UAP Old Mutual Group has launched an enhanced insurance solution that will provide medical insurance cover for individuals between the ages of 65 years and 80 years. Once an individual is enrolled, they are covered for life.
The enhanced solution, dubbed AfyaImara Seniors Cover, also includes Covid-19 treatment for both moderate and critical cases.
While making the announcement, Japheth Ogalloh, GM Health Insurance, UAP Old Mutual General Insurance said the solution will among others cover day and inpatient hospitalization, outpatient treatment, optical and dental with enhanced limits for pre-existing, chronic conditions & HIV/AIDs.
“No one is too old to enjoy a good medical cover. With Afyaimara Seniors, you are guaranteed a quality, healthy life with financial freedom,” Japheth said.
Some of the key enhancements offered by AfyaImara Seniors Cover include; Covid 19 covers, higher limits for chronic and pre-existing conditions, and annual wellness check-ups. Once an individual is on-boarded, they are covered for life and need not worry about their cover lapsing due to age. In addition, an overseas referral is available for conditions not covered locally at accredited overseas partners.
Comprehensive benefits include inpatient limits from Kes 500,000 to Kes 10,000,000 while the optional outpatient cover range from Kes 50,000 to Kes 200,000 catering for routine outpatient services, consultations, diagnostics, drugs, and dressings.
“Cognisant of the difficult circumstances that we are currently in, we have made this cover affordable while also ensuring there will be no excess for inpatient cover and that our customers can pay their premiums in installments for the inpatient cover,” explains Japheth. “It also comes with medical check-ups within the outpatient cover.”
As part of the pre-existing and chronic conditions cover, the solution comes with dental & optical benefits, hospitalization expenses including surgeon, physician, theatre, ICU & HDU fees as well as home nursing subject to pre-authorization. It also covers diagnostics and physiotherapists fees, prescribed drugs, dressings, and surgical appliances.
“One can only be eligible for the outpatient cover if they have taken the inpatient cover, it is however possible to take the inpatient cover only,” adds Japheth. “NHIF shall apply where the principal already has an NHIF Cover.”