In the event of death* or total disability due to illness or accidents anywhere in the world, Gain 1st 220 will cover you 24 hours a day, seven days a week.
If you have made no claims 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. In case there is no death during the policy. |
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1.1 From the first year to the fifth year of the policy, policy holders will receive 4% of the total sum insured. |
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1.2 From the fifth to the tenth year of the policy, policy holders will receive 5% of the total sum insured.
1.3 From the tenth year to the fifteenth year of the policy, policy holders will receive 6% of the total sum insured. |
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1.4 At the end of the fifteenth year of the policy, policy holders will receive a 145% savings bonus on the initial insured coverage.
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2. In case of death during the policy. |
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2.1 Coverage for the first year starts at 110% of the original sum insured, and increases by 5% each year to 150% of the original sum insured in the ninth year. |
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2.2 Coverage for the tenth year starts at 160% of the total sum insured, and increases by 10% each year to 190% of the original sum insured in the thirteenth year of the policy. |
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2.3 In the fourteenth and fifteenth year of the policy, policy holders will receive 200% of the total sum. |
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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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