8 Financial Benefits Families with Heshima Farewell Plan Get After Losing a Loved One

Families are set to benefit from structured funeral financial support under Britam’s Heshima Farewell Plan, a micro-insurance product designed to cover burial and related expenses arising from natural or accidental death.

Launched in partnership with Montezuma Funeral Home, the plan offers not just a cash benefit but also a complete funeral service package. 

Depending on the selected cover, families are assisted with key arrangements such as mortuary services; transport by hearse to any destination across the country; provision of a casket, wreaths, and floral decorations; portrait production; obituary services; funeral programs; and chapel arrangements.

Eligibility for the Heshima Farewell Plan requires the applicant and spouse to be between 18 and 70 years of age at entry, with the policy remaining renewable up to an exit age of 80 years.

Children may be covered from as young as one month up to 18 years, while those aged between 18 and 25 years can only be included if they are in school or college, with proof of student status required.

Parents and parents-in-law may also be included, provided they are not above the maximum entry age of 80 years, with cover ending at 85 years. 

The extended family option is only available to registered groups with a minimum of 50 members.

Britam’s Heshima Farewell Plan Benefit Packages Explained

The Britam’s Heshima Farewell Plan offers four cover options with varying benefit levels.

The Basic cover, valued at KSh 100,000, includes payment for mortuary services for up to seven days, a seven-seater hearse to any destination nationwide, a basic casket, casket flowers, and a cash benefit of KSh 7,000 for the deceased’s clothes.

The Standard cover, valued at KSh 150,000, provides mortuary service payments for up to 10 days, a seven-seater hearse for nationwide transport, a standard coffin, a full set of wreaths and casket flowers (four pieces), an A3 high-resolution portrait, and KSh 12,000 for the deceased’s clothes.

The Executive cover, valued at KSh 300,000, offers mortuary services for up to 14 days, a 10-seater or trailer hearse to any destination countrywide, an executive coffin, a full set of wreaths with additional floral arrangements, an A2 portrait, KSh 20,000 for deceased clothes, an obituary in the Daily Nation, and 100 funeral program booklets.

The Platinum cover, valued at KSh 500,000, includes mortuary services for up to 18 days, a Mercedes hearse for nationwide transport, a platinum coffin, enhanced floral arrangements including portrait flowers, an A1 high-resolution portrait, KSh 30,000 for deceased clothes, an obituary in the Daily Nation, and 200 funeral program booklets.

Nuclear Family Rate Card

The Heshima Farewell Plan is structured into four cover tiers, Basic, Standard, Advanced, and Gold, with varying benefit limits for principal members, spouses, children, and extended family members.

Extended Family Rate Card

What is the Waiting Period?

The plan also has defined waiting periods depending on the type of cover. There is a one-month waiting period for natural death, while accidental death is covered immediately with no waiting period. 

A three-month waiting period applies to parents and parents-in-law, while a six-month waiting period is required for deaths arising from pre-existing conditions.

Call 0705 100 100 for more information or inquiries about the Heshima Plan.