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Engishu Insurance Agency. The Foremost Provider of Insurance Services in Kenya.
+254759840614
Email: cover@engishu.com
Engishu Insurance Agency
1st Floor, CPA Center (Block A) Thika Road, Nairobi, Kenya
QUESTIONS? CALL: +254759840614 | Get an Instant Private Motor Insurance Quote
Family Protection Plans
Protect Your Family Against the Distress of Unforeseen Circumstances
Lumpsum Payment Plan
Tegemeo is a family protection insurance cover whose main purpose to enable individuals to enjoy protection against death. This insurance plan provides financial coverage to a policy holder's family in the event of his or her demise.
Benefits
- In the event of death of insured, the policy pays 100% of sum assured
- In the unlikely event of loss of life, the plan has high sum assured which can be applied to various purposes such as providing for funeral expenses, education expenses and inheritance among other needs
Monthly Payment Plan
Britam’s family Income is a solution that provides financial support to your family in the unfortunate event of your untimely death, Britam will pay your chosen beneficiary(s) a monthly income equal to your chosen sum assured for the rest of your chosen benefit period.
Benefits
- One selects the sum assured and a benefit period at the onset of the policy.
- The sum assured is the monthly amount that will be payable to the beneficiaries in the event of the life assured’s death.
- The benefit payments will continue for your chosen benefit period i.e., 3, 5 or 10 years.
Critical illiness Cover
The Britam Critical Illness Plan is a protection cover designed to provide an extra layer of financial security if one is diagnosed with critical illness. It covers a comprehensive list of illnesses namely heart attack, stroke, cancer, kidney failure, coronary artery bypasses surgery, aortic surgery, heart valve surgery, major organ transplant, paraplegia, coma, blindness, multiple sclerosis, accidental brain damage, motor neuron disease, dementia (including Alzheimer's and Parkinson's disease). Any Kenyan Citizen aged 18-60 is eligible to apply and take this cover.
- The amount of premium one pays will depend on age and the amount of the sum assured (chosen benefit).
- The premiums are affordable and are payable in a flexible way; monthly, quarterly, semi-annually or annually.
- Various premium payment options are available e.g. Employer salary check-off, direct debit, personal cheques or mobile money transfer.
- Britam will pay a lump sum amount equal to the sum assured in the event one is diagnosed with any of the defined critical illnesses.
- This policy gives you access to personalized service by Britam
- Critical illnesses have recently become prevalent.
- Many times, critical Illnesses hit the family’s breadwinners hence affecting families financially and disabling the lifestyle a unit is used to.
- Nowadays, the outcome of a major health crisis is more likely to be survival than death. This means that more people need financial support during recovery.
- Sufficient protection against the financial shocks brought about by critical illnesses requires more than a usual life insurance cover.
This is an individual financial planning tool whose main purpose is to enable you to enjoy financial protection in the unfortunate instance of a cancer diagnosis.
- In Kenya, options for financing of treatment costs for cancer and other critical illnesses are limited at best.
- NHIF provides some cover for cancer treatment, however, the benefits are capped as follows;
- Radiotherapy: maximum of KES 18,000 per week (five sessions) up to a maximum of 20 sessions per family p.a.
- Chemotherapy: Basic level at KES 25,000 per cycle capped at 6 cycles per family per financial year and Complex level up to KES 150,000 per cycle capped at 4 cycles
- Health Insurance covers mostly limit the amount of coverage for most critical illnesses or exclude them altogether.
- Most people are forced to rely on savings/disposal of assets and “Harambees” to meet the cost of cancer treatment.
- There are two options that are available:
- Cancer Insurance with Medical Cover
- Cancer Insurance without Medical Cover
- Minimum entry age 18 Years; Maximum entry age 60 years.
- Maximum Age of cover is 65 yrs.
- Minimum Sum Assured – 500,000
- Maximum Sum Assured
- With Medicals - None
- Without Medicals- 5,000,000
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This is an individual financial planning tool whose main purpose is to enable you to enjoy financial protection in the unfortunate instance of a cancer diagnosis.
- In Kenya, options for financing of treatment costs for cancer and other critical illnesses are limited at best.
- NHIF provides some cover for cancer treatment, however, the benefits are capped as follows;
- Radiotherapy: maximum of KES 18,000 per week (five sessions) up to a maximum of 20 sessions per family p.a.
- Chemotherapy: Basic level at KES 25,000 per cycle capped at 6 cycles per family per financial year and Complex level up to KES 150,000 per cycle capped at 4 cycles
- Health Insurance covers mostly limit the amount of coverage for most critical illnesses or exclude them altogether.
- Most people are forced to rely on savings/disposal of assets and “Harambees” to meet the cost of cancer treatment.
- There are two options that are available:
- Cancer Insurance with Medical Cover
- Cancer Insurance without Medical Cover
- Minimum entry age 18 Years; Maximum entry age 60 years.
- Maximum Age of cover is 65 yrs.
- Minimum Sum Assured – 500,000
- Maximum Sum Assured
- With Medicals - None
- Without Medicals- 5,000,000
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