Medical Insurance

medical insurance

Medical Insurance

Medical Insurance, Health Insurance, Family Medical Cover

The cost of health care has become a big burden in our modern society, you will agree a number of times you have received a request to join a Whats App group to contribute to medical bills towards a Family member or friend. We need to take control of these unforeseen costs by having a medical insurance cover.

What is the age limit to qualify me for a Medical Cover?

Most companies have capped the joining age of medical cover between 18 to 60 years at entry. This is limiting for those retiring from their employment and therefore leaving the employers medical schemes.

However, we have partnered with companies offering seniors medical cover with an entry age of 60 to 80 years. The Seniors medical plan, ensures you are covered during your full life span.

Contact us using the form at the bottom of this page for us to offer you the right medical plan.

What we have learnt from Covid-19 about our health

Covid-19 has taught us the importance of observing high hygiene. During this period the number of people visiting hospitals due to cases of cold and bacterial related illnesses went very low according to data by various health providers. Good health is great wealth.

In Kenya, Family medical cover was thought to be for the rich but various companies have developed products that suit each and every person depending on the purchase ability.

Medical Insurance for inpatient hospitalization (admission) from limits as low as Kshs 100,000/- , One hundred thousand to a limit of Kshs 10,000,000/-, Ten Million. It is very important to have NHIF Cover as medical insurance mostly will cover net of what NHIF is expected to cover.

Medical Insurance Covers you for:

  • Consultation fees
  • Specialty Fees
  • Drugs prescribed
  • Diagnosis including XRAYS, MRI’s, CT Scans, Laboratory tests, ultrasounds
  • Pre-existing conditions like HIV AIDS, Congenital conditions
  • Maternity Costs
  • Physiotherapy Prescribed
  • Hospitalization due to an accident including dental and optical following an accident
  • General Health Check-ups
  • Children vaccinations
  • Physiotherapy as part of treatment
  • Bed Charges including accommodation net of NHIF
  • Medications prescribed

Main Exclusions in Medical cover Includes

  • Cosmetic Surgery unless caused by an accident
  • Maternity Cover unless purchased as part of the policy both normal and Cesarean section delivery
  • Family Planning and infertility related conditions are mostly excluded but can be accommodated on disclosure and acceptance by the insuring company.
  • Treatment other than by registered medical practitioner e.g. traditional doctors, Acupuncturist, Herbalists and Ayurvedic treatment.
  • Self-intentional injury or hospitalization out of drunkenness, drug abuse, addiction or attempted suicide is not covered.
  • Involvement in Military, Naval or air force operations is not covered
  • Naval, Military or Air-Force operations.
  • Expenses recoverable under any other insurance e.g. N.H.I.F, WIBA, GPA
  • Beauty treatment including beauty creams is not covered by most medical covers.
  • Weight Management, experimental treatment is also excluded.

The Medical Rates differ depending on age and limits options given

Get yourself a Medical Insurance Cover today by filling out the form below;