• 1.) Kenyan
• 2.) Residence-Diaspora-they live outside Kenya at the time they open their account. The account and policies will remain valid if they relocate to Kenya after they open a WIN Account.
• 3.) Age-Over 18 years. No age limit.
• 4.) Kenyan ID/Passport-Attach a copy of their Kenya ID or Passport. Names listed must match names on the Kenya ID/Passport provided. The Kenya ID or Passport verifies you are a Kenyan. Expiration date is not taken into consideration.

• The person taking out the Policy. They must have a WIN Pamoja account.

• Each WIN Pamoja account holder gets personal WIN Account. This is a free account that is issued when Diaspora open a New User Account.
• It has a unique User Name which the account holder selects during account opening.
• It is a personal account belonging to the account holder.

• Your information and contacts.
• Copy of your Kenyan ID or Passport.
• You will select a unique User name

• The Insured is the family member whose life has been insured against death by The Policy Holder.
• The Insured is named on the Policy.
• A Claim of Kshs 500,000 can be made by The Policy Holder, upon the death of The Insured.

• 1.) Family-Husband, Wife, Children, Father, Mother, Brothers, Sisters. No in-laws. No step family. No grandparents. No grandchildren.
• 2.) Residence-Family member must be living in Kenya at the time of the initial insurance. Their active policies will remain valid if they later relocate from Kenya.
• 3.) Age-Before the family member being Insured turns 75 years. Their Policy is renewable until they turn 85 years.
• 4.) Health Status- The Policy Holder must complete the Health Declaration Form to provide information about the health status of the family member. This will classify their Health Status as Category A, B or C. (see Health).

• Nothing. You DO NOT need anything from your family member
• No ID/Passport copy.
• No Health Test.

• No Medical Checkup is required, however The Policy Holder completes a Health Declaration Form with health information about the family member being insured.
• The Health Declaration Form must be completed during Applications and Renewals.
• Based on the health information provided, the application assigns a Category:
  • Category A – Confirms that The Insured has no listed health Risks.
  • Category B – Confirms that The Insured has some health Risks. An additional Fee of $80 per year is paid.
  • Category C – Confirms that additional documentation is required for the application to be submitted. WIN Pamoja will therefore not forward the application to APA Life Insurance until additional documentation is provided.

• Insurance is a contract between an individual (Policy Holder) and an insurance company (Insurer), in which an individual receives financial protection against losses in exchange for an agreed payment(Premium).
• APA Life Insurance is the Insuring company that will pay the Claim
• Life insurance is a contract that agrees to pay an agreed sum of money upon the death of “The Insured” person. This is a contract, between a Diaspora and APA Life Insurance. The agreed sum payable upon death of “The Insured” is Kshs 500,000.

WIN Pamoja is the digital Platform through which Diaspora connect to APA Life Insurance

This is the document that is issued by APA Insurance after your application has been reviewed and accepted by APA Insurance. It lists information about The Policy Holder, The Insured, The Sum Assured, The Issue Date and Expiration Date.

The Sum Assured- This is the amount of Kshs 500,000 that payable upon a Claim.
- Policy start date - This is the date when the Policy cover begins.

Policy Expiration Date- The policy is valid until the listed Policy Expiration Date, after which the Policy becomes invalid. When you renew the policy, you will receive a renewed Policy with a new expiration date.

Terms and Conditions - Click to view the Policy Terms and Conditions.
- Lists the agreement between the Policy Holder, WIN Pamoja and APA Insurance.
- A Policy Terms and Conditions is included with every new or renewal certificate.

Submit a claim

1. Submit a Claim

2. Upon the passing of “The Insured”, the Policy Holder must email a Claim Form with all the required Claims documents to Pamoja@winpamoja.com.

Required Claim Documents

• Claims Form
• Policy Holder Kenya ID/Passport.
• Deceased Kenya ID/Passport/Birth Certificate (for children under 18 years)
• Original Death Certificate
• Police Abstract if death is due to an accident,

NOTE - All document names and date of birth must match original information provided in The Policy

Circumstances under which a Claim is NOT paid

• Death occurs during the 6-months Waiting Period.
• Death occurs while the Policy was Expired or Cancelled.
• Death due to Suicide
• Death occurred because The Insured willfully exposed themself to high risk situations that caused bodily harm (example fights), except in an attempt to save human life.
• Death while performing criminal offences (example burglary)
• Death due to Alcohol / illegal drugs / Narcotics / substances (except as prescribed by a registered medical practitioner).
• Death occurred under active participation or a victim of civil war, rebellion, revolution, military or usurped power, riot, civil commotion, violence or any act of terrorism or:

Claims Bank Deposit

• The Policy Holder must provide a Bank Account IN KENYA where Claims payment will be deposited.
• If the bank account does NOT belong to The Policy Holder, they must provide a letter from the Account Holder authorizing for the payment be deposited into the Bank Account.
• The required Bank information is: Bank Name, Bank Branch, Bank Address and Account Name, Account Number

6-Months Waiting Period

1. The Insurance Policy is effective immediately it is issued, however Claims can only be paid if death occurs after the initial 6 months of the initial Policy Issue date.