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Individual Cover
Last Expense Cover
Einsurance Brokers has a tailor-made Group last expense cover that is meant for registered groups such as corporates, cooperatives, welfare groups (chamas), micro finance institutions and SMEs that pays a benefit towards meeting the funeral expenses of a member.
The product covers a family consisting of a maximum of one principal member, a maximum of one spouse member, a maximum of 4 children and a maximum of 2 parents and a maximum of 2 parents –in- law.
Eligibility Age
Main member and spouse :Minimum Age at entry is 18 years and Maximum Age at entry is 70 years. There is no maximum coverage age for continuing members.
Parents: Minimum Age at entry is 18 years and Maximum Age at entry is 80 years.
Children: Minimum entry Age is 14 days and maximum coverage age is 18 years. Children who are still students shall be covered up to 24 years on proof of being a student
Waiting period-Three (3 )months waiting period for natural death. No waiting period is applicable for accidental death.
Shared benefit concept- claims are payable on the first six deaths per family in a policy year. Cover ceases on payment of the first six claims per family in a policy year. The affected families during the policy year can reinstate their cover by paying pro-rata premium.
Pays specified benefit in the event of death of declared and insured member.
New/Additional to members to be added to the policy upon declaration and payment of pro-rata premiums.Kshs.250 each for option 1 and Kshs.500 each for option 2 to option 6
Every member will automatically qualify for cover thereafter as long as the policy is renewed. Child’s cover will not be renewed upon attaining the age of 25 years unless as principal/spouse/parent.
No HIV/AIDS exclusions.
Suicide or attempted suicide within the first 6 months of the policy
Act committed by any life insured that is a violation of law or any criminal activities.
