DescriptionThis insurance policy provides financial protection to the insured in the event of an accident resulting in disability or accidental death.

Risks Covered

Accidental Death
The insurer will pay the full sum insured to the named beneficiary(ies) if the insured dies as a result of an accident.

Accidental Medical & Surgical Coverage

Permanent Total Disablement
If the insured suffers a permanent disability from an accident that persists for at least one month, compensation of up to the full sum insured will be paid, based on the benefit schedule below.

Temporary Total Disablement
If the insured suffers a temporary partial disability due to an accident, a percentage of the sum insured will be paid based on the affected body part, as outlined in the schedule below.

Natural Death
If the insured passes away due to natural causes (such as illness or old age) and not from accident or violence, the insurer will provide a benefit to the beneficiary(ies).

Benefits

Premium: Refer to attached schedule

Capital Sum Insured: Refer to attached schedule

Accidental Medical Expense: Refer to attached schedule

Natural Death Benefit: Refer to attached schedule

See Premium and Benefit Schedule for full details.

Schedule of Compensation

Note: "Loss" includes total loss of use of the body part.

Exclusions

The policy does not cover losses or injuries resulting from the following:

War, invasion, foreign enemy actions, civil war, rebellion, revolution, insurrection, or military power.

Participation in military or air force operations, extreme sports (e.g., mountaineering, potholing, parachuting), motorcycle racing (except mopeds), or unauthorized air travel.

Suicide, attempted suicide, or self-inflicted injuries, including mental insanity.

Deliberate exposure to danger (unless in an effort to save a life), or criminal acts by the insured.

Being under the influence of drugs or alcohol.

Medical and surgical treatment for sicknesses such as venereal diseases or malaria.

Any other exclusions as may be stated in the full policy document.

ICA Orange Personal Accident policy ( Natural Death Extension)

Below is the premium and benefit package:

Definition of Cover:

  Terms and Conditions

Cover

This policy protects the subscriber and a designated family member against death and total permanent disability. The insurance begins on the day of the initial subscription with a waiting period of 30 days after first premium is paid.

Premium payments

Every month, your premium is deducted from your Orange MOMO wallet. You are covered as long as your monthly premiums are paid on time.

Eligibility

Subscribers must be between the ages of 18 and 55, and a designated family member must be between the ages of 18 and 55. You must be in good health and a resident of Liberia at the time of sign up.

Waiting period

Your insurance has a one-month (30-days) grace period within which no benefits will be paid.

Missed payment

Your policy will become inactive and you will forfeit your benefit if you miss two (2) consecutive monthly premium payments.

Claiming your benefit

The following documents are required to claim your benefit:

1. National ID
2. Medical report stating the cause of death
3. Official death certificate from the ministry of health

ICA Orange Personal Accident policy ( Natural Death Extension)

Below is the premium and benefit package:

Definition of Cover:

  Terms and Conditions

Cover

This policy protects the subscriber and a designated family member against death and total permanent disability. The insurance begins on the day of the initial subscription with a waiting period of 30 days after first premium is paid.

Premium payments

Every month, your premium is deducted from your Orange MOMO wallet. You are covered as long as your monthly premiums are paid on time.

Eligibility

Subscribers must be between the ages of 18 and 55, and a designated family member must be between the ages of 18 and 55. You must be in good health and a resident of Liberia at the time of sign up.

Waiting period

Your insurance has a one-month (30-days) grace period within which no benefits will be paid.

Missed payment

Your policy will become inactive and you will forfeit your benefit if you miss two (2) consecutive monthly premium payments.

Claiming your benefit

The following documents are required to claim your benefit:

1. National ID
2. Medical report stating the cause of death
3. Official death certificate from the ministry of health

ICA Orange Personal Accident policy ( Natural Death Extension)

Below is the premium and benefit package:

Definition of Cover:

  Terms and Conditions

Cover

This policy protects the subscriber and a designated family member against death and total permanent disability. The insurance begins on the day of the initial subscription with a waiting period of 30 days after first premium is paid.

Premium payments

Every month, your premium is deducted from your Orange MOMO wallet. You are covered as long as your monthly premiums are paid on time.

Eligibility

Subscribers must be between the ages of 18 and 55, and a designated family member must be between the ages of 18 and 55. You must be in good health and a resident of Liberia at the time of sign up.

