DRIVERS INSURANCE POLICY

“WHEREAS the Insured (specifically a registered person in possession of an authentic & valid United Republic of Tanzania official driving licence) by a proposal and declaration which shall be the basis of this contract and is deemed to be incorporated herein has applied to Milembe Insurance Company Ltd (hereinafter called “the Company”) for the insurance hereinafter contained and has completely paid or agreed to fully pay the Premium as consideration for such insurance. The insured also understands failure to pay premium will cause this insurance to be invalid.

NOW THIS POLICY WITNESSES & RECOGNIZES: That in respect of events occurring during the Period of Insurance and subject to the terms, provisos, exceptions, and conditions contained herein or endorsed hereon (hereinafter collectively referred to as the Terms of this Policy), the Company will pay to the Insured the Amount of Compensation Payable in respect of the Events stated in the Schedule of Benefits and policy in totality , if the Insured shall suffer debilitating bodily injury or death caused solely and directly by accidental violent external and verified visible reasons. In this policy, Accident is to be understood as a single event that results in bodily injury that is both unexpected and undesired by an insured person, however it does not include any event that results in sickness or disease.

SECTION I – PROVISOS

SECTION I – INSURANCE FOR A LICENSED MOTOR VEHICLE DRIVER’S INTERESTS

The Company will indemnify the Insured against inability to &/or loss of income earning opportunity from having suffered physical disabilities and or loss of life due to

Being a driver of a motor vehicle involved in an accident officially witnessed by the Police by
1. collision, &/or overturning or.
2. fighting &/or resisting a motor vehicle theft or robbery
3. iii) causes of fire, external explosion, self-ignition or lightning

being a passenger in one of any registered transportation modes namely, road vehicle, train, airplane, ship that has been involved in an officially documented accident.

The Insured shall be entitled to compensation of maximum two (2) types of bodily injury benefits resulting from the same accident or disability period namely Medical Expenses and any of either temporary total disability, permanent disability, or death. This is subject to death happening within a year of the accident. Similarly, injury or disability becomes apparent within a year of the accident. No further liability to compensate under this policy shall bind the Company after a claim of one of the mentioned benefits has been submitted and concluded payable.

The insured shall be entitled to weekly compensation as stated on the covernote subject to the company having ascertained, agreed, and being provided hospital doctor’s final official written medical decision on insured’s surgery &/or remedial medical treatment fate. Weekly compensation shall thereafter become payable for insured while hospitalized as inpatient for a maximum of 104 calendar weeks subject to medical advice. If discharged & be confirmed as outpatient weekly compensation will be for a maximum of 8 calendar weeks from the official hospital discharge date within the cumulative 104 weeks limit.

Permanent Disability and Death :

In the event of verified Permanent Disability or Death the maximum compensation amount paid will be the percentage (%) of total sum insured apportioned for death or permanent disability type mentioned in the policy or covernote deduct total weekly benefits paid.

In the event of Permanent Disability by physical loss or loss of use not specified in the below schedule the percentage of compensation shall be assessed in proportion to the degree of disability affecting the insured’s ability to execute his or her profession or occupation duties.

When more than one permanent disability arises from one accident the percentages are added together but cannot exceed 100% of the Maximum Benefit or total Insured sum stated in the Schedule of Benefits or covernote.

Other Benefits (Fidia Nyinginezo)

Medical Expenses: Compensation for medical expenses when deservedly due shall be payable while such incapacitation continues up to when the allotted medical expenses compensation amount as per benefits schedule on the covernote has been totally expended. It shall not be payable for more than 104 weeks in all either under one or other of the said benefits or in combination. Dependent upon the company having officially ascertained and approved of its liability and total amount to comkpensate the insured’s medical expenses, the company will refund the insured subject to being provided official Tanzania Revenue Authority (TRA) EFD/VFD tax invoice billed &/or displayed in insured’s name.

