Britam Insurance Kenya Funeral Cover


If you have a loved one who is critically sick, you can cover them with Britam Funeral Insurance cover. The cover is also important for ageing population.

Everyone will die, eventually. If possible, nobody should stay without funeral cover. This will help pay funeral bills, hence reducing the burden of fundraising for the funeral.

There are two overs under Britam Insurance:

  1. Fariji cover
  2. Family Funeral cover

Fariji cover

It provides a cover for funeral expenses. The benefits are as low as Ksh 100,000 and as high as Ksh 500,000.

Benefits of the cover

  • 50% of the cash benefit is paid within 72 hours of notification to Britam though a burial permit and the 50% upon submission of death certificate. 
  • No medical examinations are required. 
  • Cash benefit and premium payable are guaranteed up to your 75th birthday. 
  • The cash benefit is paid to your beneficiary, and they have discretion on how it will be utilized. 

The benefits can help the family pay hospital bills, any debts left behind or bills left by the deceased.

Family Funeral cover

It covers funeral expenses in the event of death of the covered family member.

Members of the covered group can include only members of a nuclear family (spouse and children including the legally adopted) and the biological parents of both spouses below age 75 years. Extended family members like brothers, sisters, grandparents etc. are not covered. Individuals who may want to buy should be ready to pay the minimum premium for any option. One can also buy for less than 4 but again pay the minimum for any option.

  • Features
  • The funeral plan is sold to a family at least 4 lives assured as a stand-alone product. 
  • Issue ages: Minimum is 18 years. Maximum 65 years at entry for the primary covered. 
  • School-going children up to the age of 23 may also be covered. 
  • Maximum age on cover is limited to 82 years. 
  • Minimum premium: Ksh 770 -Maximum depends on the size of the family and option purchased. 
  • Benefit (Sum assured): Minimum Ksh 150,000- Maximum Ksh 500,000 
  • Term – No minimum or maximum term 
  • There is no medical examination for the product. 
  • Premiums may be payable at various frequencies i.e., monthly, quarterly, semi-annually, annually. 

Fariji cover is a good one because it benefits even those left behind. This is the ideal cover you should take when you feel like those you left behind should benefit, to prevent them from suffering.

Most people underestimate the cost of funeral. But when death hits your family, that’s the time you’ll know that it’s expensive. It can cost upwards of Ksh 500,000. If you are from a humble family, you will struggle to raise the funds. But with a cover, you will not worry of anything because the costs will be covered by the insurance company.

When a family member is suffering from a chronic disease, you are sure they won’t survive for long. You better plan for their funeral by getting a funeral cover.

The premium of Ksh 770 per month is not a lot—you can afford.


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