Life has many uncertainties and it makes sense to protect your loved ones as best as you can. However, everyone has different priorities and needs, and it makes no sense to pay for something you don’t need, or which doesn’t provide adequate protection. That’s why we offer you the opportunity to tailor make protection to suit your own individual circumstances.
With Circles of Protection you can build the ideal protection for you from a range of options; you just choose the ones that are right for you.
Circle 1 offers protection against accidental death, permanent total and partial disability with guaranteed cash payments to yourself or your loved ones
Circle 2 offers a weekly accident disability income for up to two years, replacing lost income if you are unable to work as a result if an accident. This option is only available if you take out Circle 1
Circle 3 offers accident medical expense reimbursement – total blanket protection for reasonable accident medical expenses in and out of hospital. Only available if you take out Circle 1
Circle 4 offers Hospital Health Care which provides income for you and your family if you stay in hospital due to accident or sickness. You also have the option to cover surgical expenses
Circle 5 guarantees a monthly income for life for yourself or your loved ones in the event of death or disability caused by an accident.
You can also include war coverage for protection against accidental death, permanent total disability and accident medical expenses for injury in the event of war.
The quote below is for Circle 1 and the benefits that you can choose from are:
AD - Accidental death
PTD - Permanent total disability
PPD - Permanent partial disability
DI - Double indemnity
CC - Common carrier
FL - Flight