Insurance Company of Africa - Liberia
Policies we provide
ICA Orange Personal Accident policy ( Natural Death Extension(SINGLE BRONZE)
ICA Personal AccidentPolicy Description:Who can subscribe?·Anyone between the ages of 18 – 55 years who has an Orange mobileWho can be a selected family member?·Any family... Show More
Policy Description:
Who can subscribe?
·Anyone between the ages of 18 – 55 years who has an Orange mobile
Who can be a selected family member?
·Any family member (a parent, sibling, spouse or child) between the ages of 18 – 55 that the policy holder wants to protect against the insured peril.
How do I subscribe?
• By dialing e.g. *148# on Orange and follow the sign up instructions
• Through a dedicated Orange mobile agent
What information will I need?
·Full name of assured and selected family member
·Date of birth of assured and selected family member
·Phone number of assured and selected family member
·Relationship to selected family member
How do I pay the monthly premiums?
Premiums will be deducted automatically from insureds Orange Mobile Wallet
Risks Covered:
- Accidental Death: The insurer pays the sum insured in an event of accidental death of the insured to his/her named beneficiary(ies).
- Accidental Medical & Surgical:
- a) Permanent Total Disablement: If the insured has an accident that causes permanent disability lasting more than one month, compensation may be paid up to the sum insured based on the schedule below.
- b) Temporary Total Disablement: If the insured is partially disabled due to injury, a percentage of the sum insured will be payable depending on the part of the body affected, as outlined in the benefit schedule.
- Natural Death: If the Assured dies from natural causes (age or disease), but not due to accident or violence.
Benefits:
- Capital Sum Insured: See Schedule attached
- Accidental Medical Expense: See Schedule attached
- Natural Death Benefit: See Schedule attached
Premium:
See Premium and Benefit schedule.
Schedule of Compensation:
| Injury | Percentage of Maximum Benefit |
|---|---|
| Death | 100% |
| Permanent total loss of sight of both eyes | 100% |
| Permanent total loss of sight of one eye | 100% |
| Loss of two limbs | 100% |
| Loss of one limb | 100% |
| Loss of one eye and one limb | 100% |
| Permanent total disablement including paralysis (as per scale below) | 100% |
| Loss of four fingers and thumb of one hand | 50% |
| Loss of four fingers | 40% |
| Loss of thumb – both phalanges | 25% |
| One phalanx | 10% |
| Loss of index finger – three phalanges | 10% |
| Two phalanges | 8% |
| One phalanx | 4% |
| Loss of middle finger – three phalanges | 6% |
| Two phalanges | 4% |
| One phalanx | 2% |
| Loss of ring finger – three phalanges | 5% |
| Two phalanges | 4% |
| One phalanx | 2% |
| Loss of little finger – three phalanges | 4% |
| Two phalanges | 3% |
| One phalanx | 2% |
| Loss of all toes | 15% |
| Great toe – both phalanges | 5% |
| Great toe – one phalanx | 2% |
| Other toes – each (if more than one) | 1% |
| Loss of sight (except perception of light) | 30% |
| Loss of lens of one eye | 50% |
| Loss of hearing – both ears | 75% |
| Loss of hearing – one ear | 15% |
It is agreed that “Loss” shall include “Total Loss of Use”.
Exclusions:
- War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.
- Naval, military or air force operations; winter sports (except skating/curling); skin diving with breathing apparatus; rock climbing or mountaineering; potholing; parachuting; horse hunting; racing; motorcycling or scooter riding (except mopeds); air travel (unless as passenger).
- Suicide, attempted suicide, intentional self-injury, or insanity.
- Deliberate exposure to danger (except life-saving), or criminal acts by insured.
- Being under influence of alcohol or drugs.
- Medical/surgical treatment for sickness only: venereal diseases, malaria treatment.
- Any other exclusions as specified in the policy.
ICA Orange Personal Accident policy Natural Death Extension(SINGLE SILVER)
ICA Personal AccidentPolicy Description:Who can subscribe?·Anyone between the ages of 18 – 55 years who has an Orange mobileWho can be a selected family member?·Any family... Show More
Policy Description:
Who can subscribe?
·Anyone between the ages of 18 – 55 years who has an Orange mobile
Who can be a selected family member?
·Any family member (a parent, sibling, spouse or child) between the ages of 18 – 55 that the policy holder wants to protect against the insured peril.
