What can we help you with?

PRUSME

The protection every small group needs

Product Features

If the conventional group life cover does not check your boxes, then PRUSME might!

  • Policy Term - 12 months (1 year)
  • Coverage - Cover is provided to Kenyan citizens or Kenyan residents
  • Premium Payment - payable annually in advance.
  • Maximum entry age - 24 for full-time students
  • Maximum coverage age - 25years
  • Premium rates - Dependent on the sums assured.
  • Underwriting: Required for sums assured above the free cover limit of Kshs 10 million at an additional premium of Kshs 10,000 per life with a possible review
  • Policy Lapse/ Reinstatement - Cover is only provided on premium payment
  • Geographical Scope for hospital cash benefit - Republic of Kenya as at the commencement of cover. They may subsequently proceed to and reside in any part of the world without payment of an extra premium. However, no benefits will be paid if the life assured is hospitalised outside the borders of the Republic of Kenya.

Product Benefits

Free Hospital Cash
                                    Benefit
Free Hospital Cash Benefit
Free Grief and
                                    Bereavement Counselling
Free Grief and Bereavement Counselling
24 Hour, worldwide cover
24 Hour, worldwide cover

Active for all covers except Hospital cash

Accidental Death Benefit
Accidental Death Benefit

Learn more

  • Waiting period
    • Two (2) months
    • No waiting period is applied if renewal is made within 1 month from the previous cover period.
  • Age Limit
    Minimum Entry AgeMaximum Entry AgeTerminal Age / Maximum Coverage Age
    Main Member18 years70 years71 years
    Spouse – Last Expense18 years70 years71 years
    Children – Last Expense1 month18 years19 years

    Parents & Parents in law – Last Expense

    18 years

    75 years

    76 years

  • Plan Options

    Choose a plan that works for you

    Plan A

    The sums assured and premiums (applicable) are set out below.

    BenefitOption 1Option 2Option 3Option 4Option 5Option 6
    Life Cover500,0001,000,0002,000,0003,000,0003,000,0005,000,000
    Permanent and Total Disability (Accelerated)500,0001,000,0002,000,0003,000,0003,000,0005,000,000
    Critical Illness (Accelerated)150,000300,000600,000900,000900,0001,500,000
    Last Expense (Accelerated)50,000100,000200,000300,000300,000500,000
    Free Hospital Cash Daily Benefit*5001,0002,0003,0003,0005,000
    Free Grief and Bereavement Counselling10,00010,00010,00010,00010,00010,000
    Annual Premiums2,5005,00010,00015,00020,00025,000
    • The hospital cash daily benefit is payable to a maximum of 30 days per year. The benefit is payable after 2 days (from day 3+) of being hospitalized in a NHIF accredited hospital.
    • Please note that requests for sums assured above 5 Million under PLAN A will be reviewed and considered on case-by-case basis subject to medical underwriting. Maximum, Kshs 10 million.
    • This Plan can be taken by the legal spouse of the principal member. The benefits of the spouse cannot exceed those of the principal member.
    Plan B
    BenefitOption 1Option 2Option 3Option 4Option 5Option 6
    Life Cover500,0001,000,0002,000,0003,000,0004,000,0005,000,000
    Permanent and Total Disability (Accelerated)500,0001,000,0002,000,0003,000,0004,000,0005,000,000
    Critical Illness (Accelerated)250,000500,0001,000,0001,500,0002,000,0002,500,000
    Last Expense (Accelerated)50,000100,000200,000300,000400,000500,000
    Free Hospital Cash Daily Benefit*5001,0002,0003,0004,0005,000
    Free Grief and Bereavement Counselling10,00010,00010,00010,00010,00010,000
    Annual Premiums2,5005,00010,00015,00020,00025,000
    • The hospital cash daily benefit is payable to a maximum of 30 days per year. The benefit is payable after 2 days (from day 3+) of being hospitalized in a NHIF accredited hospital.
    • Please note that requests for sums assured above 5 Million under PLAN B will be reviewed and considered on case-by-case basis subject to medical underwriting. Maximum, Kshs 10 million.
    • This Plan can be taken by the legal spouse of the principal member. The benefits of the spouse cannot exceed those of the principal member.
    Plan C
    Type of Risk Benefit DescriptionBenefit LevelAnnual PremiumRate Per Mille
    GLA
    All RisksLife CoverKshs 1 Million to 20 Million3.40
    All RisksPermanent and Total Disability (Accelerated)100% of Life Cover0.80
    Illness RisksCritical Illness (Accelerated)30% or 50% of Life Cover subject to a maximum of Kshs 5 Million3.70
    All RisksLast Expense (Accelerated)10% of Life Cover subject to a maximum of Kshs 500,0000.00
    All RisksFree Hospital Cash Daily Benefit*Kshs 10,0000.00
    All RisksFree Grief and Bereavement CounsellingKshs. 500 daily0.00
    GPA
    Accidental & OccupationalAccidental Death Benefit200% of the life cover0.85
    Accidental & OccupationalAccidental Permanent & Total Disability200% of the life cover0.20
    Accidental & OccupationalAccidental Temporary & Total Disability (TTD)Up to 30% of the life cover subject to a maximum of Kshs 1 million. Payable Monthly for max 1 year.0.40
    Accidental & OccupationalAccidental Medical Expense Reimbursement (AMER)Up to 10% of the life cover subject to a maximum of Kshs 500,000 .10.00
    • The hospital cash daily benefit is payable to a maximum of 30 days per year. The benefit is payable after 2 days (from day 3+) of being hospitalized in a NHIF accredited hospital.
    Last Expense Benefit for Family Members – Stand alone
    CategoryOption 1Annual PremiumsOption 2Annual Premiums
    GLA
    Spouse100,000290200,000580
    Child100,000200200,000400
    Parent100,0001,950200,0003,900
    Parent-in-law100,0001,950200,0003,900
  • Underwriting Requirements

