Health Insurance
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
The International Health Plan is designed in partnership with recognised services providers and insurers around the world. It provides you with access to hospitals and clinics within and around the world.
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
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.
The Family Health Plan is a comprehensive health insurance scheme that provides cover for the family members for out-patient and in-patient care through a network of affiliated service providers. The scheme provides a choice of sustainable and flexible benefit packages with a full range of options, as well as choice of Hospitals, Clinics, Laboratories, and Pharmacies within the affiliate Provider Network.
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
Individual Health Plan is a comprehensive health insurance scheme that provides cover for out-patient and in-patient care through a network of affiliated service providers. The scheme provides a choice of sustainable and flexible benefit packages with a full range of options, as well as choice of Hospitals, Clinics, Laboratories, and Pharmacies within the affiliate Provider Network.
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
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;
- General Practitioner and Specialist consultations
- 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
The Third Party Health Plan is a special package designed to help people living abroad to purchase health insurance plan for their dependents and relatives residing locally. The cover provides for in-patient services and also for out-patient services.
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:
- Doctors and specialist consultation
- 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.
The Tourist Health Insurance Plan offers both out-patient and in-patient care cover for tourists and visitors on short stay in the through a network of affiliated service providers. The tourist health insurance plan is a collaboration between the insurance company(s) and the Tour Operators Union to ensure that visitors coming into the country have health insurance when they fall sick, injured or involved in an accident.
The package is available to persons of all nationality who have traveled 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
Whether you’re making a business travel, a last minute getaway, heading off on the annual family shindig or embarking on an exciting around-the-world adventure, travel insurance is a must. It provides protection against the risks involved in travelling abroad and ultimately ensures you aren’t left stranded and destitute if the worst should happen.
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
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Personal Accident
Scope of cover:
- Death
- Permanent Disability
- Temporary Total Disability
- Medical Expenses
You may also choose to add on the following extensions to your policy:
- Exposure – to elements, starvation and/or thirst
- Disappearance
- Burns Disfigurement
- Life support system (not less than 3 consecutive days)