Part 1 – Definitions

“Beneficiary (ies)” wherever used in this policy means the person(s) designated as Beneficiary (ies) in the Certificate of Insurance.

“Benefit Amount” wherever used in this policy means the respective amount stated in the Schedule of Benefits in the Certificate of Insurance with respect to each Named Insured.

“Certificate of Insurance” wherever used in this policy means the individual certificate issued to the Insured Person duly signed by the Company setting forth a statement as to the insurance protection to which the Named Insured is entitled and which includes the Certificate number, the name of the Named Insured, the benefits, limits as well as the Policy Effective Date and premium.

“Company” wherever used in this policy means American Life Insurance Company (MetLife).

“Common Carrier” wherever used in this policy means: a) A certified passenger aircraft provided by a commercial airline on a regular, scheduled flight and operated by a properly certified pilot flying between duly established and maintained airports; or b) A land or water conveyance licensed for transportation of passengers for hire;

A land or water conveyance does not include: 1) while driving, riding as a passenger in, boarding or alighting from a rental vehicle, unless the rental vehicle is rented by a licensed Common Carrier for the purpose of carrying passengers for hire; 2) while driving, riding as a passenger in, boarding or alighting from a taxi cab used for public transportation; 3) while driving, riding as a passenger in, boarding or alighting from an auto rental shuttle, hotel shuttle or parking lot shuttle that transports passengers off airport premises.

“Country of Issue” wherever used in this policy means the “United Arab Emirates”.

“Death due to Natural Causes” wherever used in this policy means when an eligible Named Insured dies as a result of natural causes (excluding death as a result of bodily Injury affected solely through external, violent and purely accidental means and/or suicide and/ or Acquired Immune Deficiency Syndrome “AIDS” and/or any other restrictions/exclusions under this policy), while insured under this policy.

“Hospital” wherever used in this policy means an establishment which meets all of the following requirements: (1) holds a license as a Hospital, if licensing is required in the country or governmental jurisdiction; (2) operates primarily for the reception, care and treatment of sick, ailing or injured persons as in-patients; (3) provides 24-hour a day nursing service by registered or graduate nurses; (4) has a staff of one or more Physicians available at all times; (5) provides organized facilities for diagnosis and major surgical procedures; (6) is not primarily a clinic, nursing, rest or convalescent home or similar establishment and is not, other than incidentally, a place for alcoholics or drug addicts; (7) maintains X-ray equipment and operating room facilities.

“Injury” wherever used in this policy means accidental bodily Injury, occurring whilst this policy is in force, caused solely and directly by violent, accidental, external means as to the Named Insured, whose Injury is the basis of claim and resulting, directly and independently of all other causes, in a loss covered under this policy.

“Insured Person” wherever used in this policy means an individual named in the Certificate of Insurance between the ages of eighteen (18) and fifty nine (59) years who applies for insurance through Mashreq Bank, and whose Debit Card /Visa/MasterCard Credit Card/Mashreq Bank Account is debited towards premium under this policy and reported to the Company.

“Physician” wherever used in this policy means a person legally licensed to practice medicine and/or surgery other than the Named Insured or a member of the Named Insured's immediate family or an employer/ employee of the Named Insured.“Policy Effective Date” wherever used in this policy means the date when this policy takes effect. This date is stated in the Certificate of Insurance.

“Pre-existing Conditions” wherever used in this policy means any physical condition that was diagnosed, treated, or for which a Physician was consulted, at any time prior to the Policy Effective Date.

“Schedule” or “Schedule of Benefits” wherever used in this policy means the Schedule of Benefits in the Certificate of Insurance which is attached hereto and which forms a part of this policy.

“Spouse” wherever used in this policy means the Insured Person’s legally married husband or wife between the ages of eighteen (18) and fifty nine (59) years and is named in the Certificate of Insurance.

“Terrorist Act” wherever used in this policy means any actual or threatened use of force or violence directed at or causing damage, Injury, harm or disruption, or commission of an act dangerous to human life or property, against any individual, property or government, with the stated or unstated objective of pursuing economic, ethnic, nationalistic, political, racial or religious interests, whether such interests are declared or not. Robberies or other criminal acts, primarily committed for personal gain and acts arising primarily from prior personal relationships between perpetrator/s and victim/s shall not be considered Terrorist Acts.

“Terrorist Act” shall also include any act which is verified or recognized as an act of terrorism by the (relevant) government of the country where the act occurs.

“VAT” means any Value Added Tax payable on the supply of goods, services or other things in accordance with the provisions of VAT Law.

