Britam is one of the best insurance companies in Kenya.Below we provide the rates for the covers:
Milele Health Plan
Cover for a family
Advantage Plan
- Lifetime cover subject to annual renewal (Yes)
- Access to all providers on the Britam Panel (Yes)
- Pre-existing, chronic and congenital conditions covered to the full inpatient limit (Yes)
- Free annual wellness check up on principal and spouse (Yes)
- Free personal accident cover (Yes)
- Funeral expense cover (Yes)
- COVID-19 Treatment (Yes)
- Critical Illness cash benefit (Yes)
- Overseas Inpatient Referral Treatment in India (Yes)
- Health lifestyle and Stress Management Support (Yes)
- Telemedicine, Online Pharmacy & Medicine delivery (Yes)
- Inpatient cover from Kshs 300,000 – Kshs 10M (Yes)
- Minimum annual premium (Kshs.17,332)
Premier Plan
- Lifetime cover subject to annual renewal (Yes)
- Access to all providers on the Britam Panel (Yes))
- Pre-existing, chronic and congenital conditions covered to the full inpatient limit (No)
- Free annual wellness check up on principal and spouse (Yes)
- Free personal accident cover (Yes)
- Funeral expense cover (Yes)
- COVID-19 Treatment (Yes)
- Critical Illness cash benefit (Yes)
- Overseas Inpatient Referral Treatment in India (Yes)
- Health lifestyle and Stress Management Support (Yes)
- Telemedicine (Yes)
- Online Pharmacy & Medicine delivery (Yes)
- Inpatient cover from Kshs 300,000 – Kshs 10M (Yes)
- Minimum annual premium (Kshs.11,099)
Essential 1 Plan
- Lifetime cover subject to annual renewal (Yes)
- Access to medium and low cost providers on the Britam Panel (Yes)
- Pre-existing, chronic and congenital conditions covered to the full inpatient limit (No)
- Free annual wellness check up on principal and spouse (Yes)
- Free personal accident cover (No)
- Funeral expense cover (Yes)
- COVID-19 Treatment (Yes)
- Critical Illness cash benefit (No)
- Overseas Inpatient Referral Treatment in India (Yes)
- Health lifestyle and Stress Management Support (Yes)
- Telemedicine (Yes)
- Online Pharmacy & Medicine delivery (Yes)
- Inpatient cover from Kshs 300,000 – Kshs 5M (Yes)
- Minimum annual premium (Kshs.9,001)
Essential 2 Plan
- Lifetime cover subject to annual renewal (Yes)
- Access to mission and referral hospitals on the Britam Panel (Yes)
- Pre-existing, chronic and congenital conditions covered to the full inpatient limit (No)
- Free annual wellness check up on principal and spouse (Yes)
- Free personal accident cover (No)
- Funeral expense cover (Yes)
- COVID-19 Treatment (Yes)
- Critical Illness cash benefit (No)
- Overseas Inpatient Referral Treatment in India (Yes)
- Health lifestyle and Stress Management Support (Yes)
- Telemedicine (Yes)
- Online Pharmacy & Medicine delivery (Yes)
- Inpatient cover from Kshs 300,000 – Kshs 2M (Yes)
- Minimum annual premium (Kshs.8,127)
Milele Junior
Milele Junior allows you to get a standalone health cover that is solely dedicated to your child. This means that your loved one will get access to a variety of benefits catering for their medical insurance need. Whatever needs your child may have, Milele Junior will have a variant perfectly suited for it. Milele Junior will be there for the health requirements of your child until they turn 18, and once they do, they would seamlessly transition to our main Milele cover with minimal requirements.
Benefits
- Child Standalone Cover – Milele Junior provides you with an opportunity to cover your loved one, without the parent or the guardian having to take a cover on themselves.
- Fit for all – Milele Junior has four custom made options to choose from that provide differing level of benefits catering for the medical insurance needs of your child.