How do I subscribe?
• By dialing e.g. *148# on Orange and follow the sign up instructions
• Through a dedicated Orange mobile agent
What information will I need?
·Full name of assured and selected family member
·Date of birth of assured and selected family member
·Phone number of assured and selected family member
·Relationship to selected family member
How do I pay the monthly premiums?
Premiums will be deducted automatically from insureds Orange Mobile Wallet
Risks Covered:
- Accidental Death: The insurer pays the sum insured in an event of accidental death of the insured to his/her named beneficiary(ies).
- Accidental Medical & Surgical:
- a) Permanent Total Disablement: If the insured has an accident that causes permanent disability lasting more than one month, compensation may be paid up to the sum insured based on the schedule below.
- b) Temporary Total Disablement: If the insured is partially disabled due to injury, a percentage of the sum insured will be payable depending on the part of the body affected, as outlined in the benefit schedule.
- Natural Death: If the Assured dies from natural causes (age or disease), but not due to accident or violence.
Benefits:
- Capital Sum Insured: See Schedule attached
- Accidental Medical Expense: See Schedule attached
- Natural Death Benefit: See Schedule attached
Premium:
See Premium and Benefit schedule.
Schedule of Compensation:
| Injury | Percentage of Maximum Benefit |
|---|---|
| Death | 100% |
| Permanent total loss of sight of both eyes | 100% |
| Permanent total loss of sight of one eye | 100% |
| Loss of two limbs | 100% |
| Loss of one limb | 100% |
| Loss of one eye and one limb | 100% |
| Permanent total disablement including paralysis (as per scale below) | 100% |
| Loss of four fingers and thumb of one hand | 50% |
| Loss of four fingers | 40% |
| Loss of thumb – both phalanges | 25% |
| One phalanx | 10% |
| Loss of index finger – three phalanges | 10% |
| Two phalanges | 8% |
| One phalanx | 4% |
| Loss of middle finger – three phalanges | 6% |
| Two phalanges | 4% |
| One phalanx | 2% |
| Loss of ring finger – three phalanges | 5% |
| Two phalanges | 4% |
| One phalanx | 2% |
| Loss of little finger – three phalanges | 4% |
| Two phalanges | 3% |
| One phalanx | 2% |
| Loss of all toes | 15% |
| Great toe – both phalanges | 5% |
| Great toe – one phalanx | 2% |
| Other toes – each (if more than one) | 1% |
| Loss of sight (except perception of light) | 30% |
| Loss of lens of one eye | 50% |
| Loss of hearing – both ears | 75% |
| Loss of hearing – one ear | 15% |
It is agreed that “Loss” shall include “Total Loss of Use”.
Exclusions:
- War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.
- Naval, military or air force operations; winter sports (except skating/curling); skin diving with breathing apparatus; rock climbing or mountaineering; potholing; parachuting; horse hunting; racing; motorcycling or scooter riding (except mopeds); air travel (unless as passenger).
- Suicide, attempted suicide, intentional self-injury, or insanity.
- Deliberate exposure to danger (except life-saving), or criminal acts by insured.
- Being under influence of alcohol or drugs.
- Medical/surgical treatment for sickness only: venereal diseases, malaria treatment.
- Any other exclusions as specified in the policy.
ICA Orange Personal Accident policy Natural Death Extension(SINGLE GOLD)
ICA Personal AccidentPolicy Description:Who can subscribe?·Anyone between the ages of 18 – 55 years who has an Orange mobileWho can be a selected family member?·Any family... Show More
Policy Description:
Who can subscribe?
·Anyone between the ages of 18 – 55 years who has an Orange mobile
Who can be a selected family member?
·Any family member (a parent, sibling, spouse or child) between the ages of 18 – 55 that the policy holder wants to protect against the insured peril.
How do I subscribe?
• By dialing e.g. *148# on Orange and follow the sign up instructions
• Through a dedicated Orange mobile agent
What information will I need?
·Full name of assured and selected family member
·Date of birth of assured and selected family member
·Phone number of assured and selected family member
·Relationship to selected family member
How do I pay the monthly premiums?
Premiums will be deducted automatically from insureds Orange Mobile Wallet
Risks Covered:
- Accidental Death: The insurer pays the sum insured in an event of accidental death of the insured to his/her named beneficiary(ies).
