the uganda insurance industry at a glance … product profiling report (final).pdf · the...
TRANSCRIPT
JUNE 2017
THE UGANDA INSURANCEINDUSTRY AT A GLANCEPRODUCTS PROFILE ASAT 20TH JUNE 2017
To create an enabling regulatory environment for sustainable growth of the insurance industry while upholding the international best practices.
The Uganda Insurance Industry at a GlanceProducts Profile as at 20th June 2017
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This study was conducted by the Authority in order to identify and document all active products that are sold by insurance companies and Health Management Organisations (HMOs) in Uganda. The main objective of the study is to develop an updated public information database with an aim of promoting market development based on empirical data.
Whereas all efforts were made to reach out to all insurance companies and HMOs, some companies did not provide the required information. Nevertheless, the information documented in this report gives a fair representation of the market outlook.
It is our hope that this report will be useful to those seeking to identify particular products on the market. It will also act as a baseline upon which progress in products development will be assessed in the coming years.
Whereas all efforts have been made to capture the information as accurately as possible, ultimate decisions on particular products should be made on the basis of primary information from the respective insurers/HMOs. This will also take care of the changes that may have been incomporated after the period in question.
We are greatly indebted to those players whose invaluable input shaped this report. The Authority is appreciated for availing resources which made it possible to put this information together.
IRA’s Research Team - Protazio Sande (Asst. Director Market Research and Development)
Ivan Kilameri (Actuarial Officer/Statistician)
iThe Uganda Insurance Industry at a GlanceProducts Profile as at 20th June 2017
PREFACE
The Uganda Insurance Industry at a GlanceProducts Profile as at 20th June 2017ii
ww
w.ira.go.ug DEFINITION OF KEY INSURANCE TERMS
Term Meaning
Cover: Insurance provided by the insurer for the insured.
Deductible A deductible is the amount of money an individual pays for a claim before his insurance cover starts to pay.
Exclusion An exclusion is a policy provision that eliminates coverage for some types of risk. Exclusions narrow the scope of coverage provided by the policy.
Insurance: Mechanism whereby the risk of financial loss is transferred from an individual, company, organization or other entity to an insurance company.
Insured: Party who has acquired the insurance and will be entitled to claim under the policy as a party to the contract.
Lapse All benefits to the policyholder cease and are terminated due to non payment of premium amount on the due date or even after the grace period.
Peril A specific risk or cause of loss covered by an insurance policy, such as a fire, windstorm, flood, or theft.
Policy: Document evidencing the contract between the insurer and the insured.
Policyholder: Person in whose name the policy is issued.
Premium: Consideration paid/payable by the insured in return for the insurance cover provided by the insurer.
Reinstatement If an insured person fails to pay the premium due to various circumstances and as a result the insurance policy gets terminated, then the insurance coverage can be renewed. This process of putting the insurance policy back after a lapse is known as reinstatement
Rider A rider is an add-on provision to a basic insurance policy that provides additional benefits to the policyholder at an additional cost.
Surrender Value It is the amount the policyholder will get from the life insurance company if he decides to exit the policy before maturity
Third Party: Anyone else who is involved in a loss event, which may or may not result in a claim. For example, in motor insurance a third party may be another vehicle owner, property owner, or persons such as passengers or pedestrians.
iiiThe Uganda Insurance Industry at a GlanceProducts Profile as at 20th June 2017
i PREFACE
ii DEFINITION OF KEY INSURANCE TERMS
CHAPTER 101 INSURANCE REGULATORY AUTHORITY OF
UGANDA
02 OVERVIEW OF THE INSURANCE SECTOR – INSURERS AND HMOs AS AT 1ST JANUARY 2017
CHAPTER 203 AN UNDERSTANDING OF PRODUCT
LIFE CYCLE
CHAPTER 307 GENERAL DESCRIPTION OF NON-LIFE
INSURANCE PRODUCTS
CHAPTER 408 MATRIX OF STANDARD NON-LIFE
INSURANCE PRODUCTS
CHAPTER 514 MATRIX SHOWING PRODUCTS OFFERED BY
EACH NON-LIFE COMPANIES
CHAPTER 616 UNIQUE NON-LIFE INSURANCE PRODUCTS
CHAPTER 731 GENERAL DESCRIPTION OF LIFE INSURANCE
PRODUCTS
CHAPTER 834 GENERAL DESCRIPTION OF LIFE INSURANCE
PRODUCTS
CHAPTER 961 HEALTH MANAGEMENT ORGANISATIONS
PRODUCTS
CHAPTER 1085 CONCLUSION
TABLE OF CONTENTS
The Uganda Insurance Industry at a GlanceProducts Profile as at 20th June 2017iv
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Justice is the insurance which we have on our lives and property. Obedience is the premium which we pay for it.
William Penn
The Insurance Regulatory Authority of Uganda was established under Section 14 of the Insurance Act (Cap 213) Laws of Uganda, 2000 (as amended) with the main objective of “Ensuring effective Administration, Supervision, Regulation and Control of the business of insurance in Uganda”. The Authority is the Supervisor and Regulator of the insurance industry in Uganda.
Our Mission
To create an enabling regulatory environment for sustainable growth of the insurance industry while upholding the international best practices.
Our Vision
A Vibrant and Secure insurance industry
Our Values
The Authority’s five core values are:
i) Professionalism
ii) Integrity
iii) Accountability
iv) Team Work
v) Transparency
One of the key mandates of the Authority is to licence insurance players. Here below is a chart showing the players' licensed for the year 2017.
01The Uganda Insurance Industry at a GlanceProducts Profile as at 20th June 2017
INSURANCE REGULATORYAUTHORITY OF UGANDA
CHAPTER 1
Alli
ance
Afr
ica
APA
Insu
ranc
e
Brita
m In
sura
nce
CIC
Gen
eral
East
Afr
ican
Und
erw
rite
rs
Exce
l Ins
uran
ce
Firs
t Ins
uran
ce
Gol
dSta
r
ICEA
Gen
eral
Lion
Ass
uran
ce
NIC
Gen
eral
Sanl
am G
ener
al
Nov
a In
sura
nce
Pax
Insu
ranc
e
Phoe
nix
Rio
Insu
ranc
e
Stat
ewid
e
Ju
bile
e
Tra
nsA
fric
a
UA
P In
sura
nce
Uga
nda
Ltd
CIC
Afr
ica
Life
Ass
uran
ce
ICEA
Life
Ass
uran
ce C
o. L
td
Libe
rty
Life
Ass
uran
ce C
o
NIC
Life
Ass
uran
ce C
o. L
td
Prud
entia
l Ass
uran
ce (
U)
Ltd
The
Jub
ilee
Life
Insu
ranc
e C
o.
Sanl
am L
ife In
sura
nce
Co.
Ltd
UA
P Li
fe A
ssur
ance
Uga
nda
AA
R H
ealth
Ser
vice
s (U
)
Cas
e M
ed C
are
Lim
ited
Inte
rnat
iona
l Air
Am
bula
nce
Inte
rnat
iona
l Med
ical
Lin
k
Kam
pala
Inte
rnat
iona
lM
edic
al C
entr
e
St. C
athe
rine
's H
ospi
tal
Met
ropo
litan
Life
9 LI
FE IN
SUR
ERS
6 H
EALT
H M
AN
AG
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TO
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AN
ISA
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20 N
ON
-LIF
E IN
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ERV
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OF
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E IN
SUR
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TO
R –
INSU
RER
S A
ND
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Os
AS
AT
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JA
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AR
Y 2
017
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017
02 www.ira.go.ug
When considering investing in research, development and design of a new product, the business firm needs to be aware of the product life cycle (PLC) associated with the products in its portfolio. This is particularly because, the stages of a product in the cycle relates closely to the pattern of sales. Whereas there is no universal duration of the life cycle of all products, it is important that business firms adapt the marketing mix in order to respond to changes in the market. Marketing strategies such as seeking new markets, promotion, pricing and developments that add value can extend the Product Life Cycle. As seen above, a number of the products have been in existence for such a long period to warrant reviews.
STAGE DESCRIPTIONDevelopment New ideas are generated and processes tested
Introduction Strong advertising and promotion campaigns – low sales initially
Growth Increased awareness, increased sales - competetors start to challenge
Maturity Sales reach peak, the cost of supporting the product declines, market share may be high and comptetion likely to be greater
Saturation Product outlives/outgrows its usefulness – more superior and attractive options take over the market share.
The understanding of the product life cycle and particularly extension strategies, based on among other things, adding value through product development and competitive pricing, can help to keep a firm in comfortable market position by enabling it to identify and position itself to increase sales into new markets.
On the Authority’s part, one single most significant challenge is to be vigilant in the protection of consumers, especially in light of the changes taking place in the financial services marketplace. Inspired by this core focus, Knowledge of what products and services are available and which might be most applicable to the customers’ circumstances is therefore important.
PRODUCT DEVELOPMENT PROCESS
The process of product development consists of the following 5 key stages:
i. Coming up with a product idea
ii. Researching the idea
iii. Designing and planning
iv. Implementing
v. Monitoring
The process of product development seeks to address important questions which when not adequately resolved, it becomes a futile exercise. These questions are summarised in the infographics below:
03The Uganda Insurance Industry at a GlanceProducts Profile as at 20th June 2017
AN UNDERSTANDING OF PRODUCT LIFE CYCLE
CHAPTER 2
It is important to note that product development should be informed by market research to avoid developing products that have no appeal to the potential consumers. The product development process can move back and forth between each stage as and of when need arises. For example, during the design stage, it is always possible (and is absolutely normal) to go back to the research stage if an aspect of the product is deemed to require more indepth understanding. THE PRODUCT DEVELOPMENT CYCLE is illustrated below:
Product Idea
Research
Design/plan
Implement
Launch
Monitor
Product idea: Many ideas are generated every day but not all ideas should actualise into products. An idea becomes a good idea if it informs the development of a new product that:
I. Fills a need or solves a problem (not already addressed by existing products);
II. Is consistent with company goals and strategies; and
III. Is legal and does not make the regulator unhappy or uncomfortable.
As noted from the profiled products above, most of them do not pass test (I) above given the fact that most companies just duplicate the existing products with very minimal changes in the principal features. This has limited the degree of penetration of insurance in Uganda. Companies that will appeal to the public will be those that will source ideas from:
I. Inspiration / creative genius;
II. More mature markets;
The Uganda Insurance Industry at a GlanceProducts Profile as at 20th June 201704
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III. Competitors’ new products;
IV. Reinsurers;
V. Intermediaries;
VI. Consumer focus groups;
VII. Gap in existing product range; and
VIII. Outdated / unprofitable / excessively risky existing products.
Thinking outside the box could also be a good starting point in generating product ideas. A report in January 2016, by the GSMA mobile money for the unbanked programme indicated that, out of the 33 million Kenyans who owned mobile phones, 26.7 million had registered mobile transfer service accounts. It is important to note that majority of these Safaricom customers are the “mama mbogas”, kiosk owners, newspaper vendors and the “jua kalis” and are recognised as the real drivers of the company according to the report. And yet they, and many like them in Uganda, continue to be excluded from actively participating in the future of insurance because nobody has looked to them as the potential driver for growth. This may be the right time to look at them and propose solutions that suit their circumstances. This is the true essence of thinking outside the box.
Research
Research is the systematic investigation into and study of materials and sources in order to establish facts and reach new conclusions. Just like any scientific inquiry, product development should be informed by rigorous investigations to determine if it is feasible to develop and offer a given new product. Research may include investigation into:
I. Competitor product analysis;
II. Exisisting product risks and constraints; and
III. Developments in the distribution, competitor intelligence, marketing, legal, tax, valuation, finance, investments, IT, among others.
Designing and planning
Once research has been concluded, the various facts and interrelationships are logically connected to develop the inner workings and mechanics otherwise called product design. This phase should also involve:
I. Developing pricing models;
II. Deciding on the assumptions to use;
III. Setting the prices for the product whilst maintaining an optimal delicate balance between profitability and competitiveness. Customer value considerations as well as renumeration to the intermediaries are equally important in product development and pricing.
IV. Deciding on the type of and how much reinsurance to use; and
V. Ensuring compliance to the established legal and other statutory frameworks.
05The Uganda Insurance Industry at a GlanceProducts Profile as at 20th June 2017
The winning formular to designing and planning a new product is provided by the Merck Marketing Principles (ref: merck.com) as illustrated below:
Understand the Customer’s perspective
Anticipate and outmaneuver the competition
Concentrate on selected audiences and behaviors
Define the product’s distinctive value to selected audiences
Plan for sequenced growth through the products life-cycle
Shape customers’ perceptions
Ensure that execution is efficient, consistent, and well integrated
Track results and re-evaluate decisions
Product launch Implementation of the designed products is preceded by a carefully planned launch. It is one thing developing a product, but it is another thing altogether to get people to know about it. Experience however shows that a significant number of companies are guilty of developing appealing products, drafting a press release, crossing their fingers, and hoping that buyers will come. The results have, ofcourse, been frustrating because there is actually much more to it than just releasing a press brief.
It is said that if you have a big idea, you need a big plan. And that is where the product launch comes in. From establishing the proper messaging and developing the necessary documentation to enabling the sales team and keeping momentum, there is a lot that goes into putting together a solid product launch plan. A deep understanding of the product before the launch is critical because then the product will be communicated as a solution to identified problems rather than an end in itself. Sometimes it pays to refine the product narrative to focus on only the most valuable aspects of the new product via a simplest possible message. Safaricom is a classic case with its M-Pesa service and its success is a point of reference globally now. The simple message was “send money home”.
What is also very crucial is that the sales team is adequately educated and empowered before the product launch.It is normal that it will take a while before all salespeople feel comfortable with the new product, so it is important to arm them with winiing sales collateral including demo videos, one pagers, among others. Joining their call, that is, getting senior team members to join the junior salespeople and pitching the product with them the first couple of times will give them the confidence they need to carry on the task. Afterall, first impression does not only matter but also lasts. Despite the regulatory requirements in respect to training of particularly insurance agents in place, a number of companies have continued to dispatch ill-equiped and knowledge-deficient sales teams and this has had a damaging effect on the industry. Companies that will recognise the need for adeguately preparing the sales teams before they are released to the market will gain a long term competitive advantage.
It is also crucial to emaphasise the need for retention of clients. One of the observed market challenges is the high rate of attrition. There are numerous cases of policy lapses for life insurance and non-renewals for several short term policies. Thus a successful product launch should be followed by figuring out how to keep consumers around. This means more ongoing education as well as sharing case studies and success stories to show your users what they can achieve with your product. People as opposed to products should be the focus.
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Below is a summary matrix of non-life insurance products sold in the insurance market in Uganda. The insurance products are sub-divided into four broad categories, namely, Liability, property damage, financial loss and fixed benefit products.
NON-LIFE INSURANCE PRODUCTS
LIABILITY PROPERTY DAMAGE FINANCIAL LOSS FIXED BENEFITS
Motor third party liability
Employer's liability/Workers Compensation
Public liability
Product liability
Professional Indemnity
Fire
Motor Comprehensive
Marine
Aviation
Engineering
Pecuniary loss/loan protection
Fidelity Guarantee
Consequential loss or Business Interruption
Group Personal Accident
Health Insurance
07The Uganda Insurance Industry at a GlanceProducts Profile as at 20th June 2017
GENERAL DESCRIPTION OF NON-LIFEINSURANCE PRODUCTS
CHAPTER 3
The
prod
ucts
sum
mar
ised
her
ebel
ow a
re s
tand
ard
prod
ucts
whi
ch a
re o
ffer
ed b
y m
ajor
ity o
f the
lice
nsed
non
-life
insu
ranc
e co
mpa
nies
on
page
2
Prod
uct N
ame
Fire
Indu
stri
al A
ll R
isks
Dom
esti
c Pa
ckag
e M
achi
nery
Br
eakd
own
Con
trac
tors
Pl
ant &
M
achi
nery
, El
ectr
onic
Eq
uipm
ent
Boile
r an
d Pr
essu
re V
esse
lsC
ontr
acto
rs A
ll R
isks
/ Er
ecti
on
All
Ris
ks
Brie
f Pro
duct
Des
crip
tion
Cov
ers
Prop
erty
ag
ains
t fire
and
al
lied
peri
ls s
uch
as h
ail s
torm
, ea
rthq
uake
, flo
ods
etc
This
is a
co
mpr
ehen
sive
in
sura
nce
polic
y th
at p
rovi
des
Cov
er to
Pro
pert
y on
all
Risk
s Ba
sis
(fire
, los
s of
pr
ofits
due
to fi
re,
thef
t, ac
cide
ntal
da
mag
e et
c)
Cov
ers
acci
dent
al
loss
or
dam
age
to re
side
ntia
l pr
oper
ty
unfo
rese
en a
nd
sudd
en p
hysi
cal
loss
or
dam
age
to p
rope
rty
from
any
cau
se
not s
peci
fical
ly
excl
uded
by
the
polic
y
Acc
iden
tal l
oss/
da
mag
e, T
heft
to
pro
pert
y fr
om a
ny c
ause
no
t spe
cific
ally
ex
clud
ed b
y th
e po
licy
Expl
osio
n an
d C
olla
pse
of
Indu
stri
al B
oile
rs
Unf
ores
een
and
sudd
en p
hysi
cal
loss
or
dam
age
from
any
cau
se
not s
peci
fical
ly
excl
uded
by
the
polic
y as
wel
l as
agai
nst t
hird
par
ty
liabi
lity.
Targ
et M
arke
tC
orpo
rate
, In
dust
rial
, C
omm
erci
al &
In
divi
dual
s
Cor
pora
te,
Indu
stri
al,
Com
mer
cial
Indi
vidu
alC
orpo
rate
, In
dust
rial
, C
omm
erci
al
Cor
pora
te,
Indu
stri
al,
Com
mer
cial
Cor
pora
te,
Indu
stri
al,
Com
mer
cial
Cor
pora
te,
Indu
stri
al,
Com
mer
cial
Key
Ris
ks c
over
edFi
re, E
xplo
sion
, Im
pact
Dam
age,
N
atur
al P
erils
Fire
, Exp
losi
on,
Impa
ct D
amag
e,
Nat
ural
Per
ils,
Acc
iden
tal
Dam
ages
Fire
, Exp
losi
on,
Impa
ct D
amag
e,
Nat
ural
Per
ils,
Brea
kdow
nA
ccid
enta
l los
s/
dam
age,
The
ft
Expl
osio
n an
d C
olla
pse
Unf
ores
een
and
sudd
en p
hysi
cal
loss
or
dam
age,
na
tura
l per
ils a
s w
ell a
s ag
ains
t th
ird p
arty
lia
bilit
y.
Dis
trib
utio
n ch
anne
lsBr
oker
s, A
gent
s an
d D
irect
Brok
ers,
Age
nts
and
Dire
ctBr
oker
s, A
gent
s an
d D
irect
Brok
ers,
Age
nts
and
Dire
ctBr
oker
s, A
gent
s an
d D
irect
Brok
ers,
Age
nts
and
Dire
ctBr
oker
s, A
gent
s an
d D
irect
Min
imum
pri
ce/p
rem
ium
ra
teBa
sed
on
min
imum
rate
sBa
sed
on
min
imum
rate
sBa
sed
on
min
imum
rate
sBa
sed
on
min
imum
rate
sBa
sed
on
min
imum
rate
sBa
sed
on
min
imum
rate
sBa
sed
on
min
imum
rate
s
The
Uga
nda
Insu
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e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
08 www.ira.go.ug
MA
TR
IX O
F S
TA
ND
AR
D N
ON
-L
IFE
IN
SU
RA
NC
E P
RO
DU
CT
SC
HA
PT
ER
4
Rid
ers
(Ext
ra B
enef
its)
Deb
ris
rem
oval
, A
udito
rs F
ees,
C
laim
pre
para
tion
cost
s
Deb
ris
rem
oval
, A
udito
rs F
ees,
C
laim
pre
para
tion
cost
s
Deb
ris
rem
oval
, A
udito
rs F
ees,
C
laim
pre
para
tion
cost
s
Riot
s, S
trik
es,
Deb
ris
rem
over
, th
eft w
arra
nty
and
clai
m
prep
ratio
n co
sts
Riot
s, S
trik
es,
Deb
ris
rem
over
, th
eft w
arra
nty
and
clai
m
prep
ratio
n co
sts
Riot
s, S
trik
es,
Deb
ris
rem
over
, th
eft w
arra
nty
and
clai
m
prep
ratio
n co
sts
Riot
s, S
trik
es,
Deb
ris
rem
over
, th
eft w
arra
nty
and
clai
m
prep
ratio
n co
sts
Excl
usio
nsSt
anda
rd
excl
usio
ns e
.g
war
, inv
asio
n by
a
fore
ign
enem
y,
defe
ctiv
e w
orks
Stan
dard
ex
clus
ions
e.g
w
ar, i
nvas
ion
by
a fo
reig
n en
emy,
de
fect
ive
wor
ks
Stan
dard
ex
clus
ions
e.g
w
ar, i
nvas
ion
by
a fo
reig
n en
emy,
de
fect
ive
wor
ks
Stan
dard
ex
clus
ions
e.g
w
ar, i
nvas
ion
by
a fo
reig
n en
emy,
de
fect
ive
wor
ks
Stan
dard
ex
clus
ions
e.g
w
ar, i
nvas
ion
by
a fo
reig
n en
emy,
de
fect
ive
wor
ks
Stan
dard
ex
clus
ions
e.g
w
ar, i
nvas
ion
by
a fo
reig
n en
emy,
de
fect
ive
wor
ks
Stan
dard
ex
clus
ions
e.g
w
ar, i
nvas
ion
by
a fo
reig
n en
emy,
de
fect
ive
wor
ks
The
Uga
nda
Insu
ranc
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ry a
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s P
rofi
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s a
t 2
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ne
20
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N-L
IFE
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RAN
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CTS
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ntry
and
or
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ch a
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t
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oney
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rem
ises
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dent
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umst
ance
s
Inde
mni
ty a
gain
st
loss
cau
sed
by fr
aud
and
dish
ones
ty
of th
e in
sure
d em
ploy
ees
Targ
et M
arke
tC
orpo
rate
, Ind
ustr
ial,
Com
mer
cial
&
Indi
vidu
als
Cor
pora
te,
Indu
stri
al,
Com
mer
cial
&
Indi
vidu
als
Cor
pora
te,
Indu
stri
al,
Com
mer
cial
&
Indi
vidu
als
Cor
pora
te, I
ndus
tria
l &
Com
mer
cial
C
orpo
rate
, Ind
ustr
ial
& C
omm
erci
alC
orpo
rate
, In
dust
rial
, &
Com
mer
cial
Key
Ris
ks c
over
edC
over
s hu
ll, c
argo
an
d th
ird p
arty
pr
oper
ty d
amag
e an
d in
juri
es/d
eath
, ot
her
road
ris
ks e
tc
Cov
ers
hull,
car
go
and
third
par
ty
prop
erty
dam
age
and
inju
ries
/dea
th
thef
t, ac
cide
ntal
da
mag
e an
d le
gal
liabi
lity
to th
ird
part
ies
act
ual f
orci
ble
and
viol
ent t
heft
Ro
bber
y , a
ccid
enta
l da
mag
e,St
rike
s,
Riot
s, C
ivil
Com
mot
ion
and
Mal
icio
us D
amag
e &
Hol
ds U
ps
thef
t of M
oney
an
d st
ock
by o
wn
empl
oyee
s
Dis
trib
utio
n ch
anne
lsBr
oker
s, A
gent
s an
d D
irect
Brok
ers,
Age
nts
and
Dire
ctBr
oker
s, A
gent
s an
d D
irect
Brok
ers,
Age
nts
and
Dire
ctBr
oker
s, A
gent
s an
d D
irect
Brok
ers,
Age
nts
and
Dire
ct
Min
imum
pri
ce/p
rem
ium
ra
te B
ased
on
min
imum
ra
tes
Bas
ed o
n m
inim
um
rate
s B
ased
on
min
imum
ra
tes
Bas
ed o
n m
inim
um
rate
s B
ased
on
min
imum
ra
tes
Bas
ed o
n m
inim
um
rate
s
MA
TR
IX O
F S
TA
ND
AR
D N
ON
-L
IFE
IN
SU
RA
NC
E P
RO
DU
CT
S C
ON
T’D
....
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
10
www.ira.go.ug
Rid
ers
(Ext
ra B
enef
its)
Nil
Nil
Emer
genc
y m
edic
al
fees
, Aut
hori
sed
repa
ir, P
rote
ctio
n an
d to
win
g ch
arge
s,
Win
dscr
een
Exte
nsio
n, C
laim
Pr
epar
atio
n C
ost
. Top
up
Cov
er
for
Bank
fina
nced
ve
hicl
es.
- D
amag
e to
pr
emis
es in
co
urse
of
burg
lary
- D
amag
e to
saf
e,
stro
ng ro
om a
nd
book
s
Pers
oanl
acc
iden
t, pe
rson
al e
ffec
ts-
Dam
age
to s
afe,
st
rong
room
and
bo
oks
Excl
usio
nsSt
anda
rd e
xclu
sion
s:
- W
ar
- In
vasi
on b
y a
fore
ign
enem
y
- O
rdin
ary
wea
r an
d te
ar
Stan
dard
exc
lusi
ons:
- W
ar
- In
vasi
on b
y a
fore
ign
enem
y
- O
rdin
ary
wea
r an
d te
ar
Stan
dard
exc
lusi
ons:
- W
ar
- In
vasi
on b
y a
fore
ign
enem
y
- O
rdin
ary
wea
r an
d te
ar
Stan
dard
exc
lusi
ons:
- W
ar
- In
vasi
on b
y a
fore
ign
enem
y
Stan
dard
exc
lusi
ons:
- W
ar
- In
vasi
on b
y a
fore
ign
enem
y
Stan
dard
exc
lusi
ons:
- W
ar
- In
vasi
on b
y a
fore
ign
enem
y
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1711
NO
N-L
IFE
INSU
RAN
CE
PRO
DU
CTS
CO
NT
’D...
.
Prod
uct N
ame
Publ
ic L
iabi
lity
Plat
e G
lass
Wor
kers
C
ompe
nsat
ion
Pers
onal
A
ccid
ent
Prof
essi
onal
In
dem
nity
Bond
sTr
avel
Po
litic
al
Vio
lenc
e,
Terr
oris
m &
Sa
bota
ge
Brie
f Pro
duct
D
escr
ipti
on T
he p
rodu
ct
cove
rs le
gal
liabi
lity
to
third
par
ties
resu
lting
from
in
jury
or
deat
h
Acc
iden
tal
Dam
age
to th
e w
hole
or
part
of
the
fixed
gl
ass
Liab
ility
und
er
the
Wor
kers
C
ompe
satio
n A
ct 2
00
0
in re
spec
t of
acci
dent
al
deat
h, b
odily
in
jury
and
/or
illne
ss a
risi
ng
out o
f & in
th
e co
urse
of
empl
oym
ent
Acc
iden
tal
deat
h or
bod
ily
inju
ry c
ause
d by
acc
iden
tal
viol
ent
exte
rnal
and
vi
sibl
e m
eans
to
insu
red
pers
ons
duri
ng
the
peri
od o
f in
sura
nce
Lega
l lia
bilit
y fo
r th
e co
nseq
uenc
e of
err
ors,
ne
glig
ence
, om
issi
on,
erro
neou
s co
mm
issi
on
or m
ista
ke
occu
rrin
g on
th
e pa
rt o
f th
e in
sure
d in
th
e se
rvic
es
rend
ered
to a
cl
ient
This
pro
duct
gu
aran
tees
sc
hedu
led
paym
ents
of
inte
rest
and
pr
inci
pal o
n a
bond
or
othe
r se
curi
ty in
th
e ev
ent o
f a
paym
ent
defa
ult b
y th
e is
suer
of t
he
bond
This
pro
duct
pr
ovid
es
cove
r ag
ains
t un
expe
cted
H
ospi
talis
atio
n Ex
pens
es o
n ov
erse
as tr
avel
Cov
ers
Prop
erty
ag
ains
t Pol
itica
l V
iole
nce,
Te
rror
ism
&
sabo
tage
ris
ks.
Targ
et M
arke
tC
orpo
rate
, In
dust
rial
&
Com
mer
cial
Cor
pora
te,
Indu
stri
al &
C
omm
erci
al
Cor
pora
te,
Indu
stri
al &
C
omm
erci
al
Cor
pora
te,
Indu
stri
al,
Com
mer
cial
&
Indi
vidu
als
Cor
pora
te,
Indu
stri
al &
C
omm
erci
al
Cor
pora
te,
Indu
stri
al,
Com
mer
cial
Indi
vidu
als
&
Cor
pora
teC
orpo
rate
, In
dust
rial
, C
omm
erci
al &
In
divi
dual
s
Key
Ris
ks c
over
ed a
ccid
enta
l in
jury
and
da
mag
e to
th
ird p
artie
s
Acc
iden
tal
Dam
age
to th
e w
hole
or
part
of
the
fixed
gl
ass
acci
dent
al
deat
h, b
odily
in
jury
and
/or
illne
ss a
risi
ng
out o
f & in
th
e co
urse
of
empl
oym
ent
acci
dent
al
deat
h, b
odily
in
jury
thef
t, ac
cide
ntal
da
mag
e an
d le
gal l
iabi
lity
to
third
par
ties
Cus
tom
s Bo
nd,
Perf
orm
ance
Bo
nd,A
dvan
ce
Paym
ent B
ond
& T
rans
it Bo
nds
Hos
pita
lisat
ion
Expe
nses
on
over
seas
trav
el
Terr
oris
m,
Sabo
tage
, Po
litic
al
Vio
lenc
e &
loot
ing
follo
win
g th
ese.
Dis
trib
utio
n ch
anne
lsBr
oker
s, a
gent
s an
d D
irect
Brok
ers,
age
nts
and
Dire
ctBr
oker
s, a
gent
s an
d D
irect
Brok
ers,
age
nts
and
Dire
ctBr
oker
s, a
gent
s an
d D
irect
Brok
ers,
age
nts
and
Dire
ctBr
oker
s, a
gent
s an
d D
irect
Brok
ers,
age
nts
and
Dire
ct
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
12
www.ira.go.ug
MA
TR
IX O
F S
TA
ND
AR
D N
ON
-L
IFE
IN
SU
RA
NC
E P
RO
DU
CT
S C
ON
T’D
....
