The Family Plan or Single Parent Plan includes main member, spouse and up to 6 kids under the ages of 21 years. Covers are up to R40 000 depending on the risk analysis. Extended members are covered in this plan at an extra premium. Age categories for Family Plan are as below:

*18-64 Years 

*65-74 Years

*75-84 Years 

*85-94 Years

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                                                                                Terms & Conditions

The terms are not limited to the below and the information is for guidance purposes only:

The Maximum Policy Benefit pay out across all Family Plans for a child below 6 and 13 years will be R10 000 and R30 000 respectively as limited by the Long-Term Insurance Act.

Dependants Benefit (0 – 5 years) : R10 000 Dependants Benefit (6 – 13 years) : R30 000 Maximum benefit for insured persons whose age is 14 years and above is R40,000 unless expressly stated otherwise.

Proof of previous insurance must be submitted at inception of the scheme in order to waive the waiting period for all existing insured lives. Failing to submit this information at inception will result in Kutuma applying the waiting period as stipulated above for all lives to be insured.

The waiting period will be waived for members who have been previously underwritten for 6 months for members below age of 74 years and 12 months for members aged 75 years and older. 

If the period of underwriting has been less than set out above the balance of the waiting period will be served with Kutuma.

In the event of electing a higher benefit from what you were previously underwritten for the  waiting periods will apply to the increased portion of the benefit not to the current benefit enjoyed. A Waiting Period as stipulated above will be applicable to the increased portion.

Principal members, spouses, children and extended members are not allowed to duplicate membership under the same policy, etc members may not be nominated more than once by the same principal member under the same policy.

Children below the age of 18 years are not permitted to be Principal Members on the policy.
Details of the lives to be insured must be provided to Kutuma at the time that the Principal Member joins the scheme and all the persons to be insured must be related to the Principal Member.

                                                                                        Wider Child

Wider child is a child who is 18 years or younger and does not qualify to be an eligible child but is financially dependent on the Principal Member. Proof of dependency should be provided at inception of the policy and at claim stage.

 On death of either a wider child of the Principal Member, Kutuma will pay an insured benefit as outlined in the table below to the surviving Principal Member of the deceased.
 This benefit may only be taken as an additional benefit to an existing Funeral policy with Kutuma.
 The Wider Children Plan can be taken by individuals or groups, companies or voluntary corporate burial society or Funeral Parlour, Churches or Stokvels.
                                                                          TERMS AND CONDITIONS:
 The policy will be Voluntary Limited to age 18 years.
 The policy makes provision for 10% commission where there is an intermediary involved.
 The minimum entry age will be 0 years.
 The maximum entry age will be 17 years.
 The policy makes provision for 4 wider children to be covered under 1 policy.
 The Wider Children Benefit can’t exceed the benefit of a Principal Member.
 All the lives to be insured must be related to the Principal Member and the Principal Member must have an insurable interest in all lives insured under the policy.
 Six (6) months Waiting Period will be applicable for all lives insured under the policy