Protecting the things that Matter

........ refers to benefits which can either be inclusive, additional or optional

• Reinstatement

• Exclusions

• Eligibility

• Total Cover

....... refers to who can be covered under your policy and for how much

• Eligibility

• Waiting Period

• Lapses

• Other Considerations

....... refers to the amount of time an insured person(s) must wait while paying premium before a claim will be covered.

• Lapses

• Waiting Period

• Total Cover

• Reinstatement

When you are no longer covered because of missed premiums, your policy is said to have ........

• Lapsed

• Reinstated

• Exclusions

• Other Consideration

.... refers to conditions under which claims will not be paid

• Exclusions

• Eligibility

• Waiting Period

• Lapses

If your policy has lapsed, what must you do to reactivate your policy?

• Reinstatement

• The Claims Process

• Exclusions

• Total Cover

Under-Insuring will result in ..... during a claim

• Application of Rule of Average

• Application of Excess

• Application of No-Claim Bonus

• Application of Ex-gratia payment

................ is the process where an insurer will place you back where you were before a loss.

• Act of God

• Indemnity

• Cash Back Bonus

• Declaration

.................. is something that is caused by nature

• Arbitration

• Act of God

• Betterment

• Claims

If you do not make claims over a period of time, the Insurer may reward you with...

• No-Claim Bonus

• Cash Back

• Ex gratia Payment

• Excess Amount