Total Cover

TOTAL COVER PRODUCT  is an insurance cover that provides you with both Living and Death benefits when you and your family need them the most.

Alliance’s Living Benefits insurance is designed to assist you when you need it most, particularly if you are diagnosed with a serious illness or have a serious accident. However, if something does occur the last thing you want to be worrying about its finances.

We cover four major events Terminal Illness, Heart Attack, Stroke and Serious Accident. Whilst you may have some support from your employer in the event that you cannot work due to illness, our product provides you with a lump sum benefit so that you can concentrate on your treatment and recovery, not your bills.

Recovery & Death Benefits: There is nothing more important than having time and peace to recover from an illness or an accident. Our recovery benefit is an additional sum that will help you focus on your rehabilitation or in the event that you need to return to your country of origin, your repatriation. The product does not cease if you claim on living benefits. You still have a balance that will be paid in the event of death, until the policy expires.


Under the total cover policy you are provided with following benefits:

Death (min 60% of Sum assured and Max 100%)

  • Serious lllness – Sl (30% of Sum Insured at diagnosis date)
  • Recovery BenehtRBdirectly related to Serious Illness (10% of the total Sum Insured)