- Accidental Medical & Surgical:
- a) Permanent Total Disablement: If the insured has an accident that causes permanent disability lasting more than one month, compensation may be paid up to the sum insured based on the schedule below.
- b) Temporary Total Disablement: If the insured is partially disabled due to injury, a percentage of the sum insured will be payable depending on the part of the body affected, as outlined in the benefit schedule.
- Natural Death: If the Assured dies from natural causes (age or disease), but not due to accident or violence.
Benefits:
- Capital Sum Insured: See Schedule attached
- Accidental Medical Expense: See Schedule attached
- Natural Death Benefit: See Schedule attached
Premium:
See Premium and Benefit schedule.
Schedule of Compensation:
| Injury | Percentage of Maximum Benefit |
|---|---|
| Death | 100% |
| Permanent total loss of sight of both eyes | 100% |
| Permanent total loss of sight of one eye | 100% |
| Loss of two limbs | 100% |
| Loss of one limb | 100% |
| Loss of one eye and one limb | 100% |
| Permanent total disablement including paralysis (as per scale below) | 100% |
| Loss of four fingers and thumb of one hand | 50% |
| Loss of four fingers | 40% |
| Loss of thumb – both phalanges | 25% |
| One phalanx | 10% |
| Loss of index finger – three phalanges | 10% |
| Two phalanges | 8% |
| One phalanx | 4% |
| Loss of middle finger – three phalanges | 6% |
| Two phalanges | 4% |
| One phalanx | 2% |
| Loss of ring finger – three phalanges | 5% |
| Two phalanges | 4% |
| One phalanx | 2% |
| Loss of little finger – three phalanges | 4% |
| Two phalanges | 3% |
| One phalanx | 2% |
| Loss of all toes | 15% |
| Great toe – both phalanges | 5% |
| Great toe – one phalanx | 2% |
| Other toes – each (if more than one) | 1% |
| Loss of sight (except perception of light) | 30% |
| Loss of lens of one eye | 50% |
| Loss of hearing – both ears | 75% |
| Loss of hearing – one ear | 15% |
It is agreed that “Loss” shall include “Total Loss of Use”.
Exclusions:
- War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.
- Naval, military or air force operations; winter sports (except skating/curling); skin diving with breathing apparatus; rock climbing or mountaineering; potholing; parachuting; horse hunting; racing; motorcycling or scooter riding (except mopeds); air travel (unless as passenger).
- Suicide, attempted suicide, intentional self-injury, or insanity.
- Deliberate exposure to danger (except life-saving), or criminal acts by insured.
- Being under influence of alcohol or drugs.
- Medical/surgical treatment for sickness only: venereal diseases, malaria treatment.
- Any other exclusions as specified in the policy.
ICA Orange Personal Accident policy Natural Death Extension(SINGLE PLAT)
ICA Personal AccidentPolicy Description:Who can subscribe?·Anyone between the ages of 18 – 55 years who has an Orange mobileWho can be a selected family member?·Any family... Show More
Policy Description:
Who can subscribe?
·Anyone between the ages of 18 – 55 years who has an Orange mobile
Who can be a selected family member?
·Any family member (a parent, sibling, spouse or child) between the ages of 18 – 55 that the policy holder wants to protect against the insured peril.
How do I subscribe?
• By dialing e.g. *148# on Orange and follow the sign up instructions
• Through a dedicated Orange mobile agent
What information will I need?
·Full name of assured and selected family member
·Date of birth of assured and selected family member
·Phone number of assured and selected family member
·Relationship to selected family member
How do I pay the monthly premiums?
Premiums will be deducted automatically from insureds Orange Mobile Wallet
Risks Covered:
- Accidental Death: The insurer pays the sum insured in an event of accidental death of the insured to his/her named beneficiary(ies).
- Accidental Medical & Surgical:
- a) Permanent Total Disablement: If the insured has an accident that causes permanent disability lasting more than one month, compensation may be paid up to the sum insured based on the schedule below.
- b) Temporary Total Disablement: If the insured is partially disabled due to injury, a percentage of the sum insured will be payable depending on the part of the body affected, as outlined in the benefit schedule.
- Natural Death: If the Assured dies from natural causes (age or disease), but not due to accident or violence.