“VAT Law” means the federal law number (8) of 2017 on Value Added Tax, as amended in the United Arab Emirates.

”War” means War or Warlike operations (whether War be declared or not) or invasion, act of foreign enemy, hostilities, mutiny, riot, civil commotion, civil War, rebellion, revolution, insurrection, conspiracy, military or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege.

Part 2 – Benefits

The coverages stated hereunder subject to the “General Exceptions” stated under Part 5 below and the limitations stated under Part 6 “Uniform Provisions” below, are valid only in respect of the Benefits specifically indicated in the Schedule of Benefits by the insertion of the amount of indemnity, its limitation and payment of the appropriate premium.

Section 1: Loss of Life due to Accident: When Injury results in Loss of Life of a Named Insured within three hundred sixty five (365) calendar days from the date of the accident, the Company will pay the Beneficiary (ies) the Benefit Amount as stated in the Schedule of Benefits in the Certificate of Insurance. If Loss of Life occurs after three hundred sixty five (365) calendar days from date of the accident, the Death due to Natural Causes benefit stated in the Schedule of Benefits in the Certificate of Insurance shall become payable to the Beneficiary (ies) provided this policy is in force at the time of death and none of the exclusions specified in this policy are applicable.

Section 2: Loss of Life due to Accident on Common Carrier outside the Country of Issue: When Injury results in Loss of Life of a Named Insured within three hundred sixty five (365) calendar days from the date of the accident occurring while as a fare-paying passenger on a Common Carrier outside the Country stated in the Certificate of Insurance, the Company will pay the Beneficiary (ies) the Benefit Amount as stated in the Schedule of Benefits in the Certificate of Insurance. If Loss of Life occurs after three hundred sixty five (365) calendar days from date of the accident, the Death due to Natural Causes benefit stated in the Schedule of Benefits in the Certificate of Insurance shall become payable to the Beneficiary (ies) provided this policy is in force at the time of death and none of the exclusions specified in this policy are applicable.

Section 3: Death due to Natural Causes: If a Named Insured dies as a result of Natural Causes while insured under this policy, the Company will, upon receipt of due proof in writing of the death of the Named Insured, pay the applicable amount specified on the Schedule of Benefits in the Certificate of Insurance.

Limitations and Termination of Individual Insurance: No Indemnity will be paid under any circumstances for more than one of the losses, the greatest for which provision is made in Section 1 “Loss of Life due to Accident” or Section 2 “Loss of Life due to Accident on Common Carrier outside the Country” or Section 3 “Death due to Natural Causes”.

The occurrence of any specified loss/losses in respect of a Named Insured for which the full Benefit Amount is payable shall at once terminate his/her insurance under this policy, but such termination shall be without prejudice to any claim originating out of the accident causing such loss.

Part 3 - Flying Coverage

Coverage with respect to flying is limited to loss occurring while a Named Insured is riding solely as a fare paying passenger (but not as a pilot, operator or member of the crew) in or on, boarding or alighting from a certified passenger aircraft provided by a commercial airline on any regular, scheduled, special or chartered flight, and operated by a properly certified pilot flying between duly established and maintained airports.

Part 4 - Postponement of Effective Date

No insurance provided by this policy shall become effective as to a Named Insured if such Named Insured is Hospital confined, disabled, or receiving payment for a claim when such insurance would otherwise take effect.

The coverage on the Named Insured shall take effect thirty-one (31) calendar days after such Hospital confinement or disability terminates, or payment of claim ceases, whichever is the latter.

Part 5 – General Exceptions

This policy does not cover and no payment shall be made in respect to:

1. Any loss caused by or resulting from:
a) Intentionally self-inflicted Injury, suicide or any attempt thereat while sane and conscious;
b) War, invasion, act of foreign enemy, hostilities or Warlike operations (whether War be declared or not), mutiny, riot, civil commotion, strike, civil War, rebellion, revolution, insurrections; shelling, sniping, ambushes, and all acts of similar nature; or any period the Named Insured is serving in
the Armed Forces of any country, whether in peace or War;
c) Congenital anomalies and conditions arising out of or resulting there from;
d) Active participation in Terrorist Acts;
e) Travel to and /or stay in Iraq and Afghanistan; nor

2. Any claim caused by an opportunistic infection or malignant neoplasm, or any other sickness condition, if, at the time of the claim, the Named Insured had been diagnosed as having AIDS

(Acquired Immune Deficiency Syndrome), ARC (AIDS Related Complex) or having an antibody positive blood test to HIV (Human Immunodeficiency Virus).