    The following information and supporting documents are required:

    • Group Profile i.e., registered name, address, business activity and other pertinent details of the proposer.
    • Members to be covered and amounts of cover per member including the following details:
    • Full name of the members covered.
    • Member occupation and residence (town and county).
    • Copy of ID (ID number) for the members.
    • Full name and copy of ID (ID number) of named beneficiaries for each member covered; and
    • Dates of birth for each life covered.
    • A duly completed proposal form by the proposer.
    • Newly recruited members of the group can join the scheme at any time during the policy cover. An annual premium must be paid at the outset of the cover.
  • Claim Documentation

    Valid Claims will be paid within 72 hours on receipt of full documentation.

    Here’s what you’ll need to bring:

  • Exclusions

    Liability will not be accepted for claims occurring because of any of the exclusions below:

    • Suicide, attempted suicide, or any self-inflicted injury whether the life assured is sane or insane at the time.
    • Any act committed by the policyholder, the life assured or beneficiaries which constitutes 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).
    • 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 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 person assured was aware prior to the date of declaration of the policy.
    • Hospitalisation due to elective surgery including cosmetic surgery. Elective surgery is surgery scheduled in advance because it does not involve a medical emergency.
    • Hospitalization due to childbirth.
    • 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 prior to the date of declaration of the policy.
    • Any critical illness diagnosis made before the commencement date of the insurance policy or during the waiting period.
    • Liability for the claims occurring because of the above exclusions except at the discretion of Prudential management.
  • Important Notes
    • Annual cover renewals should be made within a maximum period of 1 month after cover expiry otherwise the policy will lapse and newly issued policy rules including the 3-month waiting period
    • Proof of attendance required for full-time students

Not what you’re looking for?

Don’t worry, we'll help you get the correct solution that fits your needs. Provide us with your phone number and we will call you right back.

Stay Connected

Follow us on social media for the latest on Prudential in Kenya.