Why is it important that I get vaccinated?

If you’ve been paying attention, then you are most likely aware that there is a measles epidemic going round, prompting the health organisation to call on more people to get vaccinated.

Measles, amongst other diseases, is extremely contagious (the virus can linger in rooms even after a sick person has left)  — and can lead to serious complications. How can you protect yourself, and your loved ones? Besides ensuring that your Health insurance policy is up to date, there is also another simple way: get immunised. 

The reality is by making sure you and your family are fully vaccinated, not only are you protecting yourselves,  but also protecting vulnerable people in your community. This is because the more people who are vaccinated, the fewer people will be infected, making it less possible for the the disease to spread. This is called ‘herd immunity’

How do vaccines work? 

A simple way to explain it is that the ingredient of any vaccine is a small amount of bacteria, virus or toxin of the disease you are trying to prevent that’s been weakened or destroyed in a laboratory first. By exposing your body to the disease in this manner you ‘teach’ your immune system how to create antibodies that protect you from diseases. It is a much safer way for your immune system to learn this through vaccination than by catching the diseases and treating them. Once your immune system knows how to fight a disease, it can often protect you for many years.

Are the any side effects to getting vaccinated?

Yes. As with any medical treatment, vaccines can have a side effects. The most common side effects are mild, like soreness where the needle went in, or a slight fever. Serious side effects are rare. However it is important to note that following extensive studies, it has been shown that there is no link between vaccines and autism: autism is not a side effect of vaccines.

The bottom line is vaccines  make the immune system work more efficiently. Don’t be so worried about the risks of vaccines that you forget to worry about the risks of the diseases vaccines prevent.


Sacos Funeral Plan insurance Seychelles 2020

If you talk to relatives of a recently deceased, they will probably warn you of the huge financial burden for funeral services.

How can you protect your loved ones from the financial burden of hosting your funeral?

The most practical answer is a simple one: Funeral Insurance Coverage….. and this is what Sacos is offering!


Say “I love you” to your loved ones and yourself with a life assurance plan this Valentine!

shutterstock_1154037865 - CopyWith Valentine’s day fast approaching people in Seychelles will be spending money on cards, flowers, jewellery and other gifts as a token of their affection. Be different! Get a gift that will stand out, show your loved ones that you care about their future: Buy a life insurance policy — for your partner, for your kids… even for yourself!

Continue reading “Say “I love you” to your loved ones and yourself with a life assurance plan this Valentine!”

How life insurance pay-outs work

There is often the misapprehension that you need to die for your insurance company to pay out; that is partly false! Life insurance popularity is on the rise as its importance as a long-term financial plan becomes more evident; but a lot of people still do not understand how and when payouts are delivered!

When are benefits paid?

Typically life insurance benefits are paid when the insured has died, and the beneficiaries file a death claim with the insurance company. They will need to submit a certified copy of the death certificate along with their paperwork.

However, some life insurance policies allow the policyholders to draw against the face value of the policy in the event of a terminal, chronic or critical illness. These policies enable the policyholder to be the beneficiary of their own life insurance policy.

Whatever policy you go for, all of Sacos’ insurance have the following attributes:

  • On survival to the end of the term, the sum assured and accrued bonuses are payable
  • On death during the term, the sum assured plus bonuses accrued up the date of death are payable
  • On Total and Permanent Disablement the sum assured and the bonuses accrued up to disablement are payable

When could the policy not pay out?

A common circumstance in which a life insurance policy will not pay out is in the case of suicide. It is an exclusion clause in your policy. Additional clauses are what are considered dangerous activities, such as skiing or snowboarding.

Also not covered is death through crime or illegal activities, for example if you are burgling a house and the owner stabs you, your insurance will not be paid out.

Sometimes you may be committing an illegal activity but may not realise it! For example: you’re walking on private property. Trespassing is a crime — even if you don’t know you’re trespassing. A tree falls on you and you die. If it turns out that you were trespassing, your claim could be denied.

How to file a claim

Contact us as soon as you are able to after the death of the insured in order to begin the claims process. The beneficiary of the insurance policy must obtain a certified copy of the death certificate.

We’ll be more than happy to provide more information as well as answer any questions that you may have.

Simply pay us a visit at our branches (Maison Esplanade – Victoria, Pension Complex –Baie St. Anne Praslin, Green Corner –Providence)  or call us on 429 5000 or send an email to info@sacos.sc.

Let your life insurance purchase say your “I love you” for you this Valentine’s Day

With Valentine’s day fast approaching couples all over the world will be spending money on cards, flowers, jewellery and other gifts as a token of their affection. Be different! Get a gift that will stand out, and be beneficial in the long run: Buy a life insurance policy — for your partner, for your kids… even for yourself!

At Sacos, what we have come to realise is that a lot of insurance purchases are made out of love! It says to your beneficiaries: ‘I love you, and want you to be taken care of.’

Sure, it’s not the first gift you think of when you think of romance, but it’s a wonderful and practical way to express your love to the important people in your life!

Your life insurance isn’t just for your peace of mind, your life insurance gives your loved ones financial security and peace of mind too. You might be thinking that you may not be around to reap the benefits of your policy, but just think of how much it can help your beneficiaries. They can use the money for daily living expenses, an emergency fund for the future, debt repayment, school tuition or retirement account funding! Your life insurance won’t replace your presence in their lives, but it can be your last parting gift to them.

A life insurance policy payout could serve to repay your partner’s outstanding debts, cover end of life expenses or boost your retirement savings!

Similarly your child’s life insurance policy will be able to pay for medical expenses, tuition fees, help them start their own business, funeral and other end of life arrangements… anything they need, really!

Purchase life insurance for your loved ones as a loving gift that keeps on giving, and let the policy say “I love you” for you!

Pay us a visit at our new location in town or call us on 429 5000 or send an email to info@sacos.sc  for more information on Travel Insurance!