Min
imum
pri
ce/
prem
ium
rate
Base
d on
m
inim
um ra
tes
Base
d on
m
inim
um ra
tes
Base
d on
m
inim
um ra
tes
Base
d on
m
inim
um ra
tes
Base
d on
m
inim
um ra
tes
Base
d on
m
inim
um ra
tes
Base
d on
m
inim
um ra
tes
Base
d on
m
inim
um ra
tes
Rid
ers
(Ext
ra B
enef
its)
nil
nil
Med
ical
ex
pens
es,
Fune
ral
expe
nses
Med
ical
ex
pens
es,
Fune
ral
expe
nses
, re
patr
iatio
n,
artif
icia
l A
pplia
nce
err
ors,
ne
glig
ence
, om
issi
on,
erro
neou
s co
mm
issi
on o
r m
ista
ke
nil
- Pe
rson
al
acci
dent
s
- H
ijack
- Lo
ss o
r de
lay
of
chec
ked
bagg
age
- C
urta
ilmen
t
- Em
erge
ncy
retu
rn
follo
win
g de
ath
of a
cl
ose
fam
ily
mem
ber
nil
Excl
usio
nsSt
anda
rd
excl
usio
nsSt
anda
rd
excl
usio
nsSt
anda
rd
excl
usio
nsSt
anda
rd
excl
usio
nsSt
anda
rd
excl
usio
ns
Stan
dard
ex
clus
ions
Stan
dard
Ex
clus
ions
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1713
The
mat
rix
belo
w in
dica
tes
the
prod
ucts
whi
ch a
re o
ffer
ed b
y ea
ch o
f the
lice
nsed
non
-life
insu
ranc
e co
mpa
nies
on
page
2
Jubilee
UAP
E. A. Underwriters
Goldstar
Lion
Phoenix of Ug.
ICEA
National Insurance
TransAfrica
Swico
Excel
FICO
APA
Sanlam General
CIC General
PAX
Rio
NOVA
Britam
Alliance
Fire
√√
√√
√√
√√
√√
√√
√√
√√
√√
√√
Indu
stria
l All R
isks
√√
√√
√√
√√
√√
-√
√√
√√
-√
√√
Dom
estic
Pac
kage
√
√√
√√
√√
√√
√-
√√
√√
√-
√√
√M
achi
nery
Br
eakd
own
√√
√√
√√
√√
√√
-√
√√
√√
-√
√√
Con
tract
ors P
lant
& M
achi
nery
, El
ectro
nic
Equi
pmen
t
√√
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s√
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Cont
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ll Ri
sks/
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Mot
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Com
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s√
√√
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√√
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√√
√
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
14
www.ira.go.ug
MA
TR
IX S
HO
WIN
G P
RO
DU
CT
S O
FF
ER
ED
BY
EA
CH
N
ON
-L
IFE
CO
MP
AN
IES
CH
AP
TE
R 5
Publ
ic Lia
bilit
y√
√√
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Com
pens
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√√
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Pers
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Accid
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√√
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--
--
-
NB:
√ i
ndic
ates
that
the
com
pany
off
ers
the
prod
uct
- Ind
icat
es th
at th
e co
mpa
ny is
not
offe
ring
the
prod
uct
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1715
Jubi
lee
Insu
ranc
e C
ompa
ny o
f Uga
nda
Ltd
Prod
uct N
ame
Cro
p In
sura
nce
Live
stoc
k In
sura
nce
Gre
enho
use
Insu
ranc
eD
iasp
ora
Insu
ranc
eLa
dy J
ubile
eTr
ader
’s
Com
preh
ensi
ve
Brie
f Pro
duct
D
escr
iptio
nPh
ysic
al lo
ss/d
amag
e to
gro
win
g cr
ops
dire
ctly
cau
sed
by
Dro
ught
, Flo
odin
g,
Win
dsto
rms,
Fire
, H
ails
tone
and
U
ncon
trol
labl
e Pe
sts/
dise
ases
Loss
of l
ives
tock
due
to
dea
th a
s a
resu
lt of
Acc
iden
ts, I
llnes
s/di
seas
e, E
pide
mic
s,
Emer
genc
y Sl
augh
ter
Loss
or
dam
age
to
stru
ctur
e as
a re
sult
of
Fire
and
Alli
ed P
erils
Repa
tria
tion
of m
orta
l re
mai
ns b
enef
its
for
a U
gand
an (
and
depe
nden
ts)
situ
ated
ou
tsid
e co
untr
y fo
r w
ork
reas
ons
Exte
nded
Mot
or
Com
preh
ensi
ve
Insu
ranc
e co
ver
for
Lady
ow
ner-
driv
er
Bund
led
prod
uct f
or
Smal
l/m
ediu
m s
ized
tr
ader
with
a v
alue
of
asse
ts n
ot e
xcee
ding
U
GX
50
0M
Type
of B
usin
ess
Agr
icul
ture
Insu
ranc
eA
gric
ultu
re In
sura
nce
Agr
icul
ture
Insu
ranc
eTr
avel
Insu
ranc
eM
otor
Prop
erty
, Lia
bilit
y,
Mis
cella
neou
s
Targ
et M
arke
tC
omm
erci
al F
arm
ers
Com
mer
cial
bre
eder
sC
omm
erci
al fa
rms
Indi
vidu
als/
Fam
ilies
Lady
ow
ners
/dri
ver
Smal
l/M
ediu
m s
ized
tr
ader
s
Key
Ris
ks c
over
edD
roug
ht, F
lood
ing,
W
inds
torm
s, F
ire,
Hai
lsto
ne a
nd
Unc
ontr
olla
ble
Pest
s/di
seas
es
Acc
iden
ts, I
llnes
s/di
seas
e, E
pide
mic
s,
Emer
genc
y Sl
augh
ter
Fire
and
Alli
ed P
erils
Repa
tria
ton
of M
orta
l re
mai
ns d
ue to
dea
th
with
in th
e us
ual
coun
try
of re
side
nce
Ow
n D
amag
e, T
heft
, Th
ird P
arty
Lia
bilit
yFi
re a
nd a
llied
per
ils,
Burg
lary
, Mon
ey
in tr
ansi
t, G
oods
in
tran
sit,
Wor
ker
Com
pens
atio
n,
Pers
onal
Acc
iden
t, Em
ploy
er L
iabi
lity,
Bu
sine
ss In
terr
uptio
n
Dis
trib
utio
n ch
anne
lsD
irect
, bro
kers
, ag
ents
, Far
mer
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asso
ciat
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ks/
Lend
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itutio
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arm
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anks
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Dire
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ts, F
arm
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anks
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ndin
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tion
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ct, b
roke
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agen
ts, D
iasp
ora
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ks/
Lend
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itutio
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omen
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anks
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roke
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agen
ts, T
rade
as
soci
atio
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anks
/Le
ndin
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stitu
tion
Key
Ben
efits
Inde
mni
ty fo
r th
e lo
ss
suff
ered
Inde
mni
ty fo
r th
e lo
ss
suff
ered
Inde
mni
ty fo
r th
e lo
ss
suff
ered
Act
ual c
ost o
f re
patr
iatio
n is
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Inde
mni
ty fo
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e lo
ss
suff
ered
or
liabi
lity
incu
rred
Inde
mni
ty fo
r th
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ss
suff
ered
or
liabi
lity
incu
rred
Min
imum
pri
ce/
prem
ium
rate
5% o
n pr
ojec
ted
valu
e of
yie
ld5%
for
indi
vidu
al
clie
nts,
4%
for
corp
orat
e cl
ient
s
5%
on
proj
ecte
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lue
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The
Uga
nda
Insu
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rofi
le a
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th J
un
e 2
017
16
www.ira.go.ug
UN
IQU
E N
ON
-L
IFE
IN
SU
RA
NC
E P
RO
DU
CT
SC
HA
PT
ER
6
Jubi
lee
Insu
ranc
e C
ompa
ny o
f Uga
nda
Ltd
Prod
uct N
ame
Cro
p In
sura
nce
Live
stoc
k In
sura
nce
Gre
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use
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ranc
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iasp
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ubile
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Com
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ysic
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ails
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and
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r w
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or
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preh
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ver
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ow
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driv
er
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led
prod
uct f
or
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l/m
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m s
ized
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ader
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a v
alue
of
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ts n
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GX
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avel
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vidu
als/
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ver
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ediu
m s
ized
tr
ader
s
Key
Ris
ks c
over
edD
roug
ht, F
lood
ing,
W
inds
torm
s, F
ire,
Hai
lsto
ne a
nd
Unc
ontr
olla
ble
Pest
s/di
seas
es
Acc
iden
ts, I
llnes
s/di
seas
e, E
pide
mic
s,
Emer
genc
y Sl
augh
ter
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and
Alli
ed P
erils
Repa
tria
ton
of M
orta
l re
mai
ns d
ue to
dea
th
with
in th
e us
ual
coun
try
of re
side
nce
Ow
n D
amag
e, T
heft
, Th
ird P
arty
Lia
bilit
yFi
re a
nd a
llied
per
ils,
Burg
lary
, Mon
ey
in tr
ansi
t, G
oods
in
tran
sit,
Wor
ker
Com
pens
atio
n,
Pers
onal
Acc
iden
t, Em
ploy
er L
iabi
lity,
Bu
sine
ss In
terr
uptio
n
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trib
utio
n ch
anne
lsD
irect
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kers
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ents
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mer
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ks/
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anks
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anks
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anks
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roke
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agen
ts, T
rade
as
soci
atio
ns, B
anks
/Le
ndin
g in
stitu
tion
Key
Ben
efits
Inde
mni
ty fo
r th
e lo
ss
suff
ered
Inde
mni
ty fo
r th
e lo
ss
suff
ered
Inde
mni
ty fo
r th
e lo
ss
suff
ered
Act
ual c
ost o
f re
patr
iatio
n is
re
imbu
rsed
Inde
mni
ty fo
r th
e lo
ss
suff
ered
or
liabi
lity
incu
rred
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mni
ty fo
r th
e lo
ss
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ered
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liabi
lity
incu
rred
Min
imum
pri
ce/
prem
ium
rate
5% o
n pr
ojec
ted
valu
e of
yie
ld5%
for
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p, Ir
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Ret
urn
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are
for
rela
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tria
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edic
al e
xpen
se
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r w
hile
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gand
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ccid
ent
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Loss
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choo
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ome
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ntro
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ntro
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eeds
Terr
oris
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ar,
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lear
, Pre
-exi
stin
g ill
ness
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ease
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trem
e Sp
orts
Thef
t by
own
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oyee
and
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er
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ral m
otor
in
sura
nce
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usio
ns,
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ise
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fo
r th
e pu
rpos
es
desc
ribe
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der
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crip
tion
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use”
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/Inv
asio
n,
Nuc
lear
etc
Thef
t by
own
empl
oyee
, Ter
rori
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War
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lear
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1717
East
Afr
ican
Und
erw
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rs L
td
Prod
uct N
ame
Air
port
Ope
rato
rs L
iabi
lity
Loss
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icen
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sona
l Acc
iden
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avel
Med
ical
Brie
f Pro
duct
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crip
tion
Lega
l lia
bilit
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isin
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he
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rshi
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ield
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ry
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rew
Med
ical
exp
ense
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isin
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t tr
avel
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usin
ess
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atio
nA
viat
ion
Med
ical
Targ
et M
arke
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orpo
rate
s G
over
nmen
tC
orpo
rate
s &
Gov
ernm
ent
All
Key
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ks c
over
edA
viat
ion
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atio
nM
edic
al
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trib
utio
n ch
anne
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oker
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gent
s, D
irect
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nts,
Dire
ctBr
oker
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gent
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irect
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pri
ce/p
rem
ium
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Base
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imum
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sed
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inim
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tes
Ride
rs (
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a Be
nefit
s)no
neno
neno
ne
ICEA
Gen
eral
Insu
ranc
e C
ompa
ny L
td
Prod
uct N
ame
Sim
ba M
otor
Sur
eD
iva
Mot
or In
sura
nce
Trav
el In
sura
nce
Dir
ecto
r an
d O
ffic
ers
liabi
lity
Insu
ranc
e M
edic
al In
sura
nce
Brie
f Pro
duct
Des
crip
tion
Inde
mni
ty
agai
nst
fire,
ac
cide
ntal
lo
ss
of
or
dam
age
to
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red
vehi
cle
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eft a
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age
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ed
ther
eof
and
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l lia
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isin
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se o
f the
veh
icle
Inde
mni
ty
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nst
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ac
cide
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or
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red
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cle
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eft a
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l lia
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se o
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icle
Prov
ides
the
follo
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g co
ver
to th
e in
sure
d w
hils
t tra
velll
ing
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here
in th
e w
orld
.
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hrtravelassistence
serv
ice.
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aturereturndue
to
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icalevacuation
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Ther
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pret
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volv
ed
with
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irect
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rust
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hese
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inks
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dem
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Insu
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dily
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rs m
edic
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nses
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epen
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Dep
enda
nts
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med
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mily
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pous
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sure
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rson
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stai
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The
Uga
nda
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ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
18
www.ira.go.ug
UN
IQU
E N
ON
-L
IFE
IN
SU
RA
NC
E P
RO
DU
CT
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ON
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ate
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nda
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ranc
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ry a
t a G
lanc
eP
rod
uct
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rofi
le a
s a
t 2
0th
Ju
ne
20
1719
Key
Ris
ks c
over
edO
wn
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age,
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, The
ft
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hird
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ty L
iabi
litie
s.
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ire, T
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rd P
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pens
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ater
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irect
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Gla
mou
r 10
-15M
.....
.
.4.5
%
Fabu
lous
16-
25M
......
4
.75%
Stile
tto
2
5M a
nd a
bove
...
.5%
$ 5
per
day
2.50
%C
ost i
n te
rms
of p
rem
ium
w
ill b
e de
term
ined
by:
-
A
nnua
l lim
it se
lect
ed,
H
ospi
tal b
ed li
mit,
Rang
e of
ext
ensi
ons
sele
cted
and
thei
r lim
its,
To
tal p
opul
atio
n
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
20 www.ira.go.ug
UN
IQU
E N
ON
-L
IFE
IN
SU
RA
NC
E P
RO
DU
CT
S C
ON
T’D
....
Ride
rs (
Extr
a Be
nefit
s)A
ltern
ativ
e ac
com
mod
atio
n
Pe
rson
al b
elon
ging
s
Pe
rson
al A
ccid
ent (
Dea
th
&PT
D)
Loss
of u
se -1
0
days
30%
dis
coun
t on
batt
erie
s
Polit
ical
vio
lenc
e a
nd
terr
oris
m
Pers
onal
Acc
iden
t -D
rive
r’s L
imit(
Dea
th a
nd
PTD
)
Pers
onal
bel
ongi
ngs
Loss
of u
se u
p to
10
day
s
Alte
rnat
ive
acco
mm
odat
ion
30
% d
isco
unt o
n ba
tter
y m
aste
rs
Shop
ping
vou
cher
fo
r a
beau
ty p
rodu
ct
C
hild
car
sea
t ext
ensi
on
Po
litic
al r
isks
, sab
otag
e an
d te
rror
ism
ext
ensi
on
ro
ad re
scue
ser
vice
s
Med
ical
tran
spor
tatio
n
Es
cort
of a
ben
efic
iary
by
a fa
mily
mem
ber
Exte
nsio
n of
the
bene
ficia
ry s
tay
Re
patr
iatio
n of
the
clos
e re
lativ
e be
nefic
iary
Trav
el ti
cket
for
a fa
mily
mem
ber
Cov
er fo
r em
erge
ncy
med
ical
exp
ense
s ab
road
Send
ing
med
icin
es a
broa
d
Ea
rly
retu
rn in
the
even
t of d
eath
of
a fa
mily
mem
ber
Re
patr
iatio
n of
the
body
in
the
even
t of d
eath
Esco
rt o
f the
dec
ease
d
Lega
l ass
iste
nce
abro
ad
(Law
yer’s
exp
ense
s)
Le
gal a
ssis
tenc
e ab
road
(a
dvan
ce fo
r ba
il)
Se
ndin
g ur
gent
mes
sage
s
Inde
mni
ficat
ion
in
the
even
t of d
elay
in
deliv
erin
g lu
ggag
e
In
dem
nific
atio
n in
the
even
t of f
light
del
ay
Dis
hone
sty
and
frau
d
C
laim
s br
ough
t abo
ut
by o
r co
ntri
bute
d to
or
con
sequ
ent u
pon
any
circ
umst
ance
s ex
istin
g pr
ior
to o
r at
the
ince
ptio
n of
this
Pol
icy
C
laim
s ar
isin
g di
rect
ly
or in
dire
ctly
out
of
actu
al o
r al
lege
d in
side
r tr
adin
g ir
resp
ectiv
e of
w
heth
er th
e In
sure
d ob
tain
ed a
ny fi
nanc
ial o
r ot
her
bene
fit th
eref
rom
;
Cla
ims
mad
e w
heth
er in
th
e na
me
of th
e In
sure
d or
not
and
inst
igat
ed b
y an
y D
irect
or o
r O
ffic
er
agai
nst a
ny o
ther
D
irect
or o
r O
ffic
er;
C
laim
s in
resp
ect o
f any
pe
rson
al g
uara
ntee
or
war
rant
y (o
ther
than
a
W
arra
nty
of A
utho
rity
) gi
ven
by t
he D
irect
or o
r O
ffic
er;
Nil
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1721
Excl
usio
nsW
ar a
nd re
late
d pe
rils
an
d te
rror
ism
T
heft
by
own
empl
oyee
s
Loss
of u
se
(con
sequ
entia
l lo
ss o
f any
kin
d)
Dam
age
to ty
res
by
brak
ing,
pun
ctur
es,
cuts
or
burs
ts.
D
epre
ciat
ion,
w
ear
and
tear
.
M
echa
nica
l or
elec
tric
al
brea
kage
s .
Any
dri
ver
with
the
gene
ral c
onse
nt o
f the
in
sure
d w
ho, t
o th
e in
sure
d’s
know
ledg
e is
un
der
the
incf
luen
ce
of in
toxi
catin
g liq
uor
or d
rugs
(un
less
ad
min
iste
red
by m
edic
al
pers
onne
l.
War
and
rela
ted
peri
ls
and
terr
oris
m
Thef
t by
own
empl
oyee
s
Loss
of u
se
(con
sequ
entia
l lo
ss o
f any
kin
d)
Dam
age
to ty
res
by
brak
ing,
pun
ctur
es,
cuts
or
burs
ts.
D
epre
ciat
ion,
w
ear
and
tear
.
M
echa
nica
l or
elec
tric
al
brea
kage
s .
Any
dri
ver
with
the
gene
ral c
onse
nt o
f the
in
sure
d w
ho, t
o th
e in
sure
d’s
know
ledg
e is
un
der
the
incf
luen
ce
of in
toxi
catin
g liq
uor
or d
rugs
(un
less
ad
min
iste
red
by m
edic
al
pers
onne
l.
War
, inv
asio
n, a
ct o
f fo
reig
n en
emy,
hos
tiliti
es.
-
The
inte
ntio
nal u
se
of m
ilita
ry fo
rce
to
inte
rcep
t, pr
even
t or
miti
gate
any
unk
now
n or
sus
pect
ed te
rror
ist
act.
- A
ctiv
e se
rvic
e in
any
m
ilita
ry o
r po
lice
forc
e.
- A
IDS/
HIV
infe
ctio
n
Influ
ence
of a
lcoh
ol o
r dr
ugs
Frau
d
In
tent
iona
l non
-co
mpl
iant
act
s
Illeg
al re
num
erat
ion
or p
erso
nal p
rofit
Pr
oper
ty d
amag
e an
d bo
dily
har
m (
exce
pt
corp
orat
e m
ansl
ught
er)
Lega
l act
ion
alre
ady
take
n be
fore
the
polic
y be
gins
Cla
ims
mad
e un
der
a pr
evio
us p
olic
y
C
laim
s m
ade
unde
r ot
her
insu
ranc
e
Circ
umci
sion
unl
ess
med
ical
ly in
dica
ted
Cri
min
al a
bort
ion
Cos
met
ic s
urge
ry e
xcep
t as
rela
ted
to re
ason
able
re
cons
truc
tive
suer
gery
ca
used
by
acci
dent
al
inju
ry
Luxu
ry h
erba
l tre
atm
ent
Refle
xolo
gy, y
oga
and
rela
ted
ther
apie
s
Suic
ide
and/
or in
tent
iona
l se
lf in
jury
Wei
ght l
oss
or g
ain
med
icat
ion
Any
kin
d of
sel
f req
uest
Reha
bilit
atio
n th
erap
y
Trea
tmen
t out
side
th
e ap
poin
ted
pane
l of
ser
vice
pro
vide
rs,
e.t.c
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
22 www.ira.go.ug
UN
IQU
E N
ON
-L
IFE
IN
SU
RA
NC
E P
RO
DU
CT
S C
ON
T’D
....
APA
Insu
ranc
e (U
) Lt
d
PRO
DU
CT
NA
ME
VU
GG
AFE
MIN
A
Brie
f Pro
duct
Des
crip
tion
We
belie
ve
that
yo
ur
pers
onal
ve
hicl
es
can
be
dam
aged
or
stol
en a
nd f
or t
hat
reas
on,
we
offe
r co
mpr
ehen
sive
Ins
uran
ce c
over
und
er t
he M
otor
In
sura
nce
to p
rote
ct t
he o
wne
rs. T
he c
over
incl
udes
Po
litic
al V
iole
nce
and
Terr
oris
m.
The
firs
t po
sitiv
e di
agno
sis
of a
def
ined
Illn
ess
– Br
east
can
cer,
Cer
vica
l ca
ncer
or
a co
mbi
natio
n of
bo
th b
y a
regi
ster
ed q
ualif
ied
med
ical
pra
ctiti
oner
su
ppor
ted
by m
edic
al e
vide
nce
acce
ptab
le t
o th
e C
ompa
ny
Type
of B
usin
ess
Mot
or C
ompr
ehen
sive
A
ccid
ent
Targ
et M
arke
tM
otor
ists
Wom
en
Key
Ris
ks C
over
edC
ompr
ehen
sive
+ P
VT
(Po
litic
al V
iole
nce
Terr
oris
im)
Cov
erBr
east
can
cer
and
cerv
ical
can
cer
posi
tive
diag
nosi
s
Dis
trib
utio
n C
hann
els
Brok
er A
nd A
gent
s A
nd D
irect
Brok
ers
and
agen
ts
Key
Ben
efit
sIn
clus
ion
of P
VT
cov
er a
t the
bas
ic ra
te n
o ad
ditio
nal
char
geLu
mp
sum
pay
out
Min
imum
Pri
ce/P
rem
ium
Rat
e4
%A
s Pe
r Ta
riff
Rid
ers
(Ext
ra B
enef
its)
NO
NE
Excl
usio
ns•T
heftbyyourownem
ployees
•C
onsequ
entia
lLossese.g.lossofu
se
•D
epreciation,wear
and
tear,mecha
nicalan
del
ectr
ical
bre
akdo
wn
•D
amagetoty
resun
lessth
evehicleisdam
aged
as
wel
l.
•W
arand
relatedpe
rils
•A
nydriverdrivingun
dertheinflu
enceofAlcoh
ol
or d
rugs
This
Pol
icy
does
not
cov
er a
n In
sure
d Ev
ent
caus
ed
by o
r re
sulti
ng fr
om:
•H
IV/A
IDSan
drelatedcond
ition
s
•P
re-existingbreastorcervicalcan
cer
•D
eathwith
inth
irty(30
)da
ysofd
iagn
osis
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1723
Lion
Ass
uran
ce C
ompa
ny L
td
Prod
uct N
ame
AG
RIC
ULT
UR
AL
INSU
RA
NC
ELE
GA
L G
UA
RD
WEK
UM
ET
RA
VEL
INSU
RA
NC
E -
MA
PFR
ED
EFA
ULT
INSU
RA
NC
E PR
OG
RA
M
Brie
f Pro
duct
Des
crip
tion
It p
rovi
des
cove
r fo
r cr
ops,
Ani
mal
s,
Aqu
acul
ture
aga
inst
w
eath
er re
late
d ri
sks.
Th
ere
is a
lso
an a
ll ri
sks
cove
r w
hich
is g
iven
to
farm
ers
depe
ndin
g on
th
eir
size
and
inte
rest
.
The
Polic
y ho
lder
is
inde
mni
fied
up to
an
amou
nt n
ot e
xcee
ding
th
e su
m o
n th
e sc
hedu
le
in re
spec
t of a
mat
ter
occu
rrin
g w
ithin
the
terr
itori
al li
mits
set
ou
t in
this
pol
icy
duri
ng th
e Pe
riod
of
Insu
ranc
e (o
r du
ring
an
y su
bseq
uent
per
iod
of In
sura
nce
for
whi
ch
the
Insu
rer
may
acc
ept
a pr
emiu
m)
subj
ect t
o th
e te
rms,
exc
lusi
ons
and
cond
ition
s co
ntai
ned
here
in(c
ompl
ianc
e w
ith
such
con
ditio
ns b
eing
de
emed
a c
ondi
tion
prec
eden
t to
the
liabi
lity
of th
e In
sure
r)
Prov
ides
for
the
paym
ent
of c
ompe
nsat
ion
for
deat
h, d
isab
lem
ent,
criti
cal i
llnes
s or
med
ical
ex
pens
es re
sulti
ng
with
in 2
4m
onth
s fr
om
acci
dent
al b
odily
inju
ry
and
illne
ss s
usta
ined
by
the
insu
red
at a
ny ti
me
duri
ng th
e pe
riod
of
insu
ranc
e.
Prov
ides
cov
er fo
r tr
ips
outs
ide
the
coun
try
of
resi
denc
e
The
polic
y In
dem
nifie
s th
e In
sure
d ag
ains
t a
Fina
ncia
l Los
s In
curr
ed a
s a
resu
lt of
a T
rave
l Age
nt
insu
red
unde
r th
e po
licy
defa
ultin
g.
Type
of B
usin
ess
Agr
icul
tura
l Ins
uran
ceLe
gal E
xpen
ses
Insu
ranc
eIn
divi
dual
Rid
er C
over
Trav
el In
sura
nce
Def
ault
Insu
ranc
e
Targ
et M
arke
tFa
rmer
sLa
wye
rs &
Indi
vidu
als
Mot
or B
ike
Ride
rs w
ith
valid
dri
ving
per
mits
Ti
cket
ing
and
Air
Tra
vel
agen
ts
UN
IQU
E N
ON
-L
IFE
IN
SU
RA
NC
E P
RO
DU
CT
S C
ON
T’D
....
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
24 www.ira.go.ug
Key
Ris
ks c
over
edW
eath
er In
dex
and
Mul
ti Pe
ril
Labo
ur d
ispu
tes,
de
fens
e fo
r w
ork
rela
ted
pros
ecut
ions
, Civ
il an
d cr
imin
al m
atte
rs,
Fam
ily m
atte
rs (
e.g.
ch
ild c
usto
dy, d
ispu
tes
& M
aint
enan
ce s
uits
),
Bail
appl
icat
ion,
Div
orce
m
atte
rs, M
otor
veh
icle
ac
cide
nts
clai
ms
and
m
otor
ing
pros
ecut
ions
(e
xclu
de p
arki
ng
offe
nces
, dri
ving
with
out
perm
it or
insu
ranc
e),
Imm
edia
te a
cces
s to
a
spec
ialis
t pan
el o
f ad
voca
tes,
Rec
over
y of
all
unin
sure
d lo
sses
su
bjec
t to
an a
dmitt
ed
clai
m u
nder
an
insu
ranc
e po
licy
of in
dem
nity
, C
over
in E
AC
, Cov
er fo
r po
licyh
olde
r an
d fa
mily
m
embe
rs ,
Incl
ude
pers
onal
inju
ry c
laim
s fo
r cl
inic
al n
eglig
ence
and
m
edic
al m
alpr
actic
e
Dea
th (
Both
Nat
ural
an
d A
ccid
enta
l),
Perm
anen
t Dis
able
men
t (A
ccid
enta
l), P
erm
anen
t D
isab
lem
ent (
Illne
ss),
C
ritic
al Il
lnes
s, F
uner
al
Expe
nses
and
Acc
iden
tal
Med
ical
Tre
atm
ent
Tran
spor
t and
re
patr
iatio
n in
case
of
illn
ess
or a
ccid
ent,
Emer
genc
y de
ntal
car
e,
Repa
tria
tion
of fa
mily
m
embe
r tr
avel
ing
with
th
e in
sure
d, R
epat
riat
ion
of m
orta
l rem
ains
, Em
erge
ncy
retu
rn h
ome
follo
win
g de
ath
of c
lose
fa
mily
mem
ber,
Del
iver
y of
Med
icin
es, R
elay
of
urg
ent m
edic
ines
, A
dvan
ce o
f bai
l bon
d,
Adv
ance
of f
unds
, Leg
al
defe
nse,
Los
s of
pas
spor
t, dr
ivin
g lic
ense
, nat
iona
l id
entit
y ca
rd a
broa
d,
Com
pens
atio
n fo
r in
-fli
ght l
oss
of c
heck
ed
bagg
age,
Com
pens
atio
n fo
r de
lay
in a
rriv
al o
f lu
ggag
e, L
ocat
ion
and
Forw
ardi
ng o
f bag
gage
an
d pe
rson
al e
ffec
ts,
Del
ayed
dep
artu
re
The
pol
icy
Inde
mni
fies
the
Insu
red
agai
nst a
Fi
nanc
ial L
oss
Incu
rred
as
a re
sult
of a
Tra
vel A
gent
in
sure
d un
der
the
polic
y de
fual
ting.
Dis
trib
utio
n ch
anne
lsBr
oker
s, A
gent
s, D
irect
Brok
ers,
Age
nts,
Dire
ctBr
oker
s, A
gent
s, D
irect
Brok
ers,
Age
nts,
dire
ct
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1725
1.
Cro
ps th
at h
ave
alre
ady
been
ha
rves
ted
and
C
rops
in tr
ansi
t (b
eing
tran
spor
ted)
2.
Any
Cro
ps
whi
ch
have
be
en
harv
este
d be
fore
in
spec
tion
by o
ur
loss
ass
esso
r
3.
Whe
re t
he f
arm
er
has
not
fol
low
ed
reco
gnis
ed g
ood
farm
ing
and
harv
estin
g pr
actic
es
4.
Whe
re C
rops
ha
ve b
een
lost
to
or
dam
aged
by
con
trol
labl
e di
seas
es, w
eeds
an
d/or
con
trol
labl
e in
sect
infe
stat
ions
5.
Loss
of l
ives
tock
or
liv
esto
ck p
rodu
ce
due
to w
illfu
l m
isco
nduc
t, fe
ed
pois
onin
g, C
ullin
g,
Prio
r ac
cide
nts
or
dise
ases
, mys
teri
ous
disa
ppea
ranc
es,
Fam
ine
&
Mal
nutr
ition
, In
fert
ility
or
impo
- te
nce
and
Poor
pr
oduc
tion
like
milk
an
d eg
gs
Lega
l exp
ense
s ar
e no
t pa
yabl
e if
a M
atte
r ar
ises
ou
t of o
r is
bas
ed o
n or
rela
tes
to a
ny o
f the
fo
llow
ing;
-
1.
