HEMENAL LONG TERM LOAN PAYMENT SECURITY LIFE INSURANCE
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1 HEMENAL LONG TERM LOAN PAYMENT SECURITY LIFE INSURANCE Tariff Code: Credit Institution Name: HEMENAL FİNANSMAN A.Ş. Agency Code / Name: Bank Branch Code / Name: / HEMENAL FİNANSMAN A.Ş. Personal Information Insured Policy Owner Cigna Finans Client Number: Full Name: Date of Birth: Turkish ID Number: Address: Phone: Date of Application : Insurance Commencement Date : Total Premium : Premium Payment Method Term of the Insurance : Insurance End Date : : In cash Premium Installment Amount : No early leave deduction is applicable. Insurance Benefits Amount of Coverage Insurance Premium DEATH BENEFIT PERMANENT DISABILITY AFTER ACCIDENT UNEMPLOYMENT / TEMPORARY INCAPACITY / DAILY HOSPITAL Page: 1of 7
2 Beneficiaries Full Name / Trade Name Date of Birth Turkish ID Number Share % Lawful Heirs ( In proportion to their shares in the heritance) Loss Payee: HEMENAL FİNANSMAN A.Ş. The information sheet which includes details about insurance coverage and special terms specified in this insurance participation certificate may be found at INSURANCE BENEFITS: The following benefits are provided in this insurance policy save that the same is specified on the first page of this group life insurance participation certificate / application form issued by. (insurer). Death Benefit: If the insured passes away during the term of the insurance, the amount of death benefit specified in the participation certificate shall be payable to loss payee in proportion to the amounts owed by the insurer to the loss payee as the death benefit, the remaining amount shall be payable to the beneficiaries of the insured if any (legal heirs if there is no beneficiary). Permanent Disability After Accident: If the insured becomes permanently disabled immediately after or within two years after the accident as defined in the General Terms of Personal Accident Insurance, once his medical treatment is completed and his permanent disability has been established, the amount of the permanent disability benefit shall, within the rates as specified in the General Terms of Personal Accident Insurance, shall be payable to the loss payee in proportion to the insured's debts owed to the loss payee, the remaining amount, if any, shall be payable to the insured. An accident shall not entitle the insured to benefit from both the death and permanent disability benefit at the same time. However, if the insured of the insurance relation where the permanent liability has been paid passes away within one year following the accident and as a result of such accident, the beneficiaries shall be entitled to receive the payment for the difference between the permanent disability benefit and death benefit. Variable Benefit Depending on the Employment Status: For the option of variable benefit depending on the employment status, the insurer shall, depending on the employment status of the insured, grant the entitlement to the benefit only if one of the following risks occur (depending on the employment status at the time the risk occurs). The insured may during the insurance term benefit only from one of the benefits described below under the scope of the variable benefit depending on the employment status. The indemnity which may arise under this benefit shall be payable to the loss payee in proportion to the insured's debts owed to the loss payee, and the remaining amount if any shall be payable to the insured. Descriptions of Employment Status Permanent Employee shall refer to a person who works for at least 16 hours a week under an employment contract of indefinite duration by means of receiving a salary and paying relevant social security insurance premium. Self-employed shall refer to a person who works for at least 16 hours in a professional activity for profit purposes by means of paying his/her social security insurance premium and being a taxpayer. Page: 2of 7
3 Other shall refer to a person who is not engaged in any professional activity and who does not work in a job. Waiting Period: The period that is required to elapse as of the construction of the insurance agreement so that the benefits such as unemployment, temporary incapacity due to disease and daily hospital due to disease shall become functional is 90 days for the group annual life insurance policy. No waiting period shall be applicable for death and post-accident permanent disability benefits. Period of Entitlement to Benefit: 30 days should elapse in order for the entitlement to the benefit to commence starting from the date when the risk occurs. No such period shall be applicable for death and post-accident permanent disability benefits or Daily Hospital benefits due to diseases. The initial payment for the unemployment benefit shall be made 60 days after the date when the insured becomes unemployed. Unemployment Benefit: This benefit shall only apply to permanent workers under Turkish Employment Agency Unemployment Insurance, who worked for the same employer at the same workplace and for a period of at least 180 days regularly and whose premiums have been continuously paid (at least 120 days) during this period as well as to the Social Security Institution (SGK) employees and employees of Private Retirement Fund under provisional Article 20 of the Social Insurances Law. The unemployment benefit is the benefit which secures the debts owed by the insured to Hemenal Finansman A.