Q: Does the cover include maternity and chronic illnesses?

Yes. The Inpatient benefit covers maternity, chronic conditions, and pre-existing illnesses, subject to the plan limits.

Q: How do I access medical services?

Visit any Britam-approved hospital listed on our medical panel. Present your photo card for identification upon admission or consultation. The hospital will confirm your cover and provide the required medical services.

Q: What benefits does the cover provide?

The cover offers four key benefits: Inpatient - Covers hospital admission costs including surgery, chronic/pre-existing conditions, maternity, and ambulance services. Outpatient - Covers routine doctor visits, diagnostics, and treatments at approved clinics and hospitals. Last Expense - Provides a lump sum payout to the next of kin in the unfortunate event of the insured's death. Fire Cash Benefit - Offers a cash payout in case of loss due to fire.

Q: What documents do I need to register?

Typically, you'll need: a copy of your National ID or Passport, birth certificates for children (if applicable), and a completed application form.

Q: What if I'm admitted to a hospital that's not on the Britam panel?

If you are admitted to a non-panel hospital (e.g., after an accident), notify Britam within 24 hours using the helpline indicated on your medical card.

Q: What is Bima ya Mwananchi?

Bima ya Mwananchi is an affordable medical insurance cover designed for individuals and families. It ensures you and your loved ones have access to quality healthcare in case of illness, accident, or other medical emergencies.

Question 1

Can I buy the cover for my entire family?

Accepted Answer

Yes. Bima ya Mwananchi can be taken as an individual or family cover, allowing you to include your spouse and children under one plan.

Question 2

How can I apply for Bima ya Mwananchi?

Accepted Answer

You can apply through any Britam branch, authorized agent, or via Britam's online platform.

Question 3

How long is the cover valid?

Accepted Answer

Bima ya Mwananchi is valid for one year and is renewable annually.

Question 4

Is there a waiting period?

Accepted Answer

Yes. Certain benefits such as maternity or pre-existing conditions may have a waiting period. Details are provided in your policy document.

Frequently Asked Questions.

Can I buy the cover for my entire family?

Does the cover include maternity and chronic illnesses?

How can I apply for Bima ya Mwananchi?

How do I access medical services?

How long is the cover valid?

Is there a waiting period?

What benefits does the cover provide?

What documents do I need to register?

What if I'm admitted to a hospital that's not on the Britam panel?

What is Bima ya Mwananchi?

What should I do in case of a claim?

Who is eligible for Bima ya Mwananchi?

Are newborns automatically covered?

Can I continue with the cover after I stop being a KTDA member?

Can I include my whole family under one policy?

How do I access medical services?

How do I make a claim?

How does the daily hospital benefit work?

How long does the cover last?

Is there a waiting period before the cover becomes active?

What benefits does Kinga ya Mkulima offer?

What is Kinga ya Mkulima?

What is not covered under this policy?

What is the surgery benefit?

Who is eligible for this cover?