Protect your family if the unthinkable happens with life insurance from Zain

Article (1): Basic Conditions

This insurance covers natural death or death resulting from an accident or death resulting from COVID 19

If the insurance company became aware after the death of the insured that at the time of concluding the contract he concealed a matter or provided inaccurate information which is of consequence insofar as the risks involved in the assessment of the insurance company, and in such case the insurance company is not obligated towards the beneficiaries.

This contract was concluded based on the information declared by the holder of the policy or the insured or both of them in writing in the insurance request or through the electronic platform or in the medical examination report or any other document submitted to the insurance company by one of them. The two parties agree that the information will be the foundation of the contract and an integral part thereof.

Article (2): Insurance Premiums

The monthly premium determined under this contract which is stated in the policy schedule at the start of the month, which is immediately payable to the insurance company or against an electronic receipt issued by the insurance company or whom it delegates for this purpose.

The monthly premium determined under this contract which is stated in the policy schedule at the start of the month.., which is immediately payable to the insurance company or against an electronic receipt issued by the insurance company or whom it delegates for this purpose.

Article (3):Verification of Age

The insurance company reserves the right to demand an ascertainment of the age of the insured, and in case the age declared is less or more than the real age specified by the company for this insurance within the exceptions there will not be indemnification pursuant to the provisions of this contract.

Article (4): Capital Punishment

In case capital punishment is administered to the insured by virtue of a judicial decision, the insurance company is not obligated to pay any sum as per what is stated in the exceptions.

Article (5): Condition of payment to the beneficiaries

A copy of the Civil status ID card or the unified ID Insurance Card

Death certificate of the insured which is official, certified and stamped.

A report on the occurrence of the incident in case the death was the result of an accident

Article (6): Exceptions

Illegal behavior to be subject to an intentional accident or in case the insured is in a state of madness or mental disturbance.

Participation in war or military operations and/or quasi military operations whether the war is declared or undeclared, invasion, the actions of a foreign enemy, a hostile attack, acts of aggression, military government and the usurpation of power, a state of siege, martial law or any events which necessitate the declaration or maintenance of martial law or a stage of siege.

Occurrence of an accident under the influence of alcoholic beverages or medicines that are not prescribed by an accredited physician.

The regular or temporary military or police duties and responsibilities.

Accidents, wounds, illnesses or deformities resulting from military actions or in wilful breach of the law whether the insured is of sound mind or not.

The practice of risky sports and car and motorcycle races of professionals and amateurs, rallies, horse racing, professional boxing, mountain climbing, skiing or tube riding outside the scope of the regular or accepted passage designated for such (extreme skiing), Cave Diving, riding boats and white water rafting, martial arts, Acrobatic Sports of all kinds, bungee jumping, paragliding, delta wings sport, parachute jump, and all sports that are professionally exercised and participation in competitions and games.

Any criminal action or all the direct consequences of criminal action carried out by an insured person.

The direct or indirect effects of explosions or heat emissions, or the inhalation or exposure to radiation resulting from the occurrence of transformations in the nucleus of atoms.

The consequences associated with an aviation accident are not covered unless the insured is on board of one of the public transport vehicles for passengers which is licensed to fly based on a certificate of air navigation and with a captain who holds a certificate and license that are valid.

Pregnancy or birth or abortion or disability or illness from which the insured suffered prior to the insurance.

Article (7): Waiting Period

The coverage is valid after (30) days from the first subscription date of the insurer without interruption and continues for a period of (30) days automatically renewable.

<strong>Covers death (any cause) </strong>

Life Diamond Cover (IQD 37,200)

Report the situation to the relevant law enforcement agency and make sure that a written protocol or an administrative act is produced by the officers in charge at the scene;

Log into your insurance dashboard at customer.salamtak.me and submit your claim along with necessary documentation.

This insurance covers natural death, accidental death, or death resulting from COVID-19

2. The insurance company is entitled to request the performance of the medical examination for the insured to be carried out by the physician designated (recommended) by the insurance company as a prerequisite for its agreement to concluding the insurance without prejudice to its right to litigation in respect of the validity and soundness of this contract, in case it became subsequently evident that the insured mentioned in the health data form related to the medical examination inaccuracies, or that he refrained from mentioning the relevant facts, which he is aware of or that he should be knowledgeable about, and which are relevant to the evaluation of his health condition by the physician at the time of concluding the contract

Less than 17 years and above 70 years upon the occurrence of death.

Suicide or any suicide attempt whether the mind is sound or unfit.

Life Platinum Cover (IQD 22,800)

This insurance covers natural death or death resulting from an accident or death resulting from COVID-19

The insurance company is entitled to request the performance of the medical examination for the insured to be carried out by the physician designated (recommended) by the insurance company as a prerequisite for its agreement to concluding the insurance without prejudice to its right to litigation in respect of the validity and soundness of this contract, in case it became subsequently evident that the insured mentioned in the health data form related to the medical examination inaccuracies, or that he refrained from mentioning the relevant facts, which he is aware of or that he should be knowledgeable about, and which are relevant to the evaluation of his health condition by the physician at the time of concluding the contract

Life Gold Cover (IQD 11,400)

Log into your insurance dashboard at customer.salamtak.me and submit your claim along with the necessary documentation.