Funeral Cover under compulsory schemes provides a lump sum benefit payable upon the death of the member, spouse and/or children to meet funeral and other expenses associated with a death in the family.
When a member of the family dies, the surviving family is responsible for all the costs involved in the funeral arrangements. The Group Funeral policy is specially designed to meet these and other associated expenses, and provides peace of mind to the whole family.
The Group Funeral policy also makes provision for diverse cultural requirements, as there are no restrictions on how the money has to be spent.
Membership is compulsory for all or selected categories of employees who are permanent and actively employed and have not yet reached normal retirement age.
The employer decides who will be covered under the plan – from member only, to member and dependents, and even parents and extended family.
A member’s dependents are defined as his/her spouse(s), minor unmarried children (including legally adopted children) under age 21 years. The age limit of 21 shall however be extended to age 25 in respect of a child who is a full-time student.
No age limit will apply to a child who is incapacitated from maintaining himself/herself by mental or physical infirmity, provided such child is wholly dependent on the member for support and maintenance.
Cover is available for:
• the main life insured,
• parents and parents-in-law
• Extended family (grandparents, uncles, nieces etc.)
• The benefit is paid out as a lump sum.
• Cover is provided free of evidence of health.
• Insured persons do not have individual contracts with the insurer.
Under this plan all employees meeting Metropolitan Life Kenya’s minimum and maximum age limits are covered until a normal retirement age pre-selected by the employer. The employer selects the level of cover which applies to all covered employees. The employee nominates the beneficiary of the lump sum benefit. The employer normally pays the funeral cover premiums
Under this plan the employees, their immediate family, parents (max of four, parents and parents-in-law) and extended family (aunts, cousins, grandparents etc.) are covered. The employee nominates the beneficiary of the lump sum funeral benefit in the event of the employee’s death. If a family member dies the benefit is paid to the employee.
• A clear definition of who is eligible to join the Plan must exist, for example all full time permanent employees of a company or members of a retirement fund.
• Only one spouse of the employee may be covered
• A maximum of four children may be covered until age 21 unless continuing in full time education (maximum age 25) or incapacitated by mental or physical infirmity
• A maximum of four parents (two parents and two parents-in-law).
• A minimum of 15 employees
The employee’s cover will be a multiple of KSh 1,000. All employees will have the same level of cover, unless a clear distinction between members (e.g. directors and employees) is made.
Family members are covered for amounts calculated as a percentage of the employee’s cover:
|The insured life||Cover as a percentage of the employee’s cover|
|Children age 14 or over||100%|
|Children age 6 to 13 years||50%|
|Children age 1 to 5 years||25%|
|Children under age 1||25%|
|Parents and Parents-in-law||Cannot be more than principal member (employee)|
|Extended family||Cannot be more than principal member (employee)|
At the beginning of each policy year, the employer must supply Metropolitan Cannon with a list containing the name of each member, his/her date of birth, occupation, sex, annual salary, and other details which Metropolitan Cannon may require in order to calculate premiums and benefits.
A policy contract will be issued to the employer upon commencement or notice of commencement of cover. This will constitute the whole and entire agreement between the employer and Metropolitan Life Kenya.
Employees are required to be in the active service of the employer at commencement of cover under this policy. Should an employee be absent from service due to injury or illness at such date, his/her insured benefits will commence after the completion of two consecutive months of active service. The 2 months’ waiting period will be waived in respect of a death, which is a direct result of an accident.
If the Employer wishes to terminate the policy, at least three months’ notice of such intention must be given to Metropolitan Cannon.
For the Employer
• Unexpected requests for financial assistance don’t have to be met out of the business’ cash flow
• Employers do not have the additional stress of unexpected financial demands
• Benefits makes the business more competitive and sought after as an employer
• Inexpensive, administratively simple and reputable cover
• No underwriting means that employees will not need time off for medical testing.
• One insurance policy on the lives of all employees caters for staff movements such as new employees joining and exiting employees leaving
For the Member
• Financial assistance will help to provide a dignified funeral
• Speedy pay-out
• Funeral cover is provided by a reputable insurer
• No underwriting
1 War Exclusion
Metropolitan Cannon will not pay the death benefit in respect of a member if the death was caused, directly or indirectly, by active participation in war, invasion, acts of foreign enemies, hostilities, warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.
2 Atomic, Biological and Chemical War Exclusion
Metropolitan Cannon will not pay the death benefit in respect of a member if the death was caused, directly or indirectly, by:
• The use of nuclear, biological or chemical weapons, or any radioactive contamination
• Attacks on or sabotage of facilities (including, but not limited to, nuclear power plants, reprocessing plants, final repository sites and research reactors) and storage depots, which lead to the release of radioactivity or nuclear, biological or chemical warfare agent.
The above mentioned conditions will be enforced irrespective of any actions being performed with the specific use of information technology.
3 Riot Exclusion
Metropolitan Cannon will not pay the death benefit in respect of a member if the death was caused as a direct or indirect consequence of any act of civil commotion, riot, strike, labor disturbance or disturbance of the public peace.
4 Terrorism Exclusion
Metropolitan Cannon will not pay the death benefits in respect of a member are the death was caused as a direct or indirect consequence of any act of terrorism. For the purpose of this endorsement an act of terrorism means an act, including but not limited to, the use of force or violence and/or the threat thereof, by any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological, or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear that has been determined by the appropriate federal authority to have been an act of terrorism.
Clauses 16.3 and 16.4 could be waived, but it would be subject to Metropolitan Cannon reserving the right to reinstate the waived exclusions by giving the scheme 3(three) months’ written notice.
How do I Make a Claim
Submission of evidence for claims
Metropolitan Cannon must be notified in writing within 6 months of the member’s death, and all supporting documents must be received within 12 months of the member’s death or 3 months after an inquest into a death (where applicable).