this and will replace part of this loss income with a cash compensation for your temporary disability.

Accidental Death, Dismemberment and Permanent Total Disability (AD, D & PTD) - LIFE TIME INCOME
Death and serious disabilities also cost the family more in terms of strain on finances. This benefit replaces this loss of income by providing monthly Income for life time, with a minimum guarantee of 20 years.

Accident & Sickness In-Hospital Surgical Expenses (A & S In-Hospital Surgical Expenses):
Some Injuries & Sickness at Hospital requires surgical procedure. This benefit provides cash compensation for surgical expenses as per surgical schedule.

NIA Product Code: NIA/LI005/2062/063/TEP/0002

Life Shield Policy Wording

Life Shield Surgical Schedule