Personal Accident Protector Plan

At Standard Chartered Bank, we are committed to helping our clients provide the best opportunities in life for their families to thrive. That’s why we offer you the Educare Education Plan, which works to secure the future of your family .The solution doesn’t just give your children a head start in life, it helps maintain your legacy of success.

Main Benefits

  • Accidental Death cover
  • Temporary Total Disability cover
  • Permanent Total Disability cover
  • Funeral cover

Other Benefits

  • Premium Cash Back Benefit

Optional Benefits

Accidental Medical Expenses Reimbursement

Eligibility for Life Assured/Spouse

Minimum Age at Entry- 18Yrs

Maximum Age at Entry- 61Yrs

BENEFITS UNIT 1 Kshs. UNIT 2 Kshs. UNIT 3 Kshs. UNIT 4 Kshs.
Accidental Death 2,000,000 4,000,000 6,000,000 10,000,000
Permanent Total Disability Benefit 2,000,000 4,000,000 6,000,000 10,000,000
Temporary Total Disability Benefit 15000 20000 25,000 30,000
Funeral cover 37000 57,000 78,000 100,000
Monthly Premium
Age 18-30 800 1,500 2,200 3,400
Age 31-49 900 1,700 2,500 3,900
Age 50-61 1,000 1,900 2,800 4,400
Policy Fee 75 75 75 75
Annual Premium
Age 18-30 8,600 16,400 23,400 37,000
Age 31-49 9,600 18,400 26,400 42,000
Age 50-61 10,600 20,400 29,400 47,000
Policy Fee 275 275 275 275
Optional Benefit
Accident Medical Expenses 175,000 220,000 285,000 375,000
Monthly Premium 90 110 145 190
Annual Premium 970 1,215 1,600 2,070
How it works: If you were to take a sum assured of Kshs 1,000,000, the benefits will be payable as follows
Accidental Death Benefit The company will pay the principal sum if injury results in loss of an insured life. Such a loss will have occurred within 90 days after the date of accident. The cause of death will be independent of all causes and directly as a result of an accident.
Permanent Total Disability Benefit In the event of the life assured becoming permanently disabled following an accident, the company will pay a percentage of the sum assured for losses resulting from the injury. Permanently disablement should have occurred within 90 days after date of accident causing injury. Benefit payable is subject to a maximum of the sum assured.
Temporary Total Disability Benefit In the event of the life assured becoming temporary disabled following an accident, the company will pay a defined weekly benefit for the period of the injury subject to a maximum sum assured and for a maximum of 104 weeks. Injury should have occurred within 90 days after date of accident causing injury. Pays up to 80% of actual loss of income within the maximum per level of cover to encourage one to go back to normal income earning activities.
Funeral Cover Funeral expenses shall become payable upon proof of death of the insured from accidental cause. Claims are payable within 48hours after receipt of full documentation by the insurer.
Accidental Medical Expenses Reimbursement Benefit This will be paid if an injury after an accident results in the need to seek medical treatment within 90 days after the date of the accident. This is an optional benefit at an additional premium. Total Benefits payable is subject to a maximum of the selected benefit level.
Waiver of Premium Where the main life assured is temporarily disabled as a result of an accident, payment of premium shall be waived for a maximum period of 90days.If no premium is received on expiry of 90days the policy will terminate.
Premium Cash Back For every three years that the policy shall be in force, the company will pay back to the insured an amount equivalent to 10% of the premium paid less the policy fee and policyholder’s compensation levy of 0.25% of the premium subject to the following
-No claim during the last three years
-The policy must be in forcE
-All premiums due must have been paid.
Free Look Period The customer has the right to review the policy within 30 days and if not satisfied, they have a right to a return of full premium paid.

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