For the purpose of this Clause, the terms “Acquired Immune Deficiency Syndrome” shall have the meanings assigned to it by the World Health Organization. A copy of the definition is maintained in the Company’s Head Office in the Country of Issue of this policy.

a) Opportunistic infection includes but is not limited to pneumocystis carinii pneumonia, organism of chronic enteritis, virus and/or disseminated fungi infection;
b) Malignant neoplasm shall include but not be limited to Kaposi’s sarcoma, central nervous system lymphoma, hairy-cell leukemia and/or other malignancies now known or which become known as immediate cause of death or disability and the incurring of medical expenses in the presence of acquired immune deficiency;
c) Acquired Immune Deficiency Syndrome shall include HIV (Human Immunodeficiency Virus) encephalopathy (dementia), and HIV (Human Immunodeficiency Virus) Wasting Syndrome; nor

3. Any loss occurring while:
a) The Named Insured is flying in any aircraft or device for aerial navigation except as specifically provided herein under Part 3 Flying Coverage;
b) The Named Insured is participating in professional sports, whether practicing or playing, competitions, races, matches in land, air or sea, hazardous sports/activities such as rock climbing, mountaineering, bungee jumping, river rafting, potholing, parachuting, paragliding, skiing or scuba diving; nor

4. Loss sustained or contracted in consequence of the Named Insured being intoxicated or under the influence of alcohol or any narcotic or abuse of prescription drugs; nor

5. Any loss of which a contributing cause was the Named Insured's attempted commission of, or participationin a felony or a deliberate misdemeanor; nor

6. Any Pre-existing Conditions, pregnancy, childbirth or miscarriage; nor

7. Loss caused directly or indirectly, wholly or partly by bacterial infections (except pyogenic infections which shall occur through an accidental cut or wound) or any other kind of disease; nor

8. Any loss caused by or resulting from nuclear, biological or chemical radiation, defined as:
a) The use, release or escape of nuclear materials that directly or indirectly results in nuclear reaction or radiation or radioactive contamination; or
b) The dispersal or application of pathogenic or poisonous biological or chemical materials; or
c) The release of pathogenic or poisonous biological or chemical materials.
The claimant shall, if so required, and as condition precedent to any liability of the Company, prove that the loss did not in any way arise under or through any of the excepted circumstances or causes under this policy.

Part 6 - Uniform Provisions

1. Entire Contract, Changes: This policy, including the Certificate of Insurance and any endorsements constitute the entire contract of insurance.

No change in this policy shall be valid unless approved by the Company and unless such approval be endorsed hereon or attached hereto.

2. Consideration: This policy is issued on the basis of the declarations made by the Insured Person, and in consideration of the payment in advance of the premium specified in the Certificate of Insurance.

Intentional concealment of facts or false statements in the declarations made by the Insured Person which affect the acceptance of the risk by the Company shall invalidate this policy from its inception.

3. Effective Date of Insurance: This policy takes effect on the Policy Effective Date stated in the Certificate of Insurance. After taking effect, this policy continues in effect until the expiry of the period of coverage stated in the Certificate of Insurance and may be renewed on each
anniversary thereafter subject to the “Grace Period” and “Renewal Conditions” set forth herein. All periods of insurance shall begin on the Policy Effective Date at 00:01 hours and expire at 23:59 hours of the policy expiry date at the residence of the Named Insured.

Coverage in respect of the Named Insured under this policy shall commence from the Policy Effective Date stated in the Certificate of Insurance, subject to the successful debit of the Insured Person’s Debit Card/Visa/MasterCard Credit Card or his/her Mashreq Bank Account for the premium due under this policy. Non-receipt of the first premium by the Company will render this policy null and void immediately, effective from the time of application.

4. Grace Period: A grace period of thirty (30) calendar days will be granted for the payment of each premium falling due, during which time this policy shall be continued in force, unless this policy has been cancelled in accordance with clause (10) “Cancellation”. The Insured Person shall be liable to the Company for the payment of the premium for the period this policy continues in force. If loss occurs within the grace period, any premium then due and unpaid will be deducted in settlement.

5. Premiums: All premiums and applicable taxes are payable in advance by the Insured Person on or before the date they become due, unless official notice of cancellation has been served.

6. Free Look Period: The Insured Person is entitled to a free trial period of 30 calendar days effective from the Policy Effective Date, specified in the Certificate of Insurance, during which time, the Insured Person may cancel this policy by sending a written request of cancellation, which must be received by the company at any time within the first 30 calendar days following the Policy Effective Date. During this free-look period any cancellation request will be subject to a full refund of premium paid. No refund will be made if a claim has already been paid.

7. Change of Address: The Company must be immediately informed of any change in the Named Insured's residence and/or business addresses.

