APA Life 527600
APA Insurance 511600
This policy is designed to protect your loved ones in case of your unfortunate demise. It is a simple open-ended cover that provides protection to your family and offers 50% premium cash back annually in case of no claim as long as premiums are fully paid. The cover is for persons aged between 18 and 60 years. However, the maximum entry age is 55 years.
a.) Death Benefits
A lump sum benefit of KShs. 100,000 will be paid to the beneficiaries provided that the policy is active at the time of the occurrence of death due to illness, accident or natural causes.
b.) Cash Back Benefit
A sum of 50% (Kshs.1,200) of the total premiums paid will be refunded to the policy owner after every 12-month period where the policy is in force and provided that no claim has been made.This benefit can either be used to pay half of the premiums for the subsequent year or be fully withdrawn.
c.) Information Required to Onboard
• Name, Date of Birth and ID
• Beneficiary Name
• Digital Application Forms - no physical forms or hardcopy KYC
d.) Premium Payments
Flexible premium payments either monthly or annually:
• Monthly premium: KShs. 200
• Annual premium: KShs. 2,400
Q1. How do I buy the policy?
USSD: Dial *507# the select option 2: Buy policy then follow up on the prompts to complete the transaction via Mpesa.
Q2. How will i receive the policy document?
Q1. How do I make subsequent payments?
USSD: Dial *507# the select option 3: Pay premium then follow up on the prompts to complete the transaction via Mpesa.
Q2. How do I know that my payment has been received?
Once the payment is successful, you’ll receive a confirmation SMS from Mpesa and APA Life.
Q3. Do I have to use my Mobile No. to make the payment?
For a new user, you’ll use your mobile No. to make the initial payment. However, for subsequent payments you can use another No. to make the payment by inputing your ID No. as the Account No
Q4. Why does my phone not bring in the STK Push to make payment?
This means you’ll need to update your Sim card by:
1. Dial *234# then select Option 1: Mpesa Products
2. Select option 6: Sim card update
In case this fails, contact Safaricom to updating your Sim card
Q1. Is this service available on all mobile networks?
No. At the moment, only Safaricom users can access the service. However, we’re working on the other network providers.
Q2. Are there charges to use the service?
Yes. Make sure that you have at least Kshs 1 in Airtime for pre-paid users.
Q3. Is the USSD service only available for Prepaid Users?
No. Post-paid users can also access the service.
Q4. Can I access the service using a different Number from the one I used during
application of the policy?
No. Only the number used during registration of the policy can be used. However, you can use other number to make the payment.
Q5. Can I access the service if I don’t have enough funds in my Mpesa?
Yes, you can access the service and make the payment only if you have enabled Fuliza in your Mpesa and the Fuliza limit meets the amount you intend to pay.
Q1. Does the policy cover family members?
No. Currently the policy only covers one member. Children below the age of 18 can be on boarded through an aggregator e.g school.
Q2. Does the policy include personal accident and medical cover?
No. This policy only provides cover due to death as a result of illness, accident or natural causes.
Q3. What is the maximum number of beneficiaries I can nominate?
One can nominate up to 3 beneficiaries.
Q4. How will I receive the policy document?
It refers to the three months from the commencement of the policy, during this period, only death caused by accident is covered.
Q1. What does cash back or refund mean?
It refers to 50% of premiums paid back i.e. (Kshs. 1,200) to the policyholder in the event of no claim occurring during the 12-month period from inception.
Q2. What does waiting period mean?
It refers to the three months from the commencement of the policy, during this period, only death caused by accident is covered.
Q1. How do I submit a claim?
Notification of the claim can be done by contacting us via email or calling us on 0709 912 777, or visit any of our offices countrywide. The claimant then submits the documents that will be requested.
Q2. How long does it take to settle the claim?
Within 48 hours from receipt of the all the required claim documentation
Q3. How do I track my claim status?
On the USSD OR APP under claims, input the claim number and you’ll be able to see the progress.
Q4. What documents are required to claim?
• Original/certified burial permit
• Notification of claim
• Copy of ID of deceased and claimant
• Police Abstract – In case of death by accident
Q1. How do I get help if I’m stuck?
Email us on: insurance@apalife.co.ke or call 0709 912 777 or SMS 20858.
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