Bima ya Mwananchi Medical Cover

Bima ya Mwananchi is a medical insurance product from Britam for individuals and families. It offers five shared inpatient benefit options from KES 75,000 to KES 500,000. Optional outpatient cover is available at limits of KES 30,000, KES 50,000 or KES 75,000, subject to the selected inpatient option.

Choose an inpatient option and the number of people to insure. You can then add optional outpatient cover where available. The estimator adds the applicable inpatient premium to the outpatient premium, if selected, using the premium tables in the supplied brochure. The displayed estimate is not a final insurer quotation.

The brochure lists premiums by inpatient option and number of members. Outpatient premiums depend on the outpatient limit, member count and the main applicant age band shown in the brochure. Confirm the final premium and payment terms directly with Britam before applying.

Waiting periods apply: one month for illnesses (accidental treatment is covered from commencement); one month for death from natural causes; ten months for maternity and pregnancy-related treatment; one year for surgery unless due to an accident; and ten months for chronic and pre-existing conditions. Exclusions listed in the brochure include cosmetic procedures or obesity treatment, nutritional supplements and hormonal therapy, general health checks not related to illness or injury, and expenses recoverable from another insurance or source. The policy contains further exclusions.

The applicant and spouse must be aged 18–65 at entry. The policy is renewable annually and has an exit age of 70; Britam reserves the right to renew or not renew. Children from 38 weeks to 18 years qualify for inclusion. Children over 18 up to 24 years may be included if they are students and evidence is provided. The brochure says to use approved hospitals in the Britam panel. Applications are through an appointed intermediary/agency or Britam offices. Recent passport photos, ID copies for the applicant and spouse, and dependants’ birth certificates are required as applicable.

What does the cover include?
Inpatient cover, with optional outpatient cover. Depending on the option, the brochure also lists chronic/pre-existing condition limits, psychiatric limits within the chronic limit, radiology, maternity, accidental ambulance services and KES 40,000 last-expense benefit.

Is the outpatient cover compulsory?
No. The brochure describes outpatient cover as optional.\n\nAre premiums guaranteed? No. This calculator reproduces the brochure figures for guidance only. Britam must confirm the final quotation, eligibility and policy terms.