Milele Accident Plan

It is a harsh reality that most families in Kenya can not survive on their breadwinner savings if they pass away suddenly as a result of accidents. Families with children are the hardest hit because in addition to being forced by circumstances to change their lives, their children could drop out of school in a matter of months. The Milele Accident Plan is designed to protect you and your loved ones in case the unfortunate happens. 

What is Milele Accident Plan?

Milele Accident Plan is a special insurance for individuals who would ordinarily NOT qualify for group life insurance as it is reserved for corporates. The policy term is 1 year renewable annually. Entry age is 18 – 75 years.(Members in the scheme are covered up-to 81st birthday)

Our products and services are designed to help our clients create, preserve and transfer wealth while minimizing risk so that they continuously improve their lifestyles and meet their business goals. If the worst happen, our client will be happy to know that their families will never lack. Insured lumpsum benefits range between Kshs 1M to 10M as per the options  below:

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Benefits

Copper

Bronze

Silver

copper

Sum Assured – Ksh 1,000,000

Claims Requirements

A completed Personal Accident claim form (original).

All original medical receipts.

Copies of sick leave certificates, if applicable.

Documents issued by doctor/clinic/hospital, if applicable.

Death certificate.

Any additional information and documents as and when required by insurer.

Bronze

Sum Assured – Ksh 2,000,000

Claims Requirements

A completed Personal Accident claim form (original).

All original medical receipts.

Copies of sick leave certificates, if applicable.

Documents issued by doctor/clinic/hospital, if applicable.

Death certificate.

Any additional information and documents as and when required by insurer.

silver

Sum Assured – Ksh 3,000,000

Claims Requirements

A completed Personal Accident claim form (original).

All original medical receipts.

Copies of sick leave certificates, if applicable.

Documents issued by doctor/clinic/hospital, if applicable.

Death certificate.

Any additional information and documents as and when required by insurer.

“Funeral Expense (burial costs) is Paid within 24 hours of notification of death, and it is an advance of the sum assured.”

Gold

Diamond

platinum

Gold

Sum Assured – Ksh 5,000,000

Claims Requirements

A completed Personal Accident claim form (original).

All original medical receipts.

Copies of sick leave certificates, if applicable.

Documents issued by doctor/clinic/hospital, if applicable.

Death certificate.

Any additional information and documents as and when required by insurer.

diamond

Sum Assured – Ksh 7,500,000

Claims Requirements

A completed Personal Accident claim form (original).

All original medical receipts.

Copies of sick leave certificates, if applicable.

Documents issued by doctor/clinic/hospital, if applicable.

Death certificate.

Any additional information and documents as and when required by insurer.

platinum

Sum Assured – Ksh 10,000,000

Claims Requirements

A completed Personal Accident claim form (original).

All original medical receipts.

Copies of sick leave certificates, if applicable.

Documents issued by doctor/clinic/hospital, if applicable.

Death certificate.

Any additional information and documents as and when required by insurer.

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Why Choose Milele Accident Plan?

  • Very suitable for self-employed people with irregular monthly incomes.
  • Generous sums insured.
  • Low annual premiums but generous death benefits
  • Open to all Kenyans including groups who may enrol into the scheme as a distinct entities
  • Simple proposal form.
  • No medical examination required for new Member aged between 18 and 64 years.
  • Those aged between 65-75 years undergo free medical examination before cover is confirmed.
  • No medical examination for sums insured up Kshs 10 Million.

Benefits Breakdown

  • Permanent total disability:  This benefit is paid if insured  becomes permanently disabled by accident
  • Death: This benefit is paid if member dies as result of an accident after waiting period specified in the policy.
  • Funeral Expense : This is an advance of death benefit paid within 24 hours of notification of death.
  • Additional coverage: This policy covers members for death or Permanent disability as a result of riots, strikes, civil , political violence, hijack and terrorism (where member does not actively participate)

Claim Requirements

Last expense and death claims

  • Valid Copy of:
  • Member & beneficiary’s IDs
  • Burial permit
  • Death Certificate will be required to pay the final benefits after burial of the member.

Permanent disability claim

  • Doctor’s proof and evidence of permanent disablement.
  • Medical records.
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Administrator

Diaspora family services limited is the administrator of the scheme and keeps all members records at a fee included in the premium quoted. No extra amount is required for the rest of the year. All claim benefits are paid directly to the member or their nominated beneficiaries on record except where there is succession dispute in which case  the benefit is paid to the administrator of the deceased’s estate after valid evidence of such is presented to the insurer.

Termination:  Cover ceases upon lump sum payment of Permanent & Total disability claim OR Death