Britam

Bima Ya Mwananchi Medical Cover

Health cover · Regulated by the IRA

What is this?

It pays your hospital bills for a year. You pick one of five levels, from a KES 75,000 limit up to KES 500,000. The whole family shares the limit.

What a year costs at the cheapest level	KES 4,600 for one person, for a KES 75,000 hospital limit
Dearest level	KES 15,500 for a 500,000 limit
Before it pays for surgery	One year, unless the surgery follows an accident
Anything you already had	Capped at half the main limit, and waits 10 months
Adding outpatient	From KES 13,180 for a KES 30,000 limit under 40, more over 40
Who can join	18 to 65 to start, and the cover stops at 70
Adding another person	From KES 2,400 each on the cheapest level

There are no separate charges. What you pay each month is the price of the cover.

The cover stops at the end of the year you paid for. Nothing comes back.

There is nothing to take out. This is cover, not savings.

It could work for you if

You want a hospital limit for very little, and you can wait out the first year.

Think twice if

You may need surgery soon. It will not pay for one in the first year unless an accident caused it.

ATells you what it costs

11 of 11 answered

What do they charge you every year?
This kind of charge does not exist on this product.
What is taken off the money you pay in?
This kind of charge does not exist on this product.
What does it cost to get out early?
There is nothing to cash out, so there is no exit charge.
What is the smallest amount you can start with?
KES 4,600.
How long is your money tied up?
Not applicable to this kind of product.
Is the advertised return before or after their charges?
This kind of product does not advertise a return.
Do they warn you the return is not guaranteed?
This kind of product does not advertise a return.
Do they tell you what you get back if you stop early?
You get whatever your money is worth on the day. There is no schedule.
Do they list what is not covered?
Yes, 6 things are listed.
Are all their charges published?
They list no separate charges. What you pay is the price.
Do they say who regulates them?
Yes — the IRA. That is who you complain to.

This grades how openly things are explained, not whether the plan is good or bad. See how we work it out.

· One year before it pays for any surgery, unless an accident caused it. That is the longest wait of any cover on this board.
· One month before it pays for any illness. Accidents are covered from day one.
· Ten months before it pays for maternity, and ten before anything you already had.
· Long-term conditions are capped at half the main limit; psychiatric care at a quarter.
· Britam says the complete exclusions list is in the policy document, which you see after you apply.
· The brochure states Britam is regulated by the IRA.
· Tests and scopes: colonoscopy, fibre-optic investigations and HSG are not covered.
· Anything arising from an illegal or criminal act.
· Operations and treatments chosen purely for looks, or for obesity.
· Anything you can claim from somewhere else, such as NHIF or WIBA.
· Nutritional supplements and hormone therapy.
· General check-ups not linked to diagnosing an illness or injury.

There is 1 other plan of this kind on the board. See all 2 side by side — what each one leaves you with, and which of them will not say.