- Seamless Transition – Milele Junior will be there for the health requirements of your child until they turn 18 years old. Once they do, they would seamlessly transition to a main Milele cover.
- Comprehensive Protection – Bed & Lodger Charges, Pre-existing, chronic and congenital conditions, Doctors’ fees, Diagnostics, Covid-19 Cover and Prescribed drugs are all taken care of by Milele Junior.
Packages available
- Milele Junior Advantage: Provides Medical Insurance, With Free Annual Health Check Up, Critical illness cover of KES 5M & Last Expense cover. It provides coverage up to the full inpatient limit for pre-existing illnesses, chronic and congenital conditions. The variant is operational across the entire Milele list of service providers
- Milele Junior Premier: This variant is similar to Milele Junior Advantage but has a sub-limit structure for pre-existing illnesses, chronic and congenital conditions. The variant is operational across the entire Milele list of service providers
- Milele Junior Essential 1: This option targets a cost-conscious client seeking medical insurance & last expense cover. It is like the premier variant, with the main difference being access to a wide range of medium and low-cost hospitals within the Britam panel.
- Milele Junior Essential 2: This option targets a more cost-conscious client seeking medical insurance & last expense cover. It is like the premier variant, with the main difference being the access to mission and referral hospitals on the Britam panel.
Funeral Covers
Fariji
The Britam Fariji Plan will help your family cater for your funeral expenses in the event of your demise. It gives your family peace of mind when they need it most.
The plan provides protection cover only. Premiums are paid throughout the life of the insured. The sum assured is applicable to each family member and there is no limit to the number of family members.
The maximum insured age is 82 years. Anyone who meets the eligibility criteria can purchase a cash benefit from as low as KES 100,000 up to a maximum of KES 500,000.
- Benefits
- 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.
Family Funeral
The Britam Family Funeral Plan enables families to cater for funeral expenses in the event of death of a family member. Members of the covered group can include 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 such as brothers, sisters, grandparents etc. are not covered.
- Features
- The funeral plan covers least 4 family members as a stand-alone product.
- Minimum entry age is 18 years.
- Maximum entry age is 65 years 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 is KES 770.
- Maximum premium depends on the size of the family and option purchased.
- Benefit (Sum assured): Minimum Kshs. 150,000- Maximum Kshs. 500,000.
- Term- No minimum or maximum term.
- There is no medical examination required for the product.
- Premiums may be payable at various frequencies i.e. Monthly, quarterly, semi-annually, annually.
Travel Insurance
Benefits
- 24-hour emergency medical assistance
- Personal accident cover, including permanent total disability
- Compensation for travel delay
- Loss of traveler’s property
- Emergency medical expenses and evacuation
- Emergency dental care
- Repatriation of mortal remains
- Hospital benefits
- Personality liability
- Hijack coverage
- Loss of passport
- Cancellation and curtailment
- Travel delay
What’s Covered
- Trip cancellation or interruption
- Medical assistance
- Evacuation insurance
- Baggage and personal item loss
- Trip delays
- Lost or delayed baggage
- Medical coverage and evacuation
Personal Accident Covers
Student Personal Accident
Britam’s Student Personal Accident Cover is a comprehensive insurance policy designed specifically for students, providing financial protection in case of accidents or injuries. Here’s a breakdown of its key features:
What is covered
- Medical Expenses: Comprehensive coverage for medical treatment resulting from accidents.
- Accidental Dental Expenses: Assistance for dental treatments due to accidents.
- Permanent Disability: Financial support in case of permanent disability caused by accidents.
- Accidental Death: Providing financial relief to the family in the event of the insured’s accidental death.
- Last Expense: Assisting with the expenses related to the insured’s funeral arrangements.
How to cover and make a claim
Securing your peace of mind is simple:
- Contact Us: Chat with us on WhatsApp at 0793304927 to sign up for the cover.
- Personalized Assistance: Our team will guide you through the process, ensuring you understand the terms and coverage.
