Desscare Bereavement Scheme (DBS)

DBS is a community-based bereavement support scheme designed to help diaspora members respond to loss with immediate financial relief, voluntary community giving, and practical empathy support.

Immediate Cash (up to US$40,000) Community Offering Community Empathy 24-month qualification

Key Features

Below is a clear breakdown of how DBS works, what it covers, and how benefits are applied.

1) Three Participation Benefits

Desscare Immediate Cash Benefit

A bereaved participant may receive a check payment of up to a maximum of US$40,000, usually processed through the community chairperson within 24 hours.

Desscare Community Offering Benefit

A voluntary community offering to the bereaved family, like a bonus on top of a check. Community members willingly contribute an offering to support the family.

Desscare Community Empathy Benefit

A voluntary act of compassion where community members support the bereaved family, helping them mourn and assisting in any practical way.

2) Twenty four(24)-Month Benefits Waiting Period & Early Benefit Schedule (EBPS)

A newly admitted participant must wait for 24 months to qualify for full Desscare Immediate Triple Benefits (DITB). Otherwise, the participant receives benefits according to the Early Benefit Payment Schedule (EBPS) below.

Period

Benefit applied

Month 1 to 12

No cash — only Offering & Empathy benefits

Month 13 to 18

Pay 70% of premium paid (less liabilities)

Month 19 to 24

Pay 30% of the full cover amount

After 24 months

Pay 100% of the full cover amount

3) Standard Member Coverage

DBS standard cover includes up to Eight (8) persons:

Nuclear family: Four (4)
Extended family: Two (2)
Other family: Two (2)
Total covered: Eight (8)

Extra coverage:
If you need to cover an additional member, you will be required to pay extra premium.

Important note:
If more than one member from the same bereaved family is involved in a loss event, only one receives the full face amount value. Others may receive escort benefits (e.g., travel-related expenses).

4) Premium Payment Options

Participants have four options for when to make payments (it’s your choice):

Monthly — Fair Quarterly — Good Semi-Annually — Better Annually — Best

Annual payment helps reduce collection/administration costs.
Payment can be done directly online and a receipt presented to the station leader as proof.
All monies are remitted to the Desscare account in Kenya.

5) Station Community-Oriented Participation

Desscare is a community oriented program structured around diaspora “stations” (your local Kenyan community).

How to Participate

Sign up online
Report to your station leader as evidence of registration
Your station becomes your participation group

Community Expectations

Register in your nearest Kenyan community
Please stay together in your stations
Teach your children about our culture
Togetherness does not mean we must always agree

Frequently Asked Questions

Quick answers to common questions about DBS.

What are the DBS participation benefits?

DBS offers three participation benefits: Immediate Cash Benefit (up to US$40,000), Community Offering Benefit, and Community Empathy Benefit.

When do I qualify for full benefits?

Full benefits apply after a 24-month waiting period. Before then, benefits follow the Early Benefit Payment Schedule (EBPS).

Do I receive cash during the first 12 months?

During Month 1 to 24, the schedule states “No cash — only Offering & Empathy benefits.”

How many people can I cover?

Standard cover is up to eight (8) persons: Nuclear family (4), Extended family (2), Other family (2). Additional member coverage requires extra premium.

What payment options do I have?

You may pay Monthly, Quarterly, Semi-Annually, or Annually. Annual payment is considered best as it helps reduce collection/administration costs.

How do I join DBS through my station?

Sign up online, then report to your station leader as evidence of registration. Your station becomes your participation group.