Frequently Asked Questions
Find answers to common questions about our insurance products and services.
Products
BLIC offers a range of insurance products including:
- Credit Life Insurance - Protects against loan repayment in case of death, disability, or retrenchment
- Group Funeral Scheme - Comprehensive funeral cover for groups, families, and organizations
- Group Life Assurance - Group life assurance for companies and organizations
Credit Life Insurance specifically covers outstanding loan amounts in case of death, disability, or retrenchment. It ensures your family isn't burdened with loan repayments.
Group Life Assurance provides a lump sum benefit, normally expressed as a multiple of the employee's annual salary, in the event of death by any cause on a 24-hour basis.
Group Funeral Scheme offers comprehensive funeral cover for groups, societies, and organizations. It can cover:
- Main member only
- Member and immediate family
- Member, immediate family, and parents
- Member, immediate family, parents, and extended family
Claims
Our claims process follows 4 simple steps:
- Notification - Notify us of the incident immediately
- Documents Submission - Submit all required documents
- Assessment - Our claims assessors review your submission
- Decision - We notify you of the claim decision
We pay claims within 48 hours of approval.
Required documents for death claims:
- Completed & signed claim form
- Originally certified copy of death certificate
- Originally certified copy of claimant's identity
- Originally certified copy of marriage certificate (spouse claim)
- Policy report for accidental death
- Proof of bank account details for the beneficiary
- Proof of physical address for the beneficiary
- Bank statement for Credit Life Policies
- Death claims: 48 hours with complete documentation
- Funeral claims: 48 hours with complete documentation
- Disability claims: 5-10 working days
- Medical claims: 5-10 working days
- Complex claims: 10-15 working days
Processing time depends on the completeness of your application and required documents.
Payments
We accept the following payment methods:
- Bank Transfer - Direct deposit to our bank account
- Debit Order - Automatic monthly deduction (recommended)
- Mobile Money - Orange Money, Mascom MyZaka
- Cash - At any of our branches
We recommend automatic debit order for convenience and to avoid missed payments.
- 0-30 days: Grace period, no penalty
- 30-90 days: Cover suspended, reinstatement possible with arrears payment
- 90+ days: Policy lapses, cover ceases
Contact our customer service if you're experiencing payment difficulties. We're here to help.
General
- 100% Botswana citizen-owned - The first citizen-owned life insurance company
- 45% citizen ownership - Owned by ordinary citizens through Maloko Trust Fund
- Customer-centric products - Designed specifically for Batswana needs
- Affordable pricing - Competitive premiums without compromising coverage
- Local expertise - Deep understanding of Botswana's insurance landscape
- 48-hour claims payout - Fast claims processing
You can update your personal information through:
- Customer Portal - Log in to your account and update details online
- Visit a Branch - Any BLIC branch with supporting documents
- Contact Customer Service - Call us for assistance
For major changes (name, ID number), please visit a branch with supporting documents.
You can lodge a complaint through:
- Walk-in: Any BLIC branch or Head Office
- Telephone: 3216290 (Mon-Fri, 08:00-17:00)
- Email: complaints@blic.co.bw
- Online: Complaints form on our website
You will receive acknowledgment within 48 hours.
Account
- Visit our website and click "Register"
- Fill in your personal details
- Create a secure password
- Verify your email address
- Log in to your new account
If you're already a BLIC customer, your policy details will be linked automatically.
KYC (Know Your Customer) is a regulatory requirement to:
- Verify your identity
- Prevent fraud and money laundering
- Comply with Botswana's financial regulations
- Protect your account from unauthorized access
You can complete your KYC by uploading your documents through the customer portal.
Still Have Questions?
Our customer support team is here to help you.