Diaspora Last Expense Cover, is a funeral insurance product underwritten by Old Mutual Life Assurance Kenya Limited. It provides a cash benefit payout within 48 hours of a valid death notification to help cover funeral expenses for your loved ones in Kenya. For Kenyans in the diaspora, this cover ensures your family back home receives a dignified send-off without financial strain, eliminating the need for last-minute fundraising or the burden of unexpected costs. It offers peace of mind, allowing you to support your family from afar, with options for body repatriation if the deceased is in the diaspora.

The policy covers the principal member (you, as the Kenyan diaspora applicant), one spouse, up to 4 biological/adopted/stepchildren and optionally up to 2 parents and 2 parents-in-law. Legal guardians can be included with appropriate documentation, up to a maximum of 4 parents’ total. This is ideal for Kenyans abroad who want to protect their nuclear and extended family in Kenya.

The principal member and spouse can join up to age 60, with cover continuing as long as the policy is renewed annually (no cease age with continuous renewal). Parents and parents-in-law can join up to age 75 (ceasing at 85 in some terms, but renewable without cease if continuous). Children and siblings are covered from 3 months to 18 years, or up to 24 if in full-time education (with proof).

Benefit amounts range from USD 5,000 to USD 20,000 for the principal member, spouse, and children (capped at USD 840 for children under 10 per Kenyan Insurance Act). Parents and parents-in-law receive up to USD 3,500 (50% of the principal member’s benefit). Annual premiums for nuclear family (principal, spouse, up to 4 children) start at USD 150 for USD 5,000 cover, up to USD 600 for USD 20,000. Extended family (adding parents/parents-in-law) starts at USD 170, up to USD 650. Monthly options are available, e.g., USD 12.50 for nuclear family at USD 5,000 cover. Premiums are paid annually in advance and may be reviewed by the underwriter.

Yes. Single Claim Cover pays the sum assured upon the first death in the family within 12 months of policy start or renewal, after which the cover lapses and must be renewed. Multiple Claim Cover allows up to 3 claims (or 2 in some terms) per 12-month period, with only one claim per parent/parent-in-law. For Kenyan diaspora families, the multiple claim option provides broader protection for larger families back home.

Except for accidental death, there’s a 3-month waiting period from policy commencement during which no benefits are payable for natural death. Exclusions include risks from active participation in war, invasion, hostilities, civil war, rebellion, revolution, insurrection, military or usurped power, riot, or civil commotion. However, there’s no exclusion for HIV/AIDS or passive risks like terrorism, war as a victim, or similar events. This ensures coverage for common diaspora concerns like repatriation without war-related active involvement.

Yes, all insured lives must declare conditions like cancer, diabetes, hypertension, stroke, heart disease/angina, major organ failure/transplant, or HIV-related illness at application. Undeclared conditions may lead to claim denial. For declared illnesses, cover is capped at USD 3,500 in the first year, with full benefits reinstated afterward. This is crucial for Kenyan diaspora applicants covering family members in Kenya with known health issues.

Children under 10 have a maximum payout of USD 840 as per Kenyan Insurance Act Cap 487 – Sec 96. Those aged 19-24 must provide proof of full-time education to remain covered. For single parents in the Kenyan diaspora, up to 5 children can be included, making it easier to protect larger families back home.

To onboard, fill the online application form with: your ID/passport number, KRA PIN, dependents’ ID/passport/birth certificate numbers, legal guardianship documents (if applicable), and proof of full-time education for adult children. A medical health declaration is also required. As a Kenyan abroad, you can apply remotely via Diaspora Meds’ platform.

Submit a death notification (email or letter), duly executed claim form, certified burial permit/death certificate, copies of claimant and deceased’s ID/passport, birth certificate (if minor), and police abstract (if accidental). Claims are settled within 48 hours of full document submission. For Kenyan diaspora claimants, this quick payout helps manage funeral costs in Kenya efficiently from overseas.

The cover is worldwide, 24/7, and facilitates body repatriation for covered lives in the diaspora. However, it’s primarily designed for principal members in the diaspora covering family in Kenya. Parents and parents-in-law must reside in Kenya or be eligible for repatriation support.

The maximum sum assured per life is USD 20,000 across all policies. Non-renewal ceases cover, and re-application is treated as new with fresh terms (including waiting periods). For continuous coverage, set up automatic annual deductions. This is helpful for busy Kenyan diaspora professionals to avoid lapses.

Yes, the policy is renewable annually with no cease age if continuously renewed. Premiums are paid in full annually in advance and may be reviewed by the underwriter. For the Kenyan diaspora, this ensures long-term protection for family in Kenya without age-based termination.

If a covered life (e.g., parent in diaspora) passes away abroad, the policy facilitates repatriation to Kenya as part of the worldwide cover. The cash benefit can be used for repatriation costs, providing essential support for Kenyan families dealing with international logistics.

Any fraudulent documentation or conduct will lead to legal prosecution, and no benefits will be paid. Diaspora Meds and Old Mutual emphasize honest declarations to ensure smooth claims for genuine Kenyan diaspora needs.