Complete our joining form, include the following details and documents
• ID copy of the main member
• ID or birth certificate copy of all the dependents
• Proof of residence
• Contact details
• Ist month's premium
• Individuals over the age of 18 years are eligible to apply

Submit the following documents to any of our offices
• Certified copy of death certificate.
• Certified copy of ID or passport for the deceased.
• Notification of death form DHA 1663,(formerly BI 1663).
• ID and certified ID copy of the beneficiary.
• Proof of banking details (signed, dated and stamped bank statement not older than three months) for all beneficiaries/estate.
• In the event of accidental death, please provide a police declaration.
• Marriage certificate for spousal claim.
• Please report the death to your nearest Home Affairs office who will also provide you with the official death certificate.

• No joining fee required.
• A waiting period of six (6) months applies. A reduced waiting period of three (3) months applies in cases of accidental death.
• In the event of accidental death, your beneficiaries get 100% payout, with no waiting period.
• We do not conjointly conduct funeral services with other funeral service providers.

• If no premiums are paid for two consecutive months, the policy will lapse on the third of the third month. Reinstated policies will be subject to the policy's initial waiting period.

• Benefits will not be paid out in cash.
• Claims not made within 6 months after death will not be accepted and approved.