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Medical Insurance
AfyaImara Junior Medical Cover
Old Mutual
Medical cover for children, with inpatient benefits and optional outpatient cover. Choose an unlimited Old Mutual panel or Gertrude’s Children’s Hospital only.
Get an estimated premium for your child
Choose the hospital panel, inpatient limit, number of children and optional outpatient cover. The estimate follows the premium tables in the supplied brochure.
The Gertrude's option can only be accessed through Gertrude's Children's Hospital.
Inpatient cover is required before outpatient cover can be added.
For more than six children, the brochure's “Extra Child” rate is added for each additional child.
AfyaImara Junior, in simple terms
Inpatient and day patientHospital accommodation, doctors, theatre, ICU/HDU, tests, prescribed medicines and emergency evacuation subject to limits.
Optional outpatientConsultations, tests, medicines, vaccines under KEPI, and dental and optical benefits according to the selected limit.
Who is eligible?Children from birth after hospital discharge, born at least 37 weeks, up to age 18. Cover may extend to age 21 with proof of schooling.
Waiting periodsOne month for illness claims and 60 days for surgical claims, plus condition-specific waiting periods.
The brochure says premiums are payable upfront. Eligibility, hospital panel restrictions, waiting periods, co-payments, exclusions and policy terms apply. Outpatient is optional but inpatient must be purchased first. Confirm the final premium and eligibility with Old Mutual before applying.
Overview
AfyaImara Junior is a child medical insurance product with four inpatient options from KES 500,000 to KES 5,000,000 and optional outpatient limits from KES 50,000 to KES 150,000. The brochure offers an Unlimited Panel option and a Gertrude’s Children’s Hospital only option.
How it works
Choose the hospital panel, inpatient limit and number of children. You can then add optional outpatient cover within the limit allowed for your inpatient option. The estimator uses the separate premium tables in the supplied brochure for each hospital panel, including the additional-child rates for families with more than six children.
Fees and charges
The brochure provides premium tables by hospital panel, inpatient option, outpatient limit and number of children. Premiums are payable upfront. The calculator adds the applicable inpatient premium and, if selected, outpatient premium. Confirm the final quote with Old Mutual.
Risks and important considerations
Waiting periods include one month for illness claims and 60 days for surgical claims, with additional condition-specific periods. General exclusions listed in the brochure include infertility and maternity-related conditions, cosmetic surgery unless caused by accident, weight management, self-referred treatment, alternative treatment and experimental treatment. Full policy exclusions apply.
Eligibility and how to apply
Children from birth after hospital discharge and born at least 37 weeks are eligible up to age 18. Cover may be extended up to age 21 if evidence of schooling is provided. A birth notification and parent/guardian details are required. The brochure says cover is not renewable after the 18th birthday except for the schooling extension; children are otherwise moved to AfyaImara.
Frequently asked questions
What does it cover? Inpatient and day-patient treatment, with optional outpatient consultations, tests, medicines, KEPI vaccines up to age five, and dental and optical benefits according to the selected limit.\n\nWhich hospital panel can I choose? The Unlimited Panel uses Old Mutual’s provider/hospital panel. The Gertrude’s option can only be accessed through Gertrude’s Children’s Hospital.\n\nCan I add outpatient without inpatient? No. Inpatient cover must be purchased first.\n\nIs this a confirmed quote? No. This tool uses the brochure’s premium tables for an estimate. Old Mutual must confirm the final premium, eligibility and policy terms.
MoneyVersations provides educational information, not a guarantee of returns or a substitute for individualized financial advice. Investment values and returns may fluctuate; insurance cover is subject to policy terms, exclusions and conditions.