National Police

Service &
Kenya Prisons
Service
Scheme

National Police Service & Kenya Prisons Service Scheme

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OUR
GROUP
Overview
NPS/KPS Group Life, GPA and WIBA Covers Safeguarding Dreams and Aspirations
 Well Positioned for Regional
Growth Opportunities​

The #1 insurer in Kenya

with
21.6% Life (#1)
7.0% GI (#5)
 NPS/KPS Group Life, GPA and WIBA Covers

INTRODUCTION

Britam Life Assurance Company (K) Ltd and the Government of Kenya have entered into a partnership that will offer
Insurance covers to members of the National Police Service (Kenya Police Service, Department of Criminal
Investigations & Administration Police Service) and Kenya Prisons Service as from April 1st2024 and the cover runs for
three (3) years.
With over 50 years of experience in the Insurance and Investments sector, Britam will be able to seamlessly offer
Insurance covers to members of these organizations across the country. The Insurance covers will offer all members
the following benefits;
Last Expense Group Life Assurance Work Injury Benefits Act (WIBA) Group Personal Accident (GPA)

How do I join the scheme?

All the members of the National Police Service and Kenya Prisons Service have automatically been enrolled into the
scheme as at 1st April 2024.

All current members and their spouses are covered from the age of 18 years. Children who are born alive are covered
up to 21 years. Students who are in full time school are covered up to the age of 25 years.

Children who are permanently and totally disabled are covered beyond the age of 25years.
Safeguarding Dreams and Aspirations
 NPS/KPS Group Life, GPA and WIBA Covers

LAST EXPENSE & GROUP LIFE ASSURANCE

The National Police Service and Kenya Prisons Service Group Life Assurance Scheme provides the following benefits: -

This is a funeral cash benefit whose purpose is to assist with funeral costs in the unfortunate
Last Expense Benefit-
event of your death, your spouse or your children.

This is a life insurance benefit that pays out a lump sum amount equal to five years of your
Death in Service benefit-
basic salary. This amount is paid to your nominated beneficiaries incase of death occurring at any time during the
insurance cover period.
This is a life insurance benefit that offers you protection against the following life-threatening
Critical Illness benefit-
illnesses:
Heart Attack Kidney Failure
Stroke Paraplegia
Cancer Severe Respiratory Illness including Covid19.
Coronary Artery Bypass Major organ transplant (Heart, liver, lungs, kidney, pancreas and bone
Surgery marrow)
Permanent and Total Disability benefits (illness)- This is a life insurance benefit that offers you protection against
total disability which may be occasioned by an illness and where this illness makes it impossible for you to continue
in employment.
Safeguarding Dreams and Aspirations
 Last Expense & Group Life Assurance Safeguarding Dreams and Aspirations

Last Expense Benefit

Required Documents Time Taken
Cover Amount

Certified burial permit of the principal member

2 working days from date
Principal Certified ID copy of the deceased principal member of receipt of all documents
KES 300,000
Member Certified ID copy of the beneficiary
Bank details of the beneficiary

Certified burial permit of the deceased spouse

Certified ID copy of the deceased principal member 2 working days from date
KES 200,000
Certified ID copy of the deceased spouse of receipt of all documents
Spouse A maximum of
Marriage certificate or a sworn affidavit of marriage
1 spouse
Bank details of the principal member
Duly filled claim form

Certified burial permit of the Bank details of the

deceased child principal member
Certified ID copy of the principal
2 working days from date
KES 100,000 member Proof of study or
Certified ID copy of the proof if permanent of receipt of all documents
Children A maximum of deceased child(if over 18) disability
Up to 3 children Certified copy of the birth
Duly filled claim form
certificate of the deceased child
 Last Expense & Group Life Assurance Safeguarding Dreams and Aspirations

Benefit
Cover Required Documents Time Taken
Amount

Certified ID copy or surrender of ID of the principal

Five(5) times of the 5 working days from date
member
Group Life Annual Basic Salary Certified burial permit of the principal member
of receipt of all documents.
Cover Certified death certificate of the principal member
Bank details of the beneficiary ie ATM card or bank
statement

Certified ID copy of the principal member

30% of one group Medical reports detailing diagnosis of illness 10 working days from date
of receipt of all documents.
life cover up to a Medical tests confirming the illness
Critical Illness maximum of KES Bank details of the principal member ie ATM card or
3,000,000 bank statement
3 recent pay slips
Duly filled claim form

Certified ID copy of the Bank details of the

10 working days from date
principal member principal member ie ATM
Permanent and Five(5) times of the of receipt of all documents.
Medical reports detailing card or bank statement
Annual Basic
Total Disability cause of disability Duly filled Permanent
Salary and Total Disability claim
(illness) Medical tests confirming
form
the disability
Letter of relief from duty
3 recent pay slips
due to disability
 Work Injury Benefits Act (WIBA) and
Group Personal Accident Scheme

The WIBA and Group Personal Accident scheme collectively cover the following benefits;
This refers to accidental injures leading to death in the course of employment.
Accidental Death Benefit:

Permanent TotalPermanent Total Disability is a condition where a member is no longer able to

Disability
work due to: sustained injuries.

