Individual Policies

  • Sahwira Lite Funeral Cash Plan

  • Six Pack Plan

  • Score Pack Plan

  • Conventional Policy

  • Sahwira International Plan

Sahwira Lite Funeral Cash Plan

Sahwira Lite is a funeral cash plan. The policy provides a specified cash benefit on death of a covered member. The plan pays out the sum assured immediately after receiving all the required documents.

Rates

Below are the cover levels (cash payout) and premiums per individual:

Sum Assured (Cash Payout)Individual Monthly PremiumIndividual Annual Premium
$200 $0.50 $6.00
$300 $0.80 $9.60
$400 $1.00 $12.00
$500 $1.30 $15.60

Key Features

  1. All the lives assured under the Sahwira Lite Funeral Cash Plan should be on the same cover level i.e. one cannot opt to cover one's self for $500.00 and their dependent/s for $200.00 etc.
  2. A maximum of three (3) biological/legally adopted children of the principal member, under the age of 23 years are covered for free where the policy is a stand-alone policy.
  3. Where the policy is an add-on to an existing policy, all biological/legally adopted children under the age of 23 years are covered for free i.e. more than the three (3) mentioned above.
  4. The policy is available as a stand-alone policy or as an add-on to an existing policy.
  5. Medical tests are not required.
  6. The policy covers other dependants for an additional premium.
  7. The policy has a waiting period of three (3) months. Cover is immediate if death is as a result of road traffic accident.
  8. Minimum entry age for the principal member is 18 years and maximum is 70 years.
  9. In the event of death of the principal member, the benefit is paid to the nominated beneficiary.

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To apply, download the form using the following link:


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Six Pack Plan

This funeral package is designed with the Zimbabwean traditional practices and culture in mind. It is our Zimbabwean practice that we care for our extended families in good and bad times. With the Six Pack Plan one can cover their spouse and children, parents and parent-in-laws under one policy transaction. Refer to Table 1 below.

One can also make their own Six Pack Plan by nominating any five members of their extended family. Refer to Table 2 below.

Table 1: Premium Rates Where Cover is for Principal Member, Spouse, Parents, Parents-in law and Children

The premium rates below are for a Six Pack Plan with the Principal Member, spouse, parents, parents-in-law and principal member's children under the age of 23 covered for free.

Plan TypeCoffin/CasketGrocery AllowanceMonthly PremiumMonthly Premium
Standard (Without bus)Plus (With bus)

Silver Six Pack

2 Tier Coffin

$200

$16.64

$40.44

Gold Six Pack

2 Tier Casket

$200

$19.18

$42.98

Diamond Six Pack

3 Tier Casket

$200

$21.72

$46.54

Platinum Six Pack

White Dome Casket

$200

$34.12

$56.90

 

 

 

 

 

 

 

 

 

 

Table 2: Premium Rates Where Cover is for Principal Member and Any Five of Principal Member's Extended Family of His/Her Choice and Children

The premium rates below are for a Six Pack Plan with the Principal Member and any five members of his/her extended family. Principal Member's children under the age of 23 are covered for free.

Plan TypeCoffin/CasketGrocery AllowanceMonthly PremiumMonthly Premium
Standard (Without bus)Plus (With bus)
Silver Six Pack 2 Tier Coffin $200 $16.99 $41.29
Gold Six Pack 2 Tier Casket $200 $19.58 $43.88
Diamond Six Pack 3 Tier Casket $200 $22.18 $47.52
Platinum Six Pack White Dome Casket $200 $34.83

$58.10

 

 

 

 

 

 

 

 

 

 

 


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Score Pack Plan

This plan provides funeral cover for the Principal Member as well as an unlimited number of dependents. It is entirely up to the policy holder to choose the number of dependents they want covered under this plan. Its uniqueness is in the flexibility on the number of people that can be covered from a single person to as many people as one would want. In all instances, members’ children under the age of 23 are covered free of charge. With the Score Pack Plan, not only will you “SCORE” for you and your family but for your favourite local PSL soccer team as well. For each premium payment you make, your nominated soccer club will get paid a certain percentage at no additional cost to YOU. (Only six football clubs currently participate in this arrangement).

Premium Rates

The premium rate is for every beneficiary covered, excluding principal member’s own children who are covered free of charge until they reach the age of 23.

Plan TypeCoffin/CasketGrocery AllowanceMonthly PremiumMonthly Premium
Standard (Without bus)Plus (With bus)

Silver Score Pack

2 Tier Coffin

$200

$2.90

$6.99

Gold Score Pack

2 Tier Casket

$200

$3.35

$7.42

Diamond Score Pack

3 Tier Casket

$200

$3.90

$8.02

Platinum Score Pack

White Dome Casket

$200

$5.92

$9.81


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Conventional Policy

This plan type covers the Principal Member, their spouse and children but extended family members cannot be included under the same policy transaction. This type of policy has a maturity period of 25 years and there are three policy types which are Budget, Classic and Executive. The differentiating factors are the type of coffin/casket, the provision of mourners' transport and video recording. Premiums are calculated according to age and family composition (Single, Single Parent and Two Parent). General Policy Benefits apply.

Executive Policy

This policy offers:

  • A choice of three caskets (standard dome, 3 tier and 2 tier)
  • Provision for a tombstone allowance which is 10% of the sum assured at the time of death and is paid 6 to 12 months after the funeral
  • Bus to transport mourners anywhere in Zimbabwe
  • Hearse to ferry the deceased to a place of burial anywhere within Zimbabwe
  • Video recording of funeral proceedings.

Classic Policy

This policy offers:

  • A choice of three caskets/coffins (3 tier casket, 2 tier casket and 2 tier coffin)
  • Hearse to ferry the deceased to a place of burial anywhere within Zimbabwe.

Budget Policy

This policy offers:

  • A choice of three caskets/coffins (2 tier casket, 2 tier coffin and open face coffin)
  • Hearse to ferry the deceased from place of death to place of burial anywhere within Zimbabwe.

Policy Conditions

In addition to the general conditions the following conditions also apply:

  • Policy term is 25 years
  • Only the member, spouse and all children below the age of 23 may be covered on the policy
  • No benefit is payable at any time during the life of the policy (within two years) if death is as a result of suicide
  • The age of the oldest life assured is used to determine the applicable premium.

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