Bima ya Mwananchi.
Affordable medical cover for you and your a family
Bima ya Mwananchi is an affordable medical cover designed for individuals and families in Kenya who need reliable health insurance without high costs. The cover provides access to essential inpatient and optional outpatient medical services, helping protect you and your family against unexpected healthcare expenses. With flexible benefit options, support for dependants including children, and coverage for accidents from the start, Bima ya Mwananchi offers peace of mind and dependable medical care when it matters most.
Waiting Periods.
One month for all illnesses but treatment as a result of accidental causes are covered from commencement date.
One month waiting period on death as a result of natural causes. Death as a result of any accident is 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.
- One year waiting period for all other non accidental surgeries.
- 10 months waiting period for chronic and pre existing conditions.
Exclusions.
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 owned insurance or source e.g. SHIF, WIBA.
Infertility and Hormonal replacement therapy.
DENTAL: Braces, polishing, scaling.
Optical and Hearing: Hearing aids, contact lenses.
Nutritional supplements.
Choose how you'd like to get started:
More HEALTH Covers.
Explore other insurance options in this category