Ni Yathu Life
Product Description
This product offers Zamtel clients who purchase Zamtel data bundles with insurance with the option of the Funeral policy. Bestlife Insurance Limited will cover the Zamtel clients in the event of untimely death of the policy holder.
| Product | Price | Bundle Validity | Insurance Cover Period | Sum Assured (Benefit) ZMW | Age Limit | Waiting period |
|---|---|---|---|---|---|---|
| 7 Onnet Mins & 120 SMS- Daily | K3.00 | 7 days | 4 months | 1,500.00 per bundle purchased Maximum Cover 10,000.00 per single sim card 20,000.00 for multiple sim cards | 16-75 years | Non for accidental death, one due natural causes and six months for suicide |
| 2.5GB & 50 Mins- Weekly | K11.00 | 7 days | 4 months | 1,500.00 per bundle purchased Maximum Cover 10,000.00 per single sim card 20,000.00 for multiple sim cards | ||
| 70 Mins 220 SMS & 80MB- Weekly | K11.00 | 7 days | 4 months | 1,000.00 per bundle purchased Maximum Cover 10,000.00 per single sim card 20,000.00 for multiple sim cards | ||
| 2GB- Weekly | K16.5 | 7 days | 4 months | 1,000.00 per bundle purchased Maximum Cover 10,000.00 per single sim card 20,000.00 for multiple sim cards | ||
| 12.5GB- Monthly | K103.0 | 30 days | 4 months | 1,000.00 per bundle purchased Maximum Cover 10,000.00 per single sim card 20,000.00 for multiple sim cards |
- Policyholder: The owner of a Zamtel registered sim card who holds an insurance policy with Bestlife Insurance through the Zamtel platform.
- Insured: A Zamtel subscriber whose life is covered under the funeral policy.
- Beneficiary: The person designated to receive the policy benefits upon the occurrence of the insured event.
- Premium: The amount payable by the policyholder to maintain the insurance benefits.
- Policy: Funeral Assurance Policy
How to access Zamtel Funeral cover
- Customers on Zamtel must dial *117# and select the first option on the menu.
- To purchase a policy, you must be a registered Zamtel subscriber and meet the age and health criteria specified for the product.
- The insurance benefit shall only apply to the registered owner of the sim card between the age of 16 and 75 at commencement date of the policy.
- Eligibility for this funeral insurance policy is restricted to individuals who are not currently receiving hospice or palliative care. Any applicant who is receiving hospice care, defined as care provided for individuals diagnosed with a terminal illness or for whom curative treatment is no longer pursued, will be deemed ineligible for coverage. If it is determined that an individual was receiving such care at the time of policy activation, any claim for death benefits will be limited to a refund of premiums paid, without interest.
- Policy coverage commences only after the purchase of Zamtel bundle with embedded funeral cover.
Max Cover: ZMW 10,000.00 per SIM | ZMW 20,000.00 for multiple SIMs
How to claim
All claims shall be submitted to Bestlife Insurance by the next of kin using any of the following channels:
- Official Zamtel website or My Zamtel App,
- Upload claim supporting documents,
- WhatsApp or Call - 0953 765656 or,
- Email - claims@bestlifezambia.co.zm
Where the claimant is unable to upload the documents, the documents should be delivered to the nearest Zamtel offices or Post office. All valid death claims are settled within 48 hours upon receipt of all claim supporting documents. All death claims must be notified to Bestlife immediately the family representative learns about the death of the member.
- Death claims notified to Bestlife Insurance after 180 days from the date of death will not be valid for settlement. Confirm the period.
- The company reserves the right to investigate and verify claims before settlement.
How to Access
Dial *117# and select option 1.
How to Claim
- Via Zamtel website or My Zamtel App
- WhatsApp/Call: 0953 765656
- Email: claims@bestlifezambia.co.zm
- Or visit the nearest Zamtel/Post office
- Claims must be made within 180 days of death
- Settled within 48 hours once documents are received
Exclusions
No sum assured here under on that person’s Life shall be payable by the Insurer.
- If the death of the Life Assured resulted directly or indirectly from:
- Intentionally self- inflict injury, suicide or suicide attempt (whether sane or insane)
- War, whether declared or not, from warlike action, civil war, and insurrection;
- Engaging in aviation other than as a fare-paying passenger on a regular route of a recognized airline,
- Death due to Pre-existing conditions within one (1) month from the commencement of the policy.
Policy Renewal and Termination
- Policies are renewable upon payment of renewal premium.
- Bestlife Insurance Limited reserves the right to terminate the policy in cases of fraud, misrepresentation, or non-payment of premiums.
Confidentiality and Data Protection
- Bestlife Insurance Limited is committed to protecting the privacy and confidentiality of our clients' personal information.
- Personal data will be collected, used, and stored in accordance with our Privacy Policy and applicable laws.
Amendments
- Bestlife Insurance Limited reserves the right to amend these terms and conditions at any time. Changes will be communicated to policyholders through Zamtel.
Contact Information
For any queries or complaints regarding these terms and conditions or services, please contact Bestlife Insurance Limited at:
Bestlife Insurance Limited
Plot 3577, CORNER OF CHIKWA ANS SUEZ ROAD
Telephone: 0211-250281/82
Email: info@bestlifezambia.co.zm
By purchasing our insurance services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.