Def
amat
ion,
insu
lt,
verb
al a
buse
or
any
infr
inge
men
t of
the
Polic
yhol
der’s
pe
rson
ality
, re
puta
tion
or d
igni
ty;
2.
Mar
riag
e,
enfo
rcem
ent
or a
nnul
men
t of
a d
ivor
ce
orde
r, al
imon
y,
enga
gem
ent o
r pr
omis
e to
mar
ry
and
livin
g to
geth
er
as h
usba
nd a
nd w
ife
or a
s pe
rman
ent
part
ners
. Unl
ess
if st
ated
in th
e sc
hedu
le.
3.
The
Polic
yhol
der’s
ri
ghts
or
oblig
atio
ns
as a
n ag
ent,
cont
ract
or o
r su
b-co
ntra
ctor
1.
Inva
sion
s or
ac
t of
fo
reig
n en
emy
&
host
ilitie
s (w
heth
er
war
is d
ecla
red
or n
t.
2.
Invo
lvem
ent i
n cr
imin
al a
ctiv
ity
& s
uici
de o
r se
lf-in
flict
ed in
juri
es
with
in th
e fir
st 2
4
mon
ths
follo
win
g th
e co
mm
ence
men
t da
te.
3.
Acc
iden
tal D
eath
as
a re
sult
of r
iot,
priv
ate
flyin
g,
haza
rdou
s sp
orts
or
any
ille
gal a
cts
whe
re th
e de
ceas
ed
was
dire
ctly
in
volv
ed.
4.
Non
-com
plia
nce
to
med
ical
trea
tmen
t &
pre
-exi
stin
g co
nditi
ons
excl
usio
n cl
ause
5.
Any
inju
ry o
r ill
ness
; suf
fere
d 6
mon
ths
prio
r to
th
e sa
id d
tae,
Was
su
ffer
ing
on th
e da
te o
n w
hich
his
co
ver
com
men
ced,
if
in e
ither
cas
e, th
e di
sabi
lity
occu
rs
with
in 1
2 m
onth
s af
ter
the
said
dat
e.
1.
Part
icip
atio
n in
cr
imin
al a
cts,
or
as
a re
sult
of fr
aud,
se
riou
sly
negl
igen
t or
reck
less
act
ions
in
clud
ing
thos
e ac
tions
of t
he
insu
red
in a
sta
te
of d
eran
gem
ent o
r un
der
psyc
hiat
ric
trea
tmen
t cos
ts
for
whi
ch a
re
them
selv
es
excl
uded
.
2.
Extr
aord
inar
y na
tura
l ph
enom
ena
such
as
flood
s, e
arth
quak
es,
land
slid
es, v
olca
nic
erup
tions
.
3.
Even
ts a
risi
ng fr
om
terr
oris
m, m
utin
y or
cr
owd
dist
urba
nces
4.
Even
ts o
r ac
tions
of
the
arm
ed fo
rces
or
sec
urity
forc
es in
pe
acet
ime
5.
Thos
e ca
used
by
resu
lting
from
ra
dioa
ctiv
e m
ater
ials
an
d nu
clea
r en
ergy
6.
IIIne
ss o
r in
juri
es
exis
ting
prio
r to
ta
king
up
Trav
el
Insu
ranc
e
1.
War
and
Ter
rori
sm
2.
Loss
or
dest
ruct
ion
of o
r da
mag
e to
any
pr
oper
ty w
hats
oeve
r or
any
loss
or
expe
nse
wha
tsoe
ver
resu
lting
or
aris
ing
ther
e fr
om o
r an
y co
nseq
uent
ial l
oss.
3.
Any
lega
l lia
bilit
y of
w
hats
oeve
r na
ture
4.
Dire
ctly
or
indi
rect
ly
by o
r co
ntri
bute
d to
by
or
aris
ing
from
:
i.
Ioni
sing
ra
diat
ions
or
cont
amin
atio
n by
radi
oact
ivity
fr
om a
ny
nucl
ear
fuel
or
from
any
nu
clea
r w
aste
fo
rm th
e co
mbu
stio
n of
nu
clea
r fu
el.
ii. `
The
radi
oact
ive,
to
xic,
exp
losi
ve
or o
ther
ha
zard
ous
prop
ertie
s of
an
y ex
plos
ive
nucl
ear
asse
mbl
y or
nuc
lear
co
mpo
nent
th
ereo
f.
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
26 www.ira.go.ug
UN
IQU
E N
ON
-L
IFE
IN
SU
RA
NC
E P
RO
DU
CT
S C
ON
T’D
....
4.
The
Polic
yhol
der’s
ri
ghts
or
oblig
atio
ns
as a
dire
ctor
or
offic
er in
term
s of
an
y st
atut
ory
law
de
alin
g w
ith p
riva
te
corp
orat
e en
titie
s in
any
cou
ntry
that
fa
lls w
ithin
the
geog
raph
ical
are
a of
co
ver.
5.
The
Polic
yhol
der’s
ri
ghts
or
oblig
atio
ns
as a
pri
ncip
al,
shar
ehol
der,
owne
r, co
-ow
ner,
part
ner
or P
olic
yhol
der
of a
n ex
istin
g or
pro
pose
d bu
sine
ss, f
arm
, fir
m,
prof
essi
onal
pra
ctic
e or
oth
er b
usin
ess
rela
ted
entit
y or
ac
tivity
:
6.
A c
laim
for
com
mis
sion
by
or a
gain
st th
e Po
licyh
olde
r as
an
agen
t or
prin
cipa
l;
7.
Any
sur
ety,
ces
sion
, as
sign
men
t, no
tatio
n, d
eleg
atio
n or
oth
er d
eriv
ed ri
ght
of re
cour
se:
8.
Polit
ical
act
ivity
5 .
Civ
il co
mm
otio
n as
sum
ing
the
prop
ortio
ns o
f or
amou
ntin
g to
a
popu
lar
risi
ng, r
iot,
stri
kes,
lock
outs
, m
artia
l law
or
the
act o
f any
la
wfu
lly c
onst
itute
d au
thor
ity.
6.
Any
loss
sus
tain
ed
by th
e pr
inci
pals
of
the
Polic
y H
olde
r/Be
nefic
iary
whe
re
evid
ence
of c
over
age
by w
ay o
f the
Pol
icy
Sche
dule
or
othe
r ev
iden
ce o
f cov
erag
e w
ere
issu
ed a
fter
the
date
of d
efau
lt by
th
e A
gent
.
3.1.7
Any
loss
whi
ch
at th
e tim
e of
the
happ
enin
g of
suc
h lo
ss is
insu
red
or g
uara
ntee
d by
or
wou
ld b
e re
cove
rabl
e fr
om a
ny
othe
r co
ncur
rent
ly
exis
ting
guar
ante
e,
polic
y, p
olic
ies
or
bond
with
the
polic
y ho
lder
/ben
efic
iary
an
d of
whi
ch th
e po
licy/
hold
er
bene
ficia
ry is
aw
are
of, e
xcep
t
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1727
Excl
usio
ns9.
C
laim
s w
hich
may
ar
ise
betw
een
the
Polic
yhol
der
and
the
Insu
rer.
10.
Con
veya
ncin
g
11.
Puni
tive
cost
s e.
g.
Fine
s an
d Pe
nalti
es
12.
An
envi
ronm
enta
l is
sue;
13.
Inso
lven
cy;
14.
A c
lass
or
colle
ctiv
e ac
tion;
15.
Inqu
ests
, bur
ial
disp
utes
or
exhu
mat
ion
of
bodi
es;
16.
Lega
l pro
ceed
ings
re
late
d to
or
any
act
or a
ctiv
ity c
ause
d by
St
rike
s, lo
ckou
ts o
r ri
ot, c
ivil
com
mot
ion,
la
bour
dis
turb
ance
s,
publ
ic o
r ci
vil
diso
bedi
ence
.
17.
War
, mar
ital l
aw,
mut
iny,
mili
tary
co
up o
r us
urpe
d po
wer
, reb
ellio
n or
re
volu
tion;
the
am
ount
s ov
er
and
abov
e th
e lim
its re
cove
rabl
e un
der
such
oth
er
guar
ante
e, p
olic
y,
polic
ies
or b
ond.
In
suc
h In
stan
ces,
th
is p
olic
y w
ill o
nly
be c
alle
d up
on to
pa
y th
e am
ount
ab
ove
the
limits
pr
ovid
ed b
y th
e af
orem
entio
ned
alte
rnat
ive
cove
rs.’
3.1.
8 A
ny fr
aud,
m
isre
pres
enta
tion,
m
is-d
escr
iptio
n or
no
n di
sclo
sure
in a
ny
mat
eria
l par
ticul
arly
by
the
Polic
y H
olde
r /
Bene
ficia
ry in
re
latio
n to
a c
laim
or
the
stat
us o
f an
Age
nt w
ill re
nder
th
is P
olic
y nu
ll an
d vo
id a
nd a
ll cl
aim
s un
der
this
Pol
icy
will
be
forf
eite
d.
3.1.9
Thi
s po
licy
als
o
excl
udes
loss
, da
mag
e, c
ost
or e
xpen
ses
of
wha
tsoe
ver
nat
ure
di
rect
ly o
r in
dire
ctly
ca
used
by,
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
28 www.ira.go.ug
UN
IQU
E N
ON
-L
IFE
IN
SU
RA
NC
E P
RO
DU
CT
S C
ON
T’D
....
18.
Any
unl
awfu
l pr
otes
t, in
timid
atio
n or
thre
at o
r vi
olen
ce
of fo
rce,
to a
ny
publ
ic b
ody;
19.
Any
Act
aim
ed
at p
rom
otin
g or
fr
ustr
atin
g ec
onom
ic,
polit
ical
, soc
ial
or e
nviro
nmen
tal
chan
ge:
20.
A d
isho
nour
able
ca
use
or m
otiv
e or
is ta
inte
d w
ith
illeg
ality
;
21.
A c
ause
or
actio
n w
hich
is v
exat
ious
or
mal
icio
us o
r pr
ocee
ding
s w
hich
ar
e th
emse
lves
ve
xatio
us o
r m
alic
ious
;
22.
Any
act
s/ev
ents
w
hich
took
pla
ce o
r w
ere
first
dis
cove
red
befo
re th
e va
lid d
ate
(inc
eptio
n) o
f the
po
licy.
23.
Any
act
s/ev
ents
w
hich
take
pla
ce o
r ar
e fir
st d
isco
vere
d af
ter
the
expi
ratio
n an
d/or
term
inat
ion
and/
or c
ance
llatio
n of
the
polic
y.
res
ultin
g fr
om o
r in
co
nnec
tion
with
any
ac
tion
in c
ontr
ollin
g,
prev
entin
g,
supp
ress
ing
or in
an
y w
ay re
latin
g to
abo
ve u
nder
se
ctio
n 3
Gen
eral
Ex
clus
ions
.
3.1.1
0 It
is u
nder
stoo
d th
at fr
aud
by
Inte
rnat
iona
l A
ir T
rans
port
A
ssoc
iatio
n is
ex
clud
ed a
bsol
utel
y.
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1729
24.
Cla
ims
whi
ch m
ay
aris
e be
twee
n th
e Po
licyh
olde
r Pa
rtie
s of
this
pol
icy
exce
pt
for
thos
e fo
r fa
mily
m
atte
rs, s
epar
atio
n an
d di
vorc
e.
25.
Act
s by
the
Polic
yhol
der
if th
ey a
re w
illfu
l or
invo
lve
frau
d or
gr
oss
negl
igen
ce,
acco
rdin
g to
any
fin
al r
ulin
g.
26.
Cla
ims
aris
ing
out
of th
e dr
ivin
g of
a
mot
or v
ehic
le b
y th
e Po
licyh
olde
r fo
r w
hich
the
Polic
yhol
der
does
no
t hav
e va
lid
stat
utor
y m
otor
ve
hicl
e th
ird p
arty
in
sura
nce.
27.
Cov
er is
not
ava
ilabl
e if
you
appo
int a
n ad
voca
te w
ithou
t fir
st c
onta
ctin
g th
e co
mpa
ny.
28.
Excl
udes
inci
dent
s th
at o
ccur
out
side
th
e te
rrito
rial
lim
its
stat
ed h
erei
n.
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
30 www.ira.go.ug
UN
IQU
E N
ON
-L
IFE
IN
SU
RA
NC
E P
RO
DU
CT
S C
ON
T’D
....
CH
AP
TE
R 7
GE
NE
RA
L D
ES
CR
IPT
ION
OF
LIF
E
INS
UR
AN
CE
PR
OD
UC
TS
The
follo
win
g lis
t pr
ovid
es a
gen
eral
des
crip
tion
of t
he li
fe in
sura
nce
prod
ucts
sol
d in
the
insu
ranc
e m
arke
t in
Uga
nda.
The
insu
ranc
e pr
oduc
ts a
re s
ub-d
ivid
ed in
to t
hree
br
oad
cate
gori
es, n
amel
y, li
fe in
divi
dual
, life
gro
up a
nd p
ensi
on p
rodu
cts.
LIFE
INSU
RA
NC
E PR
OD
UC
TS
LIFE
IND
IVID
UA
LLI
FE G
RO
UP
PEN
SIO
N
- W
hole
life
- Te
rm
- En
dow
men
t
- Pu
re E
ndow
men
t
- G
roup
Life
- C
redi
t Life
- A
nnui
ties
- D
epos
it A
dmin
istr
atio
n Pl
ans
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
32 www.ira.go.ug
CO
MPA
NY
SPE
CIF
IC L
IFE
INSU
RA
NC
E PR
OD
UC
TS
1.
Jubi
lee
Life
Insu
ranc
e C
ompa
ny o
f Uga
nda
Prod
uct N
ame
Jubi
lee
Fana
ka
Plan
Jubi
lee
Car
eer
Life
Pla
nFa
mily
Shi
eld
Term
A
ssur
ance
Ju
bile
e M
oney
Ba
ck (
Ant
ici-
pate
d En
dow
n-m
ents
)
MT
N L
ife C
are
Gro
up L
ife
Ass
uran
ceG
roup
Cre
dit
Ass
uran
ceG
roup
M
ortg
age
Ass
uran
ce
Brie
f Pro
duct
D
escr
ipti
onEn
dow
men
t Po
licy
for
gene
ral
deve
lopm
ent
e.g.
wed
ding
, bu
ildin
g et
c
Chi
ld
educ
atio
n po
licy
that
pr
ovid
es b
oth
a lif
e co
ver
and
inve
stm
ent
Fam
ily F
uner
al
expe
nse
Polic
yLi
fe c
over
if
deat
h oc
curs
w
ithin
the
term
of t
he
polic
y
Endo
wnm
ent
polic
y w
ith
inst
alm
ent
surv
ival
be
nefit
s
Life
Cov
er
appl
ied
thro
ugh
Mob
ile p
hone
Staf
f dea
th in
se
rvic
e be
nefit
Loan
pr
otec
tion
for
borr
ower
s w
ith lo
ans
not
exce
edin
g 72
m
onth
s
Loan
pr
otec
tion
for
borr
ower
s w
ith lo
ans
exce
edin
g 72
m
onth
s
Type
of
Busi
ness
Indi
vidu
al L
ife
Ass
uran
ceIn
divi
dual
Life
A
ssur
ance
Indi
vidu
al /
Fa
mily
fune
ral
Expe
nse
Insu
ranc
e
Indi
vidu
al L
ife
Ass
uran
ceIn
divi
dual
Life
A
ssur
ance
Mic
roin
sur-
ance
- F
uner
al
Expe
nse
Ann
ual
Rene
wal
Ter
m
Ass
uran
ce
Gro
up S
ingl
e Pr
emiu
m T
erm
A
ssur
ance
Gro
up T
erm
A
ssur
ance
Targ
et M
arke
tH
igh
& M
iddl
e In
com
e ea
rner
s (b
usin
ess
peop
le ,
bank
ers
, in
sure
rs ,
teac
hers
etc
.)
Hig
h &
Mid
dle
Inco
me
earn
ers
(bus
ines
s pe
ople
, ba
nker
s ,
insu
rers
, te
ache
rs e
tc.)
Hig
h, M
iddl
e &
Low
Inco
me
earn
ers
Hig
h en
d C
usto
mer
s,
Mor
tgag
e Bo
rrow
ers,
K
ey P
erso
ns in
C
ompa
nies
Mid
dle
Cla
ss,
Busi
ness
Pe
ople
Mid
dle
to
Low
inco
me
earn
ers,
M
obile
Su
bscr
iber
s
Org
anis
atio
ns
(NG
O’s
, go
vern
men
t pa
rast
atal
s , B
anks
, In
sura
nce
Com
pani
es ,
etc)
Fina
ncia
l In
stitu
tions
(B
anks
, M
FI’s
SA
CC
Os
, etc
)
Mor
tgag
e le
nder
s
Key
Ris
ks
cove
red
Dea
thD
eath
Dea
thD
eath
Dea
thD
eath
Dea
th ,
Dis
abili
ty,
Cri
tical
Illn
ess,
in
com
e Pr
otec
tion,
Fu
neal
Ex
pens
e
Dea
th,
Dis
abili
ty,
Cri
tical
Illn
ess,
Fu
nera
l Ex
pens
e
Dea
th ,
Dis
abili
ty
, Cri
tical
Ill
ness
, Fun
eal
Expe
nse
Dis
trib
utio
n ch
anne
lsA
gent
s, D
irect
&
Bro
kers
Age
nts,
Dire
ct
& B
roke
rsA
gent
s, D
irect
&
Bro
kers
Age
nts,
Dire
ct
& B
roke
rsA
gent
s, D
irect
&
Bro
kers
Tele
com
C
ompa
nyBr
oker
, A
gent
s, D
irect
Brok
er ,
Age
nts,
Dire
ctBr
oker
, Age
nts,
D
irect
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1733
Key
Ben
efit
sSu
m A
ssur
ed
and
Acc
rued
bo
nuse
s pa
id
at d
eath
or
mat
urity
w
hich
ever
co
mes
ear
lier
Sum
Ass
ured
an
d A
ccru
ed
bonu
ses
paid
at
dea
th o
r m
atur
ity
whi
chev
er
com
es e
arlie
r
Cos
t of
Fune
ral E
x-pe
nses
Refr
esh-
men
t ex-
pens
es
Cos
t of
groc
erie
s an
d sm
all
debt
repa
y-m
ent
Med
ical
ex
pens
es
on h
ospi
-ta
lizat
ion
due
to a
n ac
cide
nt
100
% S
um
Ass
ured
is
paya
ble
if de
ath
occu
rs
with
in th
e te
rm o
f the
po
licy.
sum
ass
ured
is
pai
d du
ring
ce
rtai
n in
terv
als
of
the
polic
y an
d th
e ba
lanc
e to
geth
er w
ith
the
accr
ued
bonu
ses
are
paid
at
mat
urity
.
Payo
uts
optio
ns: U
GX
. 1
Mill
ion
, U
GX
. 3 M
illio
n an
d U
GX
. 5
Mill
ion
Mul
tiple
of t
he
staf
f’s a
nnua
l sa
lary
or
flat
sum
ass
ured
Out
stan
ding
Lo
an B
alan
ceO
utst
andi
ng
Mor
tgag
e
Min
imum
pr
ice/
prem
ium
rate
Rate
s ar
e de
pend
ent o
n ag
e , p
olic
y te
rm a
nd s
um
assu
red
Rate
s ar
e de
pend
ent
on a
ge ,
laye
r, po
licy
term
an
d su
m
assu
red
Rate
s ar
e de
pend
ent o
n ag
e , n
umbe
r of
live
s co
vere
d an
d le
vel o
f cov
er
sele
cted
.
Rate
s ar
e de
pend
ent o
n ag
e a
nd T
erm
Rate
s ar
e de
pend
ent
on a
ge, T
erm
&
Num
ber
of p
artia
l m
atur
ity
inst
alm
ents
Ann
ual R
ate
depe
ndin
g on
Le
vel o
f Cov
er
Prem
ium
rate
is
det
erm
ined
ba
sed
on
num
ber
of
staf
f, av
erag
e ag
e, le
vel
of c
over
&
addi
tiona
l ri
ders
des
ired
Prem
ium
rate
is
det
erm
ined
ba
sed
on lo
an
tenu
re a
nd
scop
e of
cov
er
Eith
er s
ingl
e pr
emiu
m
or a
nnua
lly
rene
wab
le
cove
r
GE
NE
RA
L D
ES
CR
IPT
ION
OF
LIF
E I
NS
UR
AN
CE
PR
OD
UC
TS
CH
AP
TE
R 8
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
34 www.ira.go.ug
Rid
ers
(Ext
ra
Bene
fits
)W
aive
r of
Pr
emiu
m, T
otal
an
d Pe
rman
ent
Dis
abili
ty,
Acc
iden
tal
Dea
th B
enef
it,
Fam
ily S
hiel
d,
Adu
lt A
ccid
ent
Hos
pita
lizat
ion
&
Chi
ld
Acc
iden
t H
ospi
taliz
atio
n
Wai
ver
of
Prem
ium
, Tot
al
and
Perm
anen
t D
isab
ility
, A
ccid
enta
l D
eath
Ben
efit,
Fa
mily
Shi
eld,
A
dult
Acc
iden
t H
ospi
taliz
atio
n Ri
der
&
Chi
ld
Acc
iden
t H
ospi
taliz
atio
n
Opt
iona
l Sa
ving
s N
one
Wai
ver
of
Prem
ium
, Tot
al
and
Perm
anen
t D
isab
ility
, A
ccid
enta
l D
eath
Ben
efit,
La
st E
xpen
se
& A
ccid
ent
Hos
pita
lizat
ion
N/A
Tota
l Per
ma-
nent
/Dis
-ab
ility
, Cri
tical
Ill
ness
, inc
ome
Prot
ectio
n, F
u-ne
ral E
xpen
se,
Med
ical
Rei
m-
burs
emen
t
Tota
l Per
ma-
nent
Dis
abil-
ity, C
ritic
al
Illne
ss, F
uner
al
Expe
nse,
Ab-
scon
denc
e,
Invo
lunt
ary
Term
inat
ion
(Ret
renc
h-m
ent)
Tota
l Pe
rman
ent
Dis
abili
ty,
Cri
tical
Illn
ess,
Fu
nera
l Ex
pens
e
Excl
usio
nsSu
icid
e w
ithin
th
e fir
st 1
2 m
onth
s of
the
polic
y.
Suic
ide
with
in
the
first
12
mon
ths
of th
e po
licy.
War
and
re
late
d ri
sks,
Sa
bota
ge,
Ioni
zing
ra
diat
ion
or
cont
amin
atio
n,
Biol
ogic
al a
nd/
or c
hem
ical
w
arfa
re,
Inte
ntio
nal
self-
inju
ry o
r at
tem
pted
su
icid
e,
Prov
oked
as
saul
t or
fight
ing,
in
toxi
catio
n an
d ill
egal
dr
ugs,
ille
gal
activ
ty,
harz
adou
s sp
orts
Suic
ide
with
in
the
first
12
mon
ths
of th
e po
licy.
Suic
ide
with
in
the
first
12
mon
ths
of th
e po
licy.
Dea
th d
ue
to il
lnes
s in
th
e fir
st 6
0
days
, War
and
re
late
d ri
sks
Inte
ntio
nal s
elf
inju
ry, W
ar
and
rela
ted
risk
s
Inte
ntio
nal s
elf
inju
ry, W
ar
and
rela
ted
risk
s
Inte
ntio
nal s
elf
inju
ry, W
ar
and
rela
ted
risk
s
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1735
2.
Prud
enti
al A
ssur
ance
(U
) Lt
d
Prod
uct
Nam
e
Pru
Edus
ave
Plan
Pru
Life
-sa
ver
Plan
Pru
Cas
h-bu
ilder
Leve
l Ter
mPr
u Li
fe
Plus
W
hole
Life
Gro
up L
ife
Ass
uran
ceG
roup
Life
Ex
tens
ion
Gro
up
Fune
ral A
s-su
ranc
e
Gro
up
Mor
tgag
e Pr
otec
tion
Cre
dit L
ife
Ass
uran
ce
Brie
f Pr
oduc
t D
escr
iptio
n
A w
ith
prof
its
endo
wm
ent
assu
ranc
e po
licy
with
in
tent
ion
of s
avin
g to
war
ds
educ
atio
n of
ch
ild
An
endo
w-
men
t ass
ur-
ance
pla
n w
ith c
ombi
-na
tion
of ri
sk
cove
r and
in
vest
men
t
(sav
ings
)
A p
urel
y sa
ving
s pl
an
to a
chie
ve
savi
ngs
goal
s
A te
rm a
s -su
ranc
e pl
an
that
is a
lso
used
by
pro-
fess
iona
ls
as k
eym
an
assu
ranc
e
A w
hole
life
as
sura
nce
plan
that
has
bo
th a
ris
k co
ver a
nd a
n in
vest
men
t as
pect
that
ar
e ea
ch
dist
inct
.
A w
hole
life
as
sura
nce
plan
that
has
bo
th a
ris
k co
ver a
nd a
n in
vest
men
t as
pect
that
ar
e ea
ch
dist
inct
.
An
empl
oyee
be
nefit
sc
hem
e w
here
the
insu
ranc
e co
mpa
ny
pays
sum
as
sure
d up
on d
eath
w
hen
amem
ber o
f th
e sc
hem
e di
es fr
om
natu
ral o
r ac
cide
ntal
ca
uses
An
empl
oyee
be
nefit
sc
hem
e w
here
the
insu
ranc
e co
mpa
ny
pays
sum
as
sure
d up
on d
eath
w
hen
a m
embe
r of
the
sche
me
dies
from
ac
cide
ntal
ca
uses
Prov
ides
a
paym
ent t
o th
e fa
mily
of
the
empl
oyee
to
cov
er
the
final
ex
pens
es
of li
fe in
the
even
t of h
is
or h
er d
eath
w
hile
in
serv
ice.
Prov
ides
pa
ymen
t to
the
bank
w
hen
the
mor
tgag
e ow
ner d
ies
befo
re
com
plet
ing
his
mor
tgag
e.
Prov
ides
pa
ymen
t to
the
bank
w
hen
the
loan
ow
ner
dies
bef
ore
com
plet
ing
his
loan
.
Type
of
Busi
ness
Endo
wm
ent
Ass
uran
ceEn
dow
men
t A
ssur
ance
Savi
ngs
Plan
TERM
AS -
SURA
NC
EFa
mily
Pr
otec
tion
and
Savi
ngs
Fam
ily
Prot
ectio
nLi
fe
Cov
er fo
r em
ploy
ees
or G
roup
s w
ith
com
mon
go
al
Cov
er (
due
to n
atur
al
caus
es)
for
empl
oyee
s or
Gro
ups
with
co
mm
on
goal
Prov
ides
fu
nera
l ex
pens
es fo
r em
ploy
ees
or G
roup
s w
ith
com
mon
go
al
Prot
ectio
n ag
ains
t M
ortg
age
Loan
s
Prot
ectio
n ag
ains
t ot
her l
oans
(e
.g. s
alar
y lo
ans)
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
36 www.ira.go.ug
GE
NE
RA
L D
ES
CR
IPT
ION
OF
LIF
E I
NS
UR
AN
CE
PR
OD
UC
TS
CO
NT
’D...
.
Targ
et
Mar
ket
Pare
nts
and
Gua
rdia
nsPa
rent
s,
Gua
rdia
n,
Gra
nd
pare
nts
belo
w 6
5
All
indi
vidu
als
abov
e 18
ye
ars
and
belo
w 6
5 ye
ars
All
prof
es-
sion
als
who
se d
eath
m
ay re
sult
in
finan
cial
loss
to
com
pany
Peo
ple
with
fam
ilies
an
d re
quire
sa
ving
s an
d ris
k co
ver
Peop
le
with
fam
ilies
an
d re
quire
fa
mily
pr
otec
tion
Cor
pora
tes
and
othe
r G
roup
s e.
g.
SAC
CO
s
Cor
pora
tes
and
othe
r G
roup
s e.
g.
SAC
CO
s
Cor
pora
tes
and
othe
r G
roup
s e.
g.
SAC
CO
s
Bank
sBa
nks
Key
Risk
s co
vere
d D
eath
Per
man
ent
and
tota
l di
sabi
lity
Dea
th
S
avin
gs
S
avin
gs
D
eath
D
eath
Sav
ings
Dea
th
Dea
th o
f m
embe
r fr
om e
ither
na
tura
l or
acci
dent
al
caus
es
Dea
th o
f m
embe
r fr
om n
atur
al
or a
ccid
enta
l ca
uses
onl
y
Dea
th o
f m
embe
r fr
om e
ither
na
tura
l or
acci
dent
al
caus
es
Dea
th o
f Bo
rrow
erD
eath
of
Borr
ower
Dis
trib
utio
n ch
anne
lsBr
oker
s an
d A
gent
sBr
oker
s an
d A
gent
s Br
oker
s an
d A
gent
s Br
oker
s an
d A
gent
s Br
oker
s an
d A
gent
sBr
oker
s an
d A
gent
sBr
oker
s an
d A
gent
sBr
oker
s an
d A
gent
sBr
oker
s an
d A
gent
sBr
oker
s an
d A
gent
sBr
oker
s an
d A
gent
s
Key
Bene
fits
50
% o
f th
e Su
m
Ass
ured
on
deat
h an
d di
sabi
lity
Wai
ver
of fu
ture
Pr
emiu
ms
Sum
A
ssur
ed p
lus
accr
uing
bo
nuse
s on
dea
th
Mat
urity
va
lue
on
expi
ry o
f te
rm
Sav
ings
pl
us in
tere
st
on e
xpiry
of
polic
y te
rm
S
avin
gs
plus
inte
rest
on
dea
th
Upo
n de
ath
Sum
A
ssur
ed is
pa
id
Sum
A
ssur
ed
plus
sav
ings
on
dea
th
Sav
ings
pl
us
inte
rest
on
term
inat
ion
of p
olic
y
Upo
n D
eath
, Sum
A
ssur
ed p
lus
accr
uing
Bo
nuse
s
Pay
men
t of
the
Sum
A
ssur
ed
in e
vent
of
mem
ber’s
de
ath
as
a re
sult
of e
ither
na
tura
l or
acci
dent
al
caus
es.
Paym
ent
of th
e su
m
assu
red
upon
dea
th
whe
n m
embe
r of
sche
me
dies
fr
om n
atur
al
caus
es
Pay
men
t of
the
Sum
A
ssur
ed to
th
e fa
mily
of
the
mem
ber
to c
over
fu
nera
l ex
pens
es
in th
e ev
ent
of h
is/h
er
deat
h
Pays
ou
tsta
ndin
g lo
an b
alan
ce
to th
e ba
nk
whe
n th
e m
ortg
age
owne
r die
s be
fore
co
mpl
etin
g hi
s m
ortg
age.
