The product comes with two (2) options depending on the death and hospitalisation amount payable as shown below:

Policyholders are free to choose the option they want between the two options available.

The plan offers the following hospitalisation cash benefits:

• Pays a fixed amount per day (a complete 24-hour period) the policyholder spends at the hospital regardless of the actual expense incurred
• The hospitalisation benefit payment is subject to 5 days per visit and a maximum of 10 days in a year Up to a maximum of two (2) visit per year is covered in case of hospitalisation

• There is a ?at death benefit amount payable only on death (from all causes) of the customer
• There is a 3-month waiting period for death from natural causes
• If death is as a result of an accident any time during the waiting period, the Company will pay out the full amount of cover

This a pure risk policy and does not have any surrender nor maturity benefit.

Premium can be paid through the following channels:

• Complete a direct debit form
• Complete a standing instruction form with your bank
• Electronic transfer from your account to our account (See details below)
• Deposit into our bank account (See details below)

Please include your name and policy number on allpayments.

Do not pay cash to/through our Financial Advisor or sta?. Our account details are as follows:

FBNInsurance Limited First Bank Account: 2017174914

In the event of the death of the policyholder, please take thefollowing steps:

• Lodge a formal request by walking into any of our outlets or by sending an email to wecare@sanlam.com.ng
• Submit copies of the following documents:
  (1) Last attending Doctor’s report
  (2) Death certificate from National Population Commission
  (3) Federal fioad Safety Corps report or Police report if death is as a result of accident
  (4) Valid ID card of beneficiaries
  (5) Policy Schedule or form (where applicable)
• Additional documentation may be required