Milele Life Plan
A specially packaged life cover in which a single insurance contract (plan/policy) covers many people.
What is Milele Life Plan?
Milele Life Plan refers to a specially packaged life cover in which a single insurance contract (policy) covers many people.
Diaspora family services and a leading multinational life insurer have set up Milele Life insurance Plan, where each person chooses their own sum insured from a given table of benefits and cost but their details are held individually.
Upon joining a Member enjoys all benefits of a corporate group life insurance plan including a generous Free cover limit of Kshs 10,000,000.00 which is over and above what most corporate group life schemes in the market offer.


Why Choose Milele Life 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
Ngamia
Farasi
Kifaru
Ngamia
Sum Assured – Ksh 250,000
- Premium - Ksh 3,000/Year
- Death benefit- Ksh 250,000
- Permanent Disability - Ksh 250,000
- Critical Illness - Ksh 75,000
- Last Expense - Ksh 50,000
Waiting period: 90 days for illness related death; NONE for accidental death.
Claim Documentation:
> Last Expense benefit: Burial permit, Copy of member and beneficiary id.
> Critical illness & Total disability: Doctor’s evidence and supporting documentation.
> Death: Original death Certificate and Copy of deceased member id.
Farasi
Sum Assured – Ksh 500,000
- Premium - Ksh 4,000/Year
- Death Benefit - Ksh 500,000
- Death Benefit - Ksh 500,000
- Critical Illness - Ksh 150,000
- Last Expense - 50,000
Waiting period: 90 days for illness related death; NONE for accidental death.
Claim Documentation:
> Last Expense benefit: Burial permit, Copy of member and beneficiary id.
> Critical illness & Total disability: Doctor’s evidence and supporting documentation.
> Death: Original death Certificate and Copy of deceased member id.
Kifaru
Sum Assured – Ksh 1,000,000
- Premium - Ksh 5,000/Year
- Death Benefit- Ksh 1,000,000
- Permanent Disability - Ksh 1,000,000
- Critical Illness - Ksh 300,000
- Last Expense - Ksh 100,000
Waiting period: 90 days for illness related death; NONE for accidental death.
Claim Documentation:
> Last Expense benefit: Burial permit, Copy of member and beneficiary id.
> Critical illness & Total disability: Doctor’s evidence and supporting documentation.
> Death: Original death Certificate and Copy of deceased member id.
“Last Expense (funeral/burial costs) is Paid within 24 hours of notification of death, and it is an advance of the sum assured.”
NDovu
chui
simba
Ndovu
Sum Assured – Ksh 2,500,000
- Premium - Ksh 12,000/Year
- Death Benefit - Ksh 2,500,000
- Permanent Disability - Ksh 5,000,000
- Critical Illness - Ksh 750,000
- Last Expense - Ksh 125,000
Waiting period: 90 days for illness related death; NONE for accidental death.
Claim Documentation:
> Last Expense benefit: Burial permit, Copy of member and beneficiary id.
> Critical illness & Total disability: Doctor’s evidence and supporting documentation.
> Death: Original death Certificate and Copy of deceased member id.
Chui
Sum Assured – Ksh 5,000,000
- Premium - Ksh 20,000/Year
- Death Benefit - Ksh 5,000,000
- Permanent Disability - Ksh 5,000,000
- Critical Illness - Ksh 1,500,000
- Last Expense - 250,000
Waiting period: 90 days for illness related death; NONE for accidental death.
Claim Documentation:
> Last Expense benefit: Burial permit, Copy of member and beneficiary id.
> Critical illness & Total disability: Doctor’s evidence and supporting documentation.
> Death: Original death Certificate and Copy of deceased member id.
Simba
Sum Assured – Ksh 10,000,000
- Premium - Ksh 40,000/Year
- Death Benefit - Ksh 10,000,000
- Permanent Disability - Ksh 10,000,000
- Critical Illness - Ksh 3,000,000
- Last Expense - Ksh 250,000
Waiting period: 90 days for illness related death; NONE for accidental death.
Claim Documentation:
> Last Expense benefit: Burial permit, Copy of member and beneficiary id.
> Critical illness & Total disability: Doctor’s evidence and supporting documentation.
> Death: Original death Certificate and Copy of deceased member id.
Benefits Breakdown
- Permanent total disability: This benefit is paid if insured becomes permanently disabled by accident or illness.
- Critical Illness benefit is paid if member is diagnosed for the first time with a critical illness (as defined in the policy) such as cancer, stroke, heart disease, or paralysis.
- Death: This benefit is paid if member dies as result of illness or accident after waiting period specified in the policy.
- Last 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 and/or Critical illness claim
- Doctor’s proof and evidence of critical illness or permanent disablement.
- Medical records.

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.