- Immediate Coverage: Once enrolled, you’ll have immediate access to the benefits of our student personal accident cover.
- Making a Claim: In the unfortunate event of an accident, reach out to us immediately to initiate the claims process. Our dedicated team will assist you every step of the way to ensure a smooth and hassle-free experience.
Don’t let uncertainties hold you back. Protect yourself with Britam’s Student Personal Accident Cover today.
Personal Accident Covers
Group Personal Accident
This is a special tailor-made group personal accident insurance scheme that covers death and total permanent disability and marginal hospitalization expenses arising out of an accident. This cover is beneficial to avoid unplanned costs and the increased administrative burden of filing & settling claims.
- There are three comprehensive plans available
- The insurance company handles all the claim matters
- The product can be tailor made to fit your requirements
- 24 hours, 365 days cover
- All valid claims will be paid out monthly with effect from the time the insurer receives all the required documents
Eligibility
- Lower limit – 18 years
- Upper limit – 70 years
Tegemeo Protection Plan
The Britam Tegemeo Protection Plan is a family protection insurance cover whose main purpose is to enable you to enjoy protection against death. This insurance plan provides financial coverage to your family in the event of your demise.
- Benefits
In the event of death of the insured:
- Beneficiaries will receive 100% of the sum assured.
- The plan has a high sum assured which can be used to offset various expenses such as funeral expenses, education expenses, among others.
Family Protection Plans
Family Income Solution
The Britam Family Income Solution provides financial support to your family in the unfortunate event of your untimely death. This solution pays your chosen beneficiary(ies) a monthly income equal to your chosen sum assured for the rest of your chosen benefit period.
- Features
- You select 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 your beneficiaries in the event of death.
- The benefit payments will continue for your chosen benefit period i.e. 3, 5 or 10 years.
Critical Illness Cover
The Britam Critical Illness Plan is a protection cover designed to provide an extra layer of financial security if you are diagnosed with a critical illness. It covers a comprehensive list of illnesses namely heart attack, stroke, cancer, kidney failure, coronary artery bypass 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.
Benefits
- 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
What you need for the cover
- Critical illnesses have recently become prevalent.
- Critical illnesses can affect a family’s breadwinner meaning there’s a direct impact on the family’s financial resources.
- Due to advances in medicine, typically, the outcome of a major health crisis is the survival of a patient rather than death. This means that a lot more resources are required for the recovery process.
- Sufficient protection against the financial shocks brought about by critical illnesses requires more than a usual life insurance cover.
Cancer Plan
The Britam Cancer Plan is an insurance cover that offers you to enjoy protection against a cancer diagnosis.
Importance of having Cancer plan
- In Kenya, options for financing of treatment costs for cancer and other critical illnesses are limited at best.
- The National Hospital Insurance Fund (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 per year.
- 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.
- Many people are forced to rely on savings/disposal of assets and fundraisings to meet the cost of treatment.
Features
- Minimum entry age 18 years
- Maximum entry age 60 years
- Maximum age of cover is 65 yrs
- Minimum Sum Assured- KES 500,000
- Maximum Sum Assured:
- With a medical checkup- None
- Without a medical checkup- KES 5M
Benefits
Cancer Plan (with a Medical Checkup)
- In case of a cancer diagnosis, we will pay you 100% of your sum assured.
Cancer Plan (without a Medical Checkup)
- You will be subjected to a one-year waiting period should you receive a cancer diagnosis.
- In case of a cancer diagnosis after the one-year waiting period, we will pay you 100% of the sum assured.
Group Funeral Cover
A group funeral cover is an insurance policy that covers the life of a person whilst being a member of a formal group to pay for funeral expenses.The policy enables employers, co-operative societies, welfare societies, and other affinity groups to provide means of financing funeral expenses when a member passes away. The Cash Benefit is paid to the member’s beneficiary within 72 hours of notification to Britam and confirmation through a burial permit or death certificate. No medical examinations are required and the cover extends to parents and parents–in-law.
