About the Insurance
SunCulture has launched an affordable, bundled insurance product, bringing health and life insurance to our underserved ~9,000 smallholder farmer customers in Kenya to provide a financial safety net with a streamlined enrollment process. SunCulture has partnered with Turaco to offer insurance to our customers, ensuring customers have financial protection.
Benefits to Our Customer
Peace of Mind for You and Your Family
Get financial protection that covers medical expenses, repays outstanding loans if something happens to you
Secure Your Future
Stay financially stable even in tough times, so you can keep growing your farm, providing for your family, and planning for a better future
Easy Sign-Up, Quick Payouts
No complicated paperwork—just simple and fast processes to get insured and receive your benefits when you need them most.
Grow with Confidence
With a safety net in place, you can focus on expanding your farm and overcoming challenges without the fear of financial setbacks
Key Features of SunCulture Protect
Cover Benefits
Hospital Cash
Qualify for a hospital Cash back of Ksh 1,000 per night in case you are admitted for one (1) night or more at a hospital registered by the Ministry of Health.
Max 30 nights a year
Life
In the unfortunate event that you pass away, your family will receive Ksh 50,000
Eligibility Criteria
Customers who have bought SunCulture’s Solar Pumps on PayG.
Customers who make timely payments to their loans
Policy Activation
All policies begin after the first installment has been paid
Exclusions
Risks occurring as a result of drug or alcohol abuse, engaging in criminal activity, riots, demonstrations, suicide, self-inflicted injury, war or terrorism cannot be claimed
Claim Documents Required
For all claims: Copy of ID Card (Front and Back) is required.
In case of Death:
- One of the following sets of documents proving death: A Death certificate; OR Certified letter from a local administrative authority or officiating religious authority and a mortuary receipt/ burial permit; OR Burial Permit and coroner’s report/ mortuary receipt
- Loan amortisation schedule (for Credit Life claims)
- Copy of deceased’s identification document (showing name and age/ date of birth)
In case of Disability:
- A Medical statement from a registered doctor certifying the date, nature and cause of the disability
In case of Hospitalization:
- Stamped discharge summary or Hospital report showing date of admission, date of discharge and treatment received.
- Stamped hospital invoice or receipt with patient name (stamped) OR NHIF SMS screenshot
Frequently Asked Questions (FAQs)
SunCulture Protect is a medical solution that SunCulture is offering to its customers. The offering includes Inpatient and Outpatient benefits to individuals and families. Through partnership with Turaco, SunCulture has developed this product to meet the customers’ health needs.
Turaco is a valued partner of SunCulture, providing and administering insurance coverage to SunCulture customers. Turaco is the owner of Turaco Microinsurance Limited Kenya, a licensed microinsurance company that underwrites, provides, and administers insurance policies.
Your eligibility is determined by being a SunCulture customer, being 18 years and above, and residing in Kenya.
SunCulture Protect offers Insurance to both Individual and Family for all SunCulture customers. There are two levels of coverage i.e., the base level and an upgraded coverage.
Coverage is provided monthly, starting from the loan issue date and is renewed each month. To maintain uninterrupted monthly coverage, it is important to make timely loan repayments. SunCulture Customers who fail to make timely payments may not be eligible for continued coverage.
· Hospital Cash
· Last expense benefit (Life Benefit)
· Last expense benefit (Life Benefit)
This is a benefit payable upon admission to a hospital for one (1) or more consecutive nights at any public or private hospital as long as it is registered by the Ministry of Health (MOH) to offer inpatient services (i.e. Level 3, 4, or 5).
The product does not pay your hospital bills - rather it provides a benefit amount to you after being discharged from the hospital, to offset costs associated with the hospital stay. Examples of these costs are costs for transportation, loss of income, household expenses incurred, etc.
The product does not pay your hospital bills - rather it provides a benefit amount to you after being discharged from the hospital, to offset costs associated with the hospital stay. Examples of these costs are costs for transportation, loss of income, household expenses incurred, etc.
This is a cash payout made to the next of kin should the SunCulture Customer pass on in life.
The waiting period means the fourteen days before your benefits become fully active. However, it's important to note that for Hospital Cash and in the event of loss of life due to an accident, claims can be made immediately, there is no waiting period.
You may seek treatment at any level three (3), level four (4) or level five (5) public or private hospital that is registered by the Ministry of Health for in-patient care.
You can find this list of hospitals online at http://kmhfl.health.go.ke/
You can find this list of hospitals online at http://kmhfl.health.go.ke/
You will receive a cover activation SMS and a recorded welcome call to review your cover details.
Your insurance is activated from the loan issue date or once the monthly payment has been done, and it is renewed monthly for a period of 12 months. To check if your coverage is active a customer can contact Turaco at 0800 221 245 or they can log in to my SunCulture customer portal to view the insurance policy.
To claim, call 0800 221 245 or WhatsApp Turaco on 0768 387 245 as soon as the incident occurs, and an agent will assist you with the necessary documentation.
As soon as possible! Claims must be reported within a maximum of one (1) week after the occurrence of the claim event.
Turaco pays all claims within 3 business days of receiving all necessary documentation.
The money will be sent to your M-PESA or Airtel Money.
Hospital cash benefit allows you to claim up to a maximum of 30 days of hospitalizations in a policy year, while the life benefit can only be claimed once.
That’s okay! A family member or friend can notify Turaco of the incident. We may need to reach you for verification of your hospitalization.
What if I can’t afford hospital bills at the time I am hospitalized? Can I qualify for cash upfront?
Hospital Cash does not provide cash upfront to members. You must first clear your medical bills and file a claim with Turaco. Upon submission of full claim documents, Turaco will pay your claim within 3 business days.
Share the Turaco number with your next of kin. In the unfortunate event you pass on, your next of kin can call Turaco on 0800 221 245 and start the claims process. A Turaco agent will guide your next of kin on the documents needed to make a claim.
No, there is no medical insurance card. Once you register, you will receive confirmation from SunCulture and a recorded welcome call to review your cover details.
You can contact Turaco for FREE on 0800 221 245 anytime Monday to Friday between 9 AM to 5 PM, except on public holidays.
