The Britam Critical Illness Plan is a protection cover designed to provide an extra layer of financial security if you are diagnosed with a critical illness. It covers a comprehensive list of illnesses namely heart attack, stroke, cancer, kidney failure, coronary artery bypass surgery, aortic surgery, heart valve surgery, major organ transplant, paraplegia, coma, blindness, multiple sclerosis, accidental brain damage, motor neuron disease, dementia (including Alzheimer's and Parkinson's disease). Any Kenyan Citizen aged 18-60 is eligible to apply and take this cover.
The amount of premium one pays will depend on age and the amount of the sum assured (chosen benefit).
The premiums are affordable and are payable in a flexible way; monthly, quarterly, semi-annually or annually.
Various premium payment options are available e.g. Employer salary check-off, direct debit, personal cheques or mobile money transfer.
Britam will pay a lump sum amount equal to the sum assured in the event one is diagnosed with any of the defined critical illnesses.
This policy gives you access to personalized service by Britam
Critical illnesses have recently become prevalent.
Critical illnesses can affect a family’s breadwinner meaning there's a direct impact on the family's financial resources.
Due to advances in medicine, typically, the outcome of a major health crisis is the survival of a patient rather than death. This means that a lot more resources are required for the recovery process.
Sufficient protection against the financial shocks brought about by critical illnesses requires more than a usual life insurance cover.