The ABSA- DOVENEST Last Expense is a group last respect package that pays for funeral expenses arising from natural or accidental death in the insured group.

There are seven options offered for choice. Under any option of the cover, the policy will pay the prescribed sum assured, God forbid up to five (5) deaths per family per year upon death of the insured and named dependents.

Within 48 working hours after receipt and admission of complete and valid claim documentation.

Young people aged between 21 to 30 years are given cover on stand-alone basis for discounted premium. This includes orphans and those removed from scheme as dependents on turning age 25 years.

Corporate Requirements and Leaders’ role:
o Registration certificate copy
o Banking details where available and applicable
o Excel sheet on the prescribed and Provided template summarizing all members by group
Additionally, members to provide CLEAR Copies of the following MANDATORY documents:
o Complete proposal form for each member attaching the:
o Member’s ID or valid Kenyan passport
o Member’s KRA pin
o Member spouse’s ID or valid passport
o ID or valid passport of each Member’s BIOLOGICAL parents & parent/in-laws
o Member’s children: Birth certificate or notification or Passport or ID (> 18 years) for each child
o Affidavit of support for any non-biological child(ren) under 25 years

Yes. The maximum benefit payable in respect to the death of a child aged less than 10 years is Kshs 100,000 according to the Kenyan laws, Insurance Act, CAP 487, Section 96(1), (2).

Yes, One session per family, maximum two per year by Professional counselors on death of a nuclear family member.

The policy remains active with the Spouse, principal’s father, mother, father-in law, mother-in-law, or grown-up child taking over as principal members in that order as long as the policy is paid and active.

Yes, different options can be taken by members of the group but more than 50% will be on uniform limit

Yes. A member can make changes to the details of dependents covered to add, delete, or change as necessary by filling out and signing the appropriate forms. For example: Marriage occurring will add spouse and parent(s) in law joining, childbirth, etc. The additional member will be subjected to the applicable waiting period from the date of joining.

To THEIR Welfare Common e-mail (XXXXXYYY@GMAIL.COM) and copying the Dovenest on info@dovenestinsurance.com

Children: 4mths- 25 years
Parents & Parents in Law: 31-85 years
Principal & Spouse: 19-70 years
There is NO Maximum/exit age, subject to continuous cover renewal.

When group reaches a minimum of 10 principal members and others joining later will renew the following year together on the same date

Yes. 1 month for nucleus family and 3 months for parents and parents in law from the date of submission and payment. On policy renewal, the full premium should be paid within 30 days of cover renewal.

The policy will pay up to 5 claims without reinstatement per family per year. This is the maximum possible number of claims per year per family.

Claims are paid within 48 working hours after receipt and admission of complete and valid claim documentation.
Eligible claimant payee will be the Principal, Spouse, Child >=18years, Parent, Welfare Group, or a Legal administrator respectively
(a) Report to the Welfare Admistrator the unfortunate death then,
(b) Download or collect claim form from your Administrator or websites of Dovenest Brokers
(c) File Notification of Death through a duly filled claim form
(d) Welfare/Group leader’s verification signature/stamp & statement is required on the form
(e) Certified/Stamped Burial permit (by issuing hospital) or Death Certificate to be attached
(f) Attach Deceased’s identification document (ID, Birth Certificate, Passport)
(g) Attach National ID/Passport of member/claimant
(h) Attach Proof of Bank details of claimant
(i) Attach Police abstract for accidental/crime-related deaths
(j) E-mail the complete claim papers to info@dovenestinsurance.com and copy the welfare E-mail
(k) Provide place and time for Counselling therapy session for nuclear family loss of member

Risk covered arising directly or indirectly or traceable to any of the following events are excluded.
1. Breach of any criminal law by insured or anyone acting on his/her behalf or with your permission or knowledge or by anyone claiming a benefit under this Policy
2. Self-inflicted injury or attempted suicide within the waiting period or reinstatement of the policy
3. Driving a motor vehicle while over the legal alcohol limit.
4. Intake of illegal drugs or alcohol
5. Active and willful participation in war, civil commotion, riot, terrorist activity, or rebellion
6. Radioactivity or nuclear explosion
Policy does not Exclude: Political Violence and Terrorism Extension, AIDS/HIV and suicide subject to waiting periods applicable.

Members will get annual certificates showing covered persons and premiums paid with cover summary. The master policy is issued to the Insurance Broker.

Yes, one can take as many covers as possible until the maximum limit of the insurer of Kes 1m under Absa Life Assurance Kenya. The cover is not subject to Indemnity Principle of insurance. This cover will pay the promised amount of money in exchange for a premium on the death of the member or the named and admitted dependent for the period of one year.
It will also pay for any/all parent(s) named multiple times by siblings subject to Kes 1 million.