Riziki Cover Insurance is FREE to certain Equitel customers, depending on how much airtime or bills you pay via My Money in a certain month.

To qualify, you must : 1. Be an Equitel customer 2. Complete a one-time registration by dialing *745# OR sending the word 'EQUITY' to 74035 and following the easy steps. 3. Spend at least Ksh 100 airtime on your Equitel line OR carry out M-banking transactions of at least Ksh 1000 in one month to get free coverage for the next month, for example, if you spend at least Ksh 100 in January, you will receive free insurance in February. 4. Spend at least Ksh 100 AND perform M-banking transactions of at least Ksh 1000 in a month, to receive double the benefits for the next month. Please note that you must continue to meet the criteria each month to get coverage for the next month.

The benefits for Riziki Cover as below: {TABLE} Additional benefits include: Riziki Cover will pay you an amount per night that you stay overnight in a hospital. Customers are eligible for this benefit if they have stayed 3 or more nights in a row in a hospital. This benefit will be paid for every night of stay, from the first night. There is a maximum benefit equivalent to 30 nights during a 12-month period. The benefit amount is not meant to cover the costs of medical care, but can be used as you wish. For example, it could be used to replace some of the income lost due to hospitalization or to cover some of the additional costs often incurred along with hospitalization like medicines, food, or transportation. The benefit amount will be paid to you as the Equitel subscriber into your Equity Bank account. See examples in the table below: {TABLE}

Your cover will start immediately when you register for insurance provided you have qualified for cover based on your previous months' Equitel activity. Each future month the coverage runs from the first day of the calendar month through the last day of the calendar month. For instance, if you sign up on April 16, you will receive coverage from April 16-30. Your next month's coverage would go from May 1-31 provided you meet the loyalty criteria again in April.

The cover is only for the registered Equitel subscriber. No additional people may be covered by Riziki Cover.

Your cover is valid for one calendar month. If you want to extend cover to the next month, you must meet the criteria again in the current month (spend at least Ksh 100 or perform M-banking transactions of at least Ksh 1000). This product is an Equitel promotion and may be discontinued in the future, with at least one month’s notice given to customers.

There are two different plans, each with its own cost: The Riziki+ Personal Cover, which cover only the registered Equitel subscriber. And the Riziki+ Family Cover, which covers the registered Equitel subscriber, one spouse, and your biological children aged 18 or younger. You can also choose whether you want to pay for 1 month or 6 months at a time. If you choose to pay for 6 months, you receive a discounted price.

Riziki+ Cover will pay you Ksh 2,500 per night that you stay overnight in a hospital. Customers are eligible for this benefit if they have stayed 3 or more nights in a row in a hospital. There is a maximum benefit equivalent to 30 nights during a 12-month period, for each person covered on the policy. The benefit amount is not meant to cover the costs of medical care like NHIF or other medical covers, but can be used as you wish. For example, it could be used to replace some of the income lost due to hospitalization or to cover some of the additional costs often incurred along with hospitalization like medicines, food, or transportation. The benefit amount will be paid to you as the Equitel subscriber into your Equity Bank account. See examples in the table below:

To sign up, dial *745# OR sending the word 'EQUITY' to 74035 and following the easy steps. No information required if you buy an individual plan. All you need to provide is the name of your spouse if you choose the family plan. Simple and fast!

There is a one month waiting period for your full cover to become active after you sign up. However, even in the first month, you will be covered if you've paid your first premium AND your hospitalization is due to an accident. Please note: An accident means any unforeseeable event like a vehicle crash. Accident does NOT mean sickness.

This depends on your Premium Payments. If you choose to pay for one month, your coverage is active for one month. Your coverage will continue as long as premiums continue to be paid each month. If you choose to pay for six months, your policy will be active for 6 months. Your coverage will continue as long as premiums are paid again after 6 months. Children's cover ends when they turn 19

Insurance customers pay their premiums either in three ways: (1) by dialing *745#, (2) using Equitel’s My Money on the STK, or (3) by setting up a debit order. You choose which way to pay when you purchase the product. The easiest way to pay is to dial *745#, select Client Services, and select Make Payment. You can choose to pay for one month or for 6 months at a time. You’ll be prompted to enter your PIN and you’ll receive confirmation of payment. You can also pay with My Money by going into the Equitel Menu, Select My Money, Select EazzyPay, Select Paybill, Enter the Business Number (745000). When prompted to Enter Account Number, you should input your Equitel mobile number. Finally, input the amount for either a one-month or six-month premium, and then confirm the payment by entering your PIN. With both of these options, you are responsible for sending your payment before it is due. You can check your payment due date in the *745# menu. You will also receive an SMS notification before premiums are due. Alternatively, you can set up a debit order to have your premium automatically pulled once a month from your Equity Bank account. To set this up, please visit the Bancassurance Officer at your nearest Equity Bank branch.

