The Comfort Plan has the purpose of guaranteeing the payment of the contracted benefit to the policyholder or to his beneficiaries, in the event of death, except if resulting from risks that are excluded under the general policy conditions.
It is composed by a basic coverage and allows the association of several additional benefits (children, parents, spouse, cousins, etc.), which can be integrated to the same policy.
Main Advantages
- Payment of the contracted benefit for funeral expenses;
- Assure the financial stability of the Client's family in case of death;
- Guarantees a fixed monthly indemnity (MZN 5.000,00) for a period of 12 months after the accidental death of the principal member;
- Offers a variety of coverage options;
- The premium contracted at subscription is for life, there is no adjustment of the premium value over the years;
- It does not establish an age limit for permanence (lifetime coverage);
- It allows the reimbursement of 20% of the global premium paid after 5 years of consecutive payment (regardless of whether or not there have been claims over the 5 years);
Besides the funeral coverage, there is life insurance and other benefits (optional and subject to an additional premium) that can be contracted, as indicated below:
- Life Insurance with a benefit of up to MZN 1,000,000 for the insured and spouse;
- Family benefit a fixed monthly indemnity for a period of 12 to 60 months (depending on the package chosen) after the death of the principal member (additional to that established in the base coverage).
Payment Methods
- Annual, Semi-Annual, Quarterly or Monthly
Covers
-
| |
Covers |
| Benefit |
Minimum |
Maximum |
Multiples |
| Funeral - Policyholder |
25,000 |
250,000 |
25,000 |
| Accidental Death Benefit (12 months) |
5,000 |
5,000 |
N/A |
| Funeral benefit for other insured persons |
| Spouse |
25,000 |
250,000 |
25,000 |
| Children |
25,000 |
100,000 |
25,000 |
| Additional children |
25,000 |
100,000 |
25,000 |
| Parents and in-laws |
10,000 |
100,000 |
10,000 |
| Extended Family |
10,000 |
50,000 |
10,000 |
| Family Provider |
| Policyholder (12 to 24 months) |
2,500 |
10,000 |
2,500 |
| Spouse (12-24 months) |
2,500 |
10,000 |
2,500 |
| Life Insurance |
| Policyholder |
50,000 acima do benefício funeral contratado |
1,000,000 |
50,000 |
| Spouse |
50,000 acima do benefício funeral contratado |
Adicionado ao limite do tomador |
50,000 |
| Accidental Death Income - Policyholder |
| 12 month |
10,000 |
80,000 |
5,000 |
| 24 month |
10,000 |
45,000 |
5,000 |
| 36 month |
10,000 |
25,000 |
5,000 |
| 48 month |
10,000 |
20,000 |
5,000 |
| 60 month |
10,000 |
15,000 |
5,000 |
| Accidental Death Income - Spouse |
| 12 month |
10,000 |
80,000 |
5,000 |
| 24 month |
10,000 |
45,000 |
5,000 |
| 36 month |
10,000 |
25,000 |
5,000 |
| 48 month |
10,000 |
20,000 |
5,000 |
| 60 month |
10,000 |
15,000 |
5,000 |
- Premium Value (monthly)
Base coverage (funeral coverage):
- Minimum: MZN 175.21 - Corresponding to the age of 18 - 25 years for a capitalde MZN 25,000.00
- Máximo: MZN 1.112.96 - Corresponding to an age of 71 - 75 years for a capital of MZN 250,000.00MZN
