Senior Medical Cover.
Affordable medical cover for the senior citizens
Senior medical cover provides affordable health insurance for older adults who need reliable access to medical care. Britam has been Kenya’s friend for life, walking with Kenyans through their highs and lows. Understanding the healthcare challenges faced by the common mwananchi, Britam Connect is driving inclusive insurance by expanding access to affordable and flexible solutions for underserved communities across Africa.
Bima ya Mwananchi Senior is an affordable medical cover for seniors in Kenya, designed specifically for senior citizens. It offers reliable and flexible health insurance that gives you and your family peace of mind, knowing quality medical care is available whenever it is needed.
Eligibility.
Eligible defendants include one legally married spouse.
The applicant and the spouse should be at least 65 years at entry. The maximum entry age is 75 years.
The policy is renewable annually but has no Exit age. Britam however reserves the rights to renew cover, or not before expiry
Waiting Periods.
1 month waiting period for all illnesses and natural death.
No waiting period for accidental case (conditions, surgeries, death).
1 year waiting period for surgery treatment.
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.
Examination or check-ups such as general health examinations not related to diagnosis of sickness or accidental bodily injury.
Outpatient services.
DENTAL: Braces, polishing, scaling.
Optical and Hearing: Hearing aids, contact lenses.
Nutritional supplements
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