We give you one month to pay your premium. If we can't collect your premium amount by the end of the month when it's due, your cover will be suspended for the next month. If you pay your premium during the cover suspension month, your cover will immediately automatically restart. If you fail again to pay the premium during the cover suspension month, your policy wi ll be terminated. If you decide to restart after this point, a new 30-day waiting period will apply.

Any Equitel subscriber over the age of 18 can sign up. To purchase the Riziki+ Cover policy, you must have a bank account with Equity Bank. If you choose Riziki+ Cover, you (and your spouse, if buying the Riziki + Family Cover) must be between 18-65 years old and your children 18 or younger. Once signed up, coverage can continue indefinitely as long as premiums continue to be paid and the subscriber is alive. Children's cover ends when they turn 19.

No, Riziki and Riziki+ Covers are meant to work well with NHIF, not as a replacement. Our product as a “top-up” to add additional benefits on top of NHIF.

Yes, you can have both products at the same time.

You are only able to collect a maximum payout equal to 30 nights in the hospital in a 12-month period, for each policy. This applies separately for each covered person. ( i.e. each family member on a family plan can get paid for 30 nights in 12 months).

You can stay in any hospital with inpatient facilities licensed by Ministry of Health, Government of Kenya, whether public or private. The stay must be overnight for three nights or more in a row.

There are no exclusions on types of illnesses or causes of hospitalization. As long as your illnessrequires you to stay 3 or more nights in a row in the hospital, you will be covered.

No. These insurance products do not cover the cost of medical care or reimburse you for any medical expenses. It pays a fixed amount per night for stays of 3 nights or more directly to the subscriber's Equity Bank account. You can do what you want with the cash benefit, but some suggestions are to help with lost wages, transportation costs, or private medicine.

Yes. You still need to pay any costs required by the hospital. The Equitel insurance products do not cover the cost of medical care and only pays cash to you once you are discharged from the hospital. If you have a really long stay (10 nights or more), you can start your claim while you're still in the hospital.

If you get sick, visit your doctor or go to a clinic or hospital. Your doctor will determine if you need to be hospitalized. If you are hospitalized and have to stay 3 nights or more, call the insurance call center (0763 063 745) to begin your insurance claim once you are discharged. If you have a really long stay (10 nights or more), you can start your claim while you're still in the hospital

Call the insurance call center via 0763 063 745 to submit you claim. You will be given details on next steps. For hospital claims, you will need to submit copies of your ID, hospital payment invoice/receipt as well as documents showing date of admission and discharge signed by a doctor or hospital. If you are claiming for a child on a family plan, you will also need to provide a birth certificate, showing they are your biological child. If you are claiming for a spouse on a family plan, you may also need to provide proof of relationship. Claims must be submitted within 90 days from the day of discharge from the hospital.

We aim to pay claims in 48 hours or less. If your claim is approved, your benefit will be paid into your Equity Bank account.

If the policy holder dies during a hospital stay of 3 nights or longer, their next-of-kin can make a claim by following the claim procedures. Proof of relationship will be required.

Premiums are non-refundable. Once paid, premiums are used to fund claims for the unfortunate policyholders who have been hospitalized.

We offer flexible payment options so you can pay for 1 month or 6 months at a time. Some may opt to pay for 6 months all at once, if they know that they might not have money later on. This prevents them from losing coverage on months when they might not be able to pay.

To change your plan or cancel your policy, dial *745# and follow the easy steps.

At this point, you can only cover one spouse and children on the Riziki+ Family Cover. You can encourage other family members of age 18 and above to buy their own policies through their Equitel SIM cards. We cannot cover multiple spouses in the case of polygamous marriages.

No, your Riziki Cover and Riziki+ Cover products that are accesses via Equitel are insured through Britam Insurance Company of Kenya.

These insurance products only apply within the Republic of Kenya.

Yes, however, only a maximum of one Riziki Cover policy AND one Riziki+ Cover policy can be active per mobile number.

Fraud is when somebody tries to cheat an insurance company by making false claims. Fraud could mean making fake documents, lying about your hospital stay, staying longer in hospital than you need to, or doing anything dishonest in order to benefit from this insurance product. Equitel and Britam Insurance Company take fraud cases very seriously. Anyone submitting an insurance claim which is dishonest or fraudulent will not be paid. Likewise, they will lose any future insurance coverage and can be prosecuted under the law.

For more information, dial *745# or call 0763 063 745 for more information. You can also get information at any Equity Bank branch.