medical-insurance1

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Health Plan
Overall Annual Limit
Accident Limits
Illness Limits
 Rehabilitation
 Last Expense
Inpatient Treatment
Bed Limit
Discharge Medication
Pre-Existing / Chronic conditions
Congenital conditions / defects subject
to 6 months waiting period
Psychiatric treatment whether
pre -existing or not
Maternity
Normal and CS delivery including 
pregnancy related complications subjec
to 10 Months waiting period
Hospital Cash Benefit
Cash payment payable for each night
where treatment is received by an insured
person as a non-paying patient
Overall Annual Limit (OAL)
Eye Care Benefit: Outpatient
All prescribed lenses, contact lenses, Diopteric
power +/- 0.25 D and more and frames.
Dental Care Benefit: Outpatient
Consultation, Simple extractions,
Difficult extractions, Fillings
Other Optional Services
 Personal Accident with Permanent
Total Disability (18 - 59 years
Critical illness cover (18 - 59 years) subject to
1 year waiting period (Retail)
Critical illness cover (18 - 59 years) subject to
1 year waiting period (SMES’)
 Gold
Ksh 20,000,000
Ksh 10,000,000
Ksh 10,000,000
 Ksh 150,000
 Ksh 150,000
 
 Ksh 20,000
 Upto 14 days after discharge
 Ksh 1,000,000
 Ksh 150,000
 Ksh250,000
 
 Ksh 100,000
 
 Inclusive @ Kshs 2,500
per day from 3rd day of admission upto 180 days
 Kshs 200,000/100,000/50,000
 
Ksh 7,500
 
Ksh 7,500
 
 Kshs 1,000,000 include
at no extra premiums
Ksh 500,000
Ksh 500,000
 Silver
 Ksh 10,000,000
Ksh 8,000,000
Ksh 2,000,000
 Ksh 125,000
 Ksh 125,000
 
 Ksh 12,000
 Upto 14 days after discharge
 Ksh 750,000
 Ksh 125,000
 Ksh 250,000
 
 
 
  Inclusive @ Kshs 1,500
per day from 3rd day of
admission upto 180 days
 Kshs 200,000/100,000/50,000
 
 Ksh 7,500
 
 Ksh 7,500
 
 N/A
N/A
Ksh 500,000
Bronze 
 Ksh 3,000,000
Ksh 2,000,000
Ksh 1,000,000
 Ksh 100,000
 Ksh 100,000
 
 Ksh 8,000
 Upto 14 days after discharge
 Ksh 500,000
 Ksh 100,000
 Ksh 250,000
 
 
 
  Inclusive @ Kshs 1,000
per day from 3rd day of
admission upto 180 days
 Kshs100,000/50,000
 
 Ksh 7,500
 
 Ksh 7,500
 
 N/A
N/A
Ksh 500,000
Cover Me Executive
Ksh 750,000
Ksh 750,000
Ksh 750,000
Ksh 75,000
Ksh 75,000
 
Ksh 6,000
Upto 14 days after discharge
Ksh 250,000
Ksh 75,000
Ksh 100,000
 
Ksh 50,000
 
Inclusive @ Kshs 500
per day from 3rd day of
admission upto 180 days
Kshs 50,000
 
Ksh 7,500
 
Ksh 7,500
 
N/A
N/A
Ksh 500,000
Cover Me Plus
Ksh 500,000
Ksh 500,000
Ksh 500,000
Ksh 50,000
Ksh 50,000
 
Ksh 5,000
Upto 14 days after discharge
Ksh 200,000
Ksh 50,000
Ksh 100,000
 
 
 
Inclusive @ Kshs 500
per day from 3rd day of
admission upto 180 days
Kshs 50,000
 
Ksh 7,500
 
Ksh 7,500
 
N/A
N/A
Ksh 500,000
Cover Me Select
Ksh 250,000
Ksh 250,000
Ksh 250,000
Ksh 25,000
Ksh 25,000
 
Ksh 5,000
Upto 14 days after discharge
Ksh 100,000
Ksh 25,000
Ksh 100,000
 
Ksh 50,000
 
Inclusive @ Kshs 500
per day from 3rd day of admission upto 180 days
Kshs 50,000
 
Ksh 7,500
 
Ksh 7,500
 
N/A
N/A
Ksh 500,000
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