Flexi Educator Plus

We understand that giving your children an education is a priority. That’s why we’ve designed the Flexi Educator Plus solution. Start saving for your children’s education so you can have peace of mind.

Be wary when you see:

• Waiver of Premium Benefit on accidental or non-accidental death, permanent and total disability, and first diagnosis of a critical illness
• Save and earn with guaranteed benefits/payouts
• Cash benefit payable on:
• Non-accidental death (value of the sum assured)
• Accidental death (two times the value of the sum assured)
• Disability caused by an accident (the payout is a variable amount of the sum assured based on the severity of the disability)
• First diagnosis of a critical illness (50% of the sum assured)

FADHILI Funeral Cover

Get cover for your entire family with FADHILI Funeral Cover. This cover will ensure that you can provide a decent send-off for your loved ones. If you don’t claim, you will get your cash back.

• Available to persons 18-65 years of age (parents up to 85 years)
• Cashback benefit payout after every 3 years if a policy is active (persistency bonus)
• Insure your family for up to KSH 1 million
• Monthly family income benefit for 12 months
• Flexible terms:
• Can increase or decrease benefits/level of cover
• Can add or remove members/dependants
• No limit on lives covered (only parents – maximum 4, and extended family – maximum 10; spouses and children have no limit)

Home Insurance Cover

Our Home Insurance provides cover for your house and contents to minimise the financial burden on your lifestyle when things go wrong. With this option, you can rest assured that your cover will pay out timely and properly.

Our Home Insurance provides cover to your house and/or house contents for physical loss and/or damage to buildings, and for physical loss and/or damage to contents caused by any of the following insured hazards/perils:

• Fire, lightning, explosion, storm, flood, impact involving a vehicle or animal
• Riot, strike and civil commotion
• Escape of water or oil from fixed water and heating appliances including washing machines
• Theft or attempted theft of house contents – covered on the basis of the sum insured and the declared value
• Falling trees or branches and the cost of removal of fallen trees caused by the insured hazards
• House break-ins or attempts – locks and doors will be covered
• Breakage of glass around the house – covered as per values agreed upon with the insured
• Damage to pipes and cables – covered on the basis of the sum insured
• Impact from aircraft and other aerial devices or particles dropped
• Cost of alternative accommodation following the occurrence of the insured hazards/risks
• Public liability and tenants liability up to the agreed limits with Sanlam
• Liability to domestic workers as per the Workers’ Compensation Act and up to the agreed limits with Sanlam

Motor Comprehensive Private Insurance

Your car is an essential part of your life. Make sure it’s sufficiently protected with our Motor Comprehensive Private Insurance. With this solution, you can continue to drive while we cover the risks.

The following will be covered:

• Injury, death and malicious damage
• Any loss or damage by accidental means, theft, fire, and malicious damage to the vehicle
• Vehicle towing charges (protection and removal)
• Alternative vehicle service in case of a crippling motor accident

Personal Accident Insurance Cover

An injury should never lead to loss. Insure with us and get compensated. From infants to adults, the whole family can be covered against injury with our Personal Accident Insurance solution.

• Available from infancy to 70 years, for all your family members
• Insures your family members, including your domestic workers, against bodily injuries
• Provides financial compensation for bodily injuries or the passing of a covered member
• Reimburses medical expenses incurred as a result of an accident to the insured
• The insured is compensated as a result of accidents leading to passing, permanent, temporary or total disablement, and incurred medical expenses

All Risk Cover

When your business is your main source of income, you need to insure it properly against all possible risks. Our All Risk Insurance option provides cover that lets you build up for when things break down.

All Risk Cover for businesses:

• Loss or damage to the whole or part of the property described by the insured customer

Major benefit extensions:

• Automatic reinstatement of value after loss by the customer
• Replacement value as per the assessed loss incurred by the customer
• Cover for losses incurred as a result of a riot, strike, civil commotion, storm, flood, and/or earthquake
• Cover for losses incurred during the transit business’s portable items
• Cover for electrical and mechanical breakdown of your insured machines

Public Liability Cover

Our Public Liability Insurance covers the damages that you are legally liable to pay, relating to an incident at your premises. Through this cover, you will be investing in your employees – the backbone of your business.

To compensate the insured for all damages which they will become legally liable to pay if the following events should take place:

• Accidental death of or bodily injury or illness of any person
• Accidental loss of or physical damage to tangible property
• Accidental obstruction, trespass, nuisance or interference with any right of way, air, light or water or other easement
• Unintended wrongful arrest up to the limit agreed with Sanlam
• Unintended defamation up to the limit agreed with Sanlam, occurring during the period of the policy and arising during or in connection with the insured’s business operations including the private dwellings or residences owned/rented/leased by the insured