Transportation Costs: Conditional on hospital’s doctor written medical advice and approval, provided that the distance is more than 150 kilometres from insured’s usual residence or resident town , the company when necessary will pay for transportation transferring or repatriating – 1(i) the insured admitted as injured in-patient from a hospital to another hospital limit Tshs costs of 1,500,000/= 1(ii) the injured insured on the airplane along with only one (1) designated identified person traveling as insured’s medical aide limit Tshs 1,000,000/=. 1(iii) the insured’s deceased body or mortal remains to approved burial place limit Tshs 1,000,000/=. (2) If the hospital has officially approved in writing requiring the insured to frequently return to the hospital for injury treatment & healing, then transport compensation limit is Tshs 250,000/= if the hospital is less than 150 kilometres from insured’s resident town. Tshs 500,000/= when the distance is more than 150 kilometres. For claiming & reimbursement purpose air ticket boarding, invoice, receipts, ambulance and any other required evidence must be surrendered.

Accommodation Expenses: As a result of an accident where the incapacitated insured requires for more than seven (7) continuous calendar days to be an in-patient at a hospital, which is more than 150 kilometres from the insured’s usual residence or resident town, the company, if necessary, will pay for accommodation costs up to a totaling maximum amount of Tshs 3,000,000/= in annual insurance period. Accommodation expenses is specifically for the facilitation of insured’s spouse, children and/or designated companion staying in closer vicinity and care of insured while hospitalized as in-patient.

Funeral Expenses: The company, when necessary, will pay totaling maximum of Tshs 1,000,000/= for funeral expenses where the death of insured is covered by this policy.

Loss of valid Driving Licence &/or Passport: Subject to having no claiming history of mentioned documents in the initial six (6) months of this policy, insured will be eligible for compensation fees of obtaining new driving licence &/or passport lost in an officially police recorded motor vehicle accident. Insured can only claim once for every annual insurance period and proven to have paid annual premium. The company is to compensate by paying directly to the responsible government authority mandated in collecting driving licence &/or passport fees or to the insured.

Renewal of Driving Licence: Subject to having no claiming history in the initial six (6) months of this policy and annual premium paid, insured will be entitled to compensation of official applicable fees amount for his or her impending driving licence renewal.

SECTION II: EXCLUSIONS

This Policy does not cover disability or death of an insured

– (a) Sustained

while being involved in criminal activities.

While an insured being below minimum official age of driving motor vehicle in the United Republic of Tanzania.

while engaged in any sorts of sports activities including racing competition of any mode of transportation.

while being a passenger &/or riding a bicycle
while under the influence of or due wholly or partly to the effects of intoxicating liquor and/or drugs except where drugs are prescribed by a Medical Practitioner or such qualified person

after the end of insurance period during which the Insured completes the 65th year of age unless continuation is sought and officially granted by the Company in writing.

using fraudulent motives and/or acts.

(b) As a result of

suicide or attempted suicide, intentionally self-inflicted injury, mental disease or venereal disease, existing physical defect or disability prior to obtaining this insurance

(a) War invasion act of foreign enemy hostilities or warlike operations (whether war be declared or not) civil war, mutiny, rebellion, revolution, insurrection, military or usurped power

strike, riot or civil commotion

detention, seizure, confiscation, or any attempt thereat,

flood, typhoon, hurricane, volcanic eruption, earthquake or other convulsions of Nature or by any direct or indirect consequences of any of the said occurrences

Any liability which attaches by virtue of an agreement, but which would not have attached in the absence of such agreement.

Any other accident &/or risk that initially ought to be independently insured for;

SECTION III CONDITIONS

Interpretation: This Policy, covernote and the Schedule shall be read together as one contract and any word or expression to which a specific meaning has been attached in any part of this Policy or of the Schedule shall bear such specific meaning wherever it may appear.

Written Notice: Every notice or communication to be given or made under this Policy must be delivered in writing to the Company. This will be by email and/or official letter.

Notification of Accidents: In the event of any occurrence which may give rise to a bodily injury &/or death claim under this Policy, the Insured is required within 48 hours (2 calendar days) to give notice by email, written letter or phone thereof to the Company with full particulars after the unfortunate event. Insured or his representative unnecessary delay in claim notification beyond one (1) month from the date of suffering bodily injury &/or death may force the company to repudiate the claim. Maximum cooperation of the insured &/or his legal representative when requested is always important in ensuring timely claim processing.

