O
Medical Insurance
AfyaImara Seniors Cover
Old Mutual
Medical cover for people aged 65–80, with inpatient benefits, optional outpatient cover and optional combined dental and optical benefits.
Estimate your medical cover premium
Choose the inpatient limit, who you want to cover and any optional benefits. The estimate uses the rates in the supplied brochure.
Applicants must be aged 65–80 (age next birthday). A spouse can be included as the one eligible legal spouse, subject to Old Mutual's acceptance and medical review.
Inpatient cover is required before outpatient cover can be added.
Optional stand-alone benefits. The brochure lists KES 20,000 for dental and KES 20,000 for optical, at a combined premium of KES 16,176 per person.
AfyaImara Seniors, in simple terms
Cover for seniorsFor people aged 65–80 at entry. The brochure says accepted members can renew for life, subject to renewal review.
Inpatient careFive per-person limits from KES 500,000 to KES 10 million, including hospitalisation, surgery and ICU/HDU subject to benefit limits.
Outpatient careOptional per-person limits of KES 100,000, KES 150,000 or KES 200,000, subject to the selected inpatient option.
Other benefitsChronic and pre-existing conditions, evacuation, home nursing after discharge, last expense and other benefits are subject to limits and waiting periods.
Eligibility requires a medical report and written acceptance by Old Mutual. The brochure lists 28 days for illness claims and 60 days for surgical claims, with condition-specific waiting periods; chronic and pre-existing conditions generally have a one-year waiting period. Upfront payment is required, with eligible premium financing available. Full policy terms, co-pays, limits and exclusions apply.
Overview
AfyaImara Seniors is an enhanced medical insurance product for people aged 65 to 80 (age next birthday). The brochure says accepted members can renew for life, subject to Old Mutual renewal review. It offers inpatient limits from KES 500,000 to KES 10,000,000 per person, optional outpatient limits from KES 100,000 to KES 200,000 per person, and optional dental and optical benefits that must be purchased together.
How it works
Select an inpatient limit and whether you are covering one person or yourself and your legal spouse. You may add optional outpatient cover, subject to the inpatient option selected, and/or add dental and optical benefits together. The calculator applies the per-person premium rates shown in the brochure, then adds the stated 0.45% levy and KES 40 stamp duty to the quote estimate.
Fees and charges
Brochure premiums per person: inpatient KES 116,352 / 132,299 / 178,535 / 206,231 / 229,049 for limits of KES 500,000 / 1,000,000 / 3,000,000 / 5,000,000 / 10,000,000. Outpatient KES 94,968 / 101,270 / 107,534 for limits of KES 100,000 / 150,000 / 200,000. Combined dental and optical premium KES 16,176 per person. The brochure says all premiums attract a 0.45% levy and KES 40 stamp duty. Confirm payment and financing details with Old Mutual.
Risks and important considerations
Waiting periods include 28 days for illness claims and 60 days for surgical claims, with condition-specific periods. Chronic, pre-existing, congenital conditions and HIV/AIDS have a one-year waiting period. General exclusions include infertility treatment, cosmetic surgery unless caused by accident, weight management, self-referred or self-prescribed treatment, alternative treatment, and expenses recoverable under other insurance. Full policy exclusions, co-pays and benefit sublimits apply.
Eligibility and how to apply
The brochure states that people aged 65–80 (age next birthday) are eligible. One legal spouse may be included. All members must submit a medical report through a designated Old Mutual panel provider and cover is subject to written acceptance after review. Dependants below age 65 are directed to AfyaImara, AfyaImara County or AfyaImara Junior. Cover territory includes Kenya, Uganda, Tanzania, Rwanda and South Sudan, subject to policy conditions.
Frequently asked questions
What does it cover? Inpatient and day-patient hospitalisation, optional outpatient treatment, dental and optical benefits, enhanced limits for chronic and pre-existing conditions, evacuation and other benefits subject to the selected option.\n\nCan I buy outpatient without inpatient? No. The brochure says inpatient cover is required before outpatient cover can be purchased.\n\nCan dental and optical be selected separately? No. The brochure says they must be purchased together.\n\nDoes cover last for life? The brochure says accepted members can renew for life, subject to renewal review by Old Mutual.\n\nIs this a confirmed quote? No. The calculator reproduces brochure premiums for guidance only. Old Mutual must confirm medical eligibility, underwriting and final 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.