Britam Bima ya Mwananchi Health Cover

Bima ya Mwananchi is an affordable medical cover that can be taken up by an individual or by a family. It gives  you the  peace of mind  that you and your family have access to the best affordable medic al care in case of any eventuality.

Who can get this cover?

• The applicant and the spouse should be between 18 and 65 years at entry.

• The policy is renewable annually but has an Exit age of 70 years. Britam however reserves the right to renew cover, or not before expiry.

• Children between 38 weeks and 18 years automatic ally qualify for inclusion. Those above 18 years up to 24 years can be included only if they are students in school/college. Evidence of one as a student must be provided.

How to get this cover

One can apply for this policy through an appointed intermediary/agency, or through Britam offices.

On application, you will be required to provide a recently taken passport-size photo of yourself and for each one of the dependants that you want to be insured, a copy of your ID and that of your spouse (and birth certificates for your dependants).

How  Is The Service Offered At The Hospital?

Visit only the approved hospitals in the Britam panel. In case of an accident and one is admitted to a hospital, not in our panel, the customer should notify Britam within 24 hours through the helpline number.

Follow the below process:

1. Visit the appointed Hospital and share personal details for identification upon admission.

2. The hospital confirms the validity of the cover.

3. Service is rendered.

Waiting Periods

One month waiting period on death as a result of natural causes. Death as a result of any accident is covered from commencement date.

One Month For All Illnesses But Treatment As A Result Of Accidental Causes Are  Covered From Commencement Date.

10 months waiting period for maternity and pregnancy related treatments.

No waiting period for surgery as a result of an accident. For non-accidental surgery the waiting periods are:

• One month waiting period for abdominal surgery due to acute abdomen, appendectomy due to acute appendicitis and cholecystectomy due to acute cholecystitis.
• One year waiting period for all other non accidental surgeries.
• Members who are on transfer will have to provide proof of previous cover and claims experience for consideration of waiver of waiting periods.
• 10 month waiting period for chronic and pre-existing conditions.

Exclusions

Test/examinations, Colonoscopy, Fiber-optic investigations, HSG.

Expenditure incurred arising from any illegal or criminal act.

Operations, treatments, and/or procedures of own choice for purely cosmetic purposes or obesity.

Expenses recoverable under any other insurance or source e.g. NHIF, WIBA.

Nutritional supplements and hormonal therapy.

Examination or check-ups such as general health examinations not related to diagnosis of sickness or accidental bodily injury.

Note: Complete list of exclusions is included in the policy documents.

For more information on how to sign up,

Contact Gallin Wekesa FA @Britam

0712 870 447 gwwekesa@britam.com gallywexa@gmail.com