Government Schemes

Government SchemesAll Government departments are eligible

Policy benefits

  • Hearse to transport the deceased to a place of burial. (Anywhere in Zimbabwe)
  • Use of a bus to transport mourners to a place of burial anywhere within Zimbabwe where applicable (for those
    covered under schemes with bus).Where a member opts for cash in lieu of bus service, the amount would be:
  •     a. US$200.00 for local transport
        b. US$250.00 throughout the country
  • Removal of the deceased from place of death to mortuary within a 30km radius.
  • Use of chapel where applicable.
  • Preparation of deceased for burial
  • Supply of gravesite equipment i.e. tents and lowering machine
  • Documentation processing i.e. burial order
  • Provision of Casket depending on policy type chosen
  • Grocery allowance of $250.00
  • Post funeral stabilisation fund of US$750.00 payable within 10 working days, applicable to the immediate
    family only.
  • International cover for the immediate family. Cash in lieu of US$1000.00.
  • Basic cover for still birth without bus and grocery.

Terms and Conditions

Policy will mature in the following ways:

Breadwinners Benefit: For the immediate family when the principal member has passed on after paying
premiums for at least 36 months.

  • Term to maturity for revived policy is 10 years
  • Term to maturity for new policy is 20 years
  • Cover is immediate to the principal member and immediate family i.e. spouse and all biological children who
    are single and who are under the age of 18 or 23 years if under tertiary education including still births on
    commencement of policy.
  • Awaiting period of three months is applicable to all other dependants.
  • Other dependents under this scheme are specified as parents, in-laws and or anyone as appointed by the
    principal member.
  • Policies may be converted into other packages for the remaining years to maturity using terms and conditions
    under the government pension scheme or individual policy, whichever the policyholder prefers
  • Premium is due on the first of each month and is paid in advance, commencing on the 1st day of each month.
  • A grace period of 30 days shall be allowed for non -payment of premiums, thereafter the policy will lapse and
    all premiums already paid shall be forfeited.
  • Premiums are reviewed in line with the cost of service provision and claims experience.
  • The first three dependants under Classical Plan are covered for free. Any additional dependants (up to three)
    will attract an additional premium
  • Under Executive Plan there are no dependants on free cover.
  • It is the duty of the policyholder to ensure premiums are paid and up to date in order to make these
    obligations enforceable at law.
  • It is the duty of the policyholder to provide ID numbers and Dates of Birth within 3 months in order to ensure
    continuation of cover.

This policy does not cover

Death resulting directly or indirectly occasioned by through or in consequence of:

  • Suicide within a period of 2 years after having taken a policy.
  • Post funeral stabilisation fund will not apply to Children under the age of 12 years
  • Children that are not added on the policy after a period of six months after birth.

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