Terms and Conditions



The premium will be deducted from the member’s savings and the member should ensure that the same is replaced within the course of the year.

The cover has three months (90 days) waiting period from inception on natural deaths, and non for accidental deaths

  • Cover is 24 hours’ worldwide basis
  • Principal Member and Spouse minimum entry age is 18 years and Maximum age at entry is 75 years. Maximum coverage age is 85 Years.
  • Parents/Parents in Law maximum age entry is 80 Years and Maximum coverage is age 90.
  • Definition of a child: A child born to the members of the society who is unmarried and under the age of 25 Years. Insurable age is from 6 months to 25 years’ subject to the child being still unmarried and in the custody of the parents/members.