Taamine Wafacash is an inclusive insurance offer that provides you with coverage in case of hardships (hospitalization, death, etc.) at the most competitive rate in the market. Currently, we offer four Life and Personal insurance products:

• Taamine Al Janaza;
• Taamine Wladi;
• Taamine Al walidine;
• Taamine Sahti.

Taamine Sahti is a hospitalization insurance contract that guarantees a daily allowance in case of hospitalization due to illness or accident for the underwriter or a beneficiary. The goal is to cover hospitalization expenses and compensate for income loss during the hospitalization period.

With Taamine Wafacash, you can protect yourself and your family against life's hazards for as little as 55 dh (incl. tax) per year. 
Several formulas are available to suit your needs and budget : 

> Taamine Al Janaza :

• Formula 1: Guaranteed capital of 10,000 DH, annual premium of 55 DH incl. tax/year;
• Formula 2: Guaranteed capital of DH15,000, annual premium of DH90 incl. tax/year;
• Formula 3: Guaranteed capital of MAD 20,000, annual premium of MAD 115 incl. tax/year;

> Taamine Wladi :

• Formula 1: Guaranteed capital of DH15,000, annual premium of DH110 incl. tax/year;
• Formula 2: Guaranteed capital of DH30,000, annual premium of DH210 incl. tax/year;

> Taamine Al Walidine :

• Formula 1: Guaranteed annuity of DH2,000/quarter over 2 years or guaranteed capital of DH16,000, annual premium of DH110 inc. tax/year;
• Formula 2: Guaranteed annuity of 3,000 DH/quarter over 3 years or guaranteed capital of 36,000 dh, annual premium of 240 DH incl. tax/year;

> Taamine Sahti :

• Formula 1: Daily indemnity of DH100/day (up to the annual ceiling of DH3,000), annual premium of DH115 incl. tax/year;
• Formula 2: Daily allowance of DH200/day (subject to an annual ceiling of DH5,000), annual premium of DH250 inc. tax/year.

You can easily subscribe it. You should visit the Wafacash branch of your choice then, the branch representative will show you the different products and you can choose the one or ones that suit you. All you need to sign up is your identity card. No medical form is required. Once you've paid the annual premium, the agency representative will give you the general and specific conditions, as well as your payment receipt.

The contract becomes effective the day after subscription and lasts for a fixed term of 12 months.

To subscribe to a Taamine Wafacash offer, you must be over 18 and under 65 for Taamine Al Janaza and Taamine Sahti, under 71 for Taamine Wladi and under 60 for Taamine Al walidine.

For Taamine Al walidine, the beneficiary must be your father or mother, and for Taamine Wladi, the beneficiary must be your adult child. If your child is under the age of majority, you must designate a third person of legal age to collect the capital. 
For other products, you are free to designate the beneficiary of your choice, such as a member of your family, friends, neighbors, relatives, etc. 
You can designate only one beneficiary for each policy you take out. For example, if you want to cover your two children, you'll need to take out two policies, one for each child.

For Taamine Al Janaza, Wladi and Al walidine, you can take out several policies without exceeding a total of DH 100,000 in guaranteed capital. 
For Taamine Sahti, you can subscribe to a maximum of 5 contracts.

If you subscribe to Taamine Sahti, you can designate yourself as the beneficiary of the contract or designate a third party.
However, for Taamine Al Janaza, Wladi, and Al Walidine, you cannot be both the subscriber and the beneficiary. You must designate a third party as the beneficiary of the contract.

When you apply, we won't ask you any questions about your health. There is no medical form to fill in. All you need to subscribe to a Taamine Wafacash product is your identity card.

For Al Janaza, Wladi and Al walidine products, in the event of the policyholder's death, the beneficiary must go to the Wafacash branch of his or her choice to make a claim and present the following supporting documents : 

• Burial certificate or death certificate, or any other document attesting to the death, issued by a competent authority;
• Duplicate of the special conditions (can be reprinted if lost);
• Copy of the beneficiary's CIN;

An SMS containing the withdrawal code will be sent to you as soon as possible. Simply go to the Wafacash branch of your choice with the withdrawal code to collect your money.

For the Sahti product, policyholders who have been hospitalized must go to the Wafacash branch of their choice to make a claim, and present the following supporting documents :

• Any document from a hospital certifying the patient's date of admission and discharge (must be stamped by a doctor);
• Duplicate of special conditions (may be reprinted if lost); 
• Copy of beneficiary's CIN;

An SMS containing the withdrawal code will be sent to you as soon as possible. Simply go to the Wafacash branch of your choice with the withdrawal code to collect your money.

Of course, you can change some of the information on your contract, such as your address, surname, first name, date of birth or even the beneficiary of the contract. Our branch representative will print out your request for modification, which you should enclose with your initial contract.x

You can cancel your contract within 15 days of the subscription date. To do this, you can go to the Wafacash branch of your choice to make your cancellation request, and we will refund your premium in full. 
After 15 days, you cannot cancel your contract or have your premium refunded. However, you remain covered until the contract expiry date.

Cancellation ends automatically at the end of the contract. No documents are required to cancel. 

To renew your contract, simply pay the premium again before the current contract expires. You won't need to show your ID (unless there's been a change). Our agency representative will give you your special conditions, including the new expiry date. 
To make sure you don't miss the expiry date, we'll send you an SMS reminder 1 month before the contract expires.