Waiting period

Your insurance has a one-month (30-days) grace period within which no benefits will be paid.

Missed payment

Your policy will become inactive and you will forfeit your benefit if you miss two (2) consecutive monthly premium payments.

Claiming your benefit

The following documents are required to claim your benefit:

1. National ID
2. Medical report stating the cause of death
3. Official death certificate from the ministry of health

ICA Orange Health Insurance (Out Patient Service benefit only)

What information are required for admission?

·Subscribers must be between ages 18 to 55 and the same applies for family member that may want to enroll into this program.

·You must both be in good health and a resident in Liberia at the time of premium payment.

Definition of cover

Single : only policyholder

Joint : policyholder plus family member

Family : policyholder plus spouse plus up to three (3) children

 Family + : policyholder + Spouse + up to 6 children

Exclusions

1.HIV & AIDS.

2.Sexually Transmitted Disease.

3.Self-Inflicted Injuries or Injuries caused to your person by others for which they are liable.

4.Routine Medical Examination.

5.Others spelt out in the policy.

ICA Orange Health Insurance (Out Patient Service benefit only)

What information are required for admission?

·Subscribers must be between ages 18 to 55 and the same applies for family member that may want to enroll into this program.

·You must both be in good health and a resident in Liberia at the time of premium payment.

Definition of cover

Single : only policyholder

Joint : policyholder plus family member

Family : policyholder plus spouse plus up to three (3) children

 Family + : policyholder + Spouse + up to 6 children

Exclusions

1.HIV & AIDS.

2.Sexually Transmitted Disease.

3.Self-Inflicted Injuries or Injuries caused to your person by others for which they are liable.

4.Routine Medical Examination.

5.Others spelt out in the policy.

ICA Orange Health Insurance (Out Patient Service benefit only)

What information are required for admission?

·Subscribers must be between ages 18 to 55 and the same applies for family member that may want to enroll into this program.

·You must both be in good health and a resident in Liberia at the time of premium payment.

Definition of cover

Single : only policyholder

Joint : policyholder plus family member

Family : policyholder plus spouse plus up to three (3) children

 Family + : policyholder + Spouse + up to 6 children

Exclusions

1.HIV & AIDS.

2.Sexually Transmitted Disease.

3.Self-Inflicted Injuries or Injuries caused to your person by others for which they are liable.

4.Routine Medical Examination.

5.Others spelt out in the policy.

ICA Orange Health Insurance (Out Patient Service benefit only)

What information are required for admission?

·Subscribers must be between ages 18 to 55 and the same applies for family member that may want to enroll into this program.

·You must both be in good health and a resident in Liberia at the time of premium payment.

Definition of cover

Single : only policyholder

Joint : policyholder plus family member

Family : policyholder plus spouse plus up to three (3) children

 Family + : policyholder + Spouse + up to 6 children

Exclusions

1.HIV & AIDS.

2.Sexually Transmitted Disease.

3.Self-Inflicted Injuries or Injuries caused to your person by others for which they are liable.

4.Routine Medical Examination.

5.Others spelt out in the policy.

ICA Orange Health Insurance (Out Patient Service benefit only)

What information are required for admission?

·Subscribers must be between ages 18 to 55 and the same applies for family member that may want to enroll into this program.

·You must both be in good health and a resident in Liberia at the time of premium payment.

Definition of cover

Single : only policyholder

Joint : policyholder plus family member

Family : policyholder plus spouse plus up to three (3) children

 Family + : policyholder + Spouse + up to 6 children

Exclusions

1.HIV & AIDS.

2.Sexually Transmitted Disease.

3.Self-Inflicted Injuries or Injuries caused to your person by others for which they are liable.

4.Routine Medical Examination.

5.Others spelt out in the policy.

ICA Orange Health Insurance (Out Patient Service benefit only)

What information are required for admission?

·Subscribers must be between ages 18 to 55 and the same applies for family member that may want to enroll into this program.

·You must both be in good health and a resident in Liberia at the time of premium payment.

Definition of cover

Single : only policyholder

Joint : policyholder plus family member

Family : policyholder plus spouse plus up to three (3) children

 Family + : policyholder + Spouse + up to 6 children

Exclusions

1.HIV & AIDS.

2.Sexually Transmitted Disease.

3.Self-Inflicted Injuries or Injuries caused to your person by others for which they are liable.

4.Routine Medical Examination.