Benefits:
- Capital Sum Insured: See Schedule attached
- Accidental Medical Expense: See Schedule attached
- Natural Death Benefit: See Schedule attached
Premium:
See Premium and Benefit schedule.
Schedule of Compensation:
| Injury | Percentage of Maximum Benefit |
|---|---|
| Death | 100% |
| Permanent total loss of sight of both eyes | 100% |
| Permanent total loss of sight of one eye | 100% |
| Loss of two limbs | 100% |
| Loss of one limb | 100% |
| Loss of one eye and one limb | 100% |
| Permanent total disablement including paralysis (as per scale below) | 100% |
| Loss of four fingers and thumb of one hand | 50% |
| Loss of four fingers | 40% |
| Loss of thumb – both phalanges | 25% |
| One phalanx | 10% |
| Loss of index finger – three phalanges | 10% |
| Two phalanges | 8% |
| One phalanx | 4% |
| Loss of middle finger – three phalanges | 6% |
| Two phalanges | 4% |
| One phalanx | 2% |
| Loss of ring finger – three phalanges | 5% |
| Two phalanges | 4% |
| One phalanx | 2% |
| Loss of little finger – three phalanges | 4% |
| Two phalanges | 3% |
| One phalanx | 2% |
| Loss of all toes | 15% |
| Great toe – both phalanges | 5% |
| Great toe – one phalanx | 2% |
| Other toes – each (if more than one) | 1% |
| Loss of sight (except perception of light) | 30% |
| Loss of lens of one eye | 50% |
| Loss of hearing – both ears | 75% |
| Loss of hearing – one ear | 15% |
It is agreed that “Loss” shall include “Total Loss of Use”.
Exclusions:
- War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.
- Naval, military or air force operations; winter sports (except skating/curling); skin diving with breathing apparatus; rock climbing or mountaineering; potholing; parachuting; horse hunting; racing; motorcycling or scooter riding (except mopeds); air travel (unless as passenger).
- Suicide, attempted suicide, intentional self-injury, or insanity.
- Deliberate exposure to danger (except life-saving), or criminal acts by insured.
- Being under influence of alcohol or drugs.
- Medical/surgical treatment for sickness only: venereal diseases, malaria treatment.
- Any other exclusions as specified in the policy.
ICA Orange Personal Accident policy Natural Death Extension(JOINT BRONZE)
ICA Health InsurancesPolicy Description:Who can subscribe?·Anyone between the ages of 18 – 55 years who has an Orange mobileWho can be a selected family member?·Any family... Show More
Policy Description:
Who can subscribe?
·Anyone between the ages of 18 – 55 years who has an Orange mobile
Who can be a selected family member?
·Any family member (a parent, sibling, spouse or child) between the ages of 18 – 55 that the policy holder wants to protect against the insured peril.
How do I subscribe?
• By dialing e.g. *148# on Orange and follow the sign up instructions
• Through a dedicated Orange mobile agent
What information will I need?
·Full name of assured and selected family member
·Date of birth of assured and selected family member
·Phone number of assured and selected family member
·Relationship to selected family member
How do I pay the monthly premiums?
Premiums will be deducted automatically from insureds Orange Mobile Wallet
Risks Covered:
- Accidental Death: The insurer pays the sum insured in an event of accidental death of the insured to his/her named beneficiary(ies).
- Accidental Medical & Surgical:
- a) Permanent Total Disablement: If the insured has an accident that causes permanent disability lasting more than one month, compensation may be paid up to the sum insured based on the schedule below.
- b) Temporary Total Disablement: If the insured is partially disabled due to injury, a percentage of the sum insured will be payable depending on the part of the body affected, as outlined in the benefit schedule.
- Natural Death: If the Assured dies from natural causes (age or disease), but not due to accident or violence.
Benefits:
- Capital Sum Insured: See Schedule attached
- Accidental Medical Expense: See Schedule attached
- Natural Death Benefit: See Schedule attached
Premium:
See Premium and Benefit schedule.
