GENERAL & PERSONAL

Comprehensive Security for the Modern Lifestyle.

Wealth generation requires a foundation of absolute security. Our general insurance portfolios are curated to protect your lifestyle, your health, and your most valuable physical assets with uncompromising reliability and elite-level service.

Radical Transparency

WHAT WE COVER
Inpatient hospitalization, specialist ward stays, and diagnostics.
Outpatient consultations, routine check-ups, and pharmacy.
Maternity, antenatal care, and pediatric coverage.
Emergency medical evacuation and air ambulance repatriation.
STANDARD EXCLUSIONS
Cosmetic procedures not medically necessary after an accident.
Self-inflicted injuries or substance abuse rehabilitation.
Experimental, non-standard clinical treatments.
WHAT WE COVER
Comprehensive coverage for vehicle damage, fire, and theft.
Third-party liability protection for bodily injury and property.
Personal Accident coverage for the driver and passengers.
Roadside assistance and emergency vehicle recovery services.
STANDARD EXCLUSIONS
Damage arising from use in unauthorized competitive racing.
Operational damage caused by driving under the influence.
Mechanical breakdown or gradual wear and tear.
WHAT WE COVER
Buildings coverage against fire, lighting, explosion, and storm.
Contents coverage (valuable assets, electronics, and furnishings).
Occupier’s liability for injuries occurring on the premises.
Alternative accommodation costs during major renovations.
STANDARD EXCLUSIONS
Losses caused by war, civil commotion, or nuclear reaction.
Damage resulting from termites, insects, or fungal rot.
Losses occurring while the premises remain vacant for extended periods.
WHAT WE COVER
Global medical emergency and hospitalization cover.
Trip cancellation, curtailment, and baggage delay compensation.
24/7 travel assistance for passport loss or legal aid.
Permanent disability and accidental death benefits.
STANDARD EXCLUSIONS
Existing medical conditions not disclosed at policy inception.
Activities related to extreme or professional sports.
Travel undertaken against government health or security advice.

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THE PRIVATE MANDATE