Pays
ou
tsta
ndin
g lo
an d
ebt
to th
e ba
nk
whe
n th
e lo
an o
wne
r di
es b
efor
e co
mpl
etin
g hi
s lo
an.
Min
imum
pr
ice/
pre
-m
ium
rate
Min
imum
Pr
em:
100,
00
0/=
(M
onth
ly)
Min
imum
Te
rm:
10
year
s
Min
i-m
um P
rem
: 10
0,0
00/
=
(Mon
thly
)
M
inim
um
Term
: 10
ye
ars
Min
imum
Pr
emiu
m:
100,
00
0/=
(M
onth
ly)
Min
imum
Te
rm: 5
ye
ars
Min
imum
Pr
emiu
m:
100,
00
0/=
(M
onth
ly)
Min
imum
Te
rm: 1
yea
r
Min
imum
Pr
emiu
m:
100,
00
0/=
(M
onth
ly)
Min
imum
Pr
emiu
m:
100,
00
0/=
(M
onth
ly)
No
min
imum
pre
miu
ms.
The
pre
miu
m ra
tes
are
base
d on
the
Gro
up’s
av
erag
e ag
e
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1737
Ride
rs (E
xtra
Be
nefit
s) P
erm
anen
t to
tal
Dis
abili
ty
Wai
ver o
f Pr
emiu
m
NO
NE
NO
NE
NO
NE
NO
NE
NO
NE
Gro
up
Dis
abili
ty
Crit
ical
Ill
ness
Fun
eral
Ex
pens
es
G
roup
D
isab
ility
C
ritic
al
Illne
ss
NO
NE
NO
NE
Excl
usio
ns S
uici
de
Mili
tary
Se
rvic
e, R
iot
and
civi
l co
mm
otio
n,
War
and
A
viat
ion
W
ar, R
iot
and
Civ
il C
omm
o-tio
n (N
on
– M
ilita
ry
Pers
onne
l)
Il
lnes
ses
not d
is-
clos
ed p
rior
to
taki
ng
out p
olic
y (e
.g. A
ids,
hy
pert
en-
sion
)
Haz
ard-
ous
Occ
u-pa
tions
&
Avi
atio
n
Sui
cide
M
ilita
ry
Serv
ice,
Rio
t an
d ci
vil
com
mot
ion,
W
ar a
nd
Avi
atio
n
War
, Rio
t an
d C
ivil
Com
mo-
tion
(Non
–
Mili
tary
Pe
rson
nel)
Il
lnes
ses
not d
is-
clos
ed p
rior
to
taki
ng
out p
olic
y (e
.g. A
ids,
hy
pert
en-
sion
)
Haz
ard-
ous
Occ
u-pa
tions
&
Avi
atio
n
NIL
Sui
cide
M
ilita
ry
Serv
ice,
Rio
t an
d ci
vil
com
mot
ion,
W
ar a
nd
Avi
atio
n
War
, Rio
t an
d C
ivil
Com
mo-
tion
(Non
–
Mili
tary
Pe
rson
nel)
Il
lnes
ses
not d
is-
clos
ed p
rior
to
taki
ng
out p
olic
y (e
.g. A
ids,
hy
pert
en-
sion
)
Haz
ard-
ous
Occ
u-pa
tions
&
Avi
atio
n
Sui
cide
M
ilita
ry
Serv
ice,
Rio
t an
d ci
vil
com
mot
ion,
W
ar a
nd
Avi
atio
n
War
, Rio
t an
d C
ivil
Com
mo-
tion
(Non
–
Mili
tary
Pe
rson
nel)
Il
lnes
ses
not d
is-
clos
ed p
rior
to
taki
ng
out p
olic
y (e
.g. A
ids,
hy
pert
en-
sion
)
Haz
ard-
ous
Occ
u-pa
tions
&
Avi
atio
n
Sui
cide
M
ilita
ry
Serv
ice,
Rio
t an
d ci
vil
com
mot
ion,
W
ar a
nd
Avi
atio
n
War
, Rio
t an
d C
ivil
Com
mo-
tion
(Non
–
Mili
tary
Pe
rson
nel)
Il
lnes
ses
not d
is-
clos
ed p
rior
to
taki
ng
out p
olic
y (e
.g. A
ids,
hy
pert
en-
sion
)
Haz
ard-
ous
Occ
u-pa
tions
&
Avi
atio
n
Sui
cide
M
ilita
ry
Serv
ice,
Rio
t an
d ci
vil
com
mot
ion,
W
ar a
nd
Avi
atio
n
War
, Rio
t an
d C
ivil
Com
mo-
tion
(Non
–
Mili
tary
Pe
rson
nel)
Il
lnes
ses
not d
is-
clos
ed p
rior
to
taki
ng
out p
olic
y (e
.g. A
ids,
hy
pert
en-
sion
)
Haz
ard-
ous
Occ
u-pa
tions
&
Avi
atio
n
Avi
atio
n,
exce
pt fo
r pa
ssen
gers
an
d cr
ew
of a
irlin
es
and
priv
ate
flyin
g pu
rely
for
tran
spor
t pu
rpos
es.
Inta
ke
of il
lega
l dr
ugs.
Avi
atio
n
Dire
ct
invo
lvem
ent
in w
ar,
war
like
situ
atio
n,
riot
and
/or
civ
il un
rest
.Civ
il C
omm
otio
n (N
on –
M
ilita
ry
Pers
onne
l)
Sui
cide
Sui
cide
M
ilita
ry
Serv
ice,
Rio
t an
d ci
vil
com
mot
ion,
W
ar a
nd
Avi
atio
n
War
, Rio
t an
d C
ivil
Com
mot
ion
(Non
– M
ili-
tary
Per
son-
nel)
Il
l-ne
sses
not
di
sclo
sed
prio
r to
ta
king
out
po
licy
(e.g
. A
ids,
hy-
pert
ensi
on)
H
azar
d-ou
s O
ccu-
patio
ns &
A
viat
ion
Sui
cide
M
ilita
ry
Serv
ice,
Rio
t an
d ci
vil
com
mot
ion,
W
ar a
nd
Avi
atio
n
War
, Rio
t an
d C
ivil
Com
mot
ion
(Non
– M
ili-
tary
Per
son-
nel)
Il
l-ne
sses
not
di
sclo
sed
prio
r to
ta
king
out
po
licy
(e.g
. A
ids,
hy-
pert
ensi
on)
H
azar
d-ou
s O
ccu-
patio
ns &
A
viat
ion
Sui
cide
M
ilita
ry
Serv
ice,
Ri
ot a
nd
civi
l com
-m
otio
n,
War
and
A
viat
ion
W
ar, R
iot
and
Civ
il C
omm
otio
n (N
on –
Mili
-ta
ry P
erso
n-ne
l)
Illn
esse
s no
t dis
-cl
osed
pri
or
to ta
king
ou
t pol
icy
(e.g
. Aid
s,
hype
r-te
nsio
n)
Haz
ard-
ous
Occ
u-pa
tions
&
Avi
atio
n
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
38 www.ira.go.ug
GE
NE
RA
L D
ES
CR
IPT
ION
OF
LIF
E I
NS
UR
AN
CE
PR
OD
UC
TS
CO
NT
’D...
.
3.
Libe
rty
Life
Ass
uran
ce (
U)
Ltd
Prod
uct N
ame
Fune
ral P
lan
Acc
iden
tal P
rote
ctio
n Pl
anSi
mpl
e Li
fe P
lan
Cri
tica
l Illn
ess
Plan
Educ
atio
n Pr
otec
tor
Brie
f Pro
duct
Des
crip
tion
The
fune
ral p
lan
pays
out
a
lum
psum
in th
e ev
ent
of d
eath
of t
he p
olic
y ho
lder
to c
over
the
cost
of
a fu
nera
l. Th
ere
is a
n op
tion
to c
over
the
polic
y ho
lder
, one
spo
use
and
a m
axim
um o
f six
chi
ldre
n w
ith a
cho
ice
to a
dd
pare
nts
and
pare
nts
in
law
as
wel
l as
exte
nded
fa
mily
mem
bers
.
Acc
iden
tal P
rote
ctio
n pl
an p
rovi
des
a lu
mps
um
paym
ent o
n th
e ac
cide
ntal
loss
of l
ife o
r ac
cide
ntal
impa
irem
ent
of th
e po
licyh
olde
r.
Sim
ple
Life
pla
n is
a
com
preh
ensi
ve c
over
pr
ovid
ing
a lu
mps
um
bene
fit o
n th
e oc
cure
nce
of th
e po
licyh
olde
r pa
ssin
g aw
ay. T
here
ar
e ad
ditio
nal b
enef
its
to c
hoos
e fr
om in
the
unfo
rtun
ate
even
t tha
t th
e po
licyh
olde
r is
una
ble
to e
arn
an in
com
e du
e to
a C
ritic
al Il
lnes
s,
phys
ical
Impa
irem
ent a
nd
Perm
anen
t Dis
abili
ty.
Cri
tical
Illn
ess
plan
pr
ovid
es a
lum
psum
to
help
eas
e th
e fin
anci
al
burd
en th
at th
e m
embe
r co
uld
suff
er d
ue to
a
criti
cal i
llnes
s.
Educ
atio
n Pr
otec
tor
plan
pr
ovid
es a
lum
psum
on
the
occu
rren
ce o
f phy
sica
l im
paire
men
t and
dea
th to
he
lp p
rovi
de fo
r a
polic
y ho
lder
’s c
hild
’s e
duca
tion.
Type
of B
usin
ess
Life
Insu
ranc
eLi
fe In
sura
nce
Life
Insu
ranc
eLi
fe In
sura
nce
Life
Insu
ranc
e
Targ
et M
arke
tM
ediu
m-L
ow in
com
e Ea
rner
sM
ediu
m-L
ow in
com
e Ea
rner
sM
ediu
m-L
ow in
com
e Ea
rner
sM
ediu
m-L
ow in
com
e Ea
rner
sM
ediu
m-L
ow in
com
e Ea
rner
s
Key
Ris
ks c
over
edD
eath
Phys
ical
Impa
irem
ent a
nd
Acc
iden
tal D
eath
Dea
th, C
ritic
al Il
lnes
s an
d
Phys
ical
Impa
irem
ent
Cri
tical
Illn
ess
Dea
th a
nd P
hysi
cal
Impa
irem
ent
Dis
trib
utio
n ch
anne
lsa)
D
irect
ly to
Indi
vidu
als
b)
To g
roup
s th
roug
h W
orks
ite m
arke
ting
c)
Aff
inity
par
tner
s
d)
Brok
ers
e)
Fran
chis
es
a)
Dire
ctly
to In
divi
dual
s
b)
To g
roup
s th
roug
h W
orks
ite m
arke
ting
c)
Aff
inity
par
tner
s
d)
Brok
ers
e)
Fran
chis
es
a)
Dire
ctly
to In
divi
dual
s
b)
To g
roup
s th
roug
h W
orks
ite m
arke
ting
c)
Aff
inity
par
tner
s (d
) Br
oker
s
e)
Fran
chis
es
a)
Dire
ctly
to In
divi
dual
s
b)
To g
roup
s th
roug
h W
orks
ite m
arke
ting
c)
Aff
inity
par
tner
s
d)
Brok
ers
e)
Fran
chis
es
a)
Dire
ctly
to In
divi
dual
s
b)
To g
roup
s th
roug
h W
orks
ite m
arke
ting
c)
Aff
inity
par
tner
s
d)
Brok
ers
e)
Fran
chis
es
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1739
Key
Ben
efits
Cas
h be
nefit
, Acc
iden
tal
deat
h, P
rem
ium
wai
ver,
Fam
ily S
uppo
rt a
nd
Tom
bsto
ne b
enef
it
Phys
ical
Impa
irem
ent a
nd
Acc
iden
tal D
eath
ben
efit
Perm
anen
t Dis
abili
ty,
Cri
tical
Illn
ess,
Phy
sica
l Im
pair
men
t, Fu
nera
l and
A
ccid
enta
l Dea
th b
enef
it
Cri
tical
Illn
ess
and
Fune
ral b
enef
itD
eath
ben
efit,
Phy
sica
l Im
paire
men
t ben
efit,
C
hild
Fun
eral
ben
efit
and
Pare
nt p
ayba
ck b
enef
it
Min
imum
pri
ce/p
rem
ium
ra
teU
gx.s
hs.6
,00
0=
shs.
7,0
00
=Pr
emiu
ms
prov
ided
will
be
det
erm
ined
bas
ed o
n cl
ient
’s a
ge, g
ende
r an
d su
ms
assu
red
Prem
ium
s pr
ovid
ed w
ill
be d
eter
min
ed b
ased
on
clie
nt’s
age
, gen
der
and
sum
s as
sure
d
Prem
ium
s pr
ovid
ed w
ill
be d
eter
min
ed b
ased
on
clie
nt’s
age
, gen
der
and
sum
s as
sure
d
Ride
rs (
Extr
a Be
nefit
s)N
/AN
/AC
ritic
al Il
lnes
s, F
uner
al
and
Acc
iden
tal p
rote
ctio
nFu
nera
lN
/A
a)In
vasi
on o
r ac
t of
fore
ign
enem
y.(b
) H
ostil
ities
(w
heth
er
war
is d
ecla
red
or n
ot).
(c)
Invo
lvem
ent i
n cr
imin
al a
ctiv
ity. (
d)
Suic
ide
or s
elf-
infli
cted
in
juri
es w
ithin
the
first
24
mon
ths
follo
win
g th
e co
mm
ence
men
t da
te. (
e)Th
e ef
fect
s of
ra
dioa
ctiv
ity o
r nu
clea
r ex
plos
ion.
(f)
Acc
iden
tal
Dea
th a
s a
resu
lt of
rio
t, pr
ivat
e fly
ing,
haz
ardo
us
spor
ts o
r an
y ill
egal
act
s w
here
the
dece
ased
was
di
rect
ly in
volv
ed. (
g)N
on-
com
plia
nce
to m
edic
al
trea
tmen
t.
a) In
vasi
on o
r ac
t of
fore
ign
enem
y. (
b)H
ostil
ities
(w
heth
er
war
is d
ecla
red
or
not)
.(c)
Invo
lvem
ent
in c
rim
inal
act
ivity
, Su
icid
e or
sel
f-in
flict
ed
inju
ries
with
in th
e fir
st
24 m
onth
s fo
llow
ing
the
com
men
cem
ent
date
. (d)
The
eff
ects
of
radi
oact
ivity
or
nucl
ear
expl
osio
n.(e
) A
ccid
enta
l im
paire
men
t as
a re
sult
of r
iot,
priv
ate
flyin
g,
haza
rdou
s sp
orts
or
any
illeg
al a
cts
whe
re th
e de
ceas
ed w
as d
irect
ly
invo
lved
. (f)
Non
-co
mpl
ianc
e to
med
ical
tr
eatm
ent.
a) In
vasi
on o
r ac
t of
fore
ign
enem
y. (
b)
Hos
tiliti
es (
whe
ther
w
ar is
dec
lare
d or
not
).
(c)
Invo
lvem
ent i
n cr
imin
al a
ctiv
ity. (
d)
Suic
ide
or s
elf-
infli
cted
in
juri
es w
ithin
the
first
24
mon
ths
follo
win
g th
e co
mm
ence
men
t da
te.(
e) T
he e
ffec
ts o
f ra
dioa
ctiv
ity o
r nu
clea
r ex
plos
ion.
(f)
Acc
iden
tal
impa
irem
ent a
s a
resu
lt of
rio
t, pr
ivat
e fly
ing,
ha
zard
ous
spor
ts o
r an
y ill
egal
act
s w
here
the
dece
ased
was
dire
ctly
in
volv
ed. (
g) N
on-
com
plia
nce
to m
edic
al
trea
tmen
t.
a) P
re-e
xist
ing
cond
ition
s (b
) A
ll ca
ncer
s in
situ
an
d al
l pre
-mal
igna
nt
cond
ition
s (i
) A
ll tu
mou
rs
of th
e pr
osta
te u
nles
s hi
stol
ogic
ally
cla
ssifi
ed
as h
avin
g a
Gle
ason
sc
ore
grea
ter
than
6 o
r ha
ving
pro
gres
sed
to
at le
ast c
linic
al T
NM
cl
assi
ficat
ion
T2N
0M
0.
(ii)
All
skin
can
cers
, ot
her
than
mal
igna
nt
mel
anom
a th
at h
as b
een
hist
olog
ical
ly c
lass
ified
as
havi
ng c
ause
d in
vasi
on
beyo
nd th
e ep
ider
mis
(o
uter
laye
r of
ski
n). (
c)
Stro
ke:
(i)
Tran
sien
t is
chae
mic
att
ack
(ii)
V
ascu
lar d
isea
se a
ffec
ting
the
eye
or o
ptic
ner
ve (
iii)
Mig
rain
e (i
v) V
estib
ular
di
sord
ers
a) In
vasi
on o
r ac
t of
fore
ign
enem
y (b
) H
ostil
ities
(w
heth
er
war
is d
ecla
red
or n
ot)
(c)
Invo
lvem
ent i
n cr
imin
al a
ctiv
ity (
d)
Suic
ide
or s
elf-
infli
cted
in
juri
es w
ithin
the
first
24
mon
ths
follo
win
g th
e co
mm
ence
men
t da
te (
e) T
he e
ffec
ts o
f ra
dioa
ctiv
ity o
r nu
clea
r ex
plos
ion
(f)
Acc
iden
tal
deat
h or
impa
irm
ent a
s a
resu
lt of
rio
t, pr
ivat
e fly
ing,
haz
ardo
us s
port
s or
any
ille
gal a
cts
whe
re
the
dece
ased
was
di
rect
ly in
volv
ed (
g) N
on-
com
plia
nce
to m
edic
al
trea
tmen
t (h)
A c
laim
will
no
t be
paid
in th
e fir
st 1
2 m
onth
s if
it is
rela
ted
to a
co
nditi
on o
r in
jury
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
40 www.ira.go.ug
GE
NE
RA
L D
ES
CR
IPT
ION
OF
LIF
E I
NS
UR
AN
CE
PR
OD
UC
TS
CO
NT
’D...
.
Excl
usio
ns (
v) T
raum
atic
inju
ry to
br
ain
tissu
e or
blo
od
vess
els
(d)
Hea
rt A
ttac
k:
(i)
Acu
te c
oron
ary
synd
rom
es, i
nclu
ding
but
no
lim
ited
to a
ngin
a
that
the
polic
yhol
der
was
aw
are
of o
r tr
eate
d fo
r du
ring
the
6 m
onth
s be
fore
the
polic
y st
arte
d.
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1741
Libe
rty
Life
con
t’d...
Prod
uct N
ame
BLU
E LI
TE
BLU
E C
LASS
ICBL
UE
CLA
SSIC
EV
AC
UA
TIO
NBL
UE
CLA
SSIC
R
OA
MIN
GBL
UE
PLU
SBL
UE
ELIT
E
Brie
f Pro
duct
D
escr
ipti
onC
over
s In
patie
nt,
Maj
or D
isea
ses,
M
ater
nity
, O
utpa
tient
, Den
tal
and
Opt
ical
in
Uga
nda.
Ove
rall
Ann
ual L
imit
is U
GX
57
.2 M
in U
gand
a.
Cov
ers
Inpa
tient
, M
ajor
Dis
ease
s,
Mat
erni
ty,
Out
patie
nt, D
enta
l (
Basi
c &
Spe
cial
ized
) an
d O
ptic
al in
U
gand
a. O
vera
ll A
nnua
l Lim
it is
UG
X
286
M in
Eas
t Afr
ica.
Cov
ers
Inpa
tient
, M
ajor
Dis
ease
s,
Mat
erni
ty,
Out
patie
nt, D
enta
l (
Basi
c &
Spe
cial
ized
) an
d O
ptic
al in
U
gand
a. O
vera
ll A
nnua
l Lim
it is
U
GX
28
6 M
in E
ast
Afr
ica.
Em
erge
ncy
evac
uati
on (
Afr
ica
&
Indi
a)
Cov
ers
Inpa
tient
, M
ajor
Dis
ease
s,
Mat
erni
ty,
Out
patie
nt, D
enta
l (
Basi
c &
Spe
cial
ized
) an
d O
ptic
al in
U
gand
a. O
vera
ll A
nnua
l Lim
it is
UG
X
1.43
Billi
on in
Eas
t A
fric
a. In
pati
ent c
are
( A
fric
a &
Indi
a)
Cov
ers
Inpa
tient
, M
ajor
Dis
ease
s,
Mat
erni
ty,
Out
patie
nt, D
enta
l (
Basi
c &
Spe
cial
ized
) an
d O
ptic
al in
U
gand
a. O
vera
ll A
nnua
l Lim
it is
UG
X
1.43
Billi
on. C
over
s A
fric
a &
Indi
a
Cov
ers
Inpa
tient
, M
ajor
Dis
ease
s,
Mat
erni
ty,
Out
patie
nt, D
enta
l (
Basi
c &
Spe
cial
ized
) an
d O
ptic
al in
U
gand
a. O
vera
ll A
nnua
l Lim
it is
U
GX
2.8
6 Bi
llion
. W
orld
wid
e co
ver
(exc
lude
ing
Nor
th
Am
eric
a)
Year
of a
ppro
val
2015
2015
2015
2015
2015
2015
Type
of B
usin
ess
Med
ical
Insu
ranc
eM
edic
al In
sura
nce
Med
ical
Insu
ranc
eM
edic
al In
sura
nce
Med
ical
Insu
ranc
eM
edic
al In
sura
nce
Targ
et M
arke
tC
orpo
rate
s,
Mul
tiNat
iona
ls,
SME’
s an
d In
divi
dual
s
Cor
pora
tes,
M
ultiN
atio
nals
, SM
E’s
and
Indi
vidu
als
Cor
pora
tes,
M
ultiN
atio
nals
, SM
E’s
and
Indi
vidu
als
Cor
pora
tes,
M
ultiN
atio
nals
, SM
E’s
and
Indi
vidu
als
Cor
pora
tes,
M
ultiN
atio
nals
, SM
E’s
and
Indi
vidu
als
Cor
pora
tes,
M
ultiN
atio
nals
, SM
E’s
and
Indi
vidu
als
Key
Ris
ks c
over
edIll
ness
& A
ccid
ent
Hos
pita
lizat
ion
& D
ay
to D
ay O
utpa
tient
Se
rvic
es
Illne
ss &
Acc
iden
t H
ospi
taliz
atio
n, D
ay
to D
ay O
utpa
tient
Se
rvic
es &
Eva
cuat
ion
Illne
ss &
Acc
iden
t H
ospi
taliz
atio
n, D
ay
to D
ay O
utpa
tient
Se
rvic
es &
Eva
cuat
ion
Illne
ss &
Acc
iden
t H
ospi
taliz
atio
n, D
ay
to D
ay O
utpa
tient
Se
rvic
es &
Eva
cuat
ion
Illne
ss &
Acc
iden
t H
ospi
taliz
atio
n, D
ay
to D
ay O
utpa
tient
Se
rvic
es &
Eva
cuat
ion
Illne
ss &
Acc
iden
t H
ospi
taliz
atio
n, D
ay
to D
ay O
utpa
tient
Se
rvic
es &
Eva
cuat
ion
Dis
trib
utio
n ch
anne
lsD
irect
(In
hou
se),
Br
oker
s &
Age
nts
Dire
ct (
In h
ouse
),
Brok
ers
& A
gent
sD
irect
(In
hou
se),
Br
oker
s &
Age
nts
Dire
ct (
In h
ouse
),
Brok
ers
& A
gent
sD
irect
(In
hou
se),
Br
oker
s &
Age
nts
Dire
ct (
In h
ouse
),
Brok
ers
& A
gent
s
Key
Ben
efit
sIll
ness
& A
ccid
ent
Hos
pita
lizat
ion
& D
ay
to D
ay O
utpa
tient
Se
rvic
es
Illne
ss &
Acc
iden
t H
ospi
taliz
atio
n &
Day
to
Day
Out
patie
nt
Serv
ices
Illne
ss &
Acc
iden
t H
ospi
taliz
atio
n &
Day
to
Day
Out
patie
nt
Serv
ices
Illne
ss &
Acc
iden
t H
ospi
taliz
atio
n &
Day
to
Day
Out
patie
nt
Serv
ices
Illne
ss &
Acc
iden
t H
ospi
taliz
atio
n &
Day
to
Day
Out
patie
nt
Serv
ices
Illne
ss &
Acc
iden
t H
ospi
taliz
atio
n &
Day
to
Day
Out
patie
nt
Serv
ices
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
42 www.ira.go.ug
GE
NE
RA
L D
ES
CR
IPT
ION
OF
LIF
E I
NS
UR
AN
CE
PR
OD
UC
TS
CO
NT
’D...
.
Min
imum
pri
ce/
prem
ium
rate
0 -
21
Year
s:
UG
X 7
18 2
36
22
- 5
9 Ye
ars:
U
GX
972
44
8
59 Y
ears
+: U
GX
1
594
60
7
0 -
21
Year
s:
UG
X 8
77 5
27
22
- 5
9 Ye
ars:
U
GX
1 5
10 9
47
59
Yea
rs+
: UG
X 3
38
2 56
5
0 -
21
Year
s:
UG
X 1
14
1 67
8
22 -
59
Year
s:
UG
X 2
00
1 51
4
59 Y
ears
+: U
GX
3
382
565
0 -
21
Year
s:
UG
X 1
799
811
22 -
59
Year
s:
UG
X 3
182
56
4
59 Y
ears
+: U
GX
5 5
11
713
0 -
21
Year
s:
UG
X 3
24
8 4
07
22 -
59
Year
s: U
GX
3
743
217
59
Year
s+: U
GX
6 4
83
44
7
0 -
21
Year
s:
UG
X 3
94
6 70
7
22 -
59
Year
s:
UG
X 6
575
24
7
59
Yea
rs+
: UG
X 1
1 17
4 4
27
Rid
ers
(Ext
ra
Bene
fits
)Fu
nera
l Cov
er: U
GX
1
550
00
0Fu
nera
l Cov
er: U
GX
1
550
00
0Fu
nera
l Cov
er: U
GX
1
550
00
0Fu
nera
l Cov
er: U
GX
1
550
00
0Fu
nera
l Cov
er: U
GX
1
550
00
0Fu
nera
l Cov
er: U
GX
1
550
00
0
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1743
4.
ICEA
Life
Ass
uran
ce C
ompa
ny L
td
Prod
uct N
ame
Gro
up L
ife
Ass
uran
ceG
roup
Ter
m
Ass
uran
ceG
roup
Cre
dit
Life
Ass
uran
ceG
roup
Las
t Ex
pens
eIC
EA F
CEn
dow
men
t A
ssur
ance
wit
h pr
ofit
s
Trip
le P
ayba
ck
Ass
uran
ce
polic
y
Chi
ld E
duca
tor
Polic
y
Brie
f Pro
duct
D
escr
ipti
onPr
ovid
es
finan
cial
pr
otec
tion
for
deat
h in
ser
vice
Prov
ides
fin
anci
al b
enef
it fo
r de
ath
in a
gi
ven
peri
od
Prov
ides
fin
anci
al
prot
ectio
n fo
r de
ath
befo
re
com
plet
ion
of
loan
repa
ymen
t
Prov
ides
a c
ash
paym
ent o
r fu
nera
l ser
vice
up
on d
eath
of
the
insu
red.
Prov
ides
a
fune
ral s
ervi
ce
upon
dea
th o
f th
e in
sure
d.
Prov
ides
fin
anci
al
prot
ectio
n fo
r de
ath
with
in
the
term
or
a su
rviv
al b
enef
it
Prov
ides
fin
anci
al
prot
ectio
n fo
r de
ath
with
in
the
term
or
a su
rviv
al b
enef
it pa
id in
pha
ses
duri
ng th
e te
rm.
Gua
rant
ees
child
ren’
s Ed
ucat
ion
by p
rovi
ding
fin
anci
al
prot
ectio
n fo
r de
ath
of a
pa
rent
with
in
the
term
or
a su
rviv
al b
enef
it
Type
of
Busi
ness
Life
Cov
erLi
fe C
over
Life
Cov
erFu
nera
l Cov
erFu
nera
l Cov
erLi
fe c
over
w
ith S
avin
gs
com
pone
nt
Life
cov
er
with
Sav
ings
co
mpo
nent
Life
cov
er
with
Sav
ings
co
mpo
nent
Targ
et M
arke
tPr
ivat
e C
ompa
nies
, Pa
rast
atal
s,
NG
Os,
All
Empl
oyer
s
Bank
s, P
riva
te
Com
pani
es,
Para
stat
als,
N
GO
s, A
ffin
ity
Gro
ups
Bank
s,
Mic
rofin
ance
In
stitu
tions
, SA
CC
Os,
Em
ploy
ers
Priv
ate
Com
pa-
nies
, Par
asta
t-al
s, N
GO
s, A
ll Em
ploy
ers,
Af-
finity
Gro
ups.
Indi
vidu
al a
nd
fam
ilies
Indi
vidu
als
both
in
form
al a
nd in
in
form
al s
ecto
r
Indi
vidu
als
both
in
form
al a
nd in
in
form
al s
ecto
r
Indi
vidu
als
both
in
form
al a
nd in
in
form
al s
ecto
r
Key
Ris
ks
cove
red
Dea
th in
ser
vice
Dea
th in
a g
iven
te
rmD
eath
of
borr
ower
Dea
thD
eath
Dea
thD
eath
Dea
th
Dis
trib
utio
n ch
anne
lsBr
oker
s, A
gent
s,
Dire
ctBr
oker
s, A
gent
s,
Dire
ctBr
oker
s, A
gent
s,
Dire
ctBr
oker
s, A
gent
s,
Dire
ctBr
oker
s, A
gent
s,
Dire
ctA
gent
s, D
irect
Age
nts,
Dire
ctA
gent
s, D
irect
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
44 www.ira.go.ug
GE
NE
RA
L D
ES
CR
IPT
ION
OF
LIF
E I
NS
UR
AN
CE
PR
OD
UC
TS
CO
NT
’D...
.
