Personal cover
Your income
Your salary, your family and a savings pot that grows alongside it. Salaried employees who want cover and savings in one policy.
Employee Protection Insurance
Designed for employees, taken individually or in groups.
The policy extends cover to the employee's family members and insures loss of income due to the subscriber's illness or accident. A special savings feature lets employees grow personal funds accessible after three years from subscription.
Best for: Salaried employees who want cover and savings in one policy.
Benefits of Employee Protection Insurance
- Cover extends to family members and to loss of income from illness or accident.
- Savings component accessible after three years from subscription.
- Option 1 — RWF 25,000 monthly (risk 9,410 + savings 15,590), from a RWF 500,000 estimated salary: death or total permanent disability pays 15 salaries; loss of income 15 salaries × 75%; spouse or child death RWF 1,000,000.
- Option 2 — RWF 15,000 monthly (risk 5,000 + savings 10,000), from a RWF 300,000 estimated salary: death or total permanent disability pays 5 salaries; loss of income 5 salaries × 75%; spouse or child death RWF 500,000.
Product features
The fine print, in plain words.
- Single employees can replace family dependents with parents aged under 65.
- Married employees can add parents and parents-in-law for an extra RWF 2,500 monthly.
- Annual interest generated on savings deposited.
- No waiting period in case of accident; two months for other cases.
Employee Protection Insurance
What's in, and what isn't.
We put the exclusions on the same page as the benefits. It's the only honest way to compare cover.
What's covered
- Cover confirmed the moment payment clears
- Claim preparation costs included at no charge
- Toll-free claims support on 1320, around the clock
- Renewal reminders by SMS before the policy lapses
What isn't
- Deliberate damage or fraudulent declarations
- Driving or operating without a valid licence or permit
- Wear, tear and mechanical breakdown over time
- Losses declared after the policy period ends
If something happens
Declare it, and we move.
Easy motor claims under RWF 500,000 are settled within one hour of a complete declaration. Partial and total loss within two working days of assessment.
See the claim steps