Health Insurance
Corporate Health Plan
The Corporate Health Plan usually comes in packages with their corresponding premiums. Some of the packages include healthcare outside the country. Some of the general benefits of corporate health plans are:
- General Practitioner and Specialist Consultation
- Procedures – Pathology, Imaging, Out-patient surgery
- Prescription Drugs
- Surgical Treatment
- Medical Treatment
- In-hospital Care
- Eye Care and Optical Services
- Dentistry
- Referral to other Provider and Tertiary Institutions
- Maternity Care (antenatal, delivery and post-natal care)
- Personal Health Assessment
- Complementary Medicine
- Auxiliary Services-Ambulance Service, Physiotherapy
- Annual Medical Checkup/screening
International Health Insurance
This health plan usually comes in packages with their corresponding premiums. Some of the packages include healthcare within Africa and others are worldwide coverage. Some of the general benefits of international health plans are:
- Emergency evacuation benefit
- In hospital medical expenses benefit
- Elective treatment benefit
- Rehabilitation / Psychiatric benefit
- Acute phase cancer benefit
- Accidental dental treatment
Customized Health Plan
The arrangement presents clients with the opportunity for greater involvement and input into designing specialized benefit packages for their people according to their peculiar healthcare needs and budget. These include but not limited to; eligible beneficiaries, benefit limits, policy exclusions and many more.
Family Health Plan
The Family Health Plan usually comes in packages with their corresponding premiums. Some of the packages include healthcare outside the country. Some of the general benefits of family health plans are:
- General Practitioner and Specialist Consultation
- Procedures – Pathology, Imaging, Out-patient surgery
- Prescription Drugs
- Surgical Treatment
- Medical Treatment
- In-hospital Care
- Eye Care and Optical Services
- Dentistry
- Referral to other Provider and Tertiary Institutions
- Maternity Care (antenatal, delivery and post-natal care)
- Personal Health Assessment
- Complementary Medicine
- Auxiliary Services-Ambulance Service, Physiotherapy
- Annual Medical Checkup/screening
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Individual Health Plan
The Individual Health Plan usually comes in packages with their corresponding premiums and can be extended to cover family members. Some of the packages include healthcare outside the country. Some of the general benefits of individual health plans are:
- General Practitioner and Specialist Consultation
- Procedures – Pathology, Imaging, Out-patient surgery
- Prescription Drugs
- Surgical Treatment
- Medical Treatment
- In-hospital Care
- Eye Care and Optical Services
- Dentistry
- Referral to other Provider and Tertiary Institutions
- Maternity Care (antenatal, delivery and post-natal care)
- Personal Health Assessment
- Complementary Medicine
- Auxiliary Services-Ambulance Service, Physiotherapy
- Annual Medical Checkup/screening
Student Health Plan
Accessible and appropriate healthcare for students is critical for their studies, whilst they are out of home pursuing their educational interests. It is also critical that parents are at peace that in the event of ill health, their children will have immediate access to healthcare without the need of paying out of pocket.
The student health plan is mostly for local and international students from Senior High School through to the tertiary institutions. The standard plan covers both in-patient and out-patient and renewable annually. The usual coverage includes;
Prescription drugs
Surgical and medical treatments
Diagnostic tests (Lab, X-rays, Ultrasound, CT scan, etc)
Optical and dental care
Referrals to other providers and tertiary institutions
Physiotherapy
Third party Health Plan
Designed as a result of the need for most people living abroad to cater and care for the health requirements of their parents, relatives and dependents, the plan offers relief from such challenges. It again eliminates the need for individuals living abroad to constantly send money home to ensure that their dear relatives receive the best of healthcare services.
Benefits include:
Prescription Drugs,
CT scan, laboratory tests and X-rays
Dental care
Optical care and spectacles
Surgical and medical treatment
Ambulance service and hospital accommodation (side ward)
Referrals to Tertiary Institutions are also covered.
Tourism Health Plan
The package is available to persons of all nationality who have travelled into the country for a short stay. Tourists who sign unto this health insurance plan enjoy the following benefits:
- Competitive pricing for a comprehensive and quality healthcare
- General Practitioner and Specialist consultation
- Prescription drugs
- Surgical and medical treatments
- Diagnostic tests (Lab, X-rays, Ultrasound, CT scan etc)
- Eye and dental care
- Referrals to other providers and tertiary institutions
- Ambulance services
- Physiotherapy
Travel Insurance
Most of the travel policies currently are provided in partnership with foreign insurers, which make it an international policy that covers any risk you face when travelling outside of this country. This partnership gives you access to one of the largest global medical assistance networks in the world in event of a medical help while you are away.
Though there is customised limit of cover up to about $150,000.00, most Travel Insurance pay up to a maximum of EUR 30 000, for the following benefits:
- Medical expenses and hospitalisation abroad
- Transport or repatriation in case of illness or accident
- Emergency dental care
- Repatriation of family member travelling with the insured
- Travel of one immediate family member
- Repatriation of mortal remains
- Emergency return home following the death of a close family member
- Delivery of medicines
- Relay of urgent messages
- Advance of funds
- Legal defence
- Loss of passport, driving license or national identity card abroad
- Compensation for delay in the arrival of luggage
- Location and forwarding of baggage and personal effects
- Delayed departure
Frequently Asked Questions
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What are the types of insurance?
General Insurance – General Insurance provides financial security and protection for your movable & immovable assets and investments. It could be your house, vehicle, office assets, business operations, personal belongings, etc.
Types: Motor Insurance, Travel Insurance, Home Insurance, Personal Liability, Business Insurance, Property Insurance and more.
Life Insurance – Life Insurance plan(s) pays a certain amount of money (lump sum or part) to the insured person as per the plan term or to his or her beneficiary in the event of the death of the insured. Types: Term Plans, Income Replacement, Child Plans, Retirement Plans, Tax Saving Plans, Money-Back Plans, Monthly Income Plans, Funeral Plans, Short Term Guarantee Plans, Systematic Investment Plans and more.
Health Insurance – Health Insurance gives coverage for the insured’s medical or hospital expenses.
This assures that you and your family will have enough money to pay for expenses if ever you get ill and are hospitalized. Types: Individual Health Plans, Family Health Plans, Corporate or Group Health Plans, Critical Illness Plans, Preventive Health Plans and more.
Micro-insurance – Micro-insurance as the name suggests, encompasses of life, health and general insurance but offers coverage to low-income households or individuals who have little savings. It is tailored specifically for lower valued assets and compensation for illness, injury or death. Some of these risks include agricultural insurance, insurance for theft or fire, health insurance, term life insurance, death insurance, disability insurance and insurance for natural disasters and more.
How to choose an insurance company
Here are some of the things that you need to consider before choosing an insurance plan, hence a company:
• The reputation of the insurance company
• Compare the benefits and coverage of their policies.
• Is it the right type for your needs?
• What is the claims settlement ratio?
• Terms and Conditions of their policies.
• Policy serving and claims handling (are they prompt and efficient).
• If you are ready to explore your options, then let the experts assist you!
How to choose the best insurance plan
1. First, understand your requirements (future financial needs, your child’s education, marriage, or some other requirement).
2. Second, calculate how much premium you can pay every month or quarterly or half-yearly or annually.
3. See what benefits the Plan gives (each insurance company gives different benefits, so compare).
4. Decide on the tenure of the Plan.
5. See whether it is value for your hard earned money.
6. Decide the Sum Assured, the more the sum assured, the more the benefits.
7. Read the Terms and Conditions of the Plan.
8. Find out how prompt the insurance company is in settlement of claims for the plan.
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