Hekima Critical Illness Plan

Hekima Critical Illness Plan

3 reasons to choose Hekima Critical Illness Plan

  • Entry age: If you're between 18 and 60, you are eligible to enroll in our plan. 
  • Flexible premium payments: We review our rates yearly to ensure you always have the best options available.
  • Inflation protection: To make sure that your benefits remain in line with the increasing expenses, inflation protection is available.



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More about the product

Life is full of unexpected events, and we understand that you want to guarantee that your loved ones are cared for no matter what happens. Our Hekima Plan provides peace of mind by ensuring that your family's financial needs are met, even when you are not there to support them.

Entry age: If you're between 18 and 60, you can sign up for our plan. 

Premium payments: The monthly payment depends on your age and the amount of coverage you choose. We consistently review your rates yearly, providing you with flexible options.

Inflation protection: Worried about inflation? You can pick protection between 0% and 15%. This way, your benefits will match rising costs over time. 

  • Hassle-free signup: No need for medical tests for coverage of KES 7M or less
  • No limits on beneficiaries: Flexibility in choosing any number of beneficiaries for your plan
  • No waiting time for accidents: Immediate coverage in case of accidents, giving you peace of mind
  • Enjoy cashback for being claim-free: Get 10% of your death benefit back if you haven't made any claims by the end of the policy
  • Global protection: Keep your coverage worldwide as long as you keep paying your premiums
  • Financial security for your family: Your loved ones will receive a lump sum if something happens to you
  • Coverage for life-altering disabilities: Get a lump sum if you experience a major disability, providing essential financial support when needed.
  • Coverage for critical illnesses: We give you 30% of your coverage, protecting you during life's most challenging health battles

A policyholder aged between 18 and 60 years of age.

There is no waiting period for accidental causes of the insured event. There is a 6-month waiting period for natural causes from the cover start date. Immediate coverage may apply for Life Assureds who have undergone medical underwriting. Cover starts on the first month following receipt of the first premium payment and completed and signed application

You or your nominated beneficiary may go to your appointed broker, agent, or Liberty sales consultant to lodge the claim. All valid claims will be paid after all the required claim documents have been submitted to Liberty and the claim assessment complete.

Relevant Documents and Forms

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As Manager, providing a reliable hekima fund to our employees is not just a perk, but a promise for their future. 

Grace T, 34
13 years experience