The parent is covered at full benefit with priority to the sibling’s cover option who shall have enrolled first. Only one more subsequent sibling can be allowed, and shall receive the lesser of the difference between the first sibling’s cover option and the maximum of Kes 750,000 subject to the second sibling’s option e.g.
i) 1st sibling option Kes 500,000 is payable in full
– 2nd sibling option is Kes 500,000 only Kes 250,000 is payable
ii) – 1st sibling option Kes 200,000 is payable in full
– 2nd sibling option is Kes 500,000 then Kes 500,000 is payable to second sibling
iii) – 1st sibling option Kes 300,000 is payable in full
– 2nd sibling option is Kes 500,000 then Kes 450,000 is payable to second sibling
The decision regarding who joined first solely lies with KUSCCO Mutual Assurance. Where a scenario of same date of joining occurs, and the sum of options are less than Kes 750,000 proportionate division of the benefits shall be applied.
I have covered my parents inlaws, however, I cannot ask for their IDs due to society norms and discretion to claim, can you consider burial permit instead?
In today’s world, we have realized the use of smart phones with ability to take photo and share via social platforms (WhatsApp) has made this easy. Also, the spouse can be engaged to get the photos without suspicion. Kindly, this is a requirement and just like the Burial Permit can be provided, this too can be provided.
I am a widow, I had enrolled my husband/wife to the scheme, now I am re-married, can I add the new spouse to the scheme? If yes , what is the procedure ?
The benefit for the loss of a spouse covered shall have already been paid in the cover period, and a new spouse can only therefore be covered at the next renewal. A notification of the same shall be needed at renewal date to allow for nomination of the new spouse.
I was single when I joined the scheme , now I have kids and is married , can I add my new family to the scheme , if yes , what is the procedure?
Yes, this family can be added in the course of the running cover period.
I have finalized on my divorce, I am now separated, and can I remove my spouse from the scheme?
Yes. This can be done when your notification is shared to us. However, a new spouse cannot be introduced in the same cover period but only at renewal.
My dependents/nuclear family have lost their identification documents in their demise in mysterious circumstances e.g. airplane crash, can I claim with a burial permit instead?
This is why we highly encourage and insist that documentation be provided at the time of application into the scheme. This also makes claims documentation and settlement very fast and within the 48hours. In a case where these has not happened, a case by case review of the circumstance can be undertaken and a substitute document communicated.
Where do you wire my funds if I claim, to Sacco, my account or M-Pesa?
This depends with scheme. Where it is the SACCO that has taken cover for its members, and is the sponsor of such a cover we shall wire the benefit to the SACCO. Where members are paying for it even if through the SACCO, our claims forms provide for declaration of Bank Details to enable direct payment.
Am I eligible for any refund in the event I withdraw from the product?
NO. Once you opt out of the scheme, there shall be no refund payable during or after the renewal period which is annually
I enrolled my dependents at age 69 but her/his demise at age 90 do I qualify to claim?
Can I contribute annually, semi-annually?
YES. This is highly encouraged especially for members whose monthly deductions are on M-Pesa and would forget to remit their monthly contributions. However, there will be no refund in case you opt out of the product.
I skipped my contribution, am I eligible to claim?
No this is NOT possible. You need to be contributing consistently to the scheme on a monthly, Semi-annual or Annually
I skipped my contribution, can I backdate the payments to be eligible to claim?
No this is NOT possible. You need to be contributing consistently to the scheme on a monthly, Semi-annual or Annually.
I skipped my contribution, can I pay up and catch up on my payments?
YES, Only IF you not claiming immediately. 3 months duration to claim shall APPLY.
When does the policy take effect?
Once forms and documentation are received +first installment. For continuing members, this is not necessary.
Other Key Important Information
- Covers Member, member spouse, up to 4 children, biological parents and biological parents’ in-law, declared siblings at inception.
- Spouse is defined by marriage or an affidavit. Children are defined by birth certificate, adoption documents or an affidavit.
- Pays benefits for up to a maximum of 5 deaths per family per year.
- Member and spouse entry age – 18 to 70 years: children cover ages – 1 month to 18 years (24 years if still in college: perpetual cover for special children): parents and parents’ in-law entry age – 18 to 85 years: siblings cover ages – 1 month to 70 years.
- New entrants (not currently in the existing Welfare): Member, spouse and children waiting period – 1 month: parents and parents’ in-law and siblings waiting period – 3 months for death by natural diseases. NO WAITING PERIOD FOR DEATH BY ACCIDENT.
- Members are not subjected to any medical requirements up to the limits indicated.
- Each member can opt for higher benefit as he/she wishes but at premiums indicated
- Policies have NO HIV/AIDS exclusion. We pay claims irrespective of cause of death.
All required documents MUST have been received in order for claims to be honored. The
i) Executed affidavits MUST be produced where required documents are not available e.g. Birth Certificates, legal adoption documents, guardianship/sponsorship, Marriage Certificates etc.
ii) Where child is in college, college ID copies should be attached.
iii) Dully filled in Claim form
Safaricom Sacco Contacts
Westlands | Westlands Safaricom Care Centre (SCC) First Floor
P.O BOX 2392-00606
Westland’s , Nairobi Kenya
- Monday to Friday8.00am – 5.00pm