Schedule of Compensation:
| Injury | Percentage of Maximum Benefit |
|---|---|
| Death | 100% |
| Permanent total loss of sight of both eyes | 100% |
| Permanent total loss of sight of one eye | 100% |
| Loss of two limbs | 100% |
| Loss of one limb | 100% |
| Loss of one eye and one limb | 100% |
| Permanent total disablement including paralysis (as per scale below) | 100% |
| Loss of four fingers and thumb of one hand | 50% |
| Loss of four fingers | 40% |
| Loss of thumb – both phalanges | 25% |
| One phalanx | 10% |
| Loss of index finger – three phalanges | 10% |
| Two phalanges | 8% |
| One phalanx | 4% |
| Loss of middle finger – three phalanges | 6% |
| Two phalanges | 4% |
| One phalanx | 2% |
| Loss of ring finger – three phalanges | 5% |
| Two phalanges | 4% |
| One phalanx | 2% |
| Loss of little finger – three phalanges | 4% |
| Two phalanges | 3% |
| One phalanx | 2% |
| Loss of all toes | 15% |
| Great toe – both phalanges | 5% |
| Great toe – one phalanx | 2% |
| Other toes – each (if more than one) | 1% |
| Loss of sight (except perception of light) | 30% |
| Loss of lens of one eye | 50% |
| Loss of hearing – both ears | 75% |
| Loss of hearing – one ear | 15% |
It is agreed that “Loss” shall include “Total Loss of Use”.
Exclusions:
- War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.
- Naval, military or air force operations; winter sports (except skating/curling); skin diving with breathing apparatus; rock climbing or mountaineering; potholing; parachuting; horse hunting; racing; motorcycling or scooter riding (except mopeds); air travel (unless as passenger).
- Suicide, attempted suicide, intentional self-injury, or insanity.
- Deliberate exposure to danger (except life-saving), or criminal acts by insured.
- Being under influence of alcohol or drugs.
- Medical/surgical treatment for sickness only: venereal diseases, malaria treatment.
- Any other exclusions as specified in the policy.
ICA Orange Personal Accident policy Natural Death Extension(JOINT SILVER)
ICA Personal AccidentPolicy Description:Who can subscribe?·Anyone between the ages of 18 – 55 years who has an Orange mobileWho can be a selected family member?·Any family... Show More
Policy Description:
Who can subscribe?
·Anyone between the ages of 18 – 55 years who has an Orange mobile
Who can be a selected family member?
·Any family member (a parent, sibling, spouse or child) between the ages of 18 – 55 that the policy holder wants to protect against the insured peril.
How do I subscribe?
• By dialing e.g. *148# on Orange and follow the sign up instructions
• Through a dedicated Orange mobile agent
What information will I need?
·Full name of assured and selected family member
·Date of birth of assured and selected family member
·Phone number of assured and selected family member
·Relationship to selected family member
How do I pay the monthly premiums?
Premiums will be deducted automatically from insureds Orange Mobile Wallet
Risks Covered:
- Accidental Death: The insurer pays the sum insured in an event of accidental death of the insured to his/her named beneficiary(ies).
- Accidental Medical & Surgical:
- a) Permanent Total Disablement: If the insured has an accident that causes permanent disability lasting more than one month, compensation may be paid up to the sum insured based on the schedule below.
- b) Temporary Total Disablement: If the insured is partially disabled due to injury, a percentage of the sum insured will be payable depending on the part of the body affected, as outlined in the benefit schedule.
- Natural Death: If the Assured dies from natural causes (age or disease), but not due to accident or violence.
Benefits:
- Capital Sum Insured: See Schedule attached
- Accidental Medical Expense: See Schedule attached
- Natural Death Benefit: See Schedule attached
Premium:
See Premium and Benefit schedule.
Schedule of Compensation:
| Injury | Percentage of Maximum Benefit |
|---|---|
| Death | 100% |
| Permanent total loss of sight of both eyes | 100% |
| Permanent total loss of sight of one eye | 100% |
| Loss of two limbs | 100% |
| Loss of one limb | 100% |
| Loss of one eye and one limb | 100% |
| Permanent total disablement including paralysis (as per scale below) | 100% |
| Loss of four fingers and thumb of one hand | 50% |
| Loss of four fingers | 40% |
| Loss of thumb – both phalanges | 25% |
| One phalanx | 10% |
| Loss of index finger – three phalanges | 10% |
| Two phalanges | 8% |
| One phalanx | 4% |
| Loss of middle finger – three phalanges | 6% |
| Two phalanges | 4% |
| One phalanx | 2% |
| Loss of ring finger – three phalanges | 5% |
| Two phalanges | 4% |
| One phalanx | 2% |
| Loss of little finger – three phalanges | 4% |
| Two phalanges | 3% |
| One phalanx | 2% |
| Loss of all toes | 15% |
| Great toe – both phalanges | 5% |
| Great toe – one phalanx | 2% |
| Other toes – each (if more than one) | 1% |
| Loss of sight (except perception of light) | 30% |
| Loss of lens of one eye | 50% |
| Loss of hearing – both ears | 75% |
| Loss of hearing – one ear | 15% |
It is agreed that “Loss” shall include “Total Loss of Use”.
