Accident Benefit Riders

Three two options pay additional benefits in the event of Accidental Death, Accidental dismemberment and Accidental Total or Temporary Disability, as follows:

More Riders

Critical Illness Rider

Safeguarding the future of your dependants on your premature death is obviously essential. But what about the financial hardship which can be caused if serious illness strikes? You might need cash to help you through a period of convalescence and you may well be faced with hefty hospital bills.

ICEA’s Critical Illness Rider makes a lumpsum cash payment if the policyholder is diagnosed with one listed critical illnesses – providing you with a vital cash lifeline just when you need it most. An advance payment of 30% of the sum assured, subject to an absolute maximum of Kshs.3,000,000 is payable if you were diagnosed as suffering from one of the following illnesses or conditions:

• Heart Attack;

• Coronary Artery Disease Surgery;

• Stroke;

• Kidney Failure;

• Cancer;

• Major organ Transplant or surgery;

• Paraplegia and;

• Paralysis.

Critical Illness Rider ensures that a lumpsum is paid early upon diagnosis of a terminal illness in the event of diagnosis of qualifying critical or terminal illnesses. This allows the policyholder to make arrangements for his/her dependents whilst he/she is still alive.

More Riders

Waiver of Premium Rider

Illness or disability can have a serious effect on savings provision if it prevents you from working for any length of time. More immediate financial obligations will often take priority. By choosing the Waiver of Premium option, your contributions would be maintained for you should you suffer permanent disability, if you fall ill, or have an accident and be unable to work for more than six (6) months.

This means that if illness prevents you from working, your monthly premiums are paid on your behalf by ICEA LTD after a set deferment period.

More Riders