Funeral Plan

Other situations considered accidents are death as a result of involuntary inhalation of gas or vapour, drowning, mosquito or other animal bites, involuntary infections or poisoning.

It is not considered accident when resulting from:

• Surgery, provided that it was not taken as a result of the accident;
• Voluntary act of the Insurance Holder.

Funeral Plan, contract:

The insurer will pay the insurance amount as per the contract, to cover the death risk incurred by the Insurance Holder as a result of illness or accident as per the policy cover.

Reasons to apply

• Get protection for you and your family to be able to cope with accidents;
• Private protection complements official protection since citizens are not fully protected by the state’s social security systems.

Restrictions/ limitations

• Age not above 65;
• Hold an account with Barclays.

Exclusions:

• War;
• Crimes or similar intentional acts committed by the Insurance Holder;
• Suicide;
• Duel;
• Drunkenness or under influence of alcohol or drugs without medical prescription.

How to apply/ requirements

• Accident certificate or report;
• Birth Certificate or ID or Passport of the Insurance Holder;
• Death Certificate of the Insurance Holder;
• Any other documents requested by the insurer, such as autopsy report.

You can apply for this service at the Barclays branch of your choice.

Glossary:

Insurer - Hollard Seguros, SA. Entity duly authorized to carry out insurance activity and sign a contract with the Policy Holder.

Policy Holder – Person or entity that signed a contract with the Insurer and is responsible for the payment of the premium.

Insured Person – Natural Person pertaining to the Insurable Group, identified in the Individual Certificate, whose risk was accepted by the Insurer, after receipt of the Insurance Proposal under the terms of the General Insurance Conditions.

Beneficiary – Natural or Legal person entitled to receive the guaranteed benefit.

Insurable Group – Group of persons who are customers of Barclays Bank Moçambique.

Policy – Document representing the contract signed between the Insurance Holder and the Insurer, containing the general and specific conditions agreed upon.

Premium or Full Premium – Price paid by the Insurance Holder to the Insurer for the purchase of the service.

Capital – Amount specified in the contract as the maximum limit payable as compensation.

Permanent Disability – Permanent functional limitation as a result of an accident.

Temporary Disability – Temporary physical deprivation of the Insurance Holder’s ability to perform their normal activities.

Prevention – Positive response obtained through procedures aimed at reducing the likeliness of occurrence of an accident or its consequences.

Risk – Likeliness of occurrence of a future unforeseen event with negative consequences.

Accident – An event resulting in damages against people or things.

Incident – The event affecting the insured element and causing the policy cover to be used.