Exclusions:
- War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.
- Naval, military or air force operations; winter sports (except skating/curling); skin diving with breathing apparatus; rock climbing or mountaineering; potholing; parachuting; horse hunting; racing; motorcycling or scooter riding (except mopeds); air travel (unless as passenger).
- Suicide, attempted suicide, intentional self-injury, or insanity.
- Deliberate exposure to danger (except life-saving), or criminal acts by insured.
- Being under influence of alcohol or drugs.
- Medical/surgical treatment for sickness only: venereal diseases, malaria treatment.
- Any other exclusions as specified in the policy.
ICA Orange Personal Accident policy Natural Death Extension(JOINT GOLD)
ICA Personal AccidentPolicy Description:Who can subscribe?·Anyone between the ages of 18 – 55 years who has an Orange mobileWho can be a selected family member?·Any family... Show More
Policy Description:
Who can subscribe?
·Anyone between the ages of 18 – 55 years who has an Orange mobile
Who can be a selected family member?
·Any family member (a parent, sibling, spouse or child) between the ages of 18 – 55 that the policy holder wants to protect against the insured peril.
How do I subscribe?
• By dialing e.g. *148# on Orange and follow the sign up instructions
• Through a dedicated Orange mobile agent
What information will I need?
·Full name of assured and selected family member
·Date of birth of assured and selected family member
·Phone number of assured and selected family member
·Relationship to selected family member
How do I pay the monthly premiums?
Premiums will be deducted automatically from insureds Orange Mobile Wallet
Risks Covered:
- Accidental Death: The insurer pays the sum insured in an event of accidental death of the insured to his/her named beneficiary(ies).
- Accidental Medical & Surgical:
- a) Permanent Total Disablement: If the insured has an accident that causes permanent disability lasting more than one month, compensation may be paid up to the sum insured based on the schedule below.
- b) Temporary Total Disablement: If the insured is partially disabled due to injury, a percentage of the sum insured will be payable depending on the part of the body affected, as outlined in the benefit schedule.
- Natural Death: If the Assured dies from natural causes (age or disease), but not due to accident or violence.
Benefits:
- Capital Sum Insured: See Schedule attached
- Accidental Medical Expense: See Schedule attached
- Natural Death Benefit: See Schedule attached
Premium:
See Premium and Benefit schedule.
Schedule of Compensation:
| Injury | Percentage of Maximum Benefit |
|---|---|
| Death | 100% |
| Permanent total loss of sight of both eyes | 100% |
| Permanent total loss of sight of one eye | 100% |
| Loss of two limbs | 100% |
| Loss of one limb | 100% |
| Loss of one eye and one limb | 100% |
| Permanent total disablement including paralysis (as per scale below) | 100% |
| Loss of four fingers and thumb of one hand | 50% |
| Loss of four fingers | 40% |
| Loss of thumb – both phalanges | 25% |
| One phalanx | 10% |
| Loss of index finger – three phalanges | 10% |
| Two phalanges | 8% |
| One phalanx | 4% |
| Loss of middle finger – three phalanges | 6% |
| Two phalanges | 4% |
| One phalanx | 2% |
| Loss of ring finger – three phalanges | 5% |
| Two phalanges | 4% |
| One phalanx | 2% |
| Loss of little finger – three phalanges | 4% |
| Two phalanges | 3% |
| One phalanx | 2% |
| Loss of all toes | 15% |
| Great toe – both phalanges | 5% |
| Great toe – one phalanx | 2% |
| Other toes – each (if more than one) | 1% |
| Loss of sight (except perception of light) | 30% |
| Loss of lens of one eye | 50% |
| Loss of hearing – both ears | 75% |
| Loss of hearing – one ear | 15% |
It is agreed that “Loss” shall include “Total Loss of Use”.
Exclusions:
- War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.
