Lombard fills PHI/personal accident gap.

Lombard has developed a group disability package to fill the gap
between permanent health insurance and short-term personal accident.

The package, MultiCare, is the result of an 18-month joint development
project with Munich Re.

Lombard comments that the cover is a combination of personal accident and
income replacement with critical illness, which it believes is the first
of its kind in the market.

"The simplicity of MultiCare is a key issue and one of its main
attractions," said Chris Gray,

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