Procedures to follow when one dies

(a) What to do when policy holder dies

• 1. When one dies the claimant should contact the funeral assurance company for the claim of the deceased to be processed.


• 2. The funeral company will send a hearse for removal of the body to the mortuary where applicable. In cases where the deceased is in remote area, the funeral company will send a coffin and prepare the body for burial.


• 3. The claimant should produce the following documents to the assurance company when making a claim:
  • ID of policy holder
  • Policy Contract
  • Proof of death – One of the following documents can be produced as proof of death: (Burial order, bd11 form, Death certificate, An affidavit, Confirmation letter from the village headman or chief)

(b) What to do when dependant dies

• 1. The same procedure of processing the claim for policy holder will apply when the dependent dies.


• 2. What is critical is the identification of the policy holder, the claimant should have a policy number or the details of the policy holder for the assurance company to verify the validity of the claim.


• 3. The National id or birth certificate of the deceased dependent is required by the assurance company for verification.


• 4. Proof of death – One of the following documents can be produced as proof of death:
  • Burial order
  • bd11 form
  • Death certificate
  • An affidavit
  • Confirmation letter from the village headman or chief
  
  

(c) What to do when death occurs in remote areas

• 1. When Death occurs in the remote area, the claimant should report the death to the nearest Police station or Village headman to certify the death.


• 2. The claimant will be given an affidavit form from the police or a letter from village headman to process his claim.


• 3. After the claim is lodged with the funeral company, a hearse and coffin is sent to the remote area to prepare the body for burial or remove the body of the deceased to the mortuary where applicable.

(d) What to do when death occurs in towns and cities

• 1. Place of death will determine the process to be followed.


• 2. If Death occurs at home ,the claimant should notify the nearest police station , The police will assist with processing of documents required for burial. When the police have identified the body of the deceased the claimant can contact the Funeral assurance company for removal of the body to the mortuary or the hospital for postmortem depending with the circumstance. After the proof of death documents are processed the claimant should take the documents to the Assurer to process his claim.


• 3. If death occurs at the hospital, the claimant death will be given a bd11 form which is the notice of death which is used to process the burial order through the police post at the hospital. After that, the claimant should contact the assurer for removal of the body to the private mortuary and processing of the claim.