SWIS-F Insurance

Accident could be an unfortunate misfortune in different forms. It is more worrisome when it concerns the continued existence of our loved ones living their daily normal life. In view of this, we have gone ahead to design this policy for your wellbeing and that of your loved ones when the unfortunate happens. We urge you to give a meaning to your life and enhance the future of your family members even when you are gone.

THE PRODUCT

If during the Period of Insurance the insured shall sustain bodily injury solely and independently of any other cause by accidental, violent, external and visible means resulting in death or disablement, the Company will pay compensation or in the case of death to his legal representatives, compensation as provided by items 1-3 below.

SCOPE OF COVER

1. CONTINUOUS FAMILY WELLBEING

a) LUMP SUM PAYMENT 
The policy provides a lump sum payment to ensure that your loved ones are protected from financial burdens that can arise if and when death comes.

b) BURIAL EXPENSES
An extra payment is made to the family members to support them for the burial expenses.

c) TRANSPORTATION COST
Family members are also entitled to a fixed amount to settle part of the transportation cost to be incurred during the burial.

2. OUT-OF-WORK BENEFITS DUE TO ACCIDENT

The policy also pays a lump sum in the event of Permanent Disability whereby the insured is incapacitated such that certain part(s) of the insured body is/are totally or partially ineffective and cannot allow the insured to attend to his or her normal work.

3. MEDICAL EXPENSES

The policy shall pay for your incurred expenses in respect of Medical, Surgical and Transportation where you suffered bodily injury as a result of an accident covered under the policy.

SPECIAL FEATURES

• Affordable premium
• Free cover for 4th child
• Strike riot and civil commotion
• Non professional sporting activities
• All forms of traveling.
• Death arising from child bearing.
• No geographical limitation or restriction.

EXCEPTIONS

This policy does not apply to bodily injury whether fatal or non-fatal directly or indirectly caused by, arising or resulting from or traceable to:-

• Influence of intoxicating liquor or of a drug or is in a state of insanity;
• Suicide or attempted suicide, war, invasion, act of foreign enemy, hostilities (whether war be declared or not) civil war, rebellion.
• Mountaineering skiing tobogganing bob-sleighing hunting or participating in speed or duration tests or races of any kind (other than athletics).
• All professional sports

All professional sports

PROPOSED ANNUAL PREMIUM Adult - =N=1,500.00 each
Children - =N=250.00 each

Please note that compensation can be varied upward as you want once you are prepared to pay the commensurate additional premium.

Further note that persons between ages 18 (last birthday) and 65 years are regarded as adults while persons between ages 5 (last birthday) and 17 years are regarded as children.