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PRUDahari-Dumu

Your short-term saving policy that lasts and lasts

Product Features

PRUDahari-Dumu is a flexible savings product that is designed to help you achieve your short term ambitions. It is a very unique cover because it does not lapse. This means your policy remains active even when you cannot meet your premium payment obligations on time.

  • Enjoy a free 12th month of not paying premium when you fully pay the 11 months on time.
  • The policy will not lapse as long as premiums have been paid for the initial 6 months.
  • It is a short term product with a policy period of 5 to 10 years.
  • Lump sum amount paid at the end of the policy term ranges from Kshs.100K to Kshs. 80M.
  • Minimum eligible age is 18 years and maximum is 59 years.

Product Benefits

Affordable and Flexible
                                    premiums
Affordable and Flexible premiums

Start saving for your dream while enjoying affordable premiums

No-Lapse Guarantee
No-Lapse Guarantee

You will not lose your money as long as premiums have been paid for the initial 6 months

Free one month of cover
Free one month of cover

Enjoy free 12th month if premium for all other 11 months are paid

Enjoy best incentives
Enjoy best incentives

When you pay premiums regularly and on time

Learn more

  • Product Benefits
    Maturity Benefit
    • Enjoy full 100% benefit, a lump sum amount of money at the end of your policy term
    Death Benefit
    • Your family and beneficiaries will receive the full 100% benefit, a lump sum amount of money, upon your passing on, caused by natural causes.
    • Your family and beneficiaries will receive twice the benefit, 200% benefit, a lump sum amount of money, upon your passing on, caused by an untimely accident.
    • Prudential will also waive the premiums meaning that there will be no more premiums to pay.
  • Optional Benefits (Riders)
    Critical Illness Benefit
    • This benefit helps in taking care of your medical bills in case you are diagnosed with a critical illness, the benefit is paid out immediately after the diagnosis.
    • The critical illness benefit amount is 50% of the main life policy benefit amount.
    • Settlement of a critical illness claim automatically terminates the benefit since it can only be claimed once during the policy term.
    • Prudential will also waive any future premiums meaning that there will be no more premiums to pay.
    • The maturity benefit will still be paid to you when the policy matures.
    Total & Permanent Disability Benefit
    • If you unfortunately become totally and permanently disable due to an accident or sickness, then automatically all your future premiums are waived, meaning you will not be required to pay any more premiums for your policy.
    • The maturity benefit will still be paid to you when the policy matures.
  • Waiting Period

    There is a waiting period of 6 months;

    • When the cover is starting or when it is being reinstated.
    • Death and total and permanent disability claims resulting from natural causes or a diagnosis of a critical illness before 6 months will not be paid.
    • Only claims arising from accidental causes will be payable during the waiting period.
  • Exclusions

    The following is a list of exclusions, meaning, any claim that arises from the occurrences below will not be paid

    • Suicide, attempted suicide or any self-inflicted injury whether the life assured is sane or insane at the time and if it occurs within two years from the commencement of the policy.
    • Any act committed by the policyholder, the life assured, or beneficiaries that constitute a violation of criminal law.
    • Abuse of alcohol, wilful inhalation of gas, self-inflicted injury, wilful exposure to radioactivity, or the wilful consumption of poison or overdose of drugs (whether the drugs have been prescribed by a medical practitioner or not).
    • With the exception of those deployed by the disciplined forces of the Republic of Kenya, any act of war (whether war be declared or not), military action, terrorist activities, riots, strikes, civil commotion, or insurrection in all cases as an active participant.
    • Active participation in mountaineering, horse riding, hunting, motor racing, power-boat racing, or fighting (except in self-defence).
    • Participation in any form of aviation other than a scheduled air service over an established passenger route.
    • Any medical condition not disclosed prior to the issuance of the policy, for which treatment was received or recommended by a medical practitioner or of which the life assured was aware of prior to the date of declaration of the policy.
    • Critical illness claims arising from conditions not listed in the policy.
    • Death caused by natural causes and critical illness claims; occurring within six months from the date the policy starts or from the date the policy benefits are increased or from the policy reinstatement date.

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