FAQ
Frequently asked questions (FAQ) in Insurance
Premiums are payable in advance in accordance with regulatory requirements, but may be settled through Insurance Premium Financing (IPF) or agreed and approved payment plans.
Unfortunately, the member may have to take out a separate policy, as insurance contracts are annual and cannot be modified during the course of the contract, unless the member benefits from a self-financed guarantee providing additional cover.
Group life insurance covers only your immediate family, i.e. your legal spouse and children. However, you can take out separate individual cover for them if a group solution cannot be adapted to their needs. Siblings under 25 who are still at school may be covered by your parents, if applicable. People over 18 who are not attending school may require separate cover.
Contact our Zamara customer service, available 24 hours a day.
The premium charged by the insurer does not vary when you choose us as your broker. However, thanks to our added value in insurance, our expertise in medical brokerage and our superior service, we bring considerable added value to our customers.
The premium charged by the insurer does not vary when you choose us as your broker. However, thanks to our added value in insurance, our expertise in medical brokerage and our superior service, we bring considerable added value to our customers.
These guarantees will be clearly indicated on your insurance contract, depending on the cover taken out. General exclusions include: dangerous sports (bungee jumping, paragliding, etc.), cosmetic treatments (except accidental), family planning or infertility treatments, drunkenness, drug addiction, intentional self-mutilation, attempted suicide and herbal treatments, among others.
Upon return of the Certificate of Automobile Coverage, your policy will be cancelled and you will receive a refund of your premium if you had not made a claim.
Yes, you can upgrade from TPO to full coverage after one of our designated service providers has inspected your vehicle and a premium payment has been agreed.
1. Medical
The following documents are required for outpatient claims:
Original application form
Original receipts for all payments made
Copy of prescription for medication dispensed
Laboratory/radiography/MRI/scanner requests
On admission: Discharge report, final hospital bill, X-ray/imaging results, doctor's payment receipts (if applicable), completed hospital insurance application form.
2. Group life insurance
In the event of death :
Original death certificate
Certified copy of ID/ID card
Copy of pay slip
Autopsy report/criminal record extract (in case of accident)
Original application form
Exit voucher
3. Automotive
In the event of an accident :
Completed application form
Copy of valid driver's license and proof of identity
Original autopsy report
Claim documents can be forwarded to our office via HR, or we can arrange for the rider to collect the claim depending on the customer's location.
Loss or damage caused by natural perils, including floods, rainstorms, earthquakes, hurricanes, etc.
A vehicle is considered overloaded when it exceeds the load capacity indicated in the logbook. A vehicle is also considered overloaded when it carries more passengers than its seating capacity.
Employees are free to change their beneficiaries. This process requires them to complete the "Change of beneficiary" form that we make available through their employer, and then the employer will forward it to us for beneficiary modification.
The service provider must send a formal request by telephone or e-mail to Zamara's case management team, specifying the type of service requested and the diagnosis. The case management team will then be able to advise you accordingly.
You must provide the membership number which, after verification on the system and confirmation of proof of payment, will ensure that the card is activated immediately.
A disease, condition or injury that has at least one of the following characteristics: incurable or recurrent, resulting in permanent disability, caused by irreversible bodily changes, requiring specific training or rehabilitation, or requiring prolonged monitoring, follow-up or treatment. Examples: cancer, asthma, hypertension, diabetes, chronic lumbago, arthritis, etc.
This is a package that policyholders must pay for specific medical services provided by specific providers. This type of package is generally used for outpatient consultations.
This is the amount paid to beneficiaries to cover funeral expenses within 48 hours of confirmation of a member's death. This amount is payable upon presentation of the burial permit or death certificate.
The deductible, also known as the "excess", corresponds to the initial amount of the claim payable by the insured. If the deductible is Kshs 5,000 and the total cost of repairs is Kshs 30,000, the insured must pay Kshs 5,000, while the insurer pays the remaining Kshs 25,000.
FAQ : Offering a pension
The donor is the person who offers the Fahari retirement plan to someone else.
The beneficiary is a member of the Fahari Retirement Plan, the recipient of the gift. This can include family members, household staff, gardeners, security guards, mechanics or anyone who has an impact on your life.
You'll need a cell phone number and your national identity card or alien certificate number.
You can consult the "How it works" section of the website and use simple tools such as the presentation video, savings calculator and plan details.
KYC is an acronym for "Know your Customer", a term used for the customer identification process. This can include proof of identity and proof of address. The aim of KYC guidelines is to prevent banks from being used, intentionally or unintentionally, for identity theft, financial fraud, money laundering and terrorist financing.
English 
Français 
