What is Covered?

• 1. This policy covers death or total permanent disability resulting from an Accidental Injury.
• 2. Accidental Injury which shall mean bodily injury caused by accidental, violent, external and visible means and which
  • Directly and independently of all other causes results in death, or permanent disability within 12 calendar months from the date of occurrence of the injury.
  • Includes injury caused by exposure, starvation and thirst.

Who Can be Covered Under this Insurance Policy?

• 1. Citizens of Botswana and Legal Residents of Botswana aged between eighteen (18) to sixty-five (65) years of age.
• 2. Any person not meeting the above criteria who purchases this product may be entitled, at the most, to a return of any premium paid during the period that they did not meet the criteria.

Specific Definitions

• 1. Insured person means any person who, following the processes outlined on the “Instant Insurance Activation Card’’ included in this package, successfully activates the policy, and receives a written acknowledgement from the Company of such activation.
• 2. Permanent disability means:
  • Physical severance or total loss of the use of a limb having lasted twelve (12) consecutive months and at the expiry of that period is beyond hope of improvement; or
  • Irrecoverable loss of all sight in one or both eyes; or
  • Entire and irrecoverable loss of hearing; or
  • Entire and irrecoverable loss of the ability to speak,Which in each case is caused by an Accidental Injury.
• 3. Commencement Date: is defined as the date and time at which the insured following the processes outlined on the “Instant Insurance Activation Card’’ included in this package, successfully activates the policy, and receives a written acknowledgement from the Company of such activation.

Cooling Off Period

• You have thirty (30) days from the date We confirmed, electronically or in writing, that You are covered under Your Policy to decide if the Policy meets Your needs. You may cancel Your Policy simply by advising Us in writing within those thirty (30) days to cancel it. If You do this, We will refund any premiums You have paid during this period. These cooling off rights do not apply if You have made or You are entitled to make a claim during this period.

What is Payable?

• 1. In the event of Accidental Injury to any insured person the company will pay the amount of compensation as stated in the table of benefits to the insured person or their estate.
• 2. The company will not be liable to pay more than the death or permanent disability benefit (whichever is the higher) under any circumstances.
• 3. The company will only pay a death benefit where a death certificate or a certified copy of a death certificate, issued by a competent authority is provided by the estate of the insured.

What’s Not Covered

The company will not be liable to pay benefit in respect of:

• Accidental Injury
  • 1. Arising after the insured person attains the age of 65 years.
  • 2. Caused by an insured person being insane or under the influence of alcohol or drugs (unless prescribed by and taken in accordance with the directions of or administered by a licensed member of the medical profession other than themselves), committing suicide or any act of intentional self-injury, intentional self-exposure to unnecessary danger, venereal disease or in the case of a female by child bearing or sequelae thereof or other causes peculiar to the female sex.
  • 3. Arising whilst the insured person is:
  • Travelling by air except as a passenger in any aircraft fully licensed for the carriage of passengers provided that the insured person is not acting as a member of the aircraft crew nor flying for the purpose of any trade or technical operation connected with the aircraft in which they are travelling.
  • Engaging in :
    • Motor cycling (whether as driver or passenger).
    • Macing of any kind involving the use of any power driven vehicle, vessel, aircraft or pedal cycle.
    • Steeple chasing, polo, winter sports (involving snow or ice), mountaineering necessitating the use of ropes.
    • Professional sportsmen or sports teams of any kind.
    • Any sport or pastime involving exceptional risk of accident.
  • 4. Directly or indirectly caused by or related to or in consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, mutiny, insurrection, rebellion, revolution, military or usurped power.
  • 5. In addition, Alpha Direct will not recognise any claim which is directly or indirectly caused by, or attributable to:
    • Suicide within the first 12 months of the applicable cover under the policy by any insured.
    • War
    • Invasion
    • Act of foreign enemy