Temporary TotalThis refers to a condition whereby a member is completely unable to perform any job
Disability : a temporary basis due to work related injuries and is given a sick-off by their attending doctor. This
functions on
benefit is payable to the employer.

Medical ExpensesRefunds
: out of pocket medical expenses reasonably incurred by a member as a result of an
accident that leads to injury in the course of their employment. This covers medical expenses (including
treatment travel costs) that are not covered by any other medical insurance cover.

Occupational Psychiatric Disease

Occupational Psychiatry relates to occupational psychiatric illnesses that lead
:to loss of employment.

Safeguarding Dreams and Aspirations

 Work Injury Benefits Act (WIBA) and
Group Personal Accident Scheme

Description Accidental Death Permanent Total Temporary Total Medical Occupational

Benefit Disability Benefit Disability Benefit Expenses Psychiatric
Benefit Disease
Benefit
Work The WIBA benefit Equal to 8 years Equal to 8 years Up to 104 weeks Up to a 50% of 8 years of
Injury covers members gross earnings gross earnings maximum limit gross earnings
Benefit against injury that of KES
happens in the 300,000
(WIBA)
course of their
employment

Group The GPA benefit Equal to 5 years Equal to 5 years Up to 104 weeks Up to a Not Applicable
Personal covers members basic earnings basic earnings maximum limit
who sustain of KES
Accident
accidental bodily 300,000
(GPA)
injuries, disablement
and death outside of
their official working
hours.

Safeguarding Dreams and Aspirations

 WIBA and GPA Claim Documents
Claim Type Required Documentation Time taken

Death as a result Certified Copy of National ID / Surrender Signal report and Police Abstract 5 working days from date
of ID/ Passport of the deceased (If road accident or assault) of receipt of all documents
of accidental
injury or Certified Copy of Burial Permit of the Affidavits where names or dates of
occupational Deceased Person (Certification by Birth differ
employer)
diseases
Certified Copy of the Death Copy of postmortem report or
Certificate (Certification by employer) affidavit from the commissioner of
oaths
Certified Copy of recent pay slip (at Copy of Proof of Banking Details or
least 1 month)/ deletion sheet Proof of Joint accounts of the
Beneficiary e.g. ATM Card, Bank
Duly executed claim form and Statement, cancelled Cheque or
forwarding letter from employer Letter from the Bank

Safeguarding Dreams and Aspirations

 WIBA and GPA Claim Documents
Claim Type Required Documentation Time taken

Permanent Duly executed claim form Copy of claimant’s National ID / 5 working days from date
Medical certificate attached to the Passport of receipt of all documents.
Total Disability
claim form and completed by a doctor
/Temporary Signal report and Police Abstract
appointed by Britam
Total Disability report if a road accident or a P3
Letter from the employer advising on form in case of an assault.
& Medical
the circumstances Discharge summary and sick off
Expenses
Statement from claimant and witness, sheet from the attending doctor- TTD
if any
Original Medical receipt and invoice /
Certified Copy of recent pay slip (at proof of payment- Medical
least 1 month) Reimbursement

Medical report and treatment notes Duly executed Discharge Voucher-

from the attending doctor Issued by Britam for execution by the
employer and or injured officer

Occupational Duly executed claim form, signal report Retirement Letter on medical grounds 5 working days from date
and forwarding letter from employer (psychiatric) from employer of receipt of all documents.
Psychiatric
Illness Certified Copy of recent pay slip Psychiatric medical report and
(at least 1 month)/ deletion sheet treatment notes from the attending
doctor
Copy of National ID / Birth Certificate of
the Beneficiary or Next of Kin
Safeguarding Dreams and Aspirations
Claims Process Flow

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 Contacts

TO WHOM DO I REFER MY QUERIES?

All general queries should be directed through your Human Resources Office.

You can also send an email to; [email protected]

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