If a Named Insured sustains a loss after having changed his/her residence and/or business address to a country other than the one declared at the time of policy issuance, then the Company will apply the relevant rules of the insurance coverage terms of that new country, including but limited to the premium rate applicable to that new country, starting from the date of the change. If under the new insurance coverage terms the premium rate is higher than the premium rate applicable to the country declared at the time of policy issuance, then the Insured Person must pay the difference in premium as determined by the Company. If the Insured Person did not pay the full premium, including the difference mentioned above, the Company shall have the right to terminate this policy effective from the date of change.

Through this provision, the Company’s insurance coverage terms in the new country shall be applied before the occurrence of the loss by the Named Insured under this policy, or prior to the date where the proof of change of residence and/or business address was received by the company.

8. Termination Dates of Insurance: Insurance of any Named Insured shall terminate immediately on the earliest of:

a) the date this policy expires;

b) the premium due date if the required premium is not paid within the grace period;

c) the date the benefits are paid to the extent of the Benefit Amount in respect of the Named Insured;

d) the date the Named Insured attains the age of sixty five (65) years;e) the date the Named Insured is no longer eligible within the definition of the Named Insured.

The termination of the Named Insured's insurance as a result of attaining the age of sixty five (65) years shall be without prejudice to the Spouse's coverage who did not attain such age, which coverage shall remain in effect, subject to payment of due premiums, untill the Spouse attain the age of sixty five (65) years.

Any such termination shall be without prejudice to any valid claim originating prior to the date of termination.

9. Reinstatement of Policy: When this policy terminates by reason of nonpayment of premium, any subsequent acceptance of a premium and reinstatement of this policy by the Company shall solely be at the Company’s discretion and shall only cover loss resulting from Injury sustained after the date of such reinstatement.

10. Cancellation: Following the expiry of the period of coverage as stated in the Certificate of Insurance, the Company  may cancel this policy by written notice delivered to the Insured Person or mailed to the last address as shown by the records of the Company which shall be notified to the Insured Person not less than (15) calendar days before the expiry of the period of coverage. Such cancellation shall be without prejudice to any valid claim originating prior thereto. In the event this policy for which the annual premium has been paid in advance is cancelled by the Insured Person, the unearned premium shall be refunded on a pro-rata basis for the balance of the months of cover due under this policy.

11. Renewal Conditions: Following the expiry of the period of coverage as stated in the Certificate of Insurance, this policy may be renewed on each anniversary from term to term by payment in advance of the total premium specified by the Company. Notwithstanding the aforesaid, the Company at the expiry of each period of coverage may decide to change the premium rate at its own discretion, and it shall provide the Insured Person with prior written notice delivered to the Insured Person or mailed to the last address as shown by the records of the Company. In such case, payment of the same premium that the Insured Person used to pay during the validity of the previous period of coverage will not renew this policy and this policy will terminate at the end of the period of coverage, and renewal of this policy will only take effect upon payment of the increased premium rate as communicated by the Company in the written notice mentioned above.

12. Notice of Claim: Written notice of claim must be given to the Company within ten (10) calendar days after the occurrence or commencement of any loss covered by this policy, or as soon thereafter as is reasonably possible. In the event of Loss of Life, immediate notice thereof must be given to the Company. Failure to furnish such notice within the time required shall not invalidate nor reduce any claim if it was not possible to give notice within such time. Written notice of claim given by or on behalf of the Insured Person to the Company or to any authorized official of the Company, with information sufficient to identify the Insured Person shall be deemed as notice to the Company.

13. Claim Forms: The Company, upon receipt of a notice of claim, will furnish to the claimant such forms as are usually required by the Company for filing proofs of loss.

14. Time for Filing Claim Forms: Completed claim forms and written proof of loss must be furnished to the Company within thirty (30) calendar days after the date of such loss. Failure to furnish such proof within the time required shall not invalidate nor reduce any claim if it was not possible to give proof within such time. However, no proof will be accepted if furnished later than three (3) years from the time the loss occurred.

15. Time of Payment of Claim: Benefits payable under this policy for any loss, will be paid upon receipt of due written proof of such loss, satisfactory to the Company.

16. To whom Indemnities are Paid: Loss of Life benefit under this policy, will be paid to the Beneficiaries as evidenced in the Certificate of Insurance, otherwise to the estate of the Named Insured. Any payment made by the Company in good faith pursuant to this provision shall fully discharge the Company to the extent of the payment.

17. Medical Examination: The Company, at its own expense, shall have the right and opportunity to make an autopsy in case of death where it is not forbidden by law.