Benefits
- Cash payment for funeral expenses.
- Covers natural or accidental death
- Cover extends to riots and HIV
Who qualifies
- Registered groups such as; SMEs, Microfinance Institutions, Sacco’s and Investment Groups
- The policy owner must be an employee member or member of an insured group
- Groups with less than 100 families can take Option 1 and Option 2
Group Life Cover
Group Life Cover
Britam’s Group Life Assurance is a cover that provides financial support to families of employees in the unfortunate event of their death. Our Group Life cover is ideal for Corporates, SMEs, Saccos, NGOs, Parastatals, Educational and Religious Institutions, to mention a few.
Benefits
- Members can carry on their day to day duties with the comfort that their beneficiaries will be well taken care of in the unfortunate event of their untimely death.
- A member can access the funds to pay for medical expenses of some critical conditions.
- The family of the deceased member can also use funds in the cover to clear loans, purchase a home, pay school fees etc.
- In case of disability, a member can also use the funds to purchase mobility aids such as wheelchairs, artificial limbs etc.
Scope of cover
- Primary Death Benefit
The policy provides cover against the risk of accidental or naturally caused death of an employee while in the service of an employer – 24 hours a day, seven days a week, worldwide. The cover includes passive war, riots and terrorism risks and employees living with HIV. The cover runs for one year and is renewable annually upon expiry.
Besides the standard death benefit, the following optional riders are offered under the cover;
- Critical Illness
- Permanent Total Disability (Group Disability Insurance Income)
- Last Expense
Group Personal Accident
Group Personal Accident
This is a special tailor-made group personal accident insurance scheme that covers death and total permanent disability and marginal hospitalization expenses arising out of an accident. This cover is beneficial to avoid unplanned costs and the increased administrative burden of filing & settling claims.
Benefits
- There are three comprehensive plans available
- The insurance company handles all the claim matters
- The product can be tailor made to fit your requirements
- 24 hours, 365 days cover
- All valid claims will be paid out monthly with effect from the time the insurer receives all the required documents
Eligibility
- Lower limit – 18 years
- Upper limit – 70 years
Medical Insurance Cover
Medical Insurance Cover
The Britam corporate medical cover, also known as Britam Milele Corporate, offers inpatient cover and a fund-managed outpatient cover. Our Health insurance cover provides a comprehensive and flexible cover for employees as well as their dependents. Registered companies, NGOs, as well as Chamas with more than 10 members are eligible. Our medical insurance cover is flexible allowing for employers to choose the expenses that will be catered for.
What is covered
- Routine outpatient consultation.
- Diagnostic laboratory & radiology services.
- Prescribed drugs and dressings.
- Dental & optical services subject to sub-limits and terms.
- Prescribed physiotherapy.
- Chronic, recurring & pre-existing conditions.
- HIV/AIDS and related conditions and ARVs.
- Routine antenatal and postnatal care.
- Routine immunizations.
Medical insurance Value Additions
- Mental wellness care in form of socio-support, 24 hr counselling support, stress management, teenage counselling, and family therapy.
- Physical wellness support including chronic disease management, nutrition advice, medical check-ups, medical camps, mother and child club, telemedicine, online pharmacy and drug delivery, and discounts with various pharmacies
- Financial wellness care including personal finance planning, financial management and investment products awareness.
Professional Indemnity
Professional Indemnity
Professional indemnity insurance is a form of liability insurance which helps protect professionals from legal liability that may arise due to acts of negligence, error or omission in the rendering of or failure to render professional services for others in the insured’s capacity as a professional.
Work Injury Benefits Act
Work Injury Benefits Act
Work Injury Benefits Act (WIBA) is an insurance cover that protects employers, should their employees incur injuries or die in the course of their work. It steps in to lift the employers’ financial obligation under work injury benefits act to compensate workers injured out of and in the course of employment.