Key
Ben
efit
sD
eath
in s
ervi
ceD
eath
in a
giv
en
term
Dea
th o
f bo
rrow
er D
eath
Dea
th
Lum
psum
on
surv
ial t
o th
e en
d of
the
term
or
ear
lier
deat
h
Part
ial
mat
uriti
es a
re
paid
dur
ing
the
term
and
th
e re
mai
ning
pr
opor
tion
at th
e en
d of
th
e te
rm o
r a
lum
psum
on
earl
ier
deat
h
Prop
ortio
n of
th
e su
m a
ssur
ed
is p
ayab
le o
n de
ath
and
the
rem
aini
ng
prop
ortio
n on
m
atur
ity e
ither
as
a lu
mps
um o
r in
inst
allm
ents
Min
imum
pri
ce/
prem
ium
rate
50,0
00
/=50
,00
0/=
50,0
00
/=50
,00
0/=
50,0
00
/=50
,00
0/=
50,0
00
/=50
,00
0/=
Rid
ers
(Ext
ra
Bene
fits
)PT
D, C
ritic
al
Illne
ss, L
ast
Expe
nse
PTD
, Cri
tical
Ill
ness
, Las
t Ex
pens
e
PTD
, Cri
tical
Ill
ness
, Bor
row
er
Last
Exp
ense
Non
eN
one
Last
Exp
ense
s
C
ritic
al il
lnes
s
Pe
rman
ent
Dis
abili
ty
Acc
iden
tal
Dea
th B
enef
it
Last
Exp
ense
s
C
ritic
al il
lnes
s
Pe
rman
ent
Dis
abili
ty
Acc
iden
tal
Dea
th B
enef
it
Last
Exp
ense
s
C
ritic
al il
lnes
s
Pe
rman
ent
Dis
abili
ty
Acc
iden
tal
Dea
th B
enef
it
Excl
usio
nsW
ar R
isks
Su
icid
e &
In
tent
iona
l Se
lf In
jury
Illeg
al in
take
of
drug
s
Avi
atio
n ex
cept
for
tran
spor
t pu
rpos
es o
nly.
A
tom
ic a
nd
Nuc
lear
Fis
sion
. Pr
e-ex
istin
g co
nditi
ons
War
Ris
ks
Suic
ide
&
Inte
ntio
nal
Self
Inju
ry
Ill
egal
inta
ke o
f dr
ugs
A
viat
ion
exce
pt fo
r tr
ansp
ort
purp
oses
onl
y.
Ato
mic
and
N
ucle
ar F
issi
on.
Pre-
exis
ting
cond
ition
s
War
Ris
ks
Suic
ide
&
Inte
ntio
nal
Self
Inju
ry
Illeg
al in
take
of
drug
s
Avi
atio
n ex
cept
for
tran
spor
t pu
rpos
es o
nly.
Ato
mic
and
N
ucle
ar F
issi
on.
Pre-
exis
ting
cond
ition
s
A
rrea
rs a
nd
pena
lties
War
Ris
ks
Suic
ide
&
Inte
ntio
nal
Self
Inju
ry
Illeg
al in
take
of
drug
s
Avi
atio
n ex
cept
for
tran
spor
t pu
rpos
es o
nly.
A
tom
ic a
nd
Nuc
lear
Fis
sion
. D
eath
with
in th
e w
aitin
g pe
riod
War
Ris
ks
Suic
ide
&
Inte
ntio
nal
Self
Inju
ry
Illeg
al in
take
of
drug
s
Avi
atio
n ex
cept
for
tran
spor
t pu
rpos
es o
nly.
A
tom
ic a
nd
Nuc
lear
Fis
sion
. D
eath
with
in th
e w
aitin
g pe
riod
War
Ris
ks
Suic
ide
&
Inte
ntio
nal
Self
Inju
ry
Illeg
al in
take
of
drug
s
Avi
atio
n ex
cept
for
tran
spor
t pu
rpos
es o
nly.
A
tom
ic a
nd
Nuc
lear
Fis
sion
. D
eath
with
in th
e w
aitin
g pe
riod
War
Ris
ks
Suic
ide
&
Inte
ntio
nal
Self
Inju
ry
Illeg
al in
take
of
drug
s
Avi
atio
n ex
cept
for
tran
spor
t pu
rpos
es o
nly.
A
tom
ic a
nd
Nuc
lear
Fis
sion
. D
eath
with
in th
e w
aitin
g pe
riod
War
Ris
ks
Suic
ide
&
Inte
ntio
nal
Self
Inju
ry
Ill
egal
inta
ke o
f dr
ugs
A
viat
ion
exce
pt fo
r tr
ansp
ort
purp
oses
onl
y.
Ato
mic
and
N
ucle
ar F
issi
on.
Dea
th w
ithin
th
e w
aitin
g pe
riod
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1745
ICEA
Life
Con
t’d...
Prod
uct
Nam
eTe
leka
Sm
art
Savi
ngs
Plan
Pers
onal
Sa
ving
s Pl
an
Val
ue
Add
ed T
erm
A
ssur
ance
Term
A
ssur
ance
Key
Man
A
ssur
ance
M
ortg
age
Prot
ecti
onV
alue
Add
ed
Mor
tgag
e Pr
otec
tion
Who
le li
fe
Ass
uran
ceBa
mal
eko
Educ
atio
n Pl
an
Ann
uity
Brie
f Pr
oduc
t D
escr
ipti
on
Inve
stm
ent
prod
uct w
ith
finan
cial
pr
otec
tion
for
deat
h w
ithin
the
term
Pure
In
vest
men
t Pr
oduc
t
Prov
ides
fin
anci
al
prot
ectio
n fo
r de
ath
with
in
the
term
bu
t with
a
refu
nd o
f a
prop
ortio
n of
pr
emiu
m o
n su
rviv
al.
Prov
ides
fin
anci
al
prot
ectio
n fo
r de
ath
with
in th
e te
rm
Prov
ides
fin
anci
al
prot
ectio
n fo
r bu
sine
ss
on d
eath
of
the
a ke
y pe
rson
.
Prov
ides
fin
anci
al
prot
ectio
n fo
r de
ath
befo
re
com
plet
ion
of M
ortg
age
repa
ymen
t
Prov
ides
fin
anci
al
prot
ectio
n fo
r de
ath
befo
re
com
plet
ion
of M
ortg
age
repa
ymen
t
Prov
ides
fin
anci
al
prot
ectio
n fo
r de
ath
at
any
time
Prov
ides
fin
anci
al
prot
ectio
n fo
r de
ath
befo
re
com
plet
ion
of a
giv
en
leve
l of
educ
atio
n
Prov
ides
pr
otec
tion
agai
nst o
ld
age
pove
rty
Type
of
Busi
ness
Savi
ngs
prod
uct w
ith
a lif
e co
ver
com
pone
nt
Pure
sa
ving
s/In
vest
men
t pr
oduc
t
Live
cov
erLi
fe C
over
Life
Cov
erLi
fe C
over
Life
Cov
erLi
fe C
over
Life
Cov
erLi
fe C
over
Targ
et
Mar
ket
Indi
vidu
als
both
in
form
al a
nd
in in
form
al
sect
or
Indi
vidu
als
both
in
form
al a
nd
in in
form
al
sect
or -
Es
peci
ally
th
ose
that
ar
e no
t In
sura
ble
Indi
vidu
als
both
in
form
al a
nd
in in
form
al
sect
or
Indi
vidu
als
both
in
form
al a
nd
in in
form
al
sect
or
Indi
vidu
als
both
in
form
al a
nd
in in
form
al
sect
or
Indi
vidu
als
both
in
form
al a
nd
in in
form
al
sect
or
Indi
vidu
als
both
in
form
al a
nd
in in
form
al
sect
or
Indi
vidu
als
both
in
form
al a
nd
in in
form
al
sect
or
Indi
vidu
als
both
in
form
al a
nd
in in
form
al
sect
or
Indi
vidu
als
both
in
form
al a
nd
in in
form
al
sect
or
Key
Ris
ks
cove
red
Fina
ncia
l se
curi
ty w
ith
savi
ngs
savi
ngs
Dea
thD
eath
Dea
thD
eath
Dea
thD
eath
Dea
thLo
ngev
ity
Dis
trib
utio
n ch
anne
lsA
gent
s,
Dire
ctA
gent
s,
Dire
ctA
gent
s,
Dire
ctA
gent
s,
Dire
ctA
gent
s,
Dire
ctA
gent
s,
Dire
ctA
gent
s,
Dire
ctA
gent
s,
Dire
ctA
gent
s,
Dire
ctA
gent
s,
Dire
ct,
Brok
ers
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
46 www.ira.go.ug
GE
NE
RA
L D
ES
CR
IPT
ION
OF
LIF
E I
NS
UR
AN
CE
PR
OD
UC
TS
CO
NT
’D...
.
Key
Ben
efit
sLu
mps
um
(Sum
As-
sure
d +
Ac-
cum
ulat
ed
Savi
ngs)
on
deat
h. A
c-cu
mul
ated
Sa
ving
s on
ly
on s
urvi
val.
Acc
umu-
late
d sa
ving
s ei
ther
on
deat
h or
on
surv
ival
Lum
psum
on
deat
hLu
mps
um o
n de
ath
Lum
psum
on
deat
hLu
mps
um o
n de
ath
Lum
psum
on
dea
th o
r a
retu
rn o
f pr
opor
tion
of
prem
ium
on
surv
ival
.
Lum
psum
on
deat
hSe
ries
of
paym
ents
on
deat
h
Seri
es o
f pa
ymen
ts a
s lo
ng a
s th
e cl
ient
is a
live
Rid
ers
(Ext
ra
Bene
fits
)
Acc
iden
tal
Dea
th
Bene
fit
n/a
Last
Ex
pens
es
Cri
tical
ill
ness
Pe
rman
ent
Dis
abili
ty
Acc
iden
tal
Dea
th
Bene
fit
Last
Ex
pens
es
Cri
tical
ill
ness
Pe
rman
ent
Dis
abili
ty
Acc
iden
tal
Dea
th
Bene
fit
Last
Ex
pens
es
Cri
tical
ill
ness
Pe
rman
ent
Dis
abili
ty
Acc
iden
tal
Dea
th
Bene
fit
Last
Ex
pens
es
Cri
tical
ill
ness
Pe
rman
ent
Dis
abili
ty
Acc
iden
tal
Dea
th
Bene
fit
Last
Ex
pens
es
Cri
tical
ill
ness
Pe
rman
ent
Dis
abili
ty
Acc
iden
tal
Dea
th
Bene
fit
Last
Ex
pens
es
Cri
tical
ill
ness
Pe
rman
ent
Dis
abili
ty
Acc
iden
tal
Dea
th
Bene
fit
Last
Ex
pens
es
Cri
tical
ill
ness
Pe
rman
ent
Dis
abili
ty
Acc
iden
tal
Dea
th
Bene
fit
n/a
Excl
usio
nsW
ar R
isks
Su
icid
e &
In
tent
iona
l Se
lf In
jury
Ill
egal
inta
ke
of d
rugs
Avi
atio
n ex
cept
for
tran
spor
t pu
rpos
es
only
.
Ato
mic
and
N
ucle
ar
Fiss
ion.
Dea
th w
ithin
th
e w
aitin
g pe
riod
n/a
War
Ris
ks
Suic
ide
&
Inte
ntio
nal
Self
Inju
ry
Illeg
al in
take
of
dru
gs
A
viat
ion
exce
pt fo
r tr
ansp
ort
purp
oses
on
ly.
A
tom
ic a
nd
Nuc
lear
Fi
ssio
n.
D
eath
with
in
the
wai
ting
peri
od
War
Ris
ks
Suic
ide
&
Inte
ntio
nal
Self
Inju
ry
Illeg
al in
take
of
dru
gs
A
viat
ion
exce
pt fo
r tr
ansp
ort
purp
oses
on
ly.
A
tom
ic a
nd
Nuc
lear
Fi
ssio
n.
D
eath
with
in
the
wai
ting
peri
od
War
Ris
ks
Suic
ide
&
Inte
ntio
nal
Self
Inju
ry
Illeg
al in
take
of
dru
gs
A
viat
ion
exce
pt fo
r tr
ansp
ort
purp
oses
on
ly.
A
tom
ic a
nd
Nuc
lear
Fi
ssio
n.
D
eath
with
in
the
wai
ting
peri
od
War
Ris
ks
Suic
ide
&
Inte
ntio
nal
Self
Inju
ry
Illeg
al in
take
of
dru
gs
A
viat
ion
exce
pt fo
r tr
ansp
ort
purp
oses
on
ly.
A
tom
ic a
nd
Nuc
lear
Fi
ssio
n.
D
eath
with
in
the
wai
ting
peri
od
War
Ris
ks
Suic
ide
&
Inte
ntio
nal
Self
Inju
ry
Illeg
al in
take
of
dru
gs
A
viat
ion
exce
pt fo
r tr
ansp
ort
purp
oses
on
ly.
A
tom
ic a
nd
Nuc
lear
Fi
ssio
n.
D
eath
with
in
the
wai
ting
peri
od
War
Ris
ks
Suic
ide
&
Inte
ntio
nal
Self
Inju
ry
Illeg
al in
take
of
dru
gs
A
viat
ion
exce
pt fo
r tr
ansp
ort
purp
oses
on
ly.
A
tom
ic a
nd
Nuc
lear
Fi
ssio
n.
D
eath
with
in
the
wai
ting
peri
od
War
Ris
ks
Suic
ide
&
Inte
ntio
nal
Self
Inju
ry
Illeg
al in
take
of
dru
gs
A
viat
ion
exce
pt fo
r tr
ansp
ort
purp
oses
on
ly.
A
tom
ic a
nd
Nuc
lear
Fi
ssio
n.
D
eath
with
in
the
wai
ting
peri
od
n/a
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1747
5.
CIC
Afr
ica
Life
Ass
uran
ce (
U)
Ltd
Prod
uct N
ame
GR
OU
P LI
FE C
OV
ERM
embe
r Pa
rtic
ipat
ion
Insu
ranc
e Pl
an (
MEP
IP)
LOA
N G
UA
RD
G
RO
UP
FUN
ERA
L
Brie
f Pro
duct
Des
crip
tion
Prov
ides
cov
er a
gain
st o
nly
deat
h w
ithin
the
term
Prov
ides
cov
er fo
r lo
ans
Prov
ides
cov
er fo
r lo
ans
Prov
ides
a la
st e
xpen
se c
over
fo
r in
sure
d m
embe
rs o
f a g
roup
.
Type
of B
usin
ess
Life
Insu
ranc
eC
redi
t Life
Cre
dit L
ifeLi
fe In
sura
nce
Targ
et M
arke
tO
rgan
izat
ions
,com
pani
es a
nd
SAC
CO
sLe
ndin
g in
stitu
tions
Bu
sine
sspe
rson
s (T
rade
r- b
ased
Sac
cos)
Farm
ers
(far
mer
ba
sed
SAC
CO
)
Boda
bod
a co
ver
(bod
a bo
da-b
ased
SA
CC
O)
Live
stoc
kcov
er.
(liv
esto
ck fa
rmer
-bas
ed
SAC
CO
)
SAC
CO
s, In
vest
men
t Gro
ups,
W
elfa
re g
roup
s
Key
Ris
ks c
over
edD
eath
Dea
th
Dis
abili
ty
D
eath
P
erm
anen
tTot
alD
isab
ility
C
atas
trop
he
Dea
th
Dis
trib
utio
n ch
anne
lsBr
oker
s , a
gent
sBr
oker
s , a
gent
sBr
oker
s , a
gent
sBr
oker
s , a
gent
s
Excl
usio
nsB
alan
ces
for
mem
bers
who
ha
ve a
ttai
ned
the
age
of 7
0
l
oan
bala
nces
for
mem
bers
who
hav
e at
tain
ed a
ge 7
0 fo
r to
tal
perm
anen
tdis
abili
ty;
l
oan
bala
nces
for
mem
bers
w
hose
dea
th o
r to
tal
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
48 www.ira.go.ug
GE
NE
RA
L D
ES
CR
IPT
ION
OF
LIF
E I
NS
UR
AN
CE
PR
OD
UC
TS
CO
NT
’D...
.
perm
anen
t dis
abili
tyoc
curs
an
d w
as s
elf-
infli
cted
with
in
the
first
six
mon
ths
from
the
effe
ctiv
edat
e of
cov
erag
e on
th
e lo
an;
l
oans
gra
nted
con
trar
y to
th
e lo
anin
g gu
idel
ines
, rul
es
and
regu
latio
ns a
smay
be
set
by
the
rele
vant
au
thor
ities
from
tim
e to
tim
e, A
cts
of P
arlia
men
t an
d an
ythi
ng re
pugn
ant t
o pu
blic
pol
icy;
l
oan
bala
nces
ari
sing
from
de
faul
t in
loan
repa
ymen
t as
agre
ed in
thel
oan
agre
emen
t fo
rm;
l
oan
bala
nces
in e
xces
s of
the
cove
rage
lim
it pe
r m
embe
r as
bel
ow;
l
oan
bala
nces
on
loan
s no
t lis
ted
on th
e tr
ansf
orm
atio
n or
a m
onth
ly s
ched
ule
endo
rsed
by
CIC
;
I
nter
est o
r an
y ot
her
cost
on
the
loan
bal
ance
;
l
oan
bala
nces
for
mem
bers
inac
tive
in lo
an
repa
ymen
tfor
mor
e th
an s
ix
cons
ecut
ive
mon
ths.
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1749
6.
NIC
Life
Ass
uran
ce C
ompa
ny L
td
Prod
uct N
ame
Chi
ld E
duca
tion
En
dow
men
tD
ivid
end
Plus
Pla
nV
arsi
ty S
ure
Loan
Pro
tect
ion
Insu
ranc
eG
roup
Life
A
ssur
ance
Mor
tgag
e Pl
usK
ey M
an
Insu
ranc
e
Brie
f Pro
duct
de
scri
ptio
nTh
e po
licy
is
desi
gned
to s
ave
for
scho
ol fe
es
afte
r a
peri
od o
f ye
ars
(mat
urity
) or
on
prem
atur
e de
ath
of a
par
ent/
guar
dian
.
This
is a
n in
vest
men
t lin
ked
life
assu
ranc
e po
licy.
It’s
de
sign
ed fo
r in
divi
dual
s w
ho
wan
t max
imum
re
turn
s on
thei
r in
vest
men
ts
and
finan
cial
pr
otec
tion
for
thei
r be
nefic
iari
es in
th
e ev
ent o
f the
ho
lder
’s d
eath
.
The
polic
y is
de
sign
ed to
sav
e fo
r sc
hool
fees
af
ter
a pe
riod
of
year
s (m
atur
ity)
or o
n pr
emat
ure
deat
h of
a p
aren
t/gu
ardi
an
This
pol
icy
aim
s at
pro
vidi
ng
cove
r w
hich
is
suff
icie
nt to
mee
t th
e ba
lanc
e of
th
e ou
tsta
ndin
g lo
an o
n de
ath
or
disa
bilit
y of
the
life
assu
red.
This
is a
pro
duct
de
sign
ed to
be
nefit
the
depe
ndan
ts o
f th
e in
sure
d in
the
even
t of d
eath
of
an e
mpl
oyee
.
This
pro
vide
s co
ver
that
will
be
suff
icie
nt to
mee
t th
e ou
tsta
ndin
g m
ortg
age/
loan
on
deat
h of
the
polic
y ho
lder
. It a
lso
cove
rs d
amag
e or
lo
ss o
f sec
urity
in
case
of f
ire &
alli
ed
peri
ls.
This
pol
icy
prot
ects
the
Com
pany
aga
inst
lo
ss o
n in
com
e in
th
e ev
ent o
f dea
th
of a
Key
man
of
the
Com
pany
.
Type
of B
usin
ess
Indi
vidu
al L
ifeIn
divi
dual
Life
Indi
vidu
al L
ifeG
roup
Life
Gro
up L
ifeIn
divi
dual
Life
Indi
vidu
al L
ife
Targ
et m
arke
tIn
divi
dual
sIn
divi
dual
sIn
divi
dual
sBa
nks,
MFI
s, S
MEs
&
Sac
cos
Com
pani
es, s
ay
NG
OS
, Ban
ks a
nd
orga
nise
d vi
llage
gr
oups
Bank
s, M
FIs,
SM
Es
& in
divi
dual
sO
rgan
isat
ions
, say
Ba
nks,
NG
Os
Key
Ris
ks c
over
ed-D
eath
-Dea
th-D
eath
-Dea
th d
ue to
cr
itica
l illn
ess
-Dea
th-D
eath
-Dea
th
-Tot
al P
erm
anen
t D
isab
ility
-Tot
al P
erm
anen
t D
isab
ility
-Tot
al P
erm
anen
t D
isab
ility
-Tot
al P
erm
anen
t D
isab
ility
Cri
tical
illn
ess
(opt
iona
l)-
loss
of p
rope
rty
due
to fi
re-T
otal
Per
man
ent
Dis
abili
ty
-A
ccid
enta
l dea
th
and
deat
h du
e to
na
tura
l cau
ses.
-T
otal
Per
man
ent
Dis
abili
ty
Dis
trib
utio
n C
hann
els
Age
nts,
Bro
kers
, D
irect
A
gent
s, B
roke
rs,
dire
ctA
gent
s, B
roke
rs,
Dire
ctA
gent
s, B
roke
rs,
Dire
ctA
gent
s, B
roke
rs,
Dire
ctA
gent
s, B
roke
rs,
Dire
ctA
gent
s, B
roke
rs,
dire
ct
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
50 www.ira.go.ug
GE
NE
RA
L D
ES
CR
IPT
ION
OF
LIF
E I
NS
UR
AN
CE
PR
OD
UC
TS
CO
NT
’D...
.
Rid
ers(
Extr
a Be
nefi
ts)
- W
aive
r of
pr
emiu
ms
on
disa
bilit
y
- W
aive
r of
Pr
emiu
m o
n D
eath
- C
hild
inco
me
bene
fit
-Wai
ver
of
Prem
ium
due
to
Tota
l Per
man
ent
disa
bilit
y.
- W
aive
r of
pr
emiu
ms
on
disa
bilit
y
- W
aive
r of
Pr
emiu
m o
n D
eath
- C
hild
inco
me
bene
fit
- Lo
ss o
f em
ploy
men
t
- co
ver
agai
nst
cata
stro
hic
loss
es
- Fu
nera
l cov
er
pay
men
t of
20%
of t
he s
um
assu
red
on b
eing
di
agno
sed
with
a
criti
cal i
llnes
s.
inde
mni
ty in
ca
se o
f los
s or
da
mag
e to
the
insu
red
prop
erty
as
a re
sult
of fi
re &
al
lied
peri
ls
N/A
Excl
usio
nsA
pol
icy,
take
n on
m
ore
than
one
life
, sh
all n
ot b
e el
igib
le
to th
e w
aive
r of
pr
emiu
m b
enef
it in
th
e ev
ent o
f tot
al
and
perm
anen
t di
sabi
lity.
Bene
fits
not
paya
ble
in th
e ev
ent o
f dea
th
by in
dulg
ing
in
dang
erou
s sp
orts
su
ch a
s hu
ntin
g.
Influ
ence
of
alco
hol o
r dr
ugs
amon
g ot
hers
.
A p
olic
y, ta
ken
on m
ore
than
on
e lif
e, s
hall
not
be e
ligib
le to
the
wai
ver
of p
rem
ium
be
nefit
in th
e ev
ent o
f tot
al
and
perm
anen
t di
sabi
lity.
Dea
th/
Perm
anen
t D
isab
ility
ari
sing
fr
om c
ourt
ord
er.
in
take
of
illeg
al d
rugs
,
su
icid
e,
dire
ct in
volv
emen
t in
war
,
A
tom
ic e
nerg
y an
d av
iatio
n ot
her
than
as
a fa
re
payi
ng p
asse
nger
. Bo
rrow
ers
beyo
nd
65 o
r 70
yea
rs
as p
er th
e te
rms
on th
e re
spec
tive
polic
y.
Dea
th/
Perm
anen
t D
isab
ility
ari
sing
fr
om c
ourt
ord
er.
in
take
of
illeg
al d
rugs
,
suic
ide,
di
rect
invo
lvem
ent
in w
ar, A
tom
ic
ener
gy a
nd
avia
tion
othe
r th
an
as a
fare
pay
ing
pass
enge
r.
No
paym
ent
of o
utst
andi
ng
amou
nt o
f loa
n in
th
e ev
ent o
f dea
th
due
to s
uici
de
Pers
ons
beyo
nd
the
age
of 6
5 ye
ars.
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1751
NIC
Life
con
t’d...
Prod
uct N
ame
Teac
hers
In
sura
nce
Plan
Empl
oyee
s In
sura
nce
Plan
C
ompr
ehen
sive
In
sura
nce
Pack
age
Term
Ass
uran
ce
Polic
yPe
rson
al A
nnui
ty
Polic
yD
epos
it
Adm
inis
trat
ion
Plan
(D
AP)
Gro
up F
uner
al
Brie
f Pro
duct
de
scri
ptio
nTh
is is
an
inve
stem
ent l
inke
d pl
an d
esig
ned
for
Teac
hers
and
non
te
achi
ng s
taff
to
save
and
ach
ieve
th
eir
life
goal
s.
This
is a
n in
vest
emen
t lin
ked
plan
des
igne
d fo
r cl
ient
s w
ho a
re
not e
mpl
oyed
as
teac
hers
or
lect
urer
s to
sav
e an
d ac
hiev
e th
eir
life
goal
s.
This
pro
duct
is
des
igne
d to
co
mpr
ehen
sive
ly
cove
r sc
hool
s or
tert
ially
in
sitit
utio
ns.
It c
over
s sc
hol
fees
, Acc
iden
tal
dam
age
to th
e in
sure
d st
uden
ts
and
also
has
an
ex
tens
ion
for
mat
eria
l dam
age
that
is c
over
ed
by o
ur s
iste
r C
ompa
ny.
This
pol
icy
is ta
ken
by
indi
vidu
als
seek
ing
for
finan
cial
pr
otec
tion
for
thei
r fa
mili
es in
th
e ev
ent o
f the
ir
dem
ise.
This
is a
cov
er
that
pro
vide
s re
gula
r in
com
es
in e
xcha
nge
for
a lu
mp
sum
This
is d
esig
ned
to p
ay a
lum
psum
to
an
emol
pyee
on
leav
ing
the
serv
ice
of th
e co
mpa
ny
and
at re
tirem
ent
This
is a
pol
icy
desi
gned
to c
ater
fo
r fu
nera
l cos
ts
in c
ase
of d
eath
of
the
insu
red
pers
onne
l.
Type
of B
usin
ess
Indi
vidu
al L
ifeIn
divi
dual
Life
Gro
up L
ifeIn
divi
dual
Life
Indi
vidu
al L
ifeG
roup
Life
Gro
up L
ife
Targ
et m
arke
tTe
ache
rs &
non
te
achi
ng s
taff
at
the
scho
ols
empl
oyee
s in
the
form
al &
info
rmal
se
ctor
scho
ols
and
Tert
ially
in
stitu
tions
Indi
vidu
als
Indi
vidu
als
Org
anis
atio
ns,
say
corp
orat
e co
mpa
nies
Org
anis
ed g
roup
s
Key
Ris
ks c
over
ed
-D
eath
-Dea
thLo
ngev
ity
-Dea
th
-Tot
al P
erm
anen
t D
isab
ility
Acc
iden
ts to
in
sure
d st
uden
ts
or p
upils
dur
ing
scho
ols
days
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
52 www.ira.go.ug
GE
NE
RA
L D
ES
CR
IPT
ION
OF
LIF
E I
NS
UR
AN
CE
PR
OD
UC
TS
CO
NT
’D...
.
Dis
trib
utio
n C
hann
els
Age
nts
Age
nts
Age
nts
Age
nts
Age
nts
Age
nts
& B
roke
rsA
gent
s
Key
Ben
efit
sPa
ymen
t of
accu
mul
ated
sa
ving
s pl
us th
e ac
crue
d in
tere
st
Paym
ent o
f ac
cum
ulat
ed
savi
ngs
plus
the
accr
ued
inte
rest
Paym
ent o
f sc
hool
s fe
es
on d
eath
of t
he
pare
nt o
r gu
ardi
an
Paym
ent o
f sum
as
sure
d Pa
ymen
t of
peri
odic
pay
men
tsPa
ymen
t of
accu
mul
ated
be
nefit
s w
ith th
e ac
crue
d in
tres
t
Paym
ent o
f fun
eral
be
nefit
on
deat
h of
th
e in
sure
d cl
ient
paym
ent o
f ac
cide
ntal
dea
th
deat
h be
nefit
upt
o a
limit
of s
hs 5
M
paym
ent o
f ac
cide
ntal
dea
th
deat
h be
nefit
upt
o a
limit
of s
hs 5
M
Paym
ent o
f m
edic
al c
osts
in
ccur
ed in
cas
e of
an
acc
iden
t to
the
insu
red
stud
ent.
paym
ent o
f ac
cide
ntal
dea
th
deat
h be
nefit
upt
o a
limit
of s
hs 5
M
Pa
ymen
t of
med
ical
cos
ts
incc
ured
in c
ase
of
an a
ccid
ent t
o th
e in
sure
d st
uden
t.
inde
mni
ty in
ca
se o
f los
s or
da
mag
e to
the
insu
red
prop
erty
as
a re
sult
of fi
re &
al
lied
peri
ls
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1753
7.
UA
P Li
fe A
ssur
ance
(U
) Lt
d
Prod
uct
Nam
eO
rdin
ary
Endo
wm
ent
Ass
uran
ceA
ntic
ipat
ed E
ndow
men
t Ass
uran
ceC
hild
Edu
cati
on E
ndow
men
t Ass
uran
ce
(SO
MES
A P
lus)
Sure
deal
In
vest
men
t Pl
an
Who
le/
Perm
anen
t Life
A
ssur
ance
Brie
f Pro
duct
D
escr
iptio
nPr
ovid
es b
enef
its in
the
even
t of d
eath
or
mat
urity
Prov
ides
ben
efits
in th
e ev
ent o
f de
ath
or m
atur
ity. T
here
are
als
o su
rviv
or p
olic
y be
nefit
s in
dur
ing
polic
y te
rm
SOM
ESA
PLU
S is
a g
uara
ntee
d sa
ving
s pl
an in
whi
ch o
ne a
ccum
ulat
es a
sum
of
mon
ey o
ver
a sp
ecifi
c pe
riod
of t
ime
in
orde
r to
cre
ate
an a
sset
to fu
nd a
chi
ld’s
ed
ucat
ion
at a
cer
tain
futu
re p
oint
in
time
A s
avin
gs
prod
uct
desi
gned
to
enab
le y
ou
mee
t you
r lif
e as
pira
tions
th
at h
ave
finan
cial
co
st. O
ver
a sp
ecifi
c pe
riod
of
tim
e, o
ne
accu
mul
ates
a
sum
of m
oney
to
cre
ate
an
asse
t to
fund
th
at c
hose
n m
ilest
one
in
life.
