›› Death insurance

Death Insurance

In the event of the insured individual’s death, the CNAS (National Social Insurance Fund) pays a death benefit to the beneficiaries, who are:

• The spouse.
• Dependent children.
• Dependent ascendants (parents, grandparents).

Condition for granting the death benefit: The insured person must have worked 15 days during the 03 months preceding the date of death.

Required documents:

In all cases:

• A request for a death benefit (Download the document..)
• A sworn statement attesting that there are no other beneficiaries apart from those mentioned in the request.
• A death certificate extract.
• A family civil status form.
• The insured individual’s CHIFA card (health insurance card).
• A work and salary certificate for the 12 months preceding the death.
• Document justifying beneficiary status.

Amount of the death benefit

For employees:

• 12 times the amount of the most favorable monthly salary subject to contributions received during the year preceding the death.
• This amount cannot be less than 12 times the National Minimum Guaranteed Salary.

For pension and annuity holders >= 50%:

• 12 times the monthly amount of the pension or annuity.
• This amount cannot be less than 75% of the National Minimum Guaranteed Salary.

How is the death benefit paid?

• It is settled in a single payment.
• In case of multiple beneficiaries, it is distributed equally among them.

Either by:

• Bank cheque
• CCP (Postal Current Account) – bank transfer

IMPORTANT

The amount of the death benefit cannot be claimed beyond 4 years from the date of death.