Non-disclosure of pre-existing conditions, failure to meet waiting periods,
or missing supporting documents can all increase the risk of repudiation.
FAQs
Generally asked questions
Group Funeral Scheme claims: 24-48 hours, and Motor Vehicle Insurance and Non Motor Insurance claims: 48 hours to 2 weeks.
Motor Vehicle Insurance focuses on vehicles and road-related liabilities, while
Non Motor Insurance covers property, contents, travel, and other asset risks.
Group Funeral Scheme
This cover is for the policyholder, spouse, up to 6 children, and 4 parents,
with extended family options available as add-on lives.
The scheme provides a 12-month premium waiver on all insured lives and includes
a continuation option for beneficiaries.
Yes. Monthly top-up, tombstone, and monthly cash back benefits sit alongside
the main funeral cover.
Group Life Assurance
It is designed for uniformed and non-uniformed BDF members as the core target
group for this assurance product.
No. The plan is offered without medical underwriting.
Yes. This product includes an optional life cover for a spouse.
Group Credit Life
It is designed to pay the outstanding debt if the borrower dies or becomes
totally and permanently disabled.
The cover applies to Dikwata Insurance Agency SACCOS scheme loans.
The policy period should coincide with the loan duration so that cover stays
aligned with the debt it is meant to protect.
Motor Vehicle Insurance
Yes. Occupant medical expenses, trauma counselling, and lost-key support sit
alongside the main vehicle cover as additional benefits.
Non Motor Insurance
Homeowners insurance applies to the physical structure, while householders cover
focuses on contents and personal effects within the home.
It covers movable personal effects and accessories that are worn or carried on the person. Only legible for this when have Householders Cover
Storm, fire, lightning, flood, theft, and weather-related damage are all included
depending on the cover type.