Prov
ides
pro
tect
ion
for
your
who
le, e
ntire
, life
. Th
e Su
m A
ssur
ed is
onl
y pa
yabl
e on
the
deat
h of
th
e lif
e as
sure
d
Type
of
Busi
ness
Endo
wm
ent A
ssur
ance
Endo
wm
ent A
ssur
ance
Gua
rnte
ed e
ndow
men
t Ass
uara
nce
plan
Gua
rnte
ed
endo
wm
ent
Ass
uara
nce
plan
ordi
nary
sav
ing
endo
wm
ent p
rodu
ct
Targ
et
Mar
ket
Form
al/I
nfor
mal
Sec
tors
form
al o
f Inf
orm
al S
ecto
rsPa
rent
s/G
uard
ians
Fo
rmal
/Inf
orm
al S
ecto
rs
Key
Ris
ks
cove
red
Dea
th ,
Cri
tical
illn
ess,
D
isab
ility
Dea
th ,
Cri
tical
illn
ess,
Dis
abili
tyD
eath
, C
ritic
al il
lnes
s, D
isab
ility
Dea
th ,
Cri
tical
illn
ess,
D
isab
ility
Dea
th ,
Cri
tical
illn
ess,
D
isab
ility
Dis
trib
utio
n ch
anne
lsA
gent
s/Br
oker
s/D
irect
Age
nts/
Brok
ers/
Dire
ctA
gent
s/Br
oker
s/D
irect
Age
nts/
Brok
ers/
Dire
ctA
gent
s/Br
oker
s/D
irect
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
54 www.ira.go.ug
GE
NE
RA
L D
ES
CR
IPT
ION
OF
LIF
E I
NS
UR
AN
CE
PR
OD
UC
TS
CO
NT
’D...
.
Min
imum
pr
ice/
prem
ium
rate
150
,00
0
150
,00
0
150
,00
0
150
,00
0
150
,00
0
Ride
rs (
Extr
a Be
nefit
s)•Dou
bleInde
mnity
Bene
fit (
D.I.
B)
•Disab
ilityCover
(wai
ver
of p
rem
ium
)
•Sp
ecialA
cciden
tBe
nefit
•Fune
ral;an
d
•Critic
alillness.
•Dou
bleInde
mnityBen
efit(D
.I.B)
•Disab
ilityCover(waiverof
prem
ium
)
•Sp
ecialA
cciden
tBen
efit
•Fune
ral;an
d
•Critic
alillness.
Chi
ld in
com
e Be
nefit
, Wai
ver
of
prem
ium
, pol
icy
loan
s an
d La
st E
xpen
se
Bene
fit
Life
cov
er
Bene
fit, W
aive
r of
pre
miu
m,
disa
bilit
y be
nefit
cov
er,
Acc
iden
tal
bene
fit c
over
Excl
usio
ns•Su
icide
•MilitaryService,R
iot&
C
ivil
Com
mot
ion
,War
, A
viat
ion,
Occ
upat
ion
&
Sick
ness
•Riotand
Civil
Com
mot
ion
Cla
use.
•JudicialSen
tence
•Su
icide
•MilitaryService,R
iot&
Civil
Com
mot
ion
,War
, Avi
atio
n,
Occ
upat
ion
& S
ickn
ess
•Riotand
CivilCom
motion
Cla
use.
•JudicialSen
tence
•Su
icide
•MilitaryService,R
iot&
Civil
Com
mot
ion
,War
, Avi
atio
n,
Occ
upat
ion
& S
ickn
ess
•Riotand
CivilCom
motionClause.
•JudicialSen
tence
•Su
icide
•Military
Serv
ice,
Ri
ot &
Civ
il C
omm
otio
n ,W
ar,
Avi
atio
n,
Occ
upat
ion
& S
ickn
ess
•Riotand
C
ivil
Com
mot
ion
Cla
use.
•Judicial
Sent
ence
•Su
icide
•MilitaryService,R
iot
& C
ivil
Com
mot
ion
,War
, Avi
atio
n,
Occ
upat
ion
&
Sick
ness
•Riotand
Civil
Com
mot
ion
Cla
use.
•JudicialSen
tence
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1755
UA
P Li
fe C
ont’d
....
Prod
uct N
ame
Indi
vidu
al M
ortg
age
Prot
ectio
n A
ssur
ance
Fam
ilyLa
stEx
pens
eAss
ura
nce(
SUN
SETp
lus)
Pers
onal
Savi
ngs/
Pens
ions
Sch
eme
(Ret
irelo
aded
)
Gro
up C
redi
tG
roup
Ter
m
Brie
f Pro
duct
Des
crip
tion
a cu
shio
n to
the
fam
ily
on p
rem
atur
e de
ath
or
perm
anen
t dis
abili
ty o
f th
e bo
rrow
er, a
nd th
e co
ntin
uity
of t
he F
AM
ILY
is
mai
ntai
ned
This
pla
n gu
aran
tees
a
lum
psum
cas
h pa
ymen
t fo
r a
dign
ified
sen
d of
f of
your
love
d on
e(s)
An
indi
vidu
al in
vest
men
t ve
hicl
e w
ith th
e pr
imar
y pu
rpos
e of
bui
ldin
g a
capi
tal s
um to
pro
vide
re
tirem
ent b
enef
its
prod
uct t
o pr
otec
t Ba
nks,
oth
er M
icro
Fi
nanc
e in
stitu
tions
and
SA
CC
Os
in te
rms
of lo
an
repa
ymen
t int
erru
ptio
n th
roug
h na
tura
l dea
th
or in
capa
cita
tion
of th
e bo
rrow
er.
The
Gro
up li
fe A
ssur
ance
(G
LA)
bene
fits
sche
me
is
desi
gned
to ta
ke c
are
of
empl
oyee
s w
hose
jobs
as
wel
l as
the
fam
ily w
elfa
re
sudd
enly
com
es to
an
end
on d
eath
whi
le in
the
serv
ice
of th
e em
ploy
ee.
Type
of B
usin
ess
Term
Ass
uran
ce p
rodu
ctTe
rm A
ssur
ance
pla
nPe
rson
alSa
ving
s/Pe
nsio
ns S
chem
e Te
rm Te
rm
Targ
et M
arke
tFo
rmal
/Inf
orm
al S
ecto
rsC
orpo
rate
Form
al/I
nfor
mal
Sec
tors
finan
cial
inst
itutio
nsco
mpa
nies
Key
Ris
ks c
over
edD
eath
, C
ritic
al il
lnes
s,
Dis
abili
tyD
eath
Retir
emen
t/D
earh
Dea
thD
eath
Dis
trib
utio
n ch
anne
lsA
gent
s/Br
oker
s/D
irect
Age
nts/
Brok
ers/
Dire
ctA
gent
s/Br
oker
s/D
irect
dire
ct c
lient
s br
oker
s,
agen
ts e
tcbr
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s, a
gent
s et
c
Min
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ium
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te15
0,0
00
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/a
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,00
0
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03
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017
3
Ride
rs (
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a Be
nefit
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/a N
/aTe
rm a
ssur
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fit)
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up la
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expe
nse,
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tical
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ness
,Tot
al p
erm
anen
t di
sabl
emen
t/
Dis
mem
berm
ent,L
oss
of e
mpl
oym
ent/
re
tren
chm
ent
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up la
st
expe
nse,
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tical
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ness
,Tot
al p
erm
anen
t di
sabl
emen
t/
Dis
mem
berm
ent,G
roup
Pe
rson
al A
ccid
ent
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
56 www.ira.go.ug
GE
NE
RA
L D
ES
CR
IPT
ION
OF
LIF
E I
NS
UR
AN
CE
PR
OD
UC
TS
CO
NT
’D...
.
Excl
usio
ns•Su
icide
•MilitaryService,R
iot&
C
ivil
Com
mot
ion
,War
, A
viat
ion,
Occ
upat
ion
&
Sick
ness
•Riotand
Civil
Com
mot
ion
Cla
use.
•JudicialSen
tence
six
(6)
mon
ths
wai
ting
peri
od d
urin
g w
hich
, on
deat
h, o
nly
prem
ium
s ar
e re
fund
able
N/a
i. D
eath
and
Per
man
ent
Tota
l Dis
abili
ty.
Dea
th, p
erm
anen
t to
tal d
isab
ility
or
insa
nity
ari
sing
di
rect
ly o
r in
dire
ctly
fr
om a
ny o
f the
fo
llow
ing
is e
xclu
ded:
a. A
viat
ion,
exc
ept
for
pass
enge
rs a
nd
crew
of a
irlin
es
and
priv
ate
flyin
g pu
rely
for
tran
spor
t pu
rpos
es.
b. A
tom
ic e
nerg
y an
d/or
nuc
lear
fiss
ion
or
reac
tion.
c.
Inta
ke o
f ille
gal
drug
s.
d. S
elf-
infli
cted
inju
ry
with
inte
ntio
n to
ca
use
deat
h or
di
sabi
lity.
The
follo
win
g is
a s
hort
fo
rm li
stin
g of
maj
or
polic
y ex
clus
ions
: i.
Liab
ility
ass
umed
by
agre
emen
t ii.
Lia
bilit
y to
em
ploy
ees
of c
ontr
acto
rs
iii. C
hild
bir
th/P
regn
ancy
iv
. Rac
ing
of a
ny k
ind
invo
lvin
g th
e u
se o
f any
po
wer
dri
ven
vehi
cle,
ve
ssel
/cra
ft
v. R
iot o
r ci
vil c
omm
otio
n pa
rtic
ipat
ion
Prov
ided
that
in c
ase
of
an a
ccid
enta
l occ
urre
nce:
Th
e ac
cide
nt m
ust h
ave
been
cau
sed
by v
iole
nt
acci
dent
al e
xter
nal
and
visi
ble
mea
ns a
nd
sole
ly a
nd in
depe
nden
tly
of a
ny o
ther
cau
se
dire
ctly
resu
lting
in th
e oc
curr
ence
of t
he e
vent
.
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1757
e. S
uici
de.
f. D
irect
invo
lvem
ent
in w
ar, w
arlik
e si
tuat
ion,
rio
t and
/or
civ
il un
rest
.
ii.
Dre
ad D
isea
se
(Cri
tical
Sic
knes
s)
Cov
er
No
bene
fit s
hall
be
paya
ble
unde
r th
is
exte
nsio
n if
the
rele
vant
cri
tical
illn
ess
was
cau
sed
dire
ctly
or
indi
rect
ly b
y:
a. A
ttem
pted
sui
cide
, or
inju
ry th
at is
se
lf-in
flict
ed b
y th
e bo
rrow
er w
ith
inte
nt to
cau
se
grie
vous
bod
ily
harm
or
illne
ss.
b. C
onsu
mpt
ion
of
alco
hol,
drug
s or
ta
king
of p
oiso
ns
with
inte
nt o
f ki
lling
one
self
or
the
appl
icat
ion
of
med
icin
es u
nles
s ad
min
iste
red
by
a m
embe
r of
the
heal
th p
rofe
ssio
n or
un
less
pre
scri
bed
by a
nd ta
ken
in
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
58 www.ira.go.ug
GE
NE
RA
L D
ES
CR
IPT
ION
OF
LIF
E I
NS
UR
AN
CE
PR
OD
UC
TS
CO
NT
’D...
.
a
ccor
danc
e w
ith
the
inst
ruct
ions
of
a m
embe
r of
the
med
ical
pro
fess
ion.
c.
Resu
lting
from
a
prev
ious
ly
diag
nose
d co
nditi
on in
curr
ed
or e
xist
ing
prio
r to
the
loan
bei
ng
gran
ted.
d. P
artic
ipat
ion
in
the
follo
win
g ha
zard
ous
spor
ts o
r pu
rsui
t:
i. M
otor
Rac
ing
and
Mot
or C
ycle
Ra
cing
;
ii. W
hite
Wat
er
Raft
ing;
iii. D
eep
Sea
Div
ing;
iv. S
cuba
Div
ing;
v. S
ky D
ivin
g;
vi. B
oxin
g;
vii.
Wre
stlin
g;
viii.
Mar
tial A
rts;
ix. M
ount
aine
erin
g;
x. H
orse
Rac
ing;
xi. B
ig G
ame
Hun
ting;
xii.
Prof
essi
onal
Ju
doka
.
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1759
i
ii. E
xclu
sion
s –
Loss
of
Em
ploy
men
t /
Retr
ench
men
t.
A
bor
row
er s
hall
not
be e
ligib
le fo
r be
nefit
s un
der
this
pol
icy:
a. If
his
/her
em
ploy
men
t is
of
seas
onal
nat
ure
and
empl
oym
ent
is te
mpo
rari
ly
susp
ende
d as
a
resu
lt of
the
seas
on
com
ing
to a
n en
d;
b. If
he/
she
acc
epts
vo
lunt
ary
retr
ench
men
t;
c. If
his
/ he
r re
tren
chm
ent
is d
irect
ly o
r in
dire
ctly
att
ribu
ted
to w
ilful
or
illeg
al
activ
ity;
d. If
he/
she
bec
omes
un
empl
oyed
due
to
mis
cond
uct o
r po
or
perf
orm
ance
;
e. If
he
/ sh
e re
sign
s fr
om th
eir
plac
e of
w
ork;
f. If
he/
she
disa
ppea
rs
with
out t
race
.
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
60 www.ira.go.ug
GE
NE
RA
L D
ES
CR
IPT
ION
OF
LIF
E I
NS
UR
AN
CE
PR
OD
UC
TS
CO
NT
’D...
.
CH
AP
TE
R 9
HE
AL
TH
MA
NA
GE
ME
NT
OR
GA
NIS
AT
ION
S P
RO
DU
CT
S
1. A
AR
HEA
LTH
SER
VIC
ES (
U)
LTD
Prod
uct N
ame
The
AA
R R
etai
l/
Indi
vidu
al P
rodu
ctT
he A
AR
Gro
up/
Cor
pora
te P
rodu
ctT
he A
AR
SM
E’s
Prod
uct
The
AA
R G
roup
Car
e Pr
oduc
tT
he A
AR
Res
cue
Prod
uct
Brie
f Pro
duct
Des
crip
tion
This
is a
hea
lth in
sura
nce
prod
uct t
hat p
rovi
des
Hea
lth In
sura
nce
cove
rage
for
Indi
vidu
al
Mem
bers
and
thei
r fa
mili
es
This
is a
hea
lth in
sura
nce
prod
uct t
hat p
rovi
des
Hea
lth In
sura
nce
cove
rage
for
Com
pani
es
with
mor
e th
an 1
0 s
taff
an
d th
eir
depe
ndan
ts
This
is a
hea
lth in
sura
nce
prod
uct t
hat p
rovi
des
Hea
lth In
sura
nce
cove
rage
for
Cor
pora
tes
with
(4
-9 P
rinc
iple
s) a
nd
thei
r fa
mili
es
This
is a
fund
M
anag
emen
t pro
duct
th
at is
bou
ght b
y C
ompa
nies
for
AA
R to
man
age
thei
r fu
nds,
an
d A
AR
mak
es A
dmin
pr
eneg
otia
ted
Fees
This
is a
Res
cue
insu
ranc
e pr
oduc
t tha
t pro
vide
s Re
scue
& E
vacu
atio
n co
vera
ge fo
r In
divi
dual
M
embe
rs, C
orpo
rate
s an
d th
eir
fam
ilies
Type
of B
usin
ess
Hea
lth In
sura
nce
Hea
lth In
sura
nce
Hea
lth In
sura
nce
Hea
lth In
sura
nce
Hea
lth In
sura
nce
Targ
et M
arke
tIn
divi
dual
Mem
bers
&
Fam
ilies
NG
O’s
, Par
asta
tals
, In
dust
ries
, Hot
els,
Sa
ccos
, Tel
ecom
C
ompa
nies
, and
oth
er b
ig
Org
anis
atio
ns
SME
Com
pani
esN
GO
’s, P
aras
tata
ls,
Indu
stri
es, H
otel
s,
Sacc
os, T
elec
om
Com
pani
es, a
nd o
ther
big
O
rgan
isat
ions
NG
O’s
, Par
asta
tals
, In
dust
ries
, Hot
els,
Sa
ccos
, Tel
ecom
C
ompa
nies
, and
oth
er
big
Org
anis
atio
ns, T
rave
l A
genc
ies
Key
Ris
ks c
over
edA
ccid
ents
& Il
lnes
s H
ospi
talis
atio
n, S
urge
ries
&
Out
patie
nt S
ervi
ces
Acc
iden
ts&
Illn
ess
Hos
pita
lisat
ion,
Sur
geri
es
&O
utpa
tient
Ser
vice
s
Acc
iden
ts&
Illn
ess
Hos
pita
lisat
ion,
Sur
geri
es
&O
utpa
tient
Ser
vice
s
All
Risk
s as
adv
ised
by
the
clie
ntRe
scue
Ser
vice
s,
Evac
uatio
n Se
rvic
es a
nd
Am
bula
nce
Serv
ices
Dis
trib
utio
n ch
anne
lsW
alki
ns, B
roke
rs, A
gent
s,
Soci
al M
edia
, Ref
erra
ls &
Ba
nks
Wal
kins
, Bro
kers
, Age
nts,
So
cial
Med
ia, R
efer
rals
&
Bank
s
Wal
kins
, Bro
kers
, Age
nts,
So
cial
Med
ia, R
efer
rals
&
Bank
s
Wal
kins
, Bro
kers
, Age
nts,
Re
ferr
als
Wal
kins
, Bro
kers
, Age
nts,
Re
ferr
als
Key
Ben
efits
Cov
erag
e w
ithin
Uga
nda,
Ea
st A
fric
a &
Wor
ldw
ide
Basi
s
Cov
erag
e w
ithin
Uga
nda,
Ea
st A
fric
a &
Wor
ldw
ide
Basi
s
Cov
erag
e w
ithin
Uga
nda,
Ea
st A
fric
a &
Wor
ldw
ide
Basi
s
Cov
erag
e w
ithin
Uga
nda,
Ea
st A
fric
a &
Wor
ldw
ide
Basi
s
Cov
erag
e w
ithin
Uga
nda
and
Eas
t Afr
ica
Min
imum
pri
ce/p
rem
ium
ra
teU
gx74
1,52
9U
gx4
50,0
00
Ugx
667,
376
Min
Fun
d-
Ugx
10,0
00
,00
0U
gx18
5,0
00
HE
AL
TH
MA
NA
GE
ME
NT
OR
GA
NIS
AT
ION
S P
RO
DU
CT
SC
HA
PT
ER
9T
he U
gand
a In
sura
nce
Indu
stry
at a
Gla
nce
Pro
du
cts
Pro
file
as
at 2
0th
Ju
ne
20
1762 www.ira.go.ug
Ride
rs (
Extr
a Be
nefit
s)O
ptic
al, D
enta
l, Fu
nera
l, Pe
rman
ent
Tota
l Dis
abili
ty B
enef
it,
Psyc
hiat
ric
Bene
fit, C
ash
Back
Ben
efit,
Eng
agem
ent
Cas
h Bo
nus
Opt
ical
, Den
tal,
Fune
ral,
Perm
anen
t To
tal D
isab
ility
Ben
efit,
Ps
ychi
atri
c Be
nefit
, Cas
h Ba
ck B
enef
it, E
ngag
emen
t C
ash
Bonu
s
Opt
ical
, Den
tal,
Fune
ral,
Perm
anen
t To
tal D
isab
ility
Ben
efit,
Ps
ychi
atri
c Be
nefit
, Cas
h Ba
ck B
enef
it, E
ngag
emen
t C
ash
Bonu
s
Opt
ical
, Den
tal,
Fune
ral,
Perm
anen
t To
tal D
isab
ility
Ben
efit,
Ps
ychi
atri
c Be
nefit
, Cas
h Ba
ck B
enef
it, E
ngag
emen
t C
ash
Bonu
s
Acc
iden
t Hos
pita
lisat
ion,
Ill
ness
Hos
pita
lisat
ion
Perm
anen
t Tot
al
Dis
abili
ty a
nd F
uner
al
Cov
er
Excl
usio
nsPr
e-ex
istin
g co
nditi
ons,
W
aitin
g pe
riod
of 1
2 M
onth
s on
Mat
erni
ty
and
90 D
ays
on Il
lnes
s H
ospi
talis
atio
n, a
nd
othe
rs s
tate
d in
con
trac
t as
not
cov
erab
le.
Exce
ptio
ns s
tate
d in
con
trac
t as
not
cove
rabl
e,e.
g. A
lcoh
olis
m,
Dru
g ad
dict
ion,
Sui
cide
, A
bort
ion
and
othe
rs
Pre-
exis
ting
cond
ition
s,
Wai
ting
peri
od o
f 12
Mon
ths
on M
ater
nity
an
d 90
Day
s on
Illn
ess
Hos
pita
lisat
ion,
and
ot
hers
sta
ted
in c
ontr
act
as n
ot c
over
able
.
n/a
Pre-
exis
ting
cond
ition
s,
Wai
ting
peri
od o
f 90
Day
s on
Illn
ess
Hos
pita
lisat
ion,
and
ot
hers
sta
ted
in c
ontr
act
as n
ot c
over
able
.
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1763
2. I
AA
HEA
LTH
CA
RE
Prod
uct N
ame
Ihk
Prem
ium
IAA
Pla
tinum
IAA
Fle
xC
orpo
rate
G
old
Cor
pora
te
Gol
d C
ompr
e-he
nsiv
e
Cor
pora
te
Silv
erTa
asa
Pers
onal
&
Fam
ilySe
nior
Citi
zen
Brie
f Pro
duct
D
escr
iptio
nPr
ovid
es
med
ical
co
vera
ge
agai
nst h
ealth
co
mpl
icat
ions
th
at m
ay a
rise
Prov
ides
m
edic
al
cove
rage
ag
ains
t hea
lth
com
plic
atio
ns
that
may
ari
se
Prov
ides
m
edic
al
cove
rage
ag
ains
t hea
lth
com
plic
atio
ns
that
may
ari
se
Prov
ides
med
-ic
al c
over
age
agai
nst h
ealth
co
mpl
icat
ions
th
at m
ay a
rise
Prov
ides
m
edic
al
cove
rage
ag
ains
t hea
lth
com
plic
atio
ns
that
may
ari
se
Prov
ides
m
edic
al
cove
rage
ag
ains
t hea
lth
com
plic
atio
ns
that
may
ari
se
Prov
ides
m
edic
al
cove
rage
ag
ains
t hea
lth
com
plic
atio
ns
that
may
ari
se
Prov
ides
m
edic
al
cove
rage
ag
ains
t hea
lth
com
plic
atio
ns
that
may
ari
se
Prov
ides
med
-ic
al c
over
age
agai
nst h
ealth
co
mpl
icat
ions
th
at m
ay a
rise
Type
of B
usi-
ness
Hea
lth
Insu
ranc
eH
ealth
In
sura
nce
Hea
lth
Insu
ranc
eH
ealth
In
sura
nce
Hea
lth
Insu
ranc
eH
ealth
In
sura
nce
Hea
lth
Insu
ranc
eH
ealth
In
sura
nce
Hea
lth
Insu
ranc
e
Targ
et M
arke
tC
orpo
rate
-Bu
sine
ss a
nd
Non
Bus
ines
s O
rgan
isa-
tions
/Com
-pa
nies
(N
GO
, Pr
ofit
and
Non
-Pro
fit
Org
, Pri
vate
en
terp
rise
s)
Cor
pora
te-
Busi
ness
and
N
on B
usin
ess
Org
anis
a-tio
ns/C
om-
pani
es (
NG
O,
Prof
it an
d N
on-P
rofit
O
rg, P
riva
te
ente
rpri
ses)
Cor
pora
te-
Busi
ness
and
N
on B
usin
ess
Org
anis
a-tio
ns/C
om-
pani
es (
NG
O,
Prof
it an
d N
on-P
rofit
O
rg, P
riva
te
ente
rpri
ses)
Cor
pora
te-
Busi
ness
and
N
on B
usin
ess
Org
anis
a-tio
ns/C
om-
pani
es (
NG
O,
Prof
it an
d N
on-P
rofit
O
rg, P
riva
te
ente
rpri
ses)
Cor
pora
te-
Busi
ness
and
N
on B
usin
ess
Org
anis
a-tio
ns/C
om-
pani
es (
NG
O,
Prof
it an
d N
on-P
rofit
O
rg, P
riva
te
ente
rpri
ses)
Cor
pora
te-
Busi
ness
and
N
on B
usin
ess
Org
anis
a-tio
ns/C
om-
pani
es (
NG
O,
Prof
it an
d N
on-P
rofit
O
rg, P
riva
te
ente
rpri
ses)
Pers
onal
/In
divi
dual
/Fa
mily
Pers
onal
/In
divi
dual
/Fa
mily
Elde
rly
abov
e 59
yea
rs
HE
AL
TH
MA
NA
GE
ME
NT
OR
GA
NIS
AT
ION
S P
RO
DU
CT
S C
ON
T’D
....
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
64 www.ira.go.ug
Key
Ris
ks
cove
red
•In&
O
utpa
tient
C
over
•Den
tal
•Ro
ad
Am
bula
nce
Evac
uatio
n.
•Optical&
Oph
thal
mol
-og
y •Gen
eral
Su
rger
y
•Trau
ma
Serv
ices
: •Maternity
•Paed
iatrics
•Ph
ysiother
-ap
y •Ra
diolog
yIn
vest
igat
ions
•Chron
ic
cond
ition
s
•In&Outpa
-tie
nt C
over
•Den
tal
•Ro
adAmbu
-la
nce
Evac
ua-
tion.
•Optical&
Oph
thal
mol
-og
y •Gen
eralSur
-ge
ry
•Trau
maSe
r-vi
ces:
•Maternity
•Paed
iatrics
•Ph
ysiother
-ap
y •Ra
diolog
yIn
vest
igat
ions
•Chron
iccon
-di
tions
In &
Out
pa-
tient
Cov
er
•Den
tal
•Ro
adAmbu
-la
nce
Evac
ua-
tion.
•Oph
thalmol
-og
y •Gen
eralSur
-ge
ry
•Trau
maSe
r-vi
ces:
•Maternity
•Paed
iatrics
•Ph
ysiother
-ap
y •Ra
diolog
yIn
vest
igat
ions
•Chron
iccon
-di
tions
•In&Outpa
-tie
nt C
over
•Den
tal
•Ro
adAmbu
-la
nce
& E
vacu
-at
ion.
•Oph
thalmol
-og
y •Gen
eralSur
-ge
ry
•Trau
maSe
r-vi
ces:
•Maternity
•Paed
iatrics
•Ph
ysiother
-ap
y •Ra
diolog
yIn
vest
igat
ions
•Outpa
tient
Cov
er
•Den
tal
•Ro
adAmbu
-la
nce
Evac
ua-
tion
•Optical&
Oph
thal
mol
-og
y •Gen
eralSur
-ge
ry
•Trau
maSe
r-vi
ces:
•Maternity
•Paed
iatrics
•Ra
diolog
yIn
vest
igat
ions
•Chron
iccon
-di
tions
( O
n O
PD o
nly)
•Acciden
tand
Em
erge
ncy
•Maternity
•Den
tal,Oph
-th
alm
olog
y an
d O
ptic
al
•Gen
eralSur
-ge
ries
•MRI,E-ray&
CT
Sca
n •Unlim
ited
Spec
ialis
t and
G
P co
nsul
ta-
tions
•Ortho
pedic
•Pediatrics
•In&Outpa
-tie
nt C
over
•Den
tal
•Ro
adAmbu
-la
nce
Evac
u-at
ion
in c
ases
of
med
ical
em
erge
ncie
s.
All
ambu
lanc
e se
rvic
es w
ill
be to
and
from
In
tern
atio
nal
Hos
pita
l Kam
-pa
la
•Oph
thalmol
-og
y •Gen
eralSur
-ge
ry
•Trau
maSe
r-vi
ces:
•Gyn
aecology
•Paed
iat-
rics
- A
t the
IH
K c
hild
ren’
s ce
ntre
•Ph
ysiother
-ap
y •Ra
diolog
yIn
vest
igat
ions
•EN
Tdis
-ea
ses
•Chron
iccon
-di
tions
•In&Outpa
-tie
nt C
over
•Den
tal
•Ro
adAmbu
-la
nce
Evac
u-at
ion
in c
ases
of
med
ical
em
erge
ncie
s.
All
ambu
lanc
e se
rvic
es w
ill
be to
and
from
In
tern
atio
nal
Hos
pita
l Kam
-pa
la
•Oph
thalmol
-og
y •Gen
eralSur
-ge
ry
•Trau
maSe
r-vi
ces:
•Gyn
aecology
and
Obs
tetr
ics
•Paed
iat-
rics
- A
t the
IH
K c
hild
ren’
s ce
ntre
•Ph
ysiother
-ap
y •Ra
diolog
yIn
vest
igat
ions
•EN
Tdis
-ea
ses
•Chron
iccon
-di
tions
•Acciden
tan
d Em
er-
genc
y •Chron
icIll-
ness
-I
n &
Out
pa-
tient
Cov
er
•Den
tal,Oph
-th
alm
olog
y an
d O
ptic
al
•Gen
eralSur
-ge
ries
•MRI,X
-ray&
CT
Sca
n •Sp
ecialist
and
GP
con-
sulta
tions
•Ortho
pedic
•Pediatrics
Dis
trib
utio
n ch
anne
lsBr
oker
s an
d Sa
les
Age
nts
Brok
ers
and
Sale
s A
gent
sBr
oker
s an
d Sa
les
Age
nts
Brok
ers
and
Sale
s A
gent
sBr
oker
s an
d Sa
les
Age
nts
Brok
ers
and
Sale
s A
gent
sBr
oker
s an
d Sa
les
Age
nts
Brok
ers
and
Sale
s A
gent
sBr
oker
s an
d Sa
les
Age
nts
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1765
Min
imum
pr
ice/
prem
ium
rate
500
,00
0
600
,00
0
500
,00
0
40
0,0
00
50
0,0
00
50
0,0
00
70
0,0
00
8
50,0
00
-2,
200
,00
0
1,90
0,0
00
Ride
rs (
Extr
a Be
nefit
s)N
one
Non
eN
one
Non
eN
one
Non
eN
one
Non
e
i. Tr
eatm
ent
for
cond
ition
s ar
isin
g ou
t of
alco
hol/
drug
/su
bsta
nce
abus
e or
ad-
dict
ions
. ii.
Tre
atm
ent
for
or re
late
d to
Hor
mon
es
and
Hor
mon
e Re
plac
e-m
ent T
hera
py
(HRT
) iii
. Tre
atm
ent
for
or re
late
d to
fert
ility
, se
xual
pro
b-le
ms,
per
ma-
nent
fam
ily
plan
ning
and
vo
lunt
ary
ter-
min
atio
n of
pr
egna
ncy.
i. Tr
eatm
ent
for
cond
ition
s ar
isin
g ou
t of
alco
hol/
drug
/su
bsta
nce
abus
e or
ad-
dict
ions
. ii.
