In the event of death* or total disability due to illness or accidents anywhere in the world, Gain 1st 200 will cover you 24 hours a day, seven days a week.
If you have not made a claim throughout the entire duration of the policy you will receive the full return stated in your initial policy.
(*excludes suicide within the first year)
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1. If death occurs during the policy |
1.1 During 1st and 2nd year: Receive 100% of the insured coverage 1.2 During 3rd and 4th year: Receive 150% of the insured coverage 1.3 During 5th and 10th year: Receive 180% of the insured coverage |
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2. If no death occurs during policy |
2.1 At the end of 5th to 9th year: Receive 5% of the insured coverage 2.2 Combined return throughout the policy term: 175% of the insured coverage |
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3. Permanent disability before 60 years old |
In the case of an accident or medical condition resulting in permanent disability during the policy, policy holders will be exempt from further premium payments. |
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