The policy covers medical expenses incurred as the direct result of failing ill or sustaining accidental bodily injury during the period of insurance, subject to the overall annual limit. The policy provides covers for:-

• Out-patient.
• In-patient.
• Dental.
• Optical.
• Maternity.

Insurance offers flexible, tailor-made corporate products for groups with ten (10) or more employees. The main benefit is a fully insured in-patient scheme.

Our main products include:

a. Optional Riders:

• A fully insured outpatient scheme.
• A fully insured dental and optical cover.
• A fully insured maternity cover.
• Last/funeral expense cover.
• Excess of Loss Cover.

b. Enhanced benefits:

• Cover pre-existing and chronic conditions.
• Opportunistic infections of HIV conditions.

c. Other benefits offered at a fee:

Fund management / scheme administration only.

Structure of Cover

Cover can be either on a:

• Per family or shared limit. The family shares the cover on a first-come, first-served basis until the limit is exhausted.
• Per-person basis. Each member has its own limit.

Scheme Membership:

• All permanent employees, aged between 18 to 65 years.
• One legal spouse per principle member.
• Own or legally adopt a child from 0 months (a term baby) to 18 years (or 23 years for a child who is a full-time school or college student).