Tre
atm
ent
for
or re
late
d to
Hor
mon
es
and
Hor
mon
e Re
plac
e-m
ent T
hera
py
(HRT
) iii
. Tre
atm
ent
for
or re
late
d to
fert
ility
, se
xual
pro
b-le
ms,
per
ma-
nent
fam
ily
plan
ning
and
vo
lunt
ary
ter-
min
atio
n of
pr
egna
ncy.
iv
. Cos
ts re
-la
ted
adm
is-
sion
in L
evel
3
NIC
U.
1. T
reat
men
t fo
r co
nditi
ons
aris
ing
out o
f al
coho
l/dr
ug/
subs
tanc
e ab
use
or a
d-di
ctio
ns.
2. T
reat
men
t fo
r ch
roni
c an
d pr
e-ex
ist-
ing
cond
ition
s.
3. T
reat
men
t fo
r or
rela
ted
to H
orm
ones
an
d H
orm
one
Repl
ace-
men
t The
rapy
(H
RT)
4. T
reat
men
t fo
r or
rela
ted
to fe
rtili
ty,
sexu
al p
rob-
lem
s, p
erm
a-ne
nt fa
mily
pl
anni
ng a
nd
volu
ntar
y te
r-m
inat
ion
of
preg
nanc
y.
i. Tr
eatm
ent
for
cond
ition
s ar
isin
g ou
t of
alco
hol/
drug
/su
bsta
nce
abus
e or
ad-
dict
ions
. ii.
Tre
atm
ent
for
or re
late
d to
Hor
mon
es
and
Hor
mon
e Re
plac
e-m
ent T
hera
py
(HRT
) iii
. Tre
atm
ent
for
or re
late
d to
fert
ility
, se
xual
pro
b-le
ms,
per
ma-
nent
fam
ily
plan
ning
and
vo
lunt
ary
ter-
min
atio
n of
pr
egna
ncy.
iv
. Cos
ts re
-la
ted
adm
is-
sion
in L
evel
3
NIC
U.
1. T
reat
men
t fo
r co
nditi
ons
aris
ing
out o
f al
coho
l/dr
ug/
subs
tanc
e ab
use
or a
d-di
ctio
ns.
2. T
reat
men
t fo
r ch
roni
c an
d pr
e-ex
ist-
ing
cond
ition
s.
3. T
reat
men
t fo
r or
rela
ted
to H
orm
ones
an
d H
orm
one
Repl
ace-
men
t The
rapy
(H
RT)
4. T
reat
men
t fo
r or
rela
ted
to fe
rtili
ty,
sexu
al p
rob-
lem
s, p
erm
a-ne
nt fa
mily
pl
anni
ng a
nd
volu
ntar
y te
r-m
inat
ion
of
preg
nanc
y.
Unl
ess
spec
ified
and
ag
reed
in w
rit-
ing,
IAA
will
no
t pro
vide
a
mem
ber
cove
red
unde
r th
is c
ontr
act,
trea
tmen
t or
cost
ther
eof
aris
ing
from
th
e fo
llow
ing
bene
fit e
xclu
-si
ons
or c
ir-cu
mst
ance
s
App
rove
d In
tern
atio
nal
Air
Am
bu-
lanc
e m
edic
al
prac
titio
ners
, Sp
ecia
lists
, C
onsu
ltant
s an
d N
urse
s m
ust g
ive
all
trea
tmen
t for
th
e so
le p
ur-
pose
of c
urin
g or
act
ivel
y an
d su
bsta
n-tia
lly re
lievi
ng
any
illne
ss o
r bo
dily
Inju
ry
cove
red
unde
r th
is a
gree
-m
ent.
a) H
ospi
tal-
izat
ion
for
non-
inva
sive
in
vest
igat
ions
an
d se
lf-re
-fe
rred
adm
is-
sion
s.
b) T
reat
men
t an
d ho
spi-
talis
atio
n of
ch
roni
c co
n-di
tions
not
st
ipul
ated
in
the
bene
fits
as p
er c
laus
e (
2) o
f thi
s co
n-tr
act i
nclu
ding
pr
osta
tes
c) A
ny m
edi-
cal c
ondi
tion
caus
ed b
y us
e of
alc
o-ho
l, dr
ug o
r in
toxi
catin
g su
bsta
nces
or
add
ictiv
e co
nditi
ons
of
any
kind
and
m
edic
al c
on-
ditio
ns
HE
AL
TH
MA
NA
GE
ME
NT
OR
GA
NIS
AT
ION
S P
RO
DU
CT
S C
ON
T’D
....
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
66 www.ira.go.ug
iv. C
osts
re
late
d to
tr
eatm
ent f
or
Cos
met
ic, r
e-co
nstr
uctiv
e,
reha
bilit
a-tiv
e re
med
ial
trea
tmen
t un-
less
requ
ired
as th
e di
rect
re
sult
of a
n ac
cide
nt.
v. T
reat
men
t fo
r or
in c
on-
nect
ion
to
dege
nera
tive/
geri
atri
c co
n-di
tions
. vi
. Hig
hly
spec
ializ
ed
and
elec
tive
surg
erie
s lik
e Jo
int r
epla
ce-
men
ts, o
rgan
tr
ansp
lant
s,
tissu
e re
-pl
acem
ent,
hyst
erec
tom
y,
vigi
nopl
asty
, Re
nal S
tone
s,
pros
trat
e an
d U
rina
ry /
blad
-de
r su
rger
y,
inne
r ey
e su
r-ge
ries
etc
. as
deem
ed s
o by
IA
A.
v. C
osts
re
late
d to
tr
eatm
ent f
or
Cos
met
ic, r
e-co
nstr
uctiv
e,
reha
bilit
a-tiv
e re
med
ial
trea
tmen
t un-
less
requ
ired
as th
e di
rect
re
sult
of a
n ac
cide
nt.
vi. T
reat
men
t fo
r or
in c
on-
nect
ion
to
dege
nera
tive/
geri
atri
c an
d co
ngen
ital
cond
ition
s.
vii.
Hig
hly
spec
ializ
ed
and
elec
tive
surg
erie
s lik
e Jo
int r
epla
ce-
men
ts, o
rgan
tr
ansp
lant
s,
tissu
e re
-pl
acem
ent,
hyst
erec
tom
y,
vigi
nopl
asty
, Re
nal S
tone
s,
pros
trat
e an
d U
rina
ry /
blad
-de
r su
rger
y,
inne
r ey
e su
r-ge
ries
etc
. as
deem
ed s
o by
IA
A.
5. T
reat
men
t fo
r or
rela
ted
to n
eona
tal
care
6.
Cos
ts
rela
ted
to
trea
tmen
t for
C
osm
etic
, re-
cons
truc
tive,
re
habi
lita-
tive
rem
edia
l tr
eatm
ent u
n-le
ss re
quire
d as
the
dire
ct
resu
lt of
an
acci
dent
. 7.
Tre
atm
ent
for
or in
con
-ne
ctio
n to
de
gene
rativ
e/ge
riat
ric
and
cong
enita
l co
nditi
ons.
8
. Tre
atm
ent
for
or re
frac
-tiv
e er
rors
9.
Hig
hly
spec
ializ
ed
and
elec
tive
surg
erie
s lik
e Jo
int r
epla
ce-
men
ts, o
rgan
tr
ansp
lant
s,
tissu
e re
-pl
acem
ent,
hyst
erec
tom
y,
vigi
nopl
asty
,
v. C
osts
re
late
d to
tr
eatm
ent f
or
Cos
met
ic, r
e-co
nstr
uctiv
e,
reha
bilit
a-tiv
e re
med
ial
trea
tmen
t un-
less
requ
ired
as th
e di
rect
re
sult
of a
n ac
cide
nt.
vi. T
reat
men
t fo
r or
in c
on-
nect
ion
to
dege
nera
tive/
geri
atri
c an
d co
ngen
ital
cond
ition
s.
vii.
Hig
hly
spec
ializ
ed
and
elec
tive
surg
erie
s lik
e Jo
int r
epla
ce-
men
ts, o
rgan
tr
ansp
lant
s,
tissu
e re
-pl
acem
ent,
hyst
erec
tom
y,
vigi
nopl
asty
, Re
nal S
tone
s,
pros
trat
e an
d U
rina
ry /
blad
-de
r su
rger
y,
inne
r ey
e su
r-ge
ries
etc
. as
deem
ed s
o by
IA
A.
5. T
reat
men
t fo
r or
rela
ted
to n
eona
tal
care
6.
Cos
ts
rela
ted
to
trea
tmen
t for
C
osm
etic
, re-
cons
truc
tive,
re
habi
lita-
tive
rem
edia
l tr
eatm
ent u
n-le
ss re
quire
d as
the
dire
ct
resu
lt of
an
acci
dent
. 7.
Tre
atm
ent
for
or in
con
-ne
ctio
n to
de
gene
rativ
e/ge
riat
ric
and
cong
enita
l co
nditi
ons.
8
. Tre
atm
ent
for
or re
frac
-tiv
e er
rors
9.
Hig
hly
spec
ializ
ed
and
elec
tive
surg
erie
s lik
e Jo
int r
epla
ce-
men
ts, o
rgan
tr
ansp
lant
s,
tissu
e re
-pl
acem
ent,
hyst
erec
tom
y,
vigi
nopl
asty
,
1. T
reat
men
t fo
r co
nditi
ons
aris
ing
out o
f al
coho
l/dr
ug/
subs
tanc
e ab
use
or a
d-di
ctio
ns.
2. T
reat
men
t fo
r or
rela
ted
to H
orm
ones
an
d H
orm
one
Repl
ace-
men
t The
rapy
(H
RT)
3. T
reat
men
t fo
r or
rela
ted
to fe
rtili
ty,
sexu
al p
rob-
lem
s, p
erm
a-ne
nt fa
mily
pl
anni
ng a
nd
volu
ntar
y te
r-m
inat
ion
of
preg
nanc
y.
4. T
reat
men
t fo
r or
rela
ted
to n
eona
tal
care
Unl
ess
spec
ified
and
ag
reed
in w
rit-
ing,
IAA
will
no
t pro
vide
a
mem
ber
cove
red
unde
r th
is c
ontr
act,
trea
tmen
t or
cost
ther
eof
aris
ing
from
th
e fo
llow
ing
bene
fit e
xclu
-si
ons
or c
ir-cu
mst
ance
s IA
A w
ill n
ot
be li
able
for
the
cost
of
serv
ices
ne-
cess
itate
d di
rect
ly o
r in
-di
rect
ly b
y:
a) H
ospi
taliz
a-tio
n fo
r no
n-in
vasi
ve in
ves-
tigat
ions
and
se
lf-re
ferr
ed
adm
issi
ons.
b)
Tre
atm
ent
and
hosp
i-ta
lisat
ion
of
chro
nic
con-
ditio
ns n
ot
stip
ulat
ed in
aris
ing
dire
ctly
or
indi
rect
ly
from
any
suc
h ab
use
or a
d-di
ctio
n;
d) T
reat
men
t of
med
ical
co
nditi
ons
whi
ch a
re
dete
rmin
ed o
n m
edic
al a
d-vi
ce a
s Lo
ng-
term
sup
port
-iv
e tr
eatm
ent
and
palli
ativ
e ca
re
e) H
orm
one
Repl
ace-
men
t The
rapy
(H
RT)
and
or
any
othe
r si
m-
ilar
or a
ssoc
i-at
ed m
edic
al
Inve
stig
atio
ns
or tr
eatm
ent.
Hor
mon
al
med
icat
ion
incl
udin
g bu
t no
t lim
ited
to m
ale
sex
horm
ones
, es
trog
en e
.g.
Prim
ulut
, pro
-ge
ster
one
etc.
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1767
Excl
usio
nsvi
i. Tr
eatm
ent
rela
ted
to o
r fo
r D
erm
atol
-og
y di
sord
ers
incl
udin
g ke
-lo
ids.
Mol
es,
papi
llom
a an
d sc
ar re
visi
ons.
vi
ii. T
reat
men
t of
med
ical
co
nditi
ons
or
inju
ries
re-
sulti
ng fr
om
part
icip
atio
n in
any
mili
tary
, na
val o
r ai
r fo
rce
oper
a-tio
n or
exe
r-ci
se, p
artic
ipa-
tion
in r
iots
, un
rest
, civ
il w
ar a
nd re
bel-
lion,
Vol
unta
ry
assu
mpt
ion
of
need
less
ris
k or
dan
ger,
ex-
cept
in a
n at
-te
mpt
to s
ave
hum
an li
fe;
ix. C
osts
rela
t-ed
to a
ltern
a-tiv
e m
edic
ine
incl
udin
g bu
t no
t lim
ited
to
herb
al m
edi-
catio
n.
Rena
l Sto
nes,
pr
ostr
ate
and
Uri
nary
/bl
ad-
der
surg
ery,
vi
ii. T
reat
men
t re
late
d to
or
for
Der
mat
ol-
ogy
diso
rder
s in
clud
ing
ke-
loid
s. M
oles
, pa
pillo
ma
and
scar
revi
sion
s.
ix. T
reat
men
t of
med
ical
co
nditi
ons
or
inju
ries
re-
sulti
ng fr
om
part
icip
atio
n in
any
mili
tary
, na
val o
r ai
r fo
rce
oper
a-tio
n or
exe
r-ci
se, p
artic
ipa-
tion
in r
iots
, un
rest
, civ
il w
ar a
nd re
bel-
lion,
Vol
unta
ry
assu
mpt
ion
of
need
less
ris
k or
dan
ger,
ex-
cept
in a
n at
-te
mpt
to s
ave
hum
an li
fe;
inne
r ey
e su
r-ge
ries
etc
. as
deem
ed s
o by
IA
A.
10. T
reat
men
t re
late
d to
or
for
Der
mat
ol-
ogy
diso
rder
s in
clud
ing
ke-
loid
s. M
oles
, pa
pillo
ma
and
scar
revi
sion
s.
11. T
reat
men
t of
med
ical
co
nditi
ons
or
inju
ries
re-
sulti
ng fr
om
part
icip
atio
n in
any
mili
tary
, na
val o
r ai
r fo
rce
oper
a-tio
n or
exe
r-ci
se, p
artic
ipa-
tion
in r
iots
, un
rest
, civ
il w
ar a
nd re
bel-
lion,
Vol
unta
ry
assu
mpt
ion
of
need
less
ris
k
or d
ange
r, ex
-ce
pt in
an
at-
tem
pt to
sav
e hu
man
life
;
viii.
Tre
atm
ent
rela
ted
to o
r fo
r D
erm
atol
-og
y di
sord
ers
incl
udin
g ke
-lo
ids.
Mol
es,
papi
llom
a an
d sc
ar re
visi
ons.
ix
. Tre
atm
ent
of m
edic
al
cond
ition
s or
in
juri
es re
-su
lting
from
pa
rtic
ipat
ion
in a
ny m
ilita
ry,
nava
l or
air
forc
e op
era-
tion
or e
xer-
cise
, par
ticip
a-tio
n in
rio
ts,
unre
st, c
ivil
war
and
rebe
l-lio
n, V
olun
tary
as
sum
ptio
n of
ne
edle
ss r
isk
or
dan
ger,
ex-
cept
in a
n at
-te
mpt
to s
ave
hum
an li
fe;
x. C
osts
rela
t-ed
to a
ltern
a-tiv
e m
edic
ine
incl
udin
g bu
t no
t lim
ited
to
herb
al m
edi-
catio
n.
Rena
l Sto
nes,
pr
ostr
ate
and
Uri
nary
/bl
ad
der
surg
ery,
in
ner
eye
sur-
geri
es e
tc. a
s de
emed
so
by
IAA
. 10
. Tre
atm
ent
rela
ted
to o
r fo
r D
erm
atol
-og
y di
sord
ers
incl
udin
g ke
-lo
ids.
Mol
es,
papi
llom
a an
d sc
ar re
visi
ons.
11
. Tre
atm
ent
of m
edic
al
cond
ition
s or
in
juri
es re
-su
lting
from
pa
rtic
ipat
ion
in a
ny m
ilita
ry,
nava
l or
air
forc
e op
era-
tion
or e
xer-
cise
, par
ticip
a-tio
n in
rio
ts,
unre
st, c
ivil
war
and
rebe
l-lio
n, V
olun
tary
as
sum
ptio
n of
ne
edle
ss r
isk
or d
ange
r, ex
-ce
pt in
an
at-
tem
pt to
sav
e hu
man
life
;
5. C
osts
re
late
d to
tr
eatm
ent f
or
Cos
met
ic, r
e-co
nstr
uctiv
e,
reha
bilit
a-tiv
e re
med
ial
trea
tmen
t un-
less
requ
ired
as th
e di
rect
re
sult
of a
n ac
cide
nt.
6. T
reat
men
t fo
r or
in c
on-
nect
ion
to
dege
nera
tive/
geri
atri
c co
n-di
tions
. 7.
Tre
atm
ent
for
or re
frac
-tiv
e er
rors
8
. Hig
hly
spec
ialis
ed
and
elec
tive
surg
erie
s lik
e Jo
int r
epla
ce-
men
ts, o
rgan
tr
ansp
lant
s,
tissu
e re
-pl
acem
ent,
hyst
erec
tom
y,
vigi
nopl
asty
,
the
bene
fits
as p
er c
laus
e (
2) o
f thi
s co
n-tr
act i
nclu
ding
pr
osta
tes
c) A
ny m
edi-
cal c
ondi
tion
caus
ed b
y us
e of
alc
o-ho
l, dr
ug o
r in
toxi
catin
g su
bsta
nces
or
addi
ctiv
e co
n-di
tions
of a
ny
kind
and
med
-ic
al c
ondi
tions
ar
isin
g di
rect
ly
or in
dire
ctly
fr
om a
ny s
uch
abus
e or
ad-
dict
ion;
d) T
reat
men
t of
med
ical
co
nditi
ons
whi
ch a
re
dete
rmin
ed o
n m
edic
al a
d-vi
ce a
s Lo
ng-
term
sup
port
-iv
e tr
eatm
ent
and
palli
ativ
e ca
re
f) T
reat
men
t an
d in
vest
iga-
tions
dire
ctly
or
indi
rect
ly
aris
ing
from
or
requ
ired
in
conn
ectio
n w
ith m
ale
and
fem
ale
infe
rtil-
ity in
clud
ing
but n
ot li
mite
d to
ass
iste
d re
prod
uctio
n,
(IV
F)
g) E
xpen
ses
incu
rred
in
con
nec-
tion
with
pe
rman
ent
fam
ily p
lan-
ning
met
hods
su
ch a
s tu
bal
ligat
ion,
hys
-te
rect
omy,
va
sect
omy
or
the
reve
rsal
of
such
pro
ce-
dure
s.
HE
AL
TH
MA
NA
GE
ME
NT
OR
GA
NIS
AT
ION
S P
RO
DU
CT
S C
ON
T’D
....
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
68 www.ira.go.ug
x. C
ost o
f tr
eatm
ent
aris
ing
out o
f Se
lf-re
ques
ted
care
and
wil-
ful i
nflic
tion,
Sc
reen
ing
test
s an
d V
ac-
cina
tions
. xi
. Tre
atm
ent
for
deve
lop-
men
tal a
nd
soci
al b
ehav
-io
ral i
llnes
ses.
xi
i. Tr
eatm
ent
give
n in
rela
-tio
n to
inst
itu-
tiona
lizat
ion,
qu
aran
tine,
sa
nato
rium
ca
re.
xiii.
Tre
at-
men
t for
or
in c
onne
ctio
n to
wei
ght
prob
lem
s, e
at-
ing
diso
rder
s,
food
, org
anic
an
d m
iner
al
and
vita
min
su
pple
men
ts
xiv.
Den
ture
s,
fals
e te
eth
and
or o
rtho
dont
ic
trea
tmen
t.
x. C
osts
rela
t-ed
to a
ltern
a-tiv
e m
edic
ine
incl
udin
g bu
t no
t lim
ited
to
herb
al m
edi-
catio
n.
xi. C
ost o
f tr
eatm
ent
aris
ing
out o
f Se
lf-re
ques
ted
care
and
wil-
ful i
nflic
tion,
Sc
reen
ing
test
s an
d V
ac-
cina
tions
. xi
i. Tr
eatm
ent
for
deve
lop-
men
tal a
nd
soci
al b
ehav
-io
ral i
llnes
ses.
xi
ii. T
reat
men
t gi
ven
in re
la-
tion
to in
stitu
-tio
naliz
atio
n,
quar
antin
e,
sana
tori
um
care
.
2. C
osts
rela
t-ed
to a
ltern
a-tiv
e m
edic
ine
incl
udin
g bu
t no
t lim
ited
to
herb
al m
edi-
catio
n.
13. C
ost o
f tr
eatm
ent
aris
ing
out o
f Se
lf-re
ques
ted
care
and
wil-
ful i
nflic
tion,
Sc
reen
ing
test
s an
d V
ac-
cina
tions
. 14
. Tre
atm
ent
for
deve
lop-
men
tal a
nd
soci
al b
ehav
-io
ral i
llnes
ses.
15
. Tre
atm
ent
give
n in
rela
-tio
n to
inst
itu-
tiona
lizat
ion,
qu
aran
tine,
sa
nato
rium
ca
re.
xi. C
ost o
f tr
eatm
ent
aris
ing
out o
f Se
lf-re
ques
ted
care
and
wil-
ful i
nflic
tion,
Sc
reen
ing
test
s an
d V
ac-
cina
tions
. xi
i. Tr
eatm
ent
for
deve
lop-
men
tal a
nd
soci
al b
ehav
-io
ral i
llnes
ses.
xi
ii. T
reat
men
t gi
ven
in re
la-
tion
to in
stitu
-tio
naliz
atio
n,
quar
antin
e,
sana
tori
um
care
. xi
v. T
reat
-m
ent f
or o
r in
con
nect
ion
to w
eigh
t pr
oble
ms,
eat
-in
g di
sord
ers,
fo
od, o
rgan
ic
and
min
eral
an
d vi
tam
in
supp
lem
ents
12. C
osts
re-
late
d to
alte
r-na
tive
med
i-ci
ne in
clud
ing
but n
ot li
mite
d to
her
bal m
ed-
icat
ion.
13
. Cos
t of
trea
tmen
t ar
isin
g ou
t of
Self-
requ
este
d ca
re a
nd w
il-fu
l inf
lictio
n,
Scre
enin
g te
sts
and
Vac
-ci
natio
ns.
14. T
reat
men
t fo
r de
velo
p-m
enta
l and
so
cial
beh
av-
iora
l illn
esse
s.
15. T
reat
men
t gi
ven
in re
la-
tion
to in
stitu
-tio
naliz
atio
n,
quar
antin
e,
sana
tori
um
care
.
Rena
l Sto
nes,
pr
ostr
ate
and
Uri
nary
/bl
adde
r su
r-ge
ry, i
nner
ey
e su
rger
ies
,inse
rtio
n an
d ch
argi
ng o
f pa
ce m
ark-
ers
etc.
as
deem
ed s
o by
IA
A.
9. T
reat
men
t re
late
d to
or
for
Der
mat
ol-
ogy
diso
rder
s in
clud
ing
ke-
loid
s. M
oles
, pa
pillo
ma
and
scar
revi
sion
s.
10. T
reat
men
t of
med
ical
co
nditi
ons
or
inju
ries
re-
sulti
ng fr
om
part
icip
atio
n in
any
mili
tary
, na
val o
r ai
r fo
rce
oper
a-tio
n or
exe
r-ci
se, p
artic
ipa-
tion
in r
iots
, un
rest
, civ
il
e) H
orm
one
Repl
ace-
men
t The
rapy
(H
RT)
and
or
any
othe
r si
m-
ilar
or a
ssoc
i-at
ed m
edic
al
Inve
stig
atio
ns
or tr
eatm
ent.
Hor
mon
al
med
icat
ion
incl
udin
g bu
t no
t lim
ited
to m
ale
sex
horm
ones
, es
trog
en e
.g.
Prim
ulut
, pro
-ge
ster
one
etc.
f)
Tre
atm
ent
and
inve
stig
a-tio
ns d
irect
ly
or in
dire
ctly
ar
isin
g fr
om
or re
quire
d in
co
nnec
tion
with
mal
e an
d fe
mal
e in
fert
il-ity
incl
udin
g bu
t not
lim
ited
to a
ssis
ted
repr
oduc
tion,
(I
VF)
h) K
idne
y di
alys
is o
ther
th
an in
the
case
of a
cute
re
vers
ible
kid
-ne
y fa
ilure
, as
dete
rmin
ed b
y us
upo
n m
edi-
cal a
dvic
e.
i) P
regn
ancy
, ch
ildbi
rth,
pre
-m
atur
ity a
nd
post
and
pre
-na
tal c
harg
es
whe
ther
nor
-m
al o
r co
mpl
i-ca
ted
unle
ss
the
mem
ber
is
cove
red
u
n-de
r th
e te
rms
and
cond
ition
s fo
r th
e M
ater
-ni
ty O
ptio
n j)
Inve
stig
a-tio
n, h
ospi
-ta
lizat
ion
and
or a
ny o
ther
th
erap
y an
d tr
eatm
ent r
e-la
ted
to b
irth
de
fect
s an
d co
ngen
ital
cond
ition
s;
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1769
xv. C
osts
ari
s-in
g ou
t of o
r fo
r in
tern
al
and
exte
rnal
pr
osth
eses
xv
i. D
entu
res,
fa
lse
teet
h an
d or
ort
hodo
ntic
tr
eatm
ent.
xvii.
Spe
cial
-iz
ed in
vest
iga-
tions
. xv
iii. E
xpen
ses
incu
rred
w
hich
are
re
imbu
rsab
le
to th
e M
em-
ber
by a
third
pa
rty.
xiv.
Tre
at-
men
t for
or
in c
onne
ctio
n to
wei
ght
prob
lem
s, e
at-
ing
diso
rder
s,
food
, org
anic
an
d m
iner
al
and
vita
min
su
pple
men
ts
xv. T
reat
men
t re
late
d to
de
ntal
car
e ot
her
than
th
at m
en-
tione
d in
the
scop
e of
cov
er
eg.D
entu
res,
fa
lse
teet
h an
d or
ort
hodo
ntic
tr
eatm
ent.
xvi.
Cos
ts a
ris-
ing
out o
f or
for
inte
rnal
an
d ex
tern
al
pros
thes
es
xvii.
Spe
cial
-iz
ed in
vest
iga-
tions
.
116.
Tre
at-
men
t for
or
in
conn
ectio
n to
w
eigh
t pro
b-le
ms,
eat
ing
diso
rder
s,
food
, org
anic
an
d m
iner
al
and
vita
min
su
pple
men
ts
17. D
entu
res,
fa
lse
teet
h an
d or
ort
hodo
ntic
tr
eatm
ent.
18. C
osts
ari
s-in
g ou
t of o
r fo
r in
tern
al
and
exte
rnal
pr
osth
eses
19
. Den
ture
s,
fals
e te
eth
and
or o
rtho
dont
ic
trea
tmen
t.
xv. T
reat
men
t re
late
d to
de
ntal
car
e ot
her
than
th
at m
en-
tione
d in
the
scop
e of
cov
er
eg.D
entu
res,
fa
lse
teet
h an
d or
ort
hodo
ntic
tr
eatm
ent.
xvi.
Cos
ts a
ris-
ing
out o
f or
for
inte
rnal
an
d ex
tern
al
pros
thes
es
xvii.
Spe
cial
-iz
ed in
vest
iga-
tions
.
16. T
reat
men
t fo
r or
in c
on-
nect
ion
to
wei
ght p
rob-
lem
s, e
atin
g di
sord
ers,
fo
od, o
rgan
ic
and
min
eral
an
d vi
tam
in
supp
lem
ents
17
. Den
ture
s,
fals
e te
eth
and
or o
rtho
dont
ic
trea
tmen
t. 18
. Cos
ts a
ris-
ing
out o
f or
for
inte
rnal
an
d ex
tern
al
pros
thes
es
19. D
entu
res,
fa
lse
teet
h an
d or
ort
hodo
ntic
tr
eatm
ent.
war
and
rebe
l-lio
n, V
olun
tary
as
sum
ptio
n of
ne
edle
ss r
isk
or
dan
ger,
ex-
cept
in a
n at
-te
mpt
to s
ave
hum
an li
fe;
11. C
osts
rela
t-ed
to a
ltern
a-tiv
e m
edic
ine
incl
udin
g bu
t no
t lim
ited
to
herb
al m
edi-
catio
n.
12. C
ost o
f tr
eatm
ent
aris
ing
out o
f Se
lf-re
ques
ted
care
and
wil-
ful i
nflic
tion,
Sc
reen
ing
test
s an
d V
ac-
cina
tions
. 13
. Tre
atm
ent
for
deve
lop-
men
tal a
nd
soci
al b
e-ha
viou
ral i
ll-ne
sses
.
reco
nstr
uc-
tive,
reha
bili-
tato
r re
med
ial
trea
tmen
t or
surg
ery,
in-
clud
ing
but
not l
imite
d to
: i.
Rem
oval
of
birt
hmar
ks,
kelo
ids.
ii.
Rem
oval
of
fat f
rom
any
pa
rt o
f the
bo
dy, b
reas
t re
duct
ion
or
brea
st e
n-la
rgem
ent.
iii
. Ear
or
body
pi
erci
ng a
nd
tatt
ooin
g an
d an
y tr
eat-
men
t req
uire
d w
heth
er o
r no
t for
psy
-ch
olog
ical
re
ason
s an
d or
an
y co
mpl
ica-
tions
ari
sing
th
erea
fter
.
HE
AL
TH
MA
NA
GE
ME
NT
OR
GA
NIS
AT
ION
S P
RO
DU
CT
S C
ON
T’D
....
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
70 www.ira.go.ug
xviii
. Exp
ense
s in
curr
ed
whi
ch a
re
reim
burs
able
to
the
Mem
-be
r by
a th
ird
part
y.
xix.
Las
t ex-
pens
es.
20. S
peci
al-
ized
inve
stig
a-tio
ns.
21. E
xpen
ses
incu
rred
w
hich
are
re
imbu
rsab
le
to th
e M
em-
ber
by a
third
pa
rty.
22
. Las
t ex-
pens
es.
xviii
. Exp
ense
s in
curr
ed
whi
ch a
re
reim
burs
able
to
the
Mem
-be
r by
a th
ird
part
y.
xix.
Las
t ex-
pens
es.
20. S
peci
al-
ized
inve
stig
a-tio
ns.
21. E
xpen
ses
incu
rred
w
hich
are
re
imbu
rsab
le
to th
e M
em-
ber
by a
third
pa
rty.
