Life insurance is becoming increasingly important for Kenyan households seeking financial protection from unexpected income loss or family emergencies. The Tegemeo Protection Plan from Britam is one of the options available, designed to provide a lump sum payout in the event of death, disability or critical illness. It also includes optional funeral expense benefits.
This article breaks down the plan into plain language that helps potential buyers understand what it covers, the limits, the medical test options, waiting periods, exclusions, and the practical requirements before signing up.
What the Tegemeo Protection Plan Is
Tegemeo is a life insurance policy that pays a single lump sum when any of the insured risks occur. These include:
- Death
- Total and permanent disability
- Critical illness
- Funeral expense benefit (optional)
The plan is designed to help families settle debts, replace lost income or manage urgent funeral costs.
Sum Assured Options
The amount you can insure varies depending on whether you undergo medical tests or not.
Option 1: Without Medical Tests
- Minimum: 3,000,000
- Maximum: 10,000,000
Option 2: With Medical Tests
- Minimum: 5,000,000
- Maximum: 100,000,000
The choice between medical and non-medical options affects the waiting period and how soon full benefits apply.
How the Medical Test Option Affects Coverage
If you choose to undergo medical tests:
- The full sum assured is payable at any time during the policy term, with no waiting period.
If you choose not to undergo medical tests:
- There is a 12-month waiting period before full benefits apply.
- If death or disability occurs during the waiting period, Britam refunds all premiums paid, without interest.
Key Benefits of the Tegemeo Protection Plan
1. Flexible policy terms
You can choose a term of:
- 5 years
- 10 years
- 15 years
- 20 years
This flexibility helps customers match the cover to financial goals such as family protection, loan security or long-term planning.
2. Affordable entry point
You can get:
- A 3,000,000 death cover by paying about 3,000 monthly on a 5-year policy
- Optional add-ons starting from 50 shillings monthly
3. Wide benefit range
The plan offers a broad selection of benefit amounts for:
- Death cover
- Permanent and total disability
- Critical illness
4. Funeral expense cover
The funeral benefit ranges from:
- 50,000 to 500,000
It is paid within 48 hours to help with immediate burial arrangements.
5. Grace period for premiums
There is a 30-day grace period after the due date.
If payment is not made within that period, the policy lapses and benefits stop.
Frequently Asked Questions About Tegemeo Protection Plan
What are the requirements to sign up?
- National ID, passport or Alien ID
- Minimum age: 18 years
- Maximum entry age: 65 years
- Additional requirements may depend on underwriting rules
What documents are needed?
- Completed application form
- Copy of ID or passport
- KRA PIN
- Payment details for future premiums
- First payment
- Medical checkup by a panel doctor (if choosing the medical option)
How do you sign up?
You can:
- Speak to a Britam Financial Advisor
- Request a call back through the Britam website
- Visit a Britam office
What happens after signing up?
Once the policy is issued:
- You receive an SMS confirmation
- A policy document is emailed to you
- You can view statements on the MyBritam portal or app
How do you pay premiums?
Available payment channels include:
- MyBritam portal
- MyBritam app
- Direct debit
- Cheques addressed to Britam
- Salary deduction arrangements
- Bank transfer or mobile money options depending on setup
Who the Tegemeo Protection Plan Is Suitable For
The Tegemeo Protection Plan suits individuals who want:
- A straightforward life insurance policy
- A lump sum benefit that covers debts, income replacement or family protection
- Optional funeral, disability and critical illness cover
- Flexibility to choose between medical tests and non-medical entry
- Cover amounts ranging from modest to high depending on income level
It is especially relevant for working adults with dependents or financial obligations such as school fees, loans or household income needs.