- Naval, military or air force operations; winter sports (except skating/curling); skin diving with breathing apparatus; rock climbing or mountaineering; potholing; parachuting; horse hunting; racing; motorcycling or scooter riding (except mopeds); air travel (unless as passenger).
- Suicide, attempted suicide, intentional self-injury, or insanity.
- Deliberate exposure to danger (except life-saving), or criminal acts by insured.
- Being under influence of alcohol or drugs.
- Medical/surgical treatment for sickness only: venereal diseases, malaria treatment.
- Any other exclusions as specified in the policy.
ICA Orange Personal Accident policy Natural Death Extension(JOINT PLAT)
ICA Personal AccidentPolicy Description: Who can subscribe?·Anyone between the ages of 18 – 55 years who has an Orange mobileWho can be a selected family member?·Any... Show More
Policy Description:
Who can subscribe?
·Anyone between the ages of 18 – 55 years who has an Orange mobile
Who can be a selected family member?
·Any family member (a parent, sibling, spouse or child) between the ages of 18 – 55 that the policy holder wants to protect against the insured peril.
How do I subscribe?
• By dialing e.g. *148# on Orange and follow the sign up instructions
• Through a dedicated Orange mobile agent
What information will I need?
·Full name of assured and selected family member
·Date of birth of assured and selected family member
·Phone number of assured and selected family member
·Relationship to selected family member
How do I pay the monthly premiums?
Premiums will be deducted automatically from insureds Orange Mobile Wallet
Risks Covered:
- Accidental Death: The insurer pays the sum insured in an event of accidental death of the insured to his/her named beneficiary(ies).
- Accidental Medical & Surgical:
- a) Permanent Total Disablement: If the insured has an accident that causes permanent disability lasting more than one month, compensation may be paid up to the sum insured based on the schedule below.
- b) Temporary Total Disablement: If the insured is partially disabled due to injury, a percentage of the sum insured will be payable depending on the part of the body affected, as outlined in the benefit schedule.
- Natural Death: If the Assured dies from natural causes (age or disease), but not due to accident or violence.
Benefits:
- Capital Sum Insured: See Schedule attached
- Accidental Medical Expense: See Schedule attached
- Natural Death Benefit: See Schedule attached
Premium:
See Premium and Benefit schedule.
Schedule of Compensation:
| Injury | Percentage of Maximum Benefit |
|---|---|
| Death | 100% |
| Permanent total loss of sight of both eyes | 100% |
| Permanent total loss of sight of one eye | 100% |
| Loss of two limbs | 100% |
| Loss of one limb | 100% |
| Loss of one eye and one limb | 100% |
| Permanent total disablement including paralysis (as per scale below) | 100% |
| Loss of four fingers and thumb of one hand | 50% |
| Loss of four fingers | 40% |
| Loss of thumb – both phalanges | 25% |
| One phalanx | 10% |
| Loss of index finger – three phalanges | 10% |
| Two phalanges | 8% |
| One phalanx | 4% |
| Loss of middle finger – three phalanges | 6% |
| Two phalanges | 4% |
| One phalanx | 2% |
| Loss of ring finger – three phalanges | 5% |
| Two phalanges | 4% |
| One phalanx | 2% |
| Loss of little finger – three phalanges | 4% |
| Two phalanges | 3% |
| One phalanx | 2% |
| Loss of all toes | 15% |
| Great toe – both phalanges | 5% |
| Great toe – one phalanx | 2% |
| Other toes – each (if more than one) | 1% |
| Loss of sight (except perception of light) | 30% |
| Loss of lens of one eye | 50% |
| Loss of hearing – both ears | 75% |
| Loss of hearing – one ear | 15% |
It is agreed that “Loss” shall include “Total Loss of Use”.
Exclusions:
- War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.
- Naval, military or air force operations; winter sports (except skating/curling); skin diving with breathing apparatus; rock climbing or mountaineering; potholing; parachuting; horse hunting; racing; motorcycling or scooter riding (except mopeds); air travel (unless as passenger).
- Suicide, attempted suicide, intentional self-injury, or insanity.
- Deliberate exposure to danger (except life-saving), or criminal acts by insured.
- Being under influence of alcohol or drugs.
- Medical/surgical treatment for sickness only: venereal diseases, malaria treatment.
- Any other exclusions as specified in the policy.
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