Insurance

Who is covered under the KCB Last Expense Cover?

1. The principal member

2. Spouse to principal member

3. 4 children each up to 21 years of age (25 years if the child is a student at a registered institution)

4. Parents and parents in law to principal member

Requirements

• For principal member: KCB account number, copy of National ID or passport, KRA PIN, spouse’s copy of National ID or passport; children (s) birth certificate or birth notification if less than 2 years.

• For parents and in-laws: copy of National ID or passport.

Addition of Members

Members (i.e. spouse, parents in law or children) could be added at any date during the policy period. They will automatically be covered within the benefit option enjoyed by the family but waiting periods apply. Addition of members shall be allowed ONLY if they did not exist at application.

No additional premium will be charged if the added member(s) is within the main package.

Waiting Period

The policy has 60days waiting period from the admission date (cover start date) on all causes of death except Accidental. Non-accidental claims within the waiting period will not be payable.

When Do I Claim?

You can only claim for natural cause of death if your policy has been active for 3 months and premiums have been paid. However, if death occurs due to an accident, you can claim immediately.

Claims are paid within 48hrs after all the required claim documents have been submitted to Liberty Life.

*A natural death claim will be paid if the policy has been in force for a minimum period of

2 months and premiums have been received in full.

Simba Junior and Senior Policies  

Everyone deserves a happy and healthy life. Protect those that you love with the Simba Health Junior and Senior medical covers: