The Fariji cover caters for funeral costs in the event of death. The cover is paid out within 48 hours upon notification of the death of an insured family member to assist the family cover the associated funeral expense burden.
Having to cope with the loss of a loved one is distressing enough without the accompanying financial implications. The Fariji cover enables you to give your loved one a befitting send-off and secures your peace of mind by easing the financial burden of the funeral.
Our last expense cover options cater for a person looking to cover his family, family groups, SME groups, corporates and even chamas and other groups.
Are you interested in last expense insurance? We can help you weigh your options—request a quote today by filling out the form at the bottom of this page.
The cover is based on predetermined benefit limits and their corresponding annual premiums. It pays out a cash lump sum on death of an insured member. A group may only select a single benefit option from amongst the available options for all the members in that group.
Eligibility is first and foremost through membership to a registered group. Once a member has signed up, they are covered for life, subject to annual renewal. However, the below minimum and maximum ages at entry apply:
| Member | Min Age at Entry | Max Age at Entry | Maximum Cover Age |
|---|---|---|---|
| Principal & Spouse | 18 years | 69 years | For life subject to no breaks in cover |
| Parents & Parents in Law | 30 years | 84 years | For life subject to no breaks in cover |
| Children | 2 weeks | 21 years | Up to 25 years with proof of being a fulltime student |
*only biological children, parents and parents-in-law are eligible for cover
The applicable rates of premium per benefit option are detailed below.
NB: These premium rates apply to new groups taking Group Last Expense cover for the first time. For existing groups premiums are subject to provision of claims statistics for the past year of cover as well as full member data.
| Category Main Package | Option 1 | Option 2 | Option 3 | Option 4 | Option 5 | Option 6 | Option 7 |
|---|---|---|---|---|---|---|---|
| Principal Member | 50,000 | 100,000 | 150,000 | 200,000 | 300,000 | 400,000 | 500,000 |
| Spouses (Max 1 per member) | 50,000 | 100,000 | 150,000 | 200,000 | 300,000 | 400,000 | 500,000 |
| Parents & Parents in Law (Max 4 per member) | 50,000 | 100,000 | 150,000 | 150,000 | 150,000 | 150,000 | 150,000 |
| Children (Max 4 per member) | 50,000 | 100,000 | 100,000 | 200,000 | 200,000 | 200,000 | 200,000 |
| Individual Principal Members OR Children Age 21 - 30 years | 50,000 | 100,000 | 100,000 | 200,000 | 200,000 | 200,000 | 200,000 |
| Option 1 | Option 2 | Option 3 | Option 4 | Option 5 | Option 6 | Option 7 | |
|---|---|---|---|---|---|---|---|
| Annual Premium per Family | 2000 | 3,500 | 5,000 | 7.200 | 10,600 | 16,000 | 20,500 |
| Additional Premium per Child (KES) | 250 | 500 | 500 | 1,000 | 1,000 | 1,000 | 1,000 |
| Individual Principal Members OR Children Aged 21 - 30 years | 300 | 500 | 750 | 1,200 | 1,200 | 1,200 | 1,200 |
Did you know that working with an insurance agent doesn’t cost you anything extra? You also get advisory services when choosing covers and we walk with you during claims.
All claims must be notified at the earliest and not later than six (6) months after the occurrence.
Duly completed claim form
Original or certified copy of a valid burial permit
Certified copy of the deceased ID/Passport or Letter of surrender of ID
Certified copy of the beneficiary’s ID/Passport
Certified copy of birth certificate for children
Police abstract for all accidental deaths
The underwriter shall not be obliged to make any payments in respect of any condition or event arising directly or indirectly from or traceable to:
Fariji Care is a last expense cover (funeral insurance) provided by Dawit Insurance. It caters for funeral costs in the event of death, offering a cash lump sum payout within 48 hours upon notification of the insured family member’s death, where full documentation has been submitted.
No, there are no additional charges for individuals suffering from terminal illnesses. Fariji Care covers all eligible members without any discrimination based on health conditions.
If you are facing issues with OTP delivery after login, it may be attributed to network problems or technical glitches. To troubleshoot the problem, consider the following steps:
If the problem persists despite these steps, please don’t hesitate to contact our support team for further assistance.
If you are encountering difficulties with your payment, please follow these steps:
Navigate to the Payments Page: On the payments page, scroll to the ‘Payment not going through, click here’ section.
Click on the provided link. This action will send a request to check for your payment against our records.
Confirm Payment: After initiating the payment check, click on the ‘View Certificate button. This should redirect you to your certificate.
Non-receipt of payment prompts could be due to network delays. Refresh the page and try again later. If the issue persists you can also pay via paybill of which the details will be displayed if the prompt does not process.
To apply for Fariji Care, you need a softcopy of your ID, KRA PIN number, and the ID/Passport numbers of all beneficiaries older than 18 years.
Buying the last expense cover ensures a cash lump sum payout for funeral expenses, providing financial support during this challenging time.
As of now, we do not have an incentive program for referrals. However, we are actively exploring the possibility of introducing one in the future.
Yes, it is possible to purchase up to 3 policies for the same individual, subject to terms and conditions. This allows for greater flexibility in coverage options to meet specific needs.
Cover termination may occur in case of policy breaches, non-payment of premiums, or fraudulent activities. Refer to the policy terms and conditions for specific details.
No, partial payments are not accepted. The policy will only be effective if the full premium amount is paid.
Premiums can be paid annually. The available options are detailed in the Costs section of our homepage.
No medical examination is required for FarijiCare.
The policy will only be effective if the premium has been paid. If you miss a payment, contact our support team to discuss your options.
Fariji Care is currently only available in Kenya.
Yes, you can name a beneficiary for your FarijiCare policy. The principal member is the automatic ultimate beneficiary for all dependents.
Fariji Care is on cash and carry hence cover will only commence upon full premium payment.
No, the coverage cannot be increased after the initial purchase. However, you can explore additional coverage options during the annual renewal.
Yes, there are exclusions. The policy does not cover events arising from criminal activities, self-inflicted injuries, or attempted suicide within the first year, driving under the influence, illegal drug or alcohol use, and involvement in war, civil commotion, riot, terrorist activity, or rebellion. Refer to the policy document for a comprehensive list of exclusions.
Fully documented funeral claims are processed within 48 hours of notification. It is important to notify the claim at the earliest and not later than six months after the occurrence.
No, the policy cannot be transferred to another individual.
If you wish to cancel your policy, please contact our support team for assistance. Keep in mind that there might be specific terms and conditions related to cancellations.
At the moment, no discounts are applicable.
The premium charged for a given cover period (12 months) shall remain unchanged until expiry. However, this may change where dependents attracting additional premium are added (e.g additional child above the maximum 4). At renewal, the premium payable might change depending on the claims experience for the expiring cover period.
Yes, the maximum liability per life assured is KES. 1 million for Principal member and 450K per parent/ Parent-in-Law. As per Kenya Law children under 10 years cover is to a maximum of kshs. 100,000.
Yes, you can change your beneficiary. Contact our support team for assistance in updating beneficiary details.
The payout can be directed to the preferred bank account or MPESA number. This flexibility ensures that beneficiaries have options tailored to their preferences for receiving the benefit.
Yes, you can cover a non-biological child if they are legally your child, for example, through adoption. However, children who are not legally recognized may not be eligible for coverage. Please ensure legal documentation supports the relationship for coverage eligibility.
If your OTP fails, you have the option to resend it by clicking the “resend” button on the page.
If you are having trouble locating the payment option, follow these steps:
If you need to change the registered phone number for payment, you can do so on the payments page, where there is an option to update the phone number before making the payment.
Contact our support team immediately with the transaction details to rectify the error.
Contact our support team immediately with the transaction details to rectify the payment.
If you encounter an error, reach out to our support team with details of the error for prompt assistance.
There is a one-month waiting period for principal members, spouses, and children, and a three-month waiting period for parents and parents-in-law on death arising from illness and natural causes. However, death arising from an accident is payable immediately, subject to settlement of full premiums.
Entry age limits vary based on the member category (Principal & Spouse, Parents & Parents in Law, Children).
Children it is 2 weeks – 21 years
