Life & protection
If the worst happens, your family won’t face it alone.
A lump sum for your beneficiaries, total disability, an education allowance and funeral costs: you choose the amount and the term.
- Also as takaful
- Quote online, sign at a branch
Compare the plans
Three plans. One question: what do you want to protect?
Every price is worked out by our engine for the same reference profile, taxes and fees included.
| Cover | DZD 1 million coverDeath and funeral costs covered. | RecommendedDZD 3 million coverDisability too — so it protects you as well. | DZD 6 million coverThe education annuity, so the studies carry on. |
|---|---|---|---|
| Death from any cause | Included | Included | Included |
| Total permanent disability | Optional | Included | Included |
| Education annuity | Optional | Optional | Included |
| Funeral costs | Included | Included | Included |
| Yearly price incl. taxes | 4 700DZD | 13 681DZD | 28 745DZD |
| Takaful contribution | 4 700DZD | 13 681DZD | 28 745DZD |
| Choose DZD 1 million cover | Choose DZD 3 million cover | Choose DZD 6 million cover |
Reference profile · A non-smoker aged 35, 2 beneficiaries, a 10-year contract at each plan’s default sum insured.
As takaful the contribution is the same; on the recommended plan, DZD 2 628 (20%) pays for running the fund and the rest belongs to the participants.
Made-up prices worked out by Hima’s demonstration engine: no real offer, nothing is charged.
Sum insured and term
What you pay, and what your family receives.
For the reference profile: each plan’s yearly contribution against the sum insured from day one.
DZD 1 million cover
Sum insured1 000 000DZDYearly contribution4 700DZD/ year· Paid over 10 years DZD 47 000From day one, every dinar paid in a year protects 213 dinars.
DZD 3 million cover
Sum insured3 000 000DZDYearly contribution13 681DZD/ year· Paid over 10 years DZD 136 810From day one, every dinar paid in a year protects 219 dinars.
DZD 6 million cover
Sum insured6 000 000DZDYearly contribution28 745DZD/ year· Paid over 10 years DZD 287 450From day one, every dinar paid in a year protects 209 dinars.
The cover
What each cover pays for, in plain words.
Death from any cause
The chosen sum, paid to your beneficiaries.
Total permanent disability
The sum is paid to you if you can no longer work at all.
Education annuity
A yearly income for each child until they finish their studies.
Funeral costs
A sum paid within 48 hours towards the funeral.
- Limit
- DZD 150 000
What the law says
Optional cover, clear rules
No law requires individual life cover. When it backs a loan, however, the bank may ask for it as security.
The sum insured is paid to the beneficiaries you name, by name or by relationship — “my spouse, failing that my children”. You can change this at any time.
Above a certain sum insured a health questionnaire is required, and the contract is then completed at a branch with an adviser.
A general summary: it replaces neither the law itself nor the terms of your contract.
Questions
Your questions, answered.
What happens to my payments if nothing happens?
As with any term life cover, they are not returned at the end: they paid for your family’s protection throughout the contract.
Is the lump sum paid after an illness?
Yes, death is covered whatever the cause, apart from the contract’s exclusions, including suicide in the first year. Total and permanent disability is covered with the disability option.
Is there a takaful version?
Yes, protection is available as family takaful: your contribution goes into a participants’ fund, and part of any surplus comes back to you.
Up to what age can I take it out?
From 18 to 65 when you join; cover ends at 75 at the latest.
How does the education allowance work?
It pays a sum each year for each dependent child until the end of their studies, within the limit set in the contract.
Does smoking change the price?
Yes, a smoker’s rate is higher because the risk is. An honest answer protects the payout.
Your quote
Protection that fits you.
Your age, the sum insured and the term: the quote is online, the signature at a branch.
Get my quote