This is a product from Telkom which gives you data, voice minutes, and SMS in addition to personal accident and accidental death cover from Britam.

1GB data, 25 any-net minutes, 100 on-net minutes, 25 SMS, monthly personal accident cover for up to Kes 20, 000 and monthly accidental death cover of Kes 20,000, valid for 30 days.

By dialing *444# and selecting Life Bila Noma.

30 days.

No. You get a new bundle every time you renew.

Up to Kes 20,000 per month.

Kes 20,000.

By dialing *144#

Yes. The resources will be accumulated and the accident cover and accidental death cover will be capped at 60,000sh each. 

The resources will be accumulated and the accident cover and accidental death cover will be capped at 60,000sh each. 

The resources will be forfeited.

Yes.

Yes, there are a few exclusions. These are: pre-existing physical or mental defects, self-exposure to hazardous activities such as death from drugs/alcohol, suicide and war risks unless special arrangements are made.

The following activities are not covered: Aqualung diving, rugby, boxing, climbing and mountaineering necessitating ropes or guides, parachuting, polo, power boating, motor competitions and show jumping.

Minimum entry age is 18 years. Maximum joining age is 65 years at entry. Maximum coverage age 70 years.

All Outpatient;

• Client visits a Britam Panel hospital or hospital outside the panel.
• Client will pay the hospital bill and submit; a duly completed claim form, discharge summary, hospital bill/invoice, payment receipts and police abstract to Britam for claim processing within 7 days after hospitalization.
• Britam will review the received claims and notify the client if the claim has been approved
• For approved claims, payment will be made to the client via mobile money up to the cover limit.

Britam Panel Hospital- Inpatient only

• Client visits a Britam Inpatient Panel hospital.
• In the event of admission, the client presents a National ID to the hospital within 48 hours of hospitalization.
• Client calls Britam helpline to request for hospitalization approval.
• Britam sends authorization to the hospital up to the cover limit.
• Hospitalization Outside Britam Panel Hospitals- Inpatient
• Client will pay the hospital bill and submit; a duly completed claim form, discharge summary, hospital bill/invoice, payment receipts and police abstract to Britam for claim processing within 7 days after hospitalization.
• Britam will review the received claims and notify the client that the claim has been approved or rejected.
• For approved claims payment will be made to the client via mobile money up to the cover limit.

NOTE: Claims are done on a purely reimbursement basis. 

For a death claim, you need the following documents:

• ID copy of the deceased
• ID copy of the claimant
• A certified copy of burial permit or death certificate
• Filled Britam claim form
• Hospital/Post-mortem report
• Police report

You can access over 400 hospitals countrywide based on the one which is convenient. A list of hospitals is available on the Britam website.

In case you visit any of the hospitals in our network, call 0709 165 000 to notify Britam who will then send a pre-authorization to the hospital for you to receive treatment. Note, you will be required to show your ID at the hospital.

Call the Britam helpline 0709 165 000 or email microinsurance@britam.com and a Britam representative will guide you on what to do.

All valid claims will be paid out within 5 working days with effect from the time the insurer receives all the required documents.

Within 24 hours after purchase of bundle.

In the event of non- payment of premiums within 24 hours , all the above benefits shall lapse and become suspended.

Get in touch with Britam through our call centre number 0709 165 000 or Email customerservice@britam.com.