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Insurance Benefits

The demise or incapacity of a breadwinner is not only catastrophic to the immediate family; it imposes a considerable financial burden on their social networks. Many Kenyans opt to live with high levels of risk because insurance is expensive, inaccessible and it competes with other basic human needs.

 

At BimaNet, we understand that mitigating the financial impact of such calamities and planning financially for the future is the 4th most basic human need. That is why the Linda Fanaka ‘5 in 1’ bundle of insurance products is the most affordable, no nonsense.
Life Insurance cover with benefits you can use whilst you are still alive.

Your beneficiaries get a lump sum in the unfortunate event of your passing.

Funeral Cover / Last Expense is also payable upon the member’s death; these funds are disbursed towards settling the funeral expenses.

Critical Illness is paid out when the member is first diagnosed with one of the critical illnesses specified in our policy documents e.g. cancer, stroke, heart attack, kidney failure, Coronary Artery By-pass Surgery, Paraplegia and Major Organ Transplant.

Accidental Permanent Total Disability (PTD) is payable if the member is permanently and totally disabled as a result of an accident and is unable to perform any work for wage or profit. Accidental Temporary Total Disability (TTD) is paid out if the member becomes totally but temporarily disabled as a result of an accident and is unable to perform any work for wage or profit for more than 3 consecutive working days. The sum assured is payable on a weekly basis for a maximum of 52 weeks.

In-Hospital Cash Back is triggered if the customer is admitted for 2 or more consecutive nights as a result of an accident or illness at a registered NHIF hospital. The sum assured is payable for a maximum of 28 nights per year.

Customers who purchase Linda Fanaka are entitled to a Life insurance, Funeral Cover (Last Expense) Critical Illness cover, Accidental Disability and a daily In-Hospital Cash Back payout.

 

The sums assured ( money payable by the underwriter) for each tier of membership are illustrated in the table below;

Choose Your Plan
  •    Life Cover
  •    Funeral Cover
  •    Critical Illness
  •    Accidental PTD
  •    Accidental TTD
  •    Daily Hospital Cash back
  •    Annual Premiums

VIP+
VIP+
  • 5,000,000/-
  • 250,000/-
  • 1,000,000/-
  • 250,000/-
  • 250,000/-
  • 10,000/-
  • 105,500/-

VIP
VIP
  • 2,000,000/-
  • 250,000/-
  • 1,000,000/-
  • 250,000/-
  • 250,000/-
  • 10,000/-
  • 59,700/-

Deluxe
Deluxe
  • 1,500,000/-
  • 200,000/-
  • 750,000/-
  • 200,000/-
  • 200,000/-
  • 8,000/-
  • 45,430/-

Superior
Superior
  • 1,000,000/-
  • 150,000/-
  • 500,000/-
  • 150,000/-
  • 150,000/-
  • 6,000/-
  • 30,610/-

Express
Express
  • 500,000/-
  • 100,000/-
  • 250,000/-
  • 100,000/-
  • 100,000/-
  • 4,000/-
  • 21,490/-
  • PTD: Permanent Total Disability
  • TTD: Temporary Total Disability
Kids-Free-cover

Linda Fanaka also covers children between the ages of 3 months to 18 years free of charge. They are each entitled to a Life Cover of Ksh 100,000 and 50% of the main member’s critical Illness benefit.

   0203 964000 | 48hrs Process Time