5.Others spelt out in the policy.

ICA Orange Health Insurance (Out Patient Service benefit only)

What information are required for admission?

·Subscribers must be between ages 18 to 55 and the same applies for family member that may want to enroll into this program.

·You must both be in good health and a resident in Liberia at the time of premium payment.

Definition of cover

Single : only policyholder

Joint : policyholder plus family member

Family : policyholder plus spouse plus up to three (3) children

 Family + : policyholder + Spouse + up to 6 children

Exclusions

1.HIV & AIDS.

2.Sexually Transmitted Disease.

3.Self-Inflicted Injuries or Injuries caused to your person by others for which they are liable.

4.Routine Medical Examination.

5.Others spelt out in the policy.

ICA Orange Health Insurance (Out Patient Service benefit only)

What information are required for admission?

·Subscribers must be between ages 18 to 55 and the same applies for family member that may want to enroll into this program.

·You must both be in good health and a resident in Liberia at the time of premium payment.

Definition of cover

Single : only policyholder

Joint : policyholder plus family member

Family : policyholder plus spouse plus up to three (3) children

 Family + : policyholder + Spouse + up to 6 children

Exclusions

1.HIV & AIDS.

2.Sexually Transmitted Disease.

3.Self-Inflicted Injuries or Injuries caused to your person by others for which they are liable.

4.Routine Medical Examination.

5.Others spelt out in the policy.

ICA Orange Health Insurance (Out Patient Service benefit only)

What information are required for admission?

·Subscribers must be between ages 18 to 55 and the same applies for family member that may want to enroll into this program.

·You must both be in good health and a resident in Liberia at the time of premium payment.

Definition of cover

Single : only policyholder

Joint : policyholder plus family member

Family : policyholder plus spouse plus up to three (3) children

 Family + : policyholder + Spouse + up to 6 children

Exclusions

1.HIV & AIDS.

2.Sexually Transmitted Disease.

3.Self-Inflicted Injuries or Injuries caused to your person by others for which they are liable.

4.Routine Medical Examination.

5.Others spelt out in the policy.

ICA Orange Health Insurance (Out Patient Service benefit only)

What information are required for admission?

·Subscribers must be between ages 18 to 55 and the same applies for family member that may want to enroll into this program.

·You must both be in good health and a resident in Liberia at the time of premium payment.

Definition of cover

Single : only policyholder

Joint : policyholder plus family member

Family : policyholder plus spouse plus up to three (3) children

 Family + : policyholder + Spouse + up to 6 children

Exclusions

1.HIV & AIDS.

2.Sexually Transmitted Disease.

3.Self-Inflicted Injuries or Injuries caused to your person by others for which they are liable.

4.Routine Medical Examination.

5.Others spelt out in the policy.

ICA Orange Health Insurance (Out Patient Service benefit only)

What information are required for admission?

·Subscribers must be between ages 18 to 55 and the same applies for family member that may want to enroll into this program.

·You must both be in good health and a resident in Liberia at the time of premium payment.

Definition of cover

Single : only policyholder

Joint : policyholder plus family member

Family : policyholder plus spouse plus up to three (3) children

 Family + : policyholder + Spouse + up to 6 children

Exclusions

1.HIV & AIDS.

2.Sexually Transmitted Disease.

3.Self-Inflicted Injuries or Injuries caused to your person by others for which they are liable.

4.Routine Medical Examination.

5.Others spelt out in the policy.

ICA Orange Health Insurance (Out Patient Service benefit only)

What information are required for admission?

·Subscribers must be between ages 18 to 55 and the same applies for family member that may want to enroll into this program.

·You must both be in good health and a resident in Liberia at the time of premium payment.

Definition of cover

Single : only policyholder

Joint : policyholder plus family member

Family : policyholder plus spouse plus up to three (3) children

 Family + : policyholder + Spouse + up to 6 children

Exclusions

1.HIV & AIDS.

2.Sexually Transmitted Disease.

3.Self-Inflicted Injuries or Injuries caused to your person by others for which they are liable.

4.Routine Medical Examination.

5.Others spelt out in the policy.

ICA Orange Health Insurance (Out Patient Service benefit only)

What information are required for admission?

·Subscribers must be between ages 18 to 55 and the same applies for family member that may want to enroll into this program.

·You must both be in good health and a resident in Liberia at the time of premium payment.

