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Product Description BSSP And Name of the product Burial Society Support Plan (BSSP) and Group Funeral Solution s (GFS) Name of the company Old Mutual Type of company/organization Commercial Insurer Legal license (for formal insurers only) Life Risk covered Life Country South Africa Disclaimer This document aims to describe, but not evaluate, microinsurance products being offered, and relies on information provided by our partners. As the products may be in various stages of testing their performance and value for clients, they can be subject to change. For more information on the context in which the product is offered, please refer to the partner's profile and learning journey. Please include any comments about the product or the project overall in the "ad d comment" section on the learning journey page. Product description Type of product Funeral Coverage description in detail, including the purpose of insurance The purpose of the coverage is to provide funds for funeral expenses. In the case of accidental or natural death, members have the following cover: • Cover for the principal member is a multiple of R1000, with a minimum of R3000 and maximum of R12000. The coverage amount is chosen by the burial society and is the same for all members. • Cover for the principal member’s spouse (max 1) will be the same as for the principal member. • Cover for children will be the following multiples of the cover on the principal member: • from age 14 to age 21: 100% • from age 6 to age 13: 50% • younger than age 6: 25% and • stillborns : 10% • Cover for adult dependants can be either 100% or 50% of the principal member’s cover. ”Adult dependants” covered can include between 2-5 people who are financially dependant on the principal member. • Cover for children over 21 can be extended to age 26 for full-time students, or for life if physically or mentally disabled and fully dependent on the principal member. • The burial society makes the choice as to whether coverage is offered to individual members only, members plus immediate family, or members plus immediate family and Adult Dependents. Benefits / Sum insured of the product See above Additional non -insurance services bundled Additional benefits from a contracted service with the product provider (Family Support Services), include: Repatriation of body, including transportation expenses Access to legal advice via a telephonic service. Access to ambulance services in case of accident Terms and conditions Insured All principal m ember s and sele cted dependent s (multiple lives ) of the burial society. The burial society is the policyholder (group policy coverage). Term length of the policy No defined term; premium/rate reviews are performed annually and policyholder has right to cancel if not acceptable; premium payments are paid monthly; either side may cancel upon 3 months written notice; OM has right to cancel upon non-payment of premium (15 days grace period) Eligibility criteria (age limits, health limitation Be a member of a b urial society with a minimum of etc…) 20 members Members have to be South African citizens or residents Age limit at registration: 100 Key exclusions (if any) No exclusions Deductible/Copayment NA Waiting period (in number of days) for For principal coverage amounts of 3000 -5000, the coverage to begin waiting period is 3 months. For principal coverage amounts of 6000-12000, the waiting period is 6 months. Accidental death is covered during the waiting period. Suicide is not considered accidental death and is subject to waiting period. OM has the right to waive waiting period for a group based on previous coverage and/or experience. Ceiling (if any) of the benefits Max coverage is R1 2 000 . Max payment for o ne death under all OM policies is R25 000. Renewal (and requirements if any) See above under policy term. Insurance policy documentation to be ID number of all covered lives provided at registration A declaration of financial dependence will be required for adult dependent Premium Premiums price (either amount or rates) BSSP: flat rate for all member s of the group , depending on level of coverage and family options selected by group, as well as underwriting criteria for large groups. Standard risk rates per R 1000 of coverage: • Single member: R 3.60 • Core Family: R 6.60 • Adult dependent: R 3.40 GFS: Age- banded rates, dependent on level of coverage and family options chosen by group. Core Family rates per R 1000 of coverage: 16-64: R 4.70 65-74: R 10.10 75-84: R 16.00 85-100: R27.70 All rates quoted above are monthly. Currency South African Rand : USD 1 = R 6.78 ( 22.07.2011) Average premium / beneficiary / month (in Average premium = R 81 per member per month local currency) (note this is per member not per covered person) Payment frequency Monthly Premium subsidized by donors or government No (i.e. part of the premium cost is paid to the risk carrier by donor / government on a regular basis) Description of subsidy(ies) type(s) NA Other financing mechanism (cross subsidizes Group rating across product lines, target population, co- payment between employee and employers) used (if any) Premium collection method Bank account (from the burial society) – direct payments (stop orders) Target Market Description of target population Rural, Urban, Rural Peri-urban Peri-Urban Urban Approximate percentage of the total number information not available (no detailed member - of people covered who work in the informal level data) sector Approximate percentage of the total number not available of people covered considered as poor (living on less than 2 USD/day) Type of policy Group Type of product (voluntary or compulsory) Voluntary at burial society level Compulsory for all members of the society Product launch date May 2003 , revised 2006, rate revisions in 2009/2010, and also expected in 2011/2012 Number of active policies as of June 2011 2296 policies (burial societies or groups) Number of active beneficiaries as of June 2011 94,000 principal members, which equates to approximately 470,000 covered individuals (assuming each member covers 5 people) Claims Claims declaration process Meet with the sale s consultant Documentation required for claim ID of principal member and deceased person Death certificate Certificate from Home Affairs (confirming identity) Payment method Bank account deposit (on burial society account) Technology Technological products used NA Processes automated through technology NA Distribution Distribution partner (by order of business size) Informal groups (saving groups, welfare groups) : N 1 burial society Other information Main challenges faced in selling/managing this Long sale s process , especially for larger groups that product require actuarial quotes from head office High competition in the market and price pressure High lapses Expensive distribution system Lack of system for self-administration to break into the market for larger groups/funeral parlours Additional comment Write additional comments Contact person Colette Patience: [email protected] Website http://www.oldmutual.co.za/ .
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