22
. Las
t ex-
pens
es.
14. T
reat
men
t gi
ven
in re
la-
tion
to in
stitu
-tio
naliz
atio
n,
quar
antin
e,
sana
tori
um
care
. 15
. Tre
atm
ent
for
or in
con
-ne
ctio
n to
w
eigh
t pro
b-le
ms,
eat
ing
diso
rder
s,
food
, org
anic
an
d m
iner
al
and
vita
min
su
pple
men
ts
16. R
oot c
anal
tr
eatm
ent,
Den
ture
s,
fals
e te
eth
and
or o
rtho
dont
ic
trea
tmen
t. 17
. Cos
ts a
ris-
ing
out o
f or
for
inte
rnal
an
d ex
tern
al
pros
thes
es
incl
udin
g tis
-su
e im
plan
ts
,ste
nts
and
rent
al o
r pu
rcha
se
of c
rutc
hes
,whe
elch
airs
et
c
g) E
xpen
ses
incu
rred
in
con
nec-
tion
with
pe
rman
ent
fam
ily p
lan-
ning
met
hods
su
ch a
s tu
bal
ligat
ion,
hys
-te
rect
omy,
va
sect
omy
or
the
reve
rsal
of
such
pro
ce-
dure
s.
h) K
idne
y di
alys
is o
ther
th
an in
the
case
of a
cute
re
vers
ible
kid
-ne
y fa
ilure
, as
dete
rmin
ed b
y us
upo
n m
edi-
cal a
dvic
e.
i) P
regn
ancy
, ch
ildbi
rth,
pre
-m
atur
ity a
nd
post
and
pre
-na
tal c
harg
es
whe
ther
nor
-m
al o
r co
mpl
i-ca
ted
unle
ss
the
mem
ber
is
cove
red
u
n-de
r th
e te
rms
and
cond
ition
s fo
r th
e M
ater
-ni
ty O
ptio
n
k) C
osm
etic
, U
nles
s re
-qu
ired
as th
e di
rect
resu
lt of
an
incl
uded
no
n- p
re-e
x-is
ting
med
ical
co
nditi
on o
r an
acc
iden
t, pr
ovid
ing
that
any
suc
h tr
eatm
ent
resu
lting
from
an
acc
iden
t is
incl
uded
un-
der
the
mem
-be
rs b
enef
its.
l) S
peci
alis
ed
and
elec
tive
Surg
erie
s in
clud
ing
but
not l
imite
d to
;
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1771
18. D
entu
res,
fa
lse
teet
h an
d or
ort
hodo
ntic
tr
eatm
ent.
19. S
peci
aliz
ed
inve
stig
atio
ns.
20. E
xpen
ses
incu
rred
w
hich
are
re
imbu
rsab
le
to th
e M
em-
ber
by a
third
pa
rty.
21
. Tre
atm
ent
and
hosp
i-ta
lisat
ion
of
chro
nic
con-
ditio
ns n
ot
stip
ulat
ed in
th
e be
nefit
s as
per
cla
use
( 2)
of t
his
con-
trac
t inc
ludi
ng
pros
tate
s 22
. Kid
ney
dial
ysis
oth
er
than
in th
e ca
se o
f acu
te
reve
rsib
le k
id-
ney
failu
re, a
s de
term
ined
by
us u
pon
med
i-ca
l adv
ice.
23
. Pre
gnan
cy,
child
birt
h, p
re-
mat
urity
and
j) In
vest
iga-
tion,
hos
pi-
taliz
atio
n an
d or
any
oth
er
ther
apy
and
trea
tmen
t re-
late
d to
bir
th
defe
cts
and
cong
enita
l co
nditi
ons;
k)
Cos
met
ic,
reco
nstr
uc-
tive,
reha
bili-
tato
r re
med
ial
trea
tmen
t or
surg
ery,
in-
clud
ing
but
not l
imite
d to
: i.
Rem
oval
of
birt
hmar
ks,
kelo
ids.
ii.
Rem
oval
of
fat f
rom
any
pa
rt o
f the
bo
dy, b
reas
t re
duct
ion
or
brea
st e
n-la
rgem
ent.
iii
. Ear
or
body
pi
erci
ng a
nd
tatt
ooin
g an
d an
y tr
eatm
ent
requ
ired
i. La
paro
scop
-ic
(ke
yhol
e)
surg
ery
and
phac
o ca
ta-
ract
ext
ract
ion
ii. H
ip re
plac
e-m
ent,
Spin
al
surg
ery,
Joi
nt
repl
acem
ent
and
othe
r su
rger
ies
invo
lvin
g im
-pl
anta
tion
of
pros
thes
es
and
orga
n or
tis
sue
repl
ace-
men
ts.
iii. E
NT
ele
c-tiv
e su
rger
y In
clud
ing
but
not l
imite
d to
Ade
note
n-so
lect
omy,
Tu
bene
ctom
y,
Ven
tilat
ion
of e
ar tu
bes,
Te
nsol
ecto
my,
N
eck
cyst
, C
ald
wel
l luc
, H
ypho
phya
r-ge
al, R
hino
to-
my,
Tym
pano
-pl
asty
HE
AL
TH
MA
NA
GE
ME
NT
OR
GA
NIS
AT
ION
S P
RO
DU
CT
S C
ON
T’D
....
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
72 www.ira.go.ug
post
and
pre
-na
tal c
harg
es
whe
ther
nor
-m
al o
r co
mpl
i-ca
ted
unle
ss
the
mem
ber
is
cove
red
u
n-de
r th
e te
rms
and
cond
ition
s fo
r th
e M
ater
-ni
ty O
ptio
n 24
. Inv
estig
a-tio
n, h
ospi
-ta
lizat
ion
and
or a
ny o
ther
th
erap
y an
d tr
eatm
ent r
e-la
ted
to b
irth
de
fect
s an
d co
ngen
ital
cond
ition
s;
25. A
ny jo
ur-
ney,
act
iv-
ity, a
ctio
n or
tr
eatm
ent
unde
rtak
en
agai
nst t
he
advi
ce o
f a
med
ical
pr
actit
ione
r, sp
ecia
list,
cons
ulta
nt o
r th
erap
ist
whe
ther
or
not f
or p
sy-
chol
ogic
al
reas
ons
and
or
any
com
plic
a-tio
ns a
risi
ng
ther
eaft
er.
Unl
ess
re-
quire
d as
the
dire
ct re
sult
of a
n in
clud
ed
non-
pre
-ex-
istin
g m
edic
al
cond
ition
or
an a
ccid
ent,
prov
idin
g th
at a
ny s
uch
trea
tmen
t re
sulti
ng fr
om
an a
ccid
ent i
s in
clud
ed u
n-de
r th
e m
em-
bers
ben
efits
. l)
Spe
cial
ised
an
d el
ectiv
e Su
rger
ies
incl
udin
g bu
t no
t lim
ited
to;
iv. M
ymec
to-
mie
s an
d V
igi-
nopl
asy
v. U
rolo
gy s
ur-
geri
es
vi. H
yste
rect
o-m
ies
vii.
Inse
rtio
n an
d ch
argi
ng
of P
ace
mak
-er
s vi
ii. S
urge
r-ie
s re
late
d to
ca
ncer
and
pr
osta
tes
m)
Pre-
exis
t-in
g in
juri
es
and
or c
ompl
i-ca
tions
ari
sing
fr
om p
rior
su
rger
ies,
w
heth
er th
e su
rger
y w
as
cove
red
at th
e tim
e or
not
. In
clud
ing
but
not l
imite
d to
O
rtho
paed
ic
com
plic
atio
ns
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1773
26. T
reat
-m
ent d
irect
ly
or in
dire
ctly
ar
isin
g fr
om o
r re
quire
d in
or-
gan
dona
tion
or tr
ansp
lant
an
d an
y co
m-
plic
atio
ns a
ris-
ing
ther
eaft
er.
27. P
re-e
xist
-in
g in
juri
es
and
or c
ompl
i-ca
tions
ari
sing
fr
om p
rior
su
rger
ies,
w
heth
er th
e su
rger
y w
as
cove
red
at th
e tim
e or
not
. In
clud
ing
but
not l
imite
d to
O
rtho
paed
ic
com
plic
atio
ns
28. H
ome
vis-
its b
y a
med
i-ca
l Pra
ctiti
o-ne
r, sp
ecia
list
or n
urse
. 29
. Las
t ex-
pens
es
i. La
paro
scop
-ic
(ke
yhol
e)
surg
ery
and
phac
o ca
ta-
ract
ext
ract
ion
ii.
Hip
repl
ace-
men
t, Sp
inal
su
rger
y, J
oint
re
plac
emen
t an
d ot
her
surg
erie
s in
volv
ing
im-
plan
tatio
n of
pr
osth
eses
an
d or
gan
or
tissu
e re
plac
e-m
ents
. iii
. EN
T e
lec-
tive
surg
ery
Incl
udin
g bu
t no
t lim
ited
to A
deno
ten-
sole
ctom
y,
Tube
nect
omy,
V
entil
atio
n of
ear
tube
s,
Tens
olec
tom
y,
Nec
k cy
st,
Cal
d w
ell l
uc,
Hyp
hoph
yar-
geal
, Rhi
noto
-m
y, T
ympa
no-
plas
ty
n) A
ny c
osts
re
late
d to
Pa-
tient
pre
ferr
ed
trea
tmen
t or
med
icat
ion,
in
clud
ing
but
not l
imite
d to
dru
gs a
nd
med
ical
per
-so
nnel
. o)
Any
jour
-ne
y, a
ctiv
-ity
, act
ion
or
trea
tmen
t un
dert
aken
ag
ains
t the
ad
vise
of
a m
edic
al
prac
titio
ner,
spec
ialis
t, co
nsul
tant
or
ther
apis
t p)
Vol
unta
ry
Term
inat
ion
of
preg
nanc
y.
q) T
reat
men
t di
rect
ly o
r in
dire
ctly
re-
late
d to
sex
ual
prob
lem
s e.
g.
Impo
tenc
e.
HE
AL
TH
MA
NA
GE
ME
NT
OR
GA
NIS
AT
ION
S P
RO
DU
CT
S C
ON
T’D
....
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
74 www.ira.go.ug
iv. M
ymec
to-
mie
s an
d V
igi-
nopl
asy
v. U
rolo
gy s
ur-
geri
es
vi. H
yste
rect
o-m
ies
vii.
Inse
rtio
n an
d ch
argi
ng
of P
ace
mak
-er
s vi
ii. S
urge
r-ie
s re
late
d to
ca
ncer
and
pr
osta
tes
m)
Pre-
exis
t-in
g in
juri
es
and
or c
ompl
i-ca
tions
ari
sing
fr
om p
rior
su
rger
ies,
w
heth
er th
e su
rger
y w
as
cove
red
at th
e tim
e or
not
. In
clud
ing
but
not l
imite
d to
O
rtho
paed
ic
com
plic
atio
ns
r) T
reat
men
t di
rect
ly o
r in
dire
ctly
ari
s-in
g fr
om o
r re
quire
d in
or-
gan
dona
tion
or tr
ansp
lant
an
d an
y co
m-
plic
atio
ns a
ris-
ing
ther
eaft
er.
s) T
reat
men
t of
med
ical
co
nditi
ons
or
inju
ries
re-
sulti
ng fr
om
part
icip
atio
n in
any
mili
tary
, na
val o
r ai
r fo
rce
oper
a-tio
n or
exe
r-ci
se, p
artic
ipa-
tion
in r
iots
, un
rest
, civ
il w
ar a
nd re
bel-
lion,
Vol
unta
ry
assu
mpt
ion
of
need
less
ris
k
or d
ange
r, ex
-ce
pt in
an
at-
tem
pt to
sav
e hu
man
life
;
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1775
n) A
ny c
osts
re
late
d to
Pa-
tient
pre
ferr
ed
trea
tmen
t or
med
icat
ion,
in
clud
ing
but
not l
imite
d to
dru
gs a
nd
med
ical
per
-so
nnel
. o)
Any
jour
-ne
y, a
ctiv
-ity
, act
ion
or
trea
tmen
t un
dert
aken
ag
ains
t the
ad
vise
of
a m
edic
al
prac
titio
ner,
spec
ialis
t, co
nsul
tant
or
ther
apis
t p)
Vol
unta
ry
Term
inat
ion
of
preg
nanc
y.
q) T
reat
men
t di
rect
ly o
r in
dire
ctly
re-
late
d to
sex
ual
prob
lem
s e.
g.
Impo
tenc
e.
t) M
edic
al
cond
ition
s,
Inju
ries
or
trea
tmen
t ar
isin
g fr
om
part
icip
atio
ns
in d
ange
rous
an
d pr
ofes
-si
onal
spo
rts
activ
ities
- e
.g.
whi
te w
ater
ra
ftin
g, b
un-
gee
jum
ping
, w
ild a
nim
al
trac
king
, m
ount
aine
er-
ing
(roc
k or
cl
iff c
limbi
ng),
m
otor
cycl
e,
hors
e or
car
ra
cing
, scu
ba
divi
ng o
r fly
-in
g (e
xcep
t on
com
mer
cial
ai
rlin
es)e
.t.c.
)
Trea
tmen
t re
ceiv
ed in
he
alth
hyd
ros,
na
ture
cur
e cl
inic
s, s
pas
or
sim
ilar
esta
b-lis
hmen
ts o
r pr
ivat
e be
ds
HE
AL
TH
MA
NA
GE
ME
NT
OR
GA
NIS
AT
ION
S P
RO
DU
CT
S C
ON
T’D
....
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
76 www.ira.go.ug
dire
ctly
or
indi
rect
ly a
ris-
ing
from
or
requ
ired
in o
r-ga
n do
natio
n or
tran
spla
nt
and
any
com
-pl
icat
ions
ari
s-in
g th
erea
fter
. s)
Tre
atm
ent
of m
edic
al
cond
ition
s or
in
juri
es re
-su
lting
from
pa
rtic
ipat
ion
in a
ny m
ilita
ry,
nava
l or
air
forc
e op
era-
tion
or e
xer-
cise
, par
ticip
a-tio
n in
rio
ts,
unre
st, c
ivil
war
and
rebe
l-lio
n, V
olun
tary
as
sum
ptio
n of
ne
edle
ss r
isk
or
dan
ger,
ex-
cept
in a
n at
-te
mpt
to s
ave
hum
an li
fe;
u re
gist
ered
as
a n
ursi
ng
hom
e or
a
hosp
ital w
here
th
e pe
rson
’s
hom
e or
per
-m
anen
t abo
de
or w
here
ad-
mis
sion
is a
r-ra
nged
who
lly
or p
artia
lly fo
r do
mes
tic re
a-so
ns.
v) T
reat
men
t ad
min
iste
red
by c
hiro
prac
-to
rs, o
steo
-pa
ths,
hom
eo-
path
s, a
nd
acup
unct
ur-
ists
whe
ther
or
not
giv
en
unde
r th
e di
rect
con
trol
of
and
follo
w-
ing
refe
rral
by
a m
edic
al
prac
titio
ner
or
spec
ialis
t. an
d
any
othe
r suc
h ca
ses
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1777
r) T
reat
men
t t)
Med
ical
co
nditi
ons,
In
juri
es o
r tr
eatm
ent
aris
ing
from
pa
rtic
ipat
ions
in
dan
gero
us
and
prof
es-
sion
al s
port
s ac
tiviti
es -
e.g
. w
hite
wat
er
raft
ing,
bun
-ge
e ju
mpi
ng,
wild
ani
mal
tr
acki
ng,
mou
ntai
neer
-in
g (r
ock
or
cliff
clim
bing
),
mot
orcy
cle,
ho
rse
or c
ar
raci
ng, s
cuba
di
ving
or
fly-
ing
(exc
ept o
n co
mm
erci
al
airl
ines
)e.t.
c.
u) T
reat
men
t re
ceiv
ed in
he
alth
hyd
ros,
na
ture
cur
e cl
inic
s, s
pas
or
sim
ilar
esta
b-lis
hmen
ts o
r pr
ivat
e be
ds
regi
ster
ed a
s a
w)
Tre
atm
ent
of le
arni
ng
and
hear
ing
diff
icul
ties,
hy
pera
ctiv
-ity
, att
entio
n de
ficit
diso
r-de
r, sp
eech
th
erap
y an
d de
velo
pmen
-ta
l, so
cial
or
beha
viou
ral
prob
lem
s an
d he
arin
g te
sts
x) N
on-m
ed-
ical
/ na
tura
l de
gene
rativ
e ey
e de
fect
s,
incl
udin
g bu
t no
t lim
ited
to
Myo
pia,
Pre
s-by
opia
and
as
tigm
atis
m
and
any
cor-
rect
ive
sur-
gery
s) T
reat
men
t an
d in
vest
iga-
tion
of d
egen
er
ativ
e m
edi-
cal c
ondi
tions
Pa
rkin
son’
s di
seas
e, A
l-zh
eim
er’s
dis
-ea
se, v
esic
ular
HE
AL
TH
MA
NA
GE
ME
NT
OR
GA
NIS
AT
ION
S P
RO
DU
CT
S C
ON
T’D
....
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
78 www.ira.go.ug
r) T
reat
men
t t)
Med
ical
co
nditi
ons,
In
juri
es o
r tr
eatm
ent
aris
ing
from
pa
rtic
ipat
ions
in
dan
gero
us
and
prof
es-
sion
al s
port
s ac
tiviti
es -
e.g
. w
hite
wat
er
raft
ing,
bun
-ge
e ju
mpi
ng,
wild
ani
mal
tr
acki
ng,
mou
ntai
neer
-in
g (r
ock
or
cliff
clim
bing
),
mot
orcy
cle,
ho
rse
or c
ar
raci
ng, s
cuba
di
ving
or
fly-
ing
(exc
ept o
n co
mm
erci
al
airl
ines
)e.t.
c.
u) T
reat
men
t re
ceiv
ed in
he
alth
hyd
ros,
na
ture
cur
e cl
inic
s, s
pas
or
sim
ilar
esta
b-lis
hmen
ts o
r pr
ivat
e be
ds
regi
ster
ed a
s a
w)
Tre
atm
ent
of le
arni
ng
and
hear
ing
diff
icul
ties,
hy
pera
ctiv
-ity
, att
entio
n de
ficit
diso
r-de
r, sp
eech
th
erap
y an
d de
velo
pmen
-ta
l, so
cial
or
beha
viou
ral
prob
lem
s an
d he
arin
g te
sts
x) N
on-m
ed-
ical
/ na
tura
l de
gene
rativ
e ey
e de
fect
s,
incl
udin
g bu
t no
t lim
ited
to
Myo
pia,
Pre
s-by
opia
and
as
tigm
atis
m
and
any
cor-
rect
ive
sur-
gery
s) T
reat
men
t an
d in
vest
iga-
tion
of d
egen
er
ativ
e m
edi-
cal c
ondi
tions
Pa
rkin
son’
s di
seas
e, A
l-zh
eim
er’s
dis
-ea
se, v
esic
ular
nurs
ing
hom
e or
a h
ospi
tal
whe
re th
e pe
rson
’s h
ome
or p
erm
anen
t ab
ode
or
whe
re a
dmis
-si
on is
ar-
rang
ed w
holly
or
par
tially
for
dom
estic
rea-
sons
. v)
Tre
atm
ent
adm
inis
tere
d by
chi
ropr
ac-
tors
, ost
eo-
path
s, h
omeo
-pa
ths,
and
ac
upun
ctur
-is
ts w
heth
er
or n
ot g
iven
un
der
the
dire
ct c
ontr
ol
of a
nd fo
llow
-in
g re
ferr
al
by a
med
ical
pr
actit
ione
r or
sp
ecia
list.
and
an
y ot
her
such
ca
ses
dise
ases
like
at
hero
scle
ro-
sis,
ost
eopo
-ro
sis,
spi
nal
dise
ases
. y)
Vac
cina
-tio
ns a
nd
prev
enta
tive
trea
tmen
t. z)
Adm
is-
sion
and
Out
pa
tient
trea
t-m
ent i
nclu
d-in
g dr
ugs
and
trea
tmen
t for
Ps
ychi
atri
c/ps
ycho
logi
cal
cond
ition
s,
rest
cur
es,
stre
ss, a
nxie
ty,
hom
esic
knes
s,
inst
itutio
nal-
izat
ion,
qua
r-an
tine,
san
a-to
rium
car
e,
for p
sych
iatr
ic,
psyc
holo
gica
l an
d ne
urot
ic
cond
ition
s
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1779
w)
Tre
atm
ent
of le
arni
ng
and
hear
ing
diff
icul
ties,
hy
pera
ctiv
-ity
, att
entio
n de
ficit
diso
r-de
r, sp
eech
th
erap
y an
d de
velo
pmen
-ta
l, so
cial
or
beha
viou
ral
prob
lem
s an
d he
arin
g te
sts
x) N
on-m
ed-
ical
/ na
tura
l de
gene
rativ
e ey
e de
fect
s,
incl
udin
g bu
t no
t lim
ited
to
Myo
pia,
Pre
s-by
opia
and
as
tigm
atis
m
and
any
cor-
rect
ive
surg
ery
) Tr
eatm
ent
and
inve
stig
a-tio
n of
deg
en-
erat
ive
med
i-ca
l con
ditio
ns
s Pa
rkin
son’
s di
seas
e, A
l-zh
eim
er’s
dis
-ea
se, v
esic
ular
aa)
Hom
e vi
s-its
by
a m
edi-
cal P
ract
itio-
ner,
spec
ialis
t or
nur
se.
bb)
Att
empt
-ed
sui
cide
and
or
any
wilf
ul
self
infli
cted
m
edic
al c
on-
ditio
n cc
) Tr
eatm
ent
of o
besi
ty,
com
puls
ive
or a
ddic
tive
eatin
g di
sor-
ders
, spe
cial
di
et, w
eigh
t co
ntro
l, ch
il-dr
en’s
food
, ba
by s
uppl
ies,
vi
tam
in, m
in-
eral
or
orga
nic
supp
lem
ent
s. d
d) D
enta
l tr
eatm
ent
and
surg
ery
incl
udin
g bu
t no
t lim
ited
to
dent
ures
, fal
se
teet
h an
d or
or
thod
ontic
tr
eatm
ents
,
HE
AL
TH
MA
NA
GE
ME
NT
OR
GA
NIS
AT
ION
S P
RO
DU
CT
S C
ON
T’D
....
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
80 www.ira.go.ug
dise
ases
like
at
hero
scle
ro-
sis,
ost
eopo
-ro
sis,
spi
nal
dise
ases
. y)
Vac
cina
-tio
ns a
nd
prev
enta
tive
trea
tmen
t. z)
Adm
is-
sion
and
Out
pa
tient
trea
t-m
ent i
nclu
d-in
g dr
ugs
and
trea
tmen
t for
Ps
ychi
atri
c/ps
ycho
logi
cal
cond
ition
s,
rest
cur
es,
stre
ss, a
nxie
ty,
hom
esic
knes
s,
inst
itutio
nal-
izat
ion,
qua
r-an
tine,
san
a-to
rium
car
e,
for p
sych
iatr
ic,
psyc
holo
gica
l an
d ne
urot
ic
cond
ition
s aa
) H
ome
visi
ts
by a
med
ical
Pr
actit
ione
r, sp
ecia
list o
r nu
rse.
sem
i pre
ciou
s or
pre
ciou
s cr
owns
, roo
t ca
nals
, tre
at-
men
t und
er
seda
tion,
un-
less
oth
erw
ise
spec
ified
in
the
mem
bers
be
nefit
s un
der
this
con
trac
t ee
) Su
pply
ing,
m
aint
ain-
ing
or fi
ttin
g an
y in
tern
al
and
exte
rnal
pr
osth
eses
or
appl
ianc
e or
ot
her
equi
p-m
ent m
edic
al
or o
ther
wis
e.
incl
udin
g;
i. tis
sue
im-
plan
ts, s
tent
s,
valv
es
ii. r
enta
l or
purc
hase
of
crut
ches
, w
heel
cha
irs
pros
thet
ics
ff
) C
ompr
e-he
nsiv
e /
spec
ializ
ed
med
ical
ex-
amin
atio
ns
such
as,
but
no
t lim
ited
to
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1781
bb)
Att
empt
-ed
sui
cide
and
or
any
wilf
ul
self
infli
cted
m
edic
al c
on-
ditio
n cc
) Tr
eatm
ent
of o
besi
ty,
com
puls
ive
or a
ddic
tive
eatin
g di
sor-
ders
, spe
cial
di
et, w
eigh
t co
ntro
l, ch
il-dr
en’s
food
, ba
by s
uppl
ies,
vi
tam
in, m
in-
eral
or
orga
nic
supp
lem
ents
. dd
) D
enta
l tr
eatm
ent
and
surg
ery
incl
udin
g bu
t no
t lim
ited
to
dent
ures
, fal
se
teet
h an
d or
or
thod
ontic
tr
eatm
ents
, se
mi p
reci
ous
or p
reci
ous
crow
ns, r
oot
cana
ls, t
reat
-m
ent u
nder
se
datio
n, u
n-le
ss o
ther
wis
e
pre-
empl
oy-
men
t exa
mi-
natio
ns, f
ull
card
iac
wor
k-up
s, p
rost
ate
scre
enin
g,
mam
mo-
gram
s, A
udio
-m
etri
c te
sts
etc
gg)
Spec
ial-
ized
inve
stig
a-tio
ns in
clud
ing
but n
ot li
mite
d to
Mag
netic
Re
sona
nce
Imag
ing
(MRI
), H
SG,
and
Fist
ulo-
gram
. hh
) IA
A w
ill
not c
laim
on
beha
lf of
or
pay
to th
e M
embe
r, ex
pens
es in
-cu
rred
whi
ch
are
reim
burs
-ab
le to
the
Mem
ber
by a
third
pa
rty
- i.e
. W
orkm
en’s
co
mpe
nsat
ion
insu
ranc
e.
HE
AL
TH
MA
NA
GE
ME
NT
OR
GA
NIS
AT
ION
S P
RO
DU
CT
S C
ON
T’D
....
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
82 www.ira.go.ug
spec
ified
in
the
mem
bers
be
nefit
s un
der
this
con
trac
t ee
) Su
pply
ing,
m
aint
ain-
ing
or fi
ttin
g an
y in
tern
al
and
exte
rnal
pr
osth
eses
or
appl
ianc
e or
ot
her
equi
p-m
ent m
edic
al
or o
ther
wis
e.
incl
udin
g;
i. tis
sue
im-
plan
ts, s
tent
s,
valv
es
ii. r
enta
l or
purc
hase
of
crut
ches
, w
heel
cha
irs
pros
thet
ics
ff
) C
ompr
e-he
nsiv
e /
spec
ializ
ed
med
ical
exa
m-
inat
ions
suc
h as
, but
not
lim
ited
to p
re-
empl
oym
ent
exam
ina-
tions
, ful
l car
-di
ac w
orku
ps,
pros
tate
ii) B
uria
l, cr
emat
ion,
or
mor
tuar
y ch
arge
s or
tr
ansp
orta
tion
whe
re d
eath
of
a m
embe
r oc
curs
.
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s a
t 2
0th
Ju
ne
20
1783
scre
enin
g,
mam
mo-
gram
s, A
udio
-m
etri
c te
sts
etc
gg)
Spec
ial-
ized
inve
stig
a-tio
ns in
clud
ing
but n
ot li
mite
d to
Mag
netic
Re
sona
nce
Imag
ing
(MRI
), H
SG,
and
Fist
ulo-
gram
. hh
) IA
A w
ill
not c
laim
on
beha
lf of
or
pay
to th
e M
embe
r, ex
pens
es in
-cu
rred
whi
ch
are
reim
burs
-ab
le to
the
Mem
ber
by a
th
ird p
arty
-
i.e. W
orkm
en’s
co
mpe
nsat
ion
insu
ranc
e.
ii) B
uria
l, cr
emat
ion,
or
mor
tuar
y ch
arge
s or
tr
ansp
orta
tion
whe
re d
eath
of
a m
embe
r oc
curs
.
HE
AL
TH
MA
NA
GE
ME
NT
OR
GA
NIS
AT
ION
S P
RO
DU
CT
S C
ON
T’D
....
The
Uga
nda
Insu
ranc
e In
dust
ry a
t a G
lanc
eP
rod
uct
s P
rofi
le a
s at
20
th J
un
e 2
017
84 www.ira.go.ug
scre
enin
g,
mam
mo-
gram
s, A
udio
-m
etri
c te
sts
etc
gg)
Spec
ial-
ized
inve
stig
a-tio
ns in
clud
ing
but n
ot li
mite
d to
Mag
netic
Re
sona
nce
Imag
ing
(MRI
), H
SG,
and
Fist
ulo-
gram
. hh
) IA
A w
ill
not c
laim
on
beha
lf of
or
pay
to th
e M
embe
r, ex
pens
es in
-cu
rred
whi
ch
are
reim
burs
-ab
le to
the
Mem
ber
by a
th
ird p
arty
-
i.e. W
orkm
en’s
co
mpe
nsat
ion
insu
ranc
e.
ii) B
uria
l, cr
emat
ion,
or
mor
tuar
y ch
arge
s or
tr
ansp
orta
tion
whe
re d
eath
of
a m
embe
r oc
curs
.
CH
AP
TE
R 1
0
CO
NC
LU
SIO
N
Profitable and innovative commercial businesses are ones which provide customers with exactly what they need and want. In competitive markets, such as the insurance market in Uganda, companies must constantly adapt their marketing strategies to stay ahead of its competitors. A key aspect of this is the need to design and develop products that meet customer needs whilst delivering profits.
New product development may involve risk, such as investing time, resources and money in new technologies. Unfortunately, there is no tested alternative to this if the firm has to grow and sustain a significant market share. This is particulary true because individual preferences are not static. As a long-term strategy, it will help the business to develop needs-responsive products if it will have to outperform its competitors and increase its market share.
Morever, marketing which is a central function in any business will only generate results if the right product is delivered at the right price, promoted using the right messages/media and sold in the right place (the 4 Ps). At the core of effective marketing is the requirement to satisfy customers’ needs precisely. The closer the marketing mix of product, price, place and promotion are to customer requirements, the more likely it is that a business will be successful.
The Uganda Insurance Industry at a GlanceProducts Profile as at 20th June 201786
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w.ira.go.ug CONCLUSION
INSURANCE REGULATORY AUTHORITY OF UGANDA[Established under Section 14 of the Insurance Act, (Cap 213) Laws of Uganda, 2000]
Plot 5, Kyadondo Road, Block B 2nd Floor Legacy Towers, P. O. Box 22855, KampalaTel: 256 – 414 – 346712/253564
Fax: 256 – 414 – 349260E-mail: [email protected]
Website: www.ira.go.ug