Simple way to join and submit your claim
- 1
RegisterComplete RURIs registration process to become a Member - 2
Submit a ClaimSelect your desired MAP Program(s) and provide necessary documents, such as medical diagnoses and test results, to file a claim - 3
Review & ScoreClaim scorers will assess the claim ensuring all documentation is in order, and provide a score based on various factors, including document verification - 4
Vote & ApproveMembers have the power to vote and decide on approving claims based on the credibility of the case. Members can also vote to initiate further investigations - 5
Receive Community SupportTotal approved claim payout + contributions (administration and direct) equally from all Members and auto-deducted from Members digital wallets all via smart contract
What do Members need to know before submitting a claim for the Life Program?
Claim requires a minimum six (6) months waiting period from the date of joining the Life Program, with confirmation of the registration as the first day of membership
Before Member consideration, a beneficiary must submit required documentation
A claim shall include the following documentation:
- Government-issued death certificate
- Doctor's statement detailing the cause and time of death
- In case of death due to accidents or criminal actions, a police report
After filing and receiving a payout for a Life Program, no further claims may be submitted on behalf of that Member
Risks and Limitations
- Not Insurance & No Tax DeductionsRURI MAP is not an insurance product, does not qualify for tax deductions, and is not regulated under Sri Lanka’s Insurance Act.
- Limited PayoutsIf the total contributions are insufficient, payouts may be reduced.
- Risk of Increased ContributionsClaims may exceed initial projections, requiring higher contributions from members.
- Non-Refundable ContributionsMembers can leave RURI MAP at any time, but contributions made to the pool are non-refundable.
- Pilot Program UncertaintySince RURI MAP is a 1-year pilot experiment, the platform may be discontinued if the pilot is unsuccessful.
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