Definition of cover

Single : only policyholder

Joint : policyholder plus family member

Family : policyholder plus spouse plus up to three (3) children

 Family + : policyholder + Spouse + up to 6 children

Exclusions

1.HIV & AIDS.

2.Sexually Transmitted Disease.

3.Self-Inflicted Injuries or Injuries caused to your person by others for which they are liable.

4.Routine Medical Examination.

5.Others spelt out in the policy.

ICA Orange Health Insurance (Out Patient Service benefit only)

What information are required for admission?

·Subscribers must be between ages 18 to 55 and the same applies for family member that may want to enroll into this program.

·You must both be in good health and a resident in Liberia at the time of premium payment.

Definition of cover

Single : only policyholder

Joint : policyholder plus family member

Family : policyholder plus spouse plus up to three (3) children

 Family + : policyholder + Spouse + up to 6 children

Exclusions

1.HIV & AIDS.

2.Sexually Transmitted Disease.

3.Self-Inflicted Injuries or Injuries caused to your person by others for which they are liable.

4.Routine Medical Examination.

5.Others spelt out in the policy.

ICA Orange Health Insurance (Out Patient Service benefit only)

What information are required for admission?

·Subscribers must be between ages 18 to 55 and the same applies for family member that may want to enroll into this program.

·You must both be in good health and a resident in Liberia at the time of premium payment.

Definition of cover

Single : only policyholder

Joint : policyholder plus family member

Family : policyholder plus spouse plus up to three (3) children

 Family + : policyholder + Spouse + up to 6 children

Exclusions

1.HIV & AIDS.

2.Sexually Transmitted Disease.

3.Self-Inflicted Injuries or Injuries caused to your person by others for which they are liable.

4.Routine Medical Examination.

5.Others spelt out in the policy.

ICA Orange Health Insurance (Out Patient Service benefit only)

What information are required for admission?

·Subscribers must be between ages 18 to 55 and the same applies for family member that may want to enroll into this program.

·You must both be in good health and a resident in Liberia at the time of premium payment.

Definition of cover

Single : only policyholder

Joint : policyholder plus family member

Family : policyholder plus spouse plus up to three (3) children

 Family + : policyholder + Spouse + up to 6 children

Exclusions

1.HIV & AIDS.

2.Sexually Transmitted Disease.

3.Self-Inflicted Injuries or Injuries caused to your person by others for which they are liable.

4.Routine Medical Examination.

5.Others spelt out in the policy.

DescriptionThis insurance policy provides financial protection to the insured in the event of an accident resulting in disability or accidental death.

Risks Covered

Accidental Death
The insurer will pay the full sum insured to the named beneficiary(ies) if the insured dies as a result of an accident.

Accidental Medical & Surgical Coverage

Permanent Total Disablement
If the insured suffers a permanent disability from an accident that persists for at least one month, compensation of up to the full sum insured will be paid, based on the benefit schedule below.

Temporary Total Disablement
If the insured suffers a temporary partial disability due to an accident, a percentage of the sum insured will be paid based on the affected body part, as outlined in the schedule below.

Natural Death
If the insured passes away due to natural causes (such as illness or old age) and not from accident or violence, the insurer will provide a benefit to the beneficiary(ies).

Benefits

Premium: Refer to attached schedule

Capital Sum Insured: Refer to attached schedule

Accidental Medical Expense: Refer to attached schedule

Natural Death Benefit: Refer to attached schedule

See Premium and Benefit Schedule for full details.

Schedule of Compensation

Note: "Loss" includes total loss of use of the body part.

Exclusions

The policy does not cover losses or injuries resulting from the following:

War, invasion, foreign enemy actions, civil war, rebellion, revolution, insurrection, or military power.

Participation in military or air force operations, extreme sports (e.g., mountaineering, potholing, parachuting), motorcycle racing (except mopeds), or unauthorized air travel.

Suicide, attempted suicide, or self-inflicted injuries, including mental insanity.

Deliberate exposure to danger (unless in an effort to save a life), or criminal acts by the insured.

Being under the influence of drugs or alcohol.

Medical and surgical treatment for sicknesses such as venereal diseases or malaria.

Any other exclusions as may be stated in the full policy document.

