Poloko is a scheme is a scheme providing services of funeral & undertaking(through country-wide network of parlours), supply of domes/caskets for its members according to the preferred package, mortuary services (accommodation, care and preparation of body) and set-up at the cemetery.
- The Scheme will provide immediate cover to the Main Member, Spouse (only 1), Children (max of 6) and parents (max of 4) and Extended Family (max of 8).
- The benefit structure and premiums payable will be as follows: Extended Family also covers Children who don’t qualify to be covered in the nuclear family (who are over 21 and/or 25 years). This is to extend the high cover benefit enjoyed by the Principal member. In this case, the premium will be paid by the main member who is the parent.
- Funeral and undertaking services covers the deceased from the place of death (home to hospital/clinic to certify death) to the mortuary where professional care resumes.
- Benefits are cannot be swapped out for cash (not transferrable)
- Members who choose to use services outside Poloko will do at their own cost
Entry Age
- Parent: maximum age of 85 years. Principal member & Spouse: maximum of 65 years
Waiting Period
- Death due to natural causes will be subject to no waiting period for member and immediate family
- Three months waiting period for the Extended Family members and Parents
- Suicide is subject to 12 months waiting period.