Milele Funeral Plan

Designed to avail immediate cash lump sum to families in the event that they lose a loved one.

What is Milele Funeral Plan?

The loss of a loved one is one of those things that we hope will never happen to us although we know deep inside that it will knock at our door at one point.

Milele Family Umbrella Plan is designed to avail immediate cash lump sum to families in the event they lose a loved one. The plan is open to any Kenyan in good health as defined below.

PRINCIPAL MEMBERS: The age at entry into the scheme for the principal members should be between 18-70 years.

DEPENDANTS (Spouse(s), children, own parents and parents-in law.): The age at entry into the scheme for a dependent child should be between 5 – 18 years, while age at entry into the scheme for a dependant parent should be up to 80 years. For parents above the age of 80, a declaration of good health will have to be filled and cover will be held with an appropriate loading on the premium.

DOCUMENTATION: We shall require identification documents of all principal members at entry.

PREMIUM: This must be paid in advance at the commencement of cover. The subsequent premiums will be calculated at the renewal date, subject to any changes within the group, claims experience or changes made by the insurer.

Where the family consists of members who do not fall under the defined categories of the scheme, (eg extra or over age children) an extra premium will be charged.

milele funeral plan

A dependant once admitted into the scheme will be covered continuously for life or until: The principal member on whom they depend on ceases to be a member of the scheme, or on death, or if cover is cancelled in accordance to the terms and conditions of the policy (for example premiums have not been paid, there is proof of fraud on the part of the member, etc.).

Benefits

Fahari

Twiga

Jogoo

Fahari plan

Sum Assured – Ksh 100,000

Eligibility:
Principal Member 18 – 80 years old
Death Benefit Kshs 100,000
Payable within 48 hours upon notification of the death of the Member by illness or accident.
Waiting period from confirmed commencement date:
30 Days for Adult members up to age 80 years old.
180 Days for members above 80 years old
No waiting period for accidental death or at Renewal.

Twiga plan

Sum Assured – Ksh 200,000

Eligibility:
Principal Member 18 – 80 years old
Death Benefit Kshs 200,000
Payable within 48 hours upon notification of the death of the Member by illness or accident.
Waiting period from confirmed commencement date:
30 Days for Adult members up to age 80 years old.
180 Days for members above 80 years old
No waiting period for accidental death or at Renewal.

jogoo plan

Sum Assured – Ksh 100, 000

Eligibility:
Principal Member 18 – 80 years old
Death Benefit Kshs 100,000 per person
Payable within 48 hours upon notification of the death of the Member by illness or accident.
Waiting period from confirmed commencement date:
30 Days for Adult members up to age 80 years old.
180 Days for members above 80 years old
No waiting period for accidental death or at Renewal.

Sungura

Swara

mamba

Sungura

Sum Assured – 200,000

The Benefits in this Policy shall be paid on accidental or illness DEATH of any of the family member as below:

Principal Member, One spouse, and own Children (4 Maximum)
Death Benefit Per Claim Kshs 200,000 ( Maximum 5 Deaths)

Eligibility: 5 Years – 80 Years

Waiting period:

1).30 Days from the confirmed commencement date of the cover.
2).No waiting period for accidental death or at Renewal.

Swara

Sum Assured – Ksh 100,000

The Benefits in this Policy shall be paid on accidental or illness DEATH of any of the family member as below:

Principal Member, One spouse, own Children (4), own Parents, own Parents in law
Death Benefit Per Claim Kshs 100,000 ( Maximum 5 Deaths)

Eligibility: 5 Years – 80 Years

Waiting period:

1).30 Days from the confirmed commencement date of the cover.
2).No waiting period for accidental death or at Renewal.

mamba

Sum Assured –  Ksh 200,000

The Benefits in this Policy shall be paid on accidental or illness DEATH of any of the family member as below:

Principal Member, One spouse, own Children (4), own Parents, own Parents in law
Death Benefit Per Claim Kshs 200,000 ( Maximum 5 Deaths)

Eligibility: 5 Years – 80 Years

Waiting period:

1).30 Days from the confirmed commencement date of the cover.
2).No waiting period for accidental death or at Renewal.

Why join Milele Funeral Plan?

We are the only company dedicated to ensuring that members will never go through the pain of losing their loved ones alone – we will be there to hold their hands and console them by ensuring that immediate cash is available when they need it most.
We are fully computerized.
Our policies do not have an AIDS EXCLUSION clause.
Our claims payment standard is unparalleled in the industry.
Our insurer claims documentation is simple and straightforward.

Cover Limits

The principal member will decide on the option of cover. The option so decided shall be uniform for all the family members of their family.

New members can join the scheme at any time during the course of the year but full year premium must be paid regardless of the period of joining. This is because accidental death is covered from day one and to harmonise entry date of the scheme.

HIV/AIDS EXCLUSION CLAUSE: There is no AIDS EXCLUSION clause under this product!

Claim Requirements

The documents required for settlement of a death claim are:
Death notification letter
Original burial permit
Copy of the National identity card of the deceased if it had not been submitted previously.

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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.