This is a combined insurance policy tailor-made to provide insurance cover for individuals, families and microentrepreneurs.

Benefits and features:

• This product covers against property (buildings and household property) loss/damage arising from

1. Fire andallied perils (fire, lightning, impacts, water, wind, hail, limited explosions, etc.),
2. Burglary (forced and violent entry to insured premises
3. Can be extended to cover legal and funeral expenses.

• Cover (Sum Insured) up to maximum limit of $……
• Minimum annual premium $……

This is a combined insurance policy tailor-made to provide insurance cover for SMEs

Features and benefits:

This product covers:

• Property (buildings, office equipment and machinery) loss/damage arising from

1. Fire &perils (fire, lightning, impacts, water, wind, hail, limited explosions, etc.),
2. Burglary (forced and violent entry to insured premises),

• Legal expenses
• Can be extended to cover risks such as money, fidelity guarantee, etc.
• Cover (Sum Insured) up to maximum limit of $……
• Minimum annual premium $……

Nature of business and location not restricted

This is a cover that provides daily benefit following continuedhospitalisation.Annual Premium $……. (Monthly/weakly premium $….]

Benefits and features:

• Fixed [daily]benefit[of $…….subject to a maximum of benefit/claim of $…… per event]
• No proof of supporting bills but evidence of hospitalisation is needed.
• Cover starts from the 3^rd
• Maximum benefit of [$……] per event
• Age limit on entry maximum 65 years.
• Waiting period of 3 months for natural illness.
• No waiting period in case of an accident.
• Pre-existing conditions are covered after a waiting period of 6 months.
• Cover is for a period of 1 month and automatically renewed.

Benefits and features:

This is a cover that provides weekly benefits following continuedhospitalisation of the insured, her/his spouse and 2 biological child under the age of 18.

• Weekly benefits – The weekly benefit shall be limited to a maximum of $……. and the total claim/benefit cannot exceed $……per event
• 3 – 7 nights in hospital: 1 (one) week’s earnings/profit/ loan instalment
• 8 – 14 nights: 2 (two) week’searnings/profit/loan instalment
• 15 – 21 nights: 3 (three) week’s earnings/profit/loan instalment
• 22 – 28 nights: 4 (four) week’s earnings/ profit/ loan instalment
• Over 28 nights : Up to 6 (six) weeks earnings/ profit/ loan instalment

Features

• No proof of supporting bills but evidence of hospitalisation is needed.
• Cover starts from the 3^rd
• Maximum benefit of [$]
• Age limit on entry maximum 65 years.
• Waiting period of 3 months for natural illness.
• No waiting period in case of an accident.
• Pre-existing conditions covered after 6 months waiting period.

This product is designed to provide protection to individuals, families and groups against personal accident risk. There is an additional funeral cash benefit to meet funeral expenses in the unfortunate event of death of the insured member.

Benefits and features

• This product covers against accidental death, total permanent disability, medical expenses and last expense (funeral) benefit of oneself and family in the event of death from accidental, illness or natural cause.
• Available to an individual or a family package (Spouse and up to two children included)
• Annual premium is as low as $….. for an individual
• In the event of an accidental death both, death and funeral benefit is payable.
• Age limit minimum 3 months (children) and 65 years (adults)

Eligible Market

Everyone including individuals (informal & formal sector) and groups e.g. corporate, schools, universities, associations or unions in various sectors.

This product helps clients with legal representation and advice. It provides cover for common issues such as:

• Unfair dismissal, or discrimination at work;
• Injury from an accident that was not your fault; or
• Disputes involving faulty goods or services.
• Enforcing consumer rights

• Exclusions
  • Pre-existing matters
  • Cases that are not deemed to have a reasonable prospect of success
  • Cases where costs are high relative to the value of the settlement
  • Business matters
  • Collective or group action
  • Any matter that could be resolved by paying an admission of guilty fine
  • Tenant and landlord related matters (where the client is the landlord)
  • A dispute between the client and Clientsure including any of its subsidiary or related company.
  • Serious offences such as robbery, fraud and murder

This product is meant to provide protection to microfinance institutions and other organizations that sell goods and services on credit.

• It pays off the outstanding loan (ordinary, salary-based & mortgage) in event of natural and accidental death of the insured; 
• It also provides a funeral benefit in the event of death of the borrower.
• It can be extended to provide groceries allowance (for period of …… months) school fees allowance (maximum benefit of $….) and hospitalisation benefits (maximum benefit of $…., payable over ….. months) to the family of the deceased