Ş. due to revenue loss up to the limits specified in this participation certificate, if and when the insured becomes unemployed involuntarily (without willful act or negligence). In order to use this benefit, it is required that the insured involuntarily becomes unemployed during the term of insurance, remains unemployed permanently for a period of 30 days (without association with the past) and is considered formally unemployed by the Turkish Ministry of Labor and Social Security Turkish Employment Agency. If the insured meets the above definition of unemployment and if the risk under this participation certificate occurs, the insured shall submit the documents requested to the insurer. The insurer shall pay to the insured's bank account an amount of monthly benefit for each full month during which the insured remains unemployed after the 30-day period which is the period for being entitled to the benefit. The amount of monthly benefit shall be as much as the monthly credit repayment before the unemployment risk occurred. For periods lesser than a month, an amount equal to 1/30 of the benefit shall be paid per day. The insured may not, during the six months following the last indemnification paid under the scope of the benefit, claim benefit from the insurer for unemployment. If, between two or more unemployment periods, there are six months or a shorter period determined in the participation certificate, as specified above, no waiting period shall be applicable for the following unemployment period. Under the scope of this benefit, unemployment benefit shall be payable maximum for full (6 (six) months at the most during the term of insurance. The insurance indemnification under the unemployment benefit shall not be payable as of the following dates; * The last day of the month when the Insured is 61 years old, * The day when the Insured re-starts to work, * If the insured does not accept the jobs proposed to him by SGK when he was unemployed, pursuant to the Unemployment Insurance Law no Unemployment benefit shall not be paid in the following scenarios. Page: 3of 7
4 * Where, at the start of the insurance, it is known that unemployment will occur, * Where the Insured works at a job (seasonal or periodic works) which is seasonal and where it is natural to discontinue the work, * Where the Insured voluntarily becomes unemployed, * Where the Worker terminates (resignation) the labor contract including due to psychiatric diseases or mental diseases, marriage and military service * Retirement, and where the Insured becomes unemployed when he/she is working as an employee, partner, manager in a family company controlled by any member of this family, * Where the Insured has a gainful occupation (formal or informal) during the period of getting entitlement to the unemployment benefit or during payments. * If the Insured becomes unemployed when working at a workplace operating in the fields of call center, telemarketing, construction, hotel, restaurant or cafe-bar, then no unemployment benefit shall be paid to the Insured even the Insured meets the other conditions. Post-Accident or Disease Temporary Incapacity Benefit: Subject to documenting it through a report from a fullfledged hospital, this is the benefit which secures the amounts owed for the loan lent by Hemenal Finansman A.Ş. up to the limits specified in this participation certificate, where the Insured becomes unable to generate revenue as a result of post-accident or disease temporary incapacity. This benefit shall cover the Insured who are self-employed at the time of insurance claim. In order to be entitled to this benefit, it is required that the Insured becomes incapable of working for a period longer than 30 days (without association with the past) during the term of insurance and documents his/her temporary incapacity through a detailed report obtained from a full-fledged hospital. Wherever deemed required, the Insurer may also request reports obtained from Health Organizations Authorized to Grant Disabled Report as given in the annex to the Regulation on Disability Measure, Classification and Health Committee Reports for the Disabled as published in the Official Gazette no , dated If the Insured meets the above definition of temporary incapacity and if the risk under this participation certificate occurs, the Insured shall submit the requested documents to the Insurer. The insurer shall pay to the insured's bank account an amount of monthly benefit for each full month during which the insured remains unemployed after the 30-day period which is the period for being entitled to the benefit. The amount of monthly benefit shall be as much as the monthly credit repayment before the post-accident or disease temporary incapacity risk occurred. For periods lesser than a month, an amount equal to 1/30 of the benefit shall be paid per day. The Insured may not, following the last benefit paid under the coverage, submit any new claim from the insurer for a period of one month for temporary incapacity events not resulting from the reasons which constitute the basis of payment, and for a period of six months for temporary incapacity events related to the same or related reason. If, between two or more temporary incapacity periods, there is a period of one month or a period shorter than six months depending on the nature of temporary incapacity, no waiting period shall be applicable for the following period of temporary incapacity. Under the scope of this benefit, throughout the term of insurance, post-accident or disease temporary incapacity benefit shall be payable for full 6 (six) months at the most. Page: 4of 7
5 The insurance claim under the post-accident or disease temporary incapacity benefit shall not be payable as of the following dates; - The date when the health report regarding the permanent incapacity of the insured is issued, - The last day of the month when the Insured is 61 years old, - The first day when the temporary incapacity period ends. Post-Accident or Disease Daily Hospital Benefit: This benefit covers the scenario where the Insured is hospitalized and treated after an accident or disease during the term of insurance. This benefit applies to people who, at the time of claim, are not working and not engaged in any professional activity (retired, housewife etc.). If the Insured is hospitalized for a period of at least 7 days on a continuous basis and this is documented with a report obtained from a full-fledged hospital, the Insured shall be paid a benefit by 1/30 of the monthly benefit for each day at the hospital. The amount of monthly benefit shall be as much as the monthly credit repayment before post-accident or disease daily hospital risk occurred. Under the scope of this benefit, throughout the term of insurance, post-accident or disease daily hospital benefit shall be payable for full 6 (six) months at the most. No period of entitlement