ICA Orange Personal Accident policy ( Natural Death Extension)

Below is the premium and benefit package:

Definition of Cover:

  Terms and Conditions

Cover

This policy protects the subscriber and a designated family member against death and total permanent disability. The insurance begins on the day of the initial subscription with a waiting period of 30 days after first premium is paid.

Premium payments

Every month, your premium is deducted from your Orange MOMO wallet. You are covered as long as your monthly premiums are paid on time.

Eligibility

Subscribers must be between the ages of 18 and 55, and a designated family member must be between the ages of 18 and 55. You must be in good health and a resident of Liberia at the time of sign up.

Waiting period

Your insurance has a one-month (30-days) grace period within which no benefits will be paid.

Missed payment

Your policy will become inactive and you will forfeit your benefit if you miss two (2) consecutive monthly premium payments.

Claiming your benefit

The following documents are required to claim your benefit:

1. National ID
2. Medical report stating the cause of death
3. Official death certificate from the ministry of health

DescriptionThis insurance policy provides financial protection to the insured in the event of an accident resulting in disability or accidental death.

Risks Covered

Accidental Death
The insurer will pay the full sum insured to the named beneficiary(ies) if the insured dies as a result of an accident.

Accidental Medical & Surgical Coverage

Permanent Total Disablement
If the insured suffers a permanent disability from an accident that persists for at least one month, compensation of up to the full sum insured will be paid, based on the benefit schedule below.

Temporary Total Disablement
If the insured suffers a temporary partial disability due to an accident, a percentage of the sum insured will be paid based on the affected body part, as outlined in the schedule below.

Natural Death
If the insured passes away due to natural causes (such as illness or old age) and not from accident or violence, the insurer will provide a benefit to the beneficiary(ies).

Benefits

Premium: Refer to attached schedule

Capital Sum Insured: Refer to attached schedule

Accidental Medical Expense: Refer to attached schedule

Natural Death Benefit: Refer to attached schedule

See Premium and Benefit Schedule for full details.

Schedule of Compensation

Note: "Loss" includes total loss of use of the body part.

Exclusions

The policy does not cover losses or injuries resulting from the following:

War, invasion, foreign enemy actions, civil war, rebellion, revolution, insurrection, or military power.

Participation in military or air force operations, extreme sports (e.g., mountaineering, potholing, parachuting), motorcycle racing (except mopeds), or unauthorized air travel.

Suicide, attempted suicide, or self-inflicted injuries, including mental insanity.

Deliberate exposure to danger (unless in an effort to save a life), or criminal acts by the insured.

Being under the influence of drugs or alcohol.

Medical and surgical treatment for sicknesses such as venereal diseases or malaria.

Any other exclusions as may be stated in the full policy document.

DescriptionThis insurance policy provides financial protection to the insured in the event of an accident resulting in disability or accidental death.

Risks Covered

Accidental Death
The insurer will pay the full sum insured to the named beneficiary(ies) if the insured dies as a result of an accident.

Accidental Medical & Surgical Coverage

Permanent Total Disablement
If the insured suffers a permanent disability from an accident that persists for at least one month, compensation of up to the full sum insured will be paid, based on the benefit schedule below.

Temporary Total Disablement
If the insured suffers a temporary partial disability due to an accident, a percentage of the sum insured will be paid based on the affected body part, as outlined in the schedule below.

Natural Death
If the insured passes away due to natural causes (such as illness or old age) and not from accident or violence, the insurer will provide a benefit to the beneficiary(ies).

Benefits

Premium: Refer to attached schedule

Capital Sum Insured: Refer to attached schedule

Accidental Medical Expense: Refer to attached schedule

Natural Death Benefit: Refer to attached schedule

See Premium and Benefit Schedule for full details.

Schedule of Compensation

Note: "Loss" includes total loss of use of the body part.

Exclusions

The policy does not cover losses or injuries resulting from the following:

War, invasion, foreign enemy actions, civil war, rebellion, revolution, insurrection, or military power.

Participation in military or air force operations, extreme sports (e.g., mountaineering, potholing, parachuting), motorcycle racing (except mopeds), or unauthorized air travel.

Suicide, attempted suicide, or self-inflicted injuries, including mental insanity.

Deliberate exposure to danger (unless in an effort to save a life), or criminal acts by the insured.

Being under the influence of drugs or alcohol.

Medical and surgical treatment for sicknesses such as venereal diseases or malaria.

Any other exclusions as may be stated in the full policy document.