:.. ALICO-AIG [American Life Insurance Company Pakistan] Limitted ..:

Personal Accident Plans
My Child

In today’s fast paced world we are at a greater risk of losing our most important asset in life: our ability to earn an income. Should we lose this ability, it will not only affect us but our loved ones too who depend upon us for daily financial support. So what you need today is the My Child policy. This policy offers you carefree worldwide protection that covers financial loss resulting from the twin perils of death or major disability happening to you or any accident happening to your child. This policy provides nine ways protection culminating with Education Allowance for your child for upto ten(10) years in case of your accidental death or major disability

SHEDULE OF BENEFITS

Benefits	v	Amount of Cover
Benefits A	Dismemberment, Loss of Sight and Hearing Indemnity	Rs. 500,000
Benefits B	Double Indemnity for Dismemberment, Loss of Sight and Hearing Indemnity during School Time	Rs. 1,000,000
Benefits C	Accident Medical Expenses Reimbursement per accident while	Rs. 10,000
Benefits D	Double Accident Medical Expanse Reimbursement while confined in Intensive Care Unit (ICU)	Rs. 20,000
Benefits E	Monthly Catastrophe Cash Benefit (in case of Permanent Total Disability) for 240 months	Rs. 2,500
Benefits F	Daily Accident Hospital Income Benefit	Rs. 300
Benefits G	Double Indemnity Daily Accident Hospital Income Benefit while confined in Intensive Care Unit (ICU)	Rs. 600
Benefits H	Educational Allowance to the child (for 10 years in case of Owner's Accidental Death or Permanent Total Disability)	Rs. 50,000/year
Benefits I	Waiver of Premium(The Premium shown below while be waved in case of Accidental or Permanent Total Disability of the Owner	Rs. Included
PREMIUM PER UNIT Rs. 1,855

EXCEPTIONS

Cancer is a leading cause of death worldwide.

This Policy does not cover any loss or expenses caused by or resulting from:

1- Intentionally self-inflicted injury, suicide or any attetmpt there at while sane or insane;

2- War, invasion, act of foreign enemy, hostilities or war-like operations (whether war be declared or not), mutiny, riot, civil commotion, strike, civil war, rebellion, revolution, terrorism act, murder, assault, shelling, sniping, ambushes, and all acts of similar nature; or any period the Insured/ Owner is serving in the Armed Forces of any country, whether in peace or war;

3- Any claim, if at the time of claim, the Owner Insured had been diagnosed as having AIDS (Acquired Immune Deficiency Syndrome), ARC (AIDS Related Complex) or having any positive antibody blood test to HIV Human Immune Virus);

4- Congenital anomalies and conditions arising out of or resulting there from;

5- Pregnancy, miscarriage, childbirth,

6- Any Bodily Injury which shall result in hernia;

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