18. Legal Actions: All rights, legal actions and any other lawsuits or claims under this policy shall lapse after the expiration of the legal period prescribed by the statute of limitations of the Governing Law.

19. Designation or Change of Beneficiary; Assignment: The right of designation or change of Beneficiary is reserved to the Insured Person. No assignment of interest shall be binding upon the Company unless and until the written original or a duplicate thereof is filed with the Company. The Company assumes no responsibility for the validity of such designation or change of Beneficiary or assignment.

20. Consent of Beneficiary: Consent of the Beneficiary, if any, shall not be requisite to change of Beneficiary or to any other changes in this policy.

21. Misstatement of Age: If the age of any Named Insured has been misstated, all amounts payable under this policy shall be such as the premium paid would have purchased at the correct age. In the event the age of a Named Insured has been misstated, and if according to the correct age of the Named Insured, the coverage provided by this policy would not have become effective, or would have ceased prior to the acceptance of such premium or premiums, then the liability of the Company during the period the Named Insured is not eligible for coverage shall be limited to the refund, upon written request, of all premiums paid for the period not covered by this policy.

22. Conformity with Statutes: Any provision of this policy which, on the Policy Effective Date, is in conflict with statutes of the jurisdiction in which this policy is issued, is hereby amended to conform to the minimum requirements of such statutes.

23. Governing Law: This contract shall be subject to the jurisdiction of the United Arab Emirates and to the federal law (6) of 2007 concerning the establishment of the Insurance Authority and the organization governed by the laws and regulations of the United Arab Emirates. Any disputes hereunder shall be referred to the courts of the United Arab Emirates.

24. Other Insurance with the Company: If a like policy or policies previously issued by the Company to the Insured Person be in force concurrently herewith, making the aggregate indemnity for:

Section 1: Loss of Life due to Accident in excess of AED 600,000 (AED Six hundred thousand), or
Section 2: Loss of Life due to Accident on Common Carrier outside the Country of Issue in excess of AED 3,600,000 (AED Three million six hundred thousand), or
Section 3: Death due to Natural Causes in excess of AED 300,000 (AED Three hundred thousand), the excess insurance shall be void and all premiums paid for such excess shall be returned to the Insured Person or to his/her estate.

25. Changes in Law: In the event of any changes in the law of taxation or imposition of new levies or taxes on the Company, or the change of any law or regulation governing the operation of insurance companies in the United Arab Emirates, the Company may vary the benefits and terms and conditions of this policy, after taking prior approval from the Insurance Authority, as it deems appropriate.

26. Data Transfer: The Insured Person hereby gives the Company unambiguous consent, to process, share, and transfer his/her personal data to any recipient whether inside or outside the country, including but not limited to the Company Headquarters in the USA, its branches, affiliates, Reinsurers, business partners, professional advisers, Insurance Brokers and/or service providers where the Company believes that the transfer or share, of such personal data is necessary for: (i) the performance of this policy; (ii) assisting the Company in the development of its business and products; (iii) improving the Company’s customers experience; (iv) for the compliance with the applicable laws and regulations; or (v) for the compliance with other law enforcement agencies for international sanctions and other regulations applicable to the Company.

27. International and Local Sanction and Exclusion Clause: “MetLife is bound by and must comply with all applicable trade and economic sanctions laws and regulations, including those set forth by the U.S.

Department of Treasury, Office of Foreign Assets Control (OFAC) and the United Nations”.

MetLife will not provide coverage and/or payment under this policy and/or any supplementary contract if the policy owner, Insured Person, or person entitled to receive such payment is:

(I) residing in any sanctioned country;

(II) listed on the Office of Foreign Asset Control (OFAC) Specially Designated Nationals (SDN) list or any other International or local sanction list; or

(III) claiming the payment for any services received in any sanctioned country.

The Company shall not be liable to pay any claim or provide any coverage or Benefit to the extent that the provision of such coverage or Benefit would expose the Company to any sanction under applicable laws.

28) VAT Treatment:

• • Notwithstanding any other provision to the contrary stated in this policy, the Insured Person agrees that the premium is exclusive of VAT as may be applicable under the provision of the VAT Law.
• If any supply or benefit provided under or in connection with this policy is or become subject to VAT, the Company shall have the right to increase the premium by the amount of the VAT and recover that additional amount from the Insured Person in addition to the premium.
• For the avoidance of doubt, if any supply or benefit provided under or in connection with this policy becomes subject to VAT, any premium payment the Company receives from the Insured Person without the VAT additional amount will be considered unpaid until such time the Insured Person pays the VAT additional amount in full.