to benefit shall be applicable for this benefit. The insurance coverage and the benefits which I, as a candidate for insured, want to purchase are specified above, and I do not have any further benefit request other than specified benefits. IF THE RISK OCCURS: In order for the beneficiaries to claim the benefits arising from the participation certificate, they are, without undue delay after the date when they are aware of the risk realization, required to notify the insurer in writing and shall, at their own expense, submit the following documents to the Head Office of Cigna Finans. Documents to submit to the Insurer in case of death * Certificate of Death * Application form with a health declaration question, if and where the death is a result of a lasting disease * Formal Accident Report (if the death is as a result of accident) * Formal document showing the alcohol degree where possible (if the death is as a result of accident) * Prosecution Office Investigation Result Report or (if the death is due to judicial case) * The Certificate of Decision to the Effect that there is no Ground for Investigation, obtained from the Prosecution Office (if the death is due to judicial case) Documents to be Submitted to the Insurer In case of Post-Accident Permanent Disability * Formal accident report * If the Insured becomes disabled due to an accident, health committee report specifying the cause of disability, status and degree of disability for the disabled. (Obtained from State/SGK hospital) Documents to Submitted to the Insurer in case of Unemployment * Dismissal notice * Certificate of employment Page: 5of 7
6 * Compensation notice given by the relevant institution (SGK) * Other documents which may be necessary Documents to Submit to the Insurer in case of Post-Accident or Disease Temporary Incapacity * Medical report showing the unemployment period * Verification of the social security compensations paid by SGK * Other documents deemed necessary for approving the insurance claim and the amount of indemnification by the insurer (e.g. additional medical documents) * Prior to each monthly payment: The certificate evidencing the temporary disability insurance payment made by SGK Documents to Submit to the Insurer in Case of Post-Accident or Disease Daily Hospital Benefit * Physician's report * Causes of accident (police report, court report) * Certificate evidencing hospitalization * Other documents deemed necessary for approving the insurance claim and the amount of indemnification by the insurer (e.g. additional medical documents) * Prior to each monthly payment: Verification of Insured's hospitalization. SPECIAL CONDITIONS: The Insurer has agreed and issued this participation certificate based on the insured's / policy owner's statements in the application form and, save that the initial premium is paid, subject to special and general conditions attached to this participation certificate. The Insurer is a member of Insurance Arbitration Committee; therefore the disputes and differences of interpretation arising from this participation certificate shall be settled by the Insurance Arbitration Committee. Istanbul Central Courts and Enforcement Offices shall be authorized for all other matters. This insurance coverage does not include the treatment expenses specified in Article 1508 of the Turkish Commercial Code. Under this insurance policy, if the risk for unemployment which is variable depending on the status of employment, temporary incapacity following an accident or disease and the risk for daily hospitalization after an accident or disease occurs, the benefit shall be payable for maximum 6 full (six) months. Your personal data shall be processed by our Company for the purposes of creating or performing the Agreement and may, if necessary, be transferred to third parties at home and abroad. Information on Personal Data Protection may be found at our website. The insurance premium shall be payable by the parties at such term determined previously against receipt. Unless requested by the policy owner, no receipt shall be provided by the Insurer. The documents (receipts and similar documents) as may be obtained from banks evidencing the payment of premiums shall be equivalent to the insurance company's receipt. Page: 6of 7
7 PAYMENT OF INSURANCE PREMIUM, COMMENCEMENT OF INSURER'S LIABILITY AND DEFAULT OF POLICY OWNER: If it is agreed that the full insurance premium shall be paid in installments, the advance payment (initial installment) must be paid as soon as the agreement is executed and, in any case, against the delivery of the participation certificate at the latest. If the Life Insured under this participation certificate dies prior to the payment of initial premium, this insurance relation shall be null and void pursuant to Article 1487/2 of the Turkish Commercial Code. Failure to pay the insurance premium or, if it is to be paid in installments, any installment in a timely fashion, the insurance shall be terminated as per the regulations and/or agreed principles and procedures prescribed in the group life insurance signed between the insurer. and the policy owner Hemenal Finansman A.Ş. Once the risk occurs, the portion of the premium installments not yet due, which do not exceed the amount of compensation which the insurer is obliged to pay shall become due and payable. The candidate for insured hereby irrevocably agrees, represents and undertakes that any legal relation which he/she enters into with Cigna Finans Emeklilik ve Hayat A.Ş. shall be on his/her own account, and that, otherwise, he/she is aware of the obligation to give notification pursuant to Article 15 of the Law no and if he/she acts for and on behalf of another individual, he/she will notify. in writing and in this regard, the entire liability shall rest with the candidate for insured or the policy owner, including the provisions of the law regarding the prevention of laundering of crime revenues. Item No Due Date Amount Due (TRY) Table of Benefits UNEMPLOYMENT/ TEMPORARY INCAPACITY POST ACCIDENT DISABILITY DEATH BENEFIT /DAILY HOSPITAL 1ST YEAR 2ND YEAR 3RD YEAR Page: 7of 7
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