Legal · Membership
Terms & Conditions
Everything you need to know about your KAVA-YU membership — your rights, your responsibilities and our promise to you.
Section 1 · All Members
Standard Terms & Conditions
These terms apply to every KAVA-YU member regardless of the package chosen. They govern registration, contributions, grace periods, claims and the obligations that come with membership. Please read each clause carefully before registering.
Membership Rules
Your Obligations as a Member
By registering for Kava, the member confirms that they meet the minimum age requirement and have provided accurate personal information. Membership is open only to individuals who are 18 years of age or older. Kids/toddlers must be above 1 year — NOT under.
All members must complete the registration process and provide the required Know Your Customer (KYC) information, including identification and personal details. Kava reserves the right to verify the information provided during registration.
Members are required to make monthly contributions based on the package and cover selected. Contributions must be paid consistently in order to maintain an active membership status and eligibility for services.
After registration, a grace period applies before the account becomes active. For members and dependents below 70 years, the grace period is four (4) months from the date of registration and approval. If a dependent is added after approval, the grace period shall be 8 months. For any member or dependent above 70 years, the grace period is six (6) months.
Members must declare any known pre-existing medical conditions affecting themselves or their dependents at the time of registration. Failure to disclose may result in denial of services, cancellation of benefits, or refund of premiums within the stipulated grace period.
Members must ensure that all information provided is accurate and truthful. Providing false or misleading information may result in suspension, termination of membership, or denial of services. The BULL Package pre-qualification is based on consistency in the services payment plan.
If a member fails to pay monthly contributions for two (2) consecutive months, the account will be considered in default.
A defaulted account will not be entitled to any Kava services or benefits until properly reactivated. Reactivation requires paying the registration fee again. Upon reactivation, the account is treated as a new registration and the applicable grace period will apply again.
Reporting a claim after burial shall be treated as fraud, or the next of kin shall be surcharged for failure to report the incident as soon as possible.
Services provided will depend on the package selected and the active membership status at the time a claim is launched. Deaths outside Kenya are excluded unless the family ferries the body within the country at their own cost.
Kava reserves the right to verify all information, update membership records and enforce these terms to ensure fairness, transparency and sustainability of the program. Individuals over 100 years of age cannot be covered or registered.
Death resulting from participation in unlawful activities — including drug abuse, alcoholism, terrorism, or riots resulting from political, social, or economic grievances — are NOT honored.
By registering for Kava, the member confirms that they have read, understood and agreed to these terms and conditions and accept the obligations related to membership and contributions.
In Demise
Claims & How We Process Them
Our claims assessment, processing and payout is faster and paperless via biometrics — as seamless as possible. At KAVA we have ensured our automated claims assessment is real-time for quality and fairness. This ensures clients stay focused on their lives while we handle bereavement matters with care and urgency.
📄 Required Documents
- Burial permit — original, not a photocopy
- Morgue/mortuary notification bearing Pay Bill/Till No. — original, not a photocopy
- Police abstract in case of accidental death
- Copy of ID of the registered beneficiary
- Completed claim form
⚡ Fast & Paperless
Reach us on working days via our office line or email at [email protected]. Claims are processed in real-time for quality and fairness — because every hour matters when a family is grieving.
Section 2 · Bull Package Only
Bull Package Terms & Conditions
The Bull Package comes with its own additional set of terms that sit on top of the Standard Terms above. If you are a Bull Package member, both sets apply to you. Where there is a conflict, these terms take precedence for matters specific to the Bull Package.
Bull Package at a Glance
What the Bull Package Covers
The Bull Package extends cover to your immediate family — principal member, spouse, kids and parents — under a structured annual plan with fast-tracked claims and clearly defined grace periods.
Bull Package Rules
Bull Package Specific Conditions
Principal member plus spouse and up to 4 kids are covered.
Age limit is 21 years for kids and 80 years for parents.
Each parent has their own policy as per the category chosen among the 3 Classes.
Multiple claim payment is capped at 3 claims per year across all Classes.
Turnaround time is 48 hours upon submission of all required claim forms.
Disclosure of adopted kids is mandatory at the point of registration.
Parents with underlying conditions — after affirmation — warrant a 1-year grace/pre-qualification period. If not, 50% payment warrants apply.
Step-parents require a 1-year grace period before qualifying for benefits.
Parents over 75 years of age require an 8-month grace period (without underlying conditions).
Kids born with pre-existing conditions must be disclosed before approval for the Bull Package.
Grace period is determined by completion of the annual payment for all packages. Lapse and renewal shall be done annually.
There shall be no refund after approval of payment and affirmation in the system.
People with underlying conditions and kids with disability are eligible for Class A coverage only.
Late renewal of the cover or a change in category shall attract a 4-month grace period.
A child who outgrows the age limit (18 years, or 21 years if in college) automatically transitions their overall cover.
The package for parents and in-laws covers biological parents only. Others may be categorized under sole registration.
Members must nominate a beneficiary at the point of on-boarding for the Bull Package.
Suicide and riots are excluded from payment whatsoever.
Double registration for the Bull Package is allowed.
For Muslims registered under the cover, standard T&Cs apply for the services section.
Do NOT make payments for the Bull Package via cash. Use the designated payment plan via the TILL No. provided by KAVA.
You Are Covered
Ready to Join KAVA-YU?
Now that you have read and understood our terms, take the next step. Explore our membership packages and apply today — no family should face grief alone. Tuko Nawe.