Funeral Cover
Don’t let your passing be stained with the cumbersome funeral costs. Allow your loved ones mourn in peace.
There are few things in life as tragic and heart-breaking as an unexpected death of a loved one. The pain only increases if your loved ones are trying to come to terms with the loss and having to cope with the funeral arrangements and cost.
This policy covers the beneficiary and the beneficiaries in the event of:
Death – This involves accidental impairment and accidental loss of life as well as natural death
Impairment – This involves loss of eyes, loss of ears, loss of speech, loss of limbs and others as specified in the schedule
Major Burns – All degree of burns are also covered under this policy.
Important points to note:
- In the event that the main member dies, the benefit will be paid in lump sum
- The cover commences immediately policy is taken in the cases of accidental death. In natural death cases, there will be a minimum waiting period of 1 month.
- The minimum entry age for infants is one month and the maximum entry age for adults is 75 years.
- The cover is renewable annually
- Children are covered up to a maximum age of 25 years under proof of still being under the care of parents/guardian (proved through schooling)
- The cover covers a maximum of four children and one legal spouse
- Biological parents of policy holder and spouse can be added at an additional premium
The following age limits apply for eligibility under this cover:
- Principal member or spouse: Entry age 18 to 70 years, maximum coverage age 75 years
- Children: Entry age from 3 months to 18 years, coverage up to 25 years for full-time students
- Parents or parents-in-law: Entry age 40 to 75 years, maximum coverage age 80 years
The policy provides the following benefits and features:
- Benefits ranging from KES 100,000 to KES 500,000
- Annual premium is per principal member
- Covers principal, spouse, up to four children and parents or in-laws
- Provides cover for both accidental and natural death 24 hours a day, seven days a week
- Does not exclude passive war, riots, terrorism risks or persons living with HIV
- Waiting period of 3 months for natural death from commencement date (no waiting period for accidental death)
- Lump sum benefit payable in the event of death of specified family members
- Cover runs for one year and is renewable annually
The policy also provides the following additional benefits:
- Refreshments at funeral
- Cost of buying wreath
- Cost of tent, seats and related items
- Hearse services
- Transportation of family members
- Casket or urn
- Purchase of burial plots in public cemeteries
- Clearance of hospital bills including mortuary bills
- Labour for the burial site
- Obituaries and funeral announcements
- Cremation costs
- Mortuary costs
The policy does not cover the following:
- Death or impairment resulting from suicide or attempted suicide
- Alcohol and drug abuse
- Involvement in criminal activities or illegal acts
To process a claim, the following documents are required:
- Burial permit or death certificate
- Completed claim form
