Health Insurance is one of the basic insurance any family must have to be able to plan its finances. Medical bills can disrupt your finances and even get you into serious debts. Therefore it is necessary to have a medical cover to protect your family and as a great tool for financial planning
Medical Cover protects policy holders and their dependents against the risk of incurring medical expenses as a result of accidents or sickness.
The policy is divided into two main categories:
When getting health insurance in Kenya, it’s not only about going for the cheapest medical plan in the market, it is important to clearly understand what benefits can be provided on the medical plan: Here is the most common sections of a standard cover.
Hospital accommodation charges are covered net of the NHIF rebate per day. This also depends on what your cover bed entitlement is i.e. Ensuite, standard private or general ward bed.
Congenital is a state prevailing at or before birth regardless of cause. It is capped up to a particular limit depending on the inpatient limit you have taken. However it has a waiting period of one year or more depending on the Kenyan medical insurance company that offers your policy.
This is the period when one has been declared fit to go home but a he or she needs to undergo tests to monitor recuperation. Medical Insurance covers up to 60 days from discharge. Coverage limits depends on the package one has.
In medication process practitioners recommend various tests. Insurance cover extends coverage to these services but the laboratory must be in the approved panel of providers.
These are the various consultation fee paid to specialists e.g Cardiologists, Gynecologists etc. They are covered fully depending on the coverage limit.
These are various medical procedures or tests that can be done in a medical Centre without an overnight stay;.
The Optical Plan extends to covers the following services;
The Dental Plan extends to cover the following services;
This covers is one of the extended health benefits in medical cover. It normally has a waiting period of 9 months. It covers