Evidence: All certificates information and evidence required by the Company shall be furnished at the expense of the Insured or his legal personal representatives and shall be in such form and of such nature as the Company may prescribe. The Insured as often as required shall submit to the company progress medical examination report in respect of any claimed bodily injury &/or disability.

Privacy/Private Information: Where necessary the company may need to collect insured’s private information for the primary purpose of providing him or her with suitable insurance products, services, administering the policy, processing and assessing claims, undertaking research analysis and design new insurance products. If the insured does not provide the relevant information, the company may not be able to process the application of a proposal or assess a claim. By providing the information, the insured does consent to the company that whenever necessary the company may disclose the information to other insurers, intermediaries, reinsurers, insurance or credit reference bureaus, company advisers, external claims data collectors and verifiers, banks, government, law enforcement, dispute resolution, statutory or regulatory authorities or as when required by law.

Postmortem: The Company shall in the event of the death of the Insured be entitled to have a post-mortem examination at its own expense.

Renewal ): The Insured when submitting any premium for the renewal of this Policy is required to provide notice in writing to the Company of any physical defect infirmity (bodily injury, disability) or disease by which he/she has suffered or is aware of from the last premium payment date and/or expiry date of previous similar insurance

Cancellation: The Company may cancel this Policy by sending seven days’ notice by written letter; e-mail, SMS or by whatsapp to the Insured at his last known address and in such event will return to the Insured the premium paid less the pro rata portion thereof for the period the policy has been in force or the policy may be cancelled at any time by the Insured on seven days’ notice and (provided no claim has arisen during the current Period of Insurance) the Insured shall be entitled to a return of premium less premium at the company’s Short Period rates for the period the Policy has been in force subject to the Insured surrendering insurance, covernote, policy and receipt of premium.

Insured’s Duty: The due observance and fulfilment of the Terms, Provisos, Exclusions, Conditions of this Policy insofar as they relate to anything to be done or complied with by the Insured and the truth, completeness of the disclosed statements, facts, and answers in the proposal or during insurance coverage shall be conditions precedent to any liability of the Company to make any payment under this Policy.

Representation and Defence: The Company may at its own option
1. Arrange for representation at any inquest or fatal inquiry with regards to insured’s disability &/or death which may be the subject of indemnity under this insurance.
1. Undertake the defence of proceedings in any Court of Law in respect of any act or alleged offence causing or relating to any event, which may be the subject of indemnity under this Section.

Jurisdiction Clause: This insurance shall be governed and construed according to the laws of the United Republic of Tanzania, and only the Tanzanian courts shall have jurisdiction regarding any dispute arising thereafter or the interpretation thereof.

Loss of or Permanent Disablement % of Maximum Benefit Payable

Arm(s) or hand(s) …………..……………………………………………………………..………………………………………………………100%

Leg(s) or foot/feet …………………………………………………………………………..………………………,,,………………………………100%

Sight in both eyes …………..………………………………………..……………………………………………..…………………………………100%

Hearing of both ears………………………………………………………..…………………………………………………………………………100%

Arm/hand or leg/foot & loss of sight both eyes …………..………………………..………………………………………………………100%

Arm/hand or leg/foot & loss of hearing both ears …………..…………………………………………………………………………… 100%

Complete and incurable insanity …………..………………………………………………..………………………………………………100%

Complete and incurable paralysis leg &/or arm …………..……………………………………………………………………………100%

Death …………..………………………………………..…………………………………………………………………………….100%

Complete and irrecoverable, loss of sight in one eye…………..…………………………………………………….50%

Complete and irrecoverable loss of hearing in one ear …………..…………………………………………………….10%

Loss of thumb(s) …………..…………………….………………………………………….20%

Loss of index finger(s)……………….…………………………………………………….15%

Loss of any other finger …………….…………………………………………………….6%

Loss of big toe ……………………..………………………………………………………..5%

Loss of small toe ……………………………………………………………………………3%