Optional Covers
Explore our range of optional covers, thoughtfully designed to protect you and your loved ones during life’s most challenging times, so you can embrace every day with confidence, knowing you are in safe hands.
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Hospitalisation Covers
These covers provide financial support in the event of a hospitalisation ensuring you receive the necessary medical treatment and financial assistance.
Union Health 360
Union Health 360 is the one-stop optional cover for your entire family’s health needs, offering comprehensive coverage for ...
Union Health 360 is the one-stop optional cover for your entire family’s health needs, offering comprehensive coverage for hospitalisation expenses due to illness or surgery within Sri Lanka or worldwide (excluding United States of America and Canada). It also gives you the option to include additional covers such as maternity and optical benefits for enhanced financial protection.
Union Smart Health Premier
This optional cover reimburses medical expenses of the life assured, spouse, children below the age of 23 years and the parents of the ...
This optional cover reimburses medical expenses of the life assured, spouse, children below the age of 23 years and the parents of the life assured with an array of additional benefits.
Hospital Cash Benefit
The coverage value will be paid as a daily benefit, as outlined in the policy schedule, to cover additional medical expenses due to ...
The coverage value will be paid as a daily benefit, as outlined in the policy schedule, to cover additional medical expenses due to hospitalisation.
Hospital Cash Child Benefit
In the event of the life assured’s child being hospitalised, a daily benefit—equal to the coverage value as specified in the ...
In the event of the life assured’s child being hospitalised, a daily benefit—equal to the coverage value as specified in the policy schedule—will be paid to help cover additional medical expenses incurred during the hospital stay.
Comprehensive Surgery Benefit
This optional cover will pay a lump sum immediately after a surgery is performed, following an accident or to treat an illness.
Suwamaga Critical Illness Benefit
With this optional cover the life assured receives a lump sum of payment, providing financial assistance for medical treatment in the ...
With this optional cover the life assured receives a lump sum of payment, providing financial assistance for medical treatment in the event of a critical illness.
Child Health Benefit
This optional cover provides a daily cash benefit and covers 244 surgeries undergone by children.
Disability Covers
These covers provide financial protection in case of total or partial disability.
Total Permanent Disability due to Accident Only
This optional cover provides the coverage value in 5 equal annual instalments for total and permanent disabilities that occur due to ...
This optional cover provides the coverage value in 5 equal annual instalments for total and permanent disabilities that occur due to an accident during the policy term.
Extended Partial Disability
A percentage of the coverage value will be paid in the event of partial and permanent disabilities due to an accident during the ...
A percentage of the coverage value will be paid in the event of partial and permanent disabilities due to an accident during the policy term.
Total and Permanent Disability due to Accident or Sickness
This optional cover provides the coverage value in 5 equal annual instalments for total and permanent disabilities that occur during ...
This optional cover provides the coverage value in 5 equal annual instalments for total and permanent disabilities that occur during the policy term due to an accident or illness.
Waiver of Premium on Total Permanent Disability
Future premiums are waived off while dividends keep accumulating in case of a total permanent disability to provide the expected ...
Future premiums are waived off while dividends keep accumulating in case of a total permanent disability to provide the expected returns at maturity.
Loss of Income Covers
These covers provide financial protection to the loved ones of the life assured, in the unfortunate event of their demise, helping to offset the loss of income.
Family Income Benefit
Quarterly lump sum payments provided in the event of the unfortunate demise of the life assured until the policy expires, to relieve ...
Quarterly lump sum payments provided in the event of the unfortunate demise of the life assured until the policy expires, to relieve the financial burden on family members.
Additional Death Covers
These covers provide extra financial protection beyond the basic policy ensuring your loved ones are financially supported in the unfortunate event of the demise of the life assured.
Level Term Benefit
Enhance your death cover up to 20 times your basic death cover for a small additional premium.
Accidental Death Benefit
Lump sum payout in the event of an accidental demise in addition to the death cover.
Spouse Protection Benefit
Lump sum payout in the unfortunate demise of the spouse.
Funeral Expense Benefit
Covers the funeral expenses in the event of the unfortunate demise of the life assured.
Call 1330 (24/7 Hotline) or your dedicated financial adviser for more details.
For more details on benefits, exclusions or terms and conditions please refer the policy document carefully before concluding a sale.