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Britam

Bima Ya Mwananchi Medical Cover

Health cover · Regulated by the IRA

A year costs
KES 4,600
buys KES 75,000 of cover

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.

Hear when this changes

What to watch out for

  • 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.

What a year costs, and what it buys

A year costs you
KES 4,600
A year buys you
KES 75,000

the yearly hospital limit on the cheapest of five levels, shared by everyone on the policy. The dearest level covers KES 500,000.

  • · This is cover you renew each year. Nothing builds up and nothing comes back.
  • · What you actually pay depends on your own details.
  • · Worked out from the company's own published figures.

The details that matter for this kind of plan

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

How to open this

  • Open with KES 4,600

What does it cost you?

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

What if you stop paying?

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

What if you need the money early?

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

Who this suits

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.

What they tell you

  • What is the smallest amount you can start with?
    KES 4,600.
  • 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.

Talk to them

Compared with the others

There are 20 other plans of this kind on the board. See all 21 side by side — what each one leaves you with, and which of them will not say.

Where we got this