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  • Costs
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Personal Accident Insurance that protects you and your family 24 hours a day and 365 days a year:

  • Anywhere in the world;
  • At work or on vacation;
  • Without medical examination;
  • Quick claim turnover time;
  • Can be coupled with other insurances. 


The Seguro Opção Certa (Right Option Insurance) is a simple and affordable way to protect your family, ensuring financial tranquility in case of accident.

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Insurance for a Client, office worker/Option A: 

   Capital Option 
Coverages A B C D
MITP (1) 150.000,00 MT 300.000,00 MT 600.000,00 MT 1.200.000,00 MT
DTR (2) 15.000,00 MT 30.000,00 MT 60.000,00 MT 120.000,00 MT
DF (3) 6.000,00 MT 12.000,00 MT 18.000,00 MT 18.000,00 MT

… Cost 59,99 MT/month.

1 – Death or Total and Permanent Disability;

2 – Treatment and Repatriation Expenses;

3 – Funeral Expenses.


First invoice will include MZN 30,00 + legal taxes.



Age Subscription Limit 

Millennium bim Clients from 15 to 65 years old.

Covered Risks

Risk of Death by Accident 

The Insurer will pay the capital employed to the Beneficiaries designated by the Insured in case of death by accident that occurres immediately, or in the course of two years from the date of the accident. In the absence of designation of the Beneficiaries shall be considered Beneficiaries those who, under the Act, are designated legitimate heirs of the Insured Person.


Risk of Total and Permanent Disability

The Opção Certa (Right Option) Insurance guarantees compensation corresponding to a devaluation of 100%, provided that there is an accident causing a devaluation equal or above 50%. Risks of Death and of Total and Permanent Disability do not accumulate, that is, if the Insured Person died as a result of accident, compensation for death shall be payable only if up to that date has not been assigned compensation of Total and Permanent Disability.


Treatment and Repatriation Expenses

The Opção Certa (Right Option) Insurance guarantees the refund of all treatment and repatriation expenses resulting from the accident up to the maximum amounts contracted for this purpose, according to the option chosen, with a 10% allowance on these values.


Funeral Expenses

In case of death by accident, an amount will be paid to cover funeral expenses, up to the contracted limit for that purpose, according to the option chosen.

The Beneficiary in life (in the case of disability or treatment expenses) is the Insured Person.



To subscribe to this Insurance please visit any Millennium bim Branches, or contact your Relationship Manager.

Life (Insurance)

Contract whereby the Insurer, in return for the premium paid by the Policy Holder, pays to someone - the Beneficiary - a certain amount (Insured Capital) in case of life or death of the Insured. Includes the actual life insurance, rents, the capitalization and retirement fund management operations.

Insured Capital
The amount up to which a compensation is paid following a loss covered by the contract.
Natural or legal person to whom the Insurer provision reverses to resulting from an Isurance contract or a capitalization operation.

Amount payable by the Insurer in the event of a claim covered by the policy to repair the damage. In the Life Branch insurance there is no compensationt, strictly speaking, but delivery of the contracted value to the Beneficiary.
Defined as the sudden, fortuitous, unexpected and abnormal event due to the action of a cause external and foreign to the Policy Holder, Insured Person or Beneficiary's will.

Insurence Policy
Document which headlines the Insurance contract between the Policyholder and the Insurance Company, which contains its general, special, if any, and any specific conditions agreed.

Price payable by the Policyholder to the Insurer in exchange for the obligation assumed by the later that, in the case of a claim resulting on the hedged risk, there would be paid a compensation or delivered a certain capital.

Event or series of events specified in the Insurance contract of which its verification allows the trigger of the policy guarantees in the terms set herein.