Health / Medical insurance defined 

Health insurance is a type of insurance coverage that typically pays for medical, surgical, prescription drug and sometimes dental and optical expenses incurred by the insured. 
Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly. 
 

Difference between health insurance and medical insurance ;

 
-Medical insurance will provide you coverage only for hospitalization,  pre-specified ailments and accidents that go for a pre-specified amount while health insurance will provide you with comprehensive coverage against hospitalization expenses,  pre and post hospitalization expenses and ambulance. 

Why you need medical insurance ;

 
Whether you are relatively or chronically ill , health insurance can provide the financial protection you need for both routine and unexpected health care needs. 
Health insurance can help protect you from high medical costs, whether expected or not, through co-payments and co-insurance.
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jubilee

J-INUE 

Affordable Medical Cover

J-Inue is an all in one, affordable health insurance product for individuals and families with access to a convenient provider network. The product can be purchased on line as well as through the traditional means.
J-Inue has 2 Options that include Maternity, Last expense and Outpatient benefits.

See more of this here JINUE MEDICAL

jubilee

J-CARE 

Individual /Family Medical Insurance

KEY BENEFITS

1. 5 Levels of comprehensive cover with optional benefits (maternity, outpatient, dental and optical). Select the plan and options that suits your medical
insurance needs and budget
2. Cover for pre-existing, chronic, psychiatric, congenital conditions and HIV/AIDS including related conditions
3. Country wide provider network
4. Overseas inpatient referrals covered on credit under listed hospitals
5. Cover for inpatient dental and optical treatment
6. Post hospitalisation benefit
7. Funeral expenses benefit
8. Free Personal Accident benefit for Principle member
9. Direct access to treatment while travelling within East Africa

See more on this here J Care
Apllication Form

jubilee

J-Senior 

Medical Insurance

J – Senior is a medical product specifically designed to offer health insurance to our senior citizens and serve their medical needs during
their golden years.
See more of this here J Senior Medical
Application Form

jubilee

J-Biz 

Small and Medium Enterprise Medical Insurance

KEY BENEFITS

1. Wide range of plans to choose from:
• 10 levels of inpatient plan
• 6 levels of outpatient plan
• 3 levels of dental & optical plans
• 5 levels of maternity plans
2. Cover for pre-existing, chronic, psychiatric, congenital and HIV/AIDS including related conditions
3. Country wide provider network
4. Overseas inpatient referrals on credit with listed hospitals
5. Cover for inpatient dental and optical treatment
6. Post hospitalization benefit
7. Funeral expense benefit for the family shared
8. Free Personal Accident benefit for the Principle member and optional for dependents

See more of this here J-Biz

JUBILEE MICRO HEALTH COVER

The jubilee Micro insurance Cover is an affordable, comprehensive health cover designed for groups,  with a minimum of 10 principal members.  It is designed with inbuilt last expense and maternity benefits. It is eligible to registered small and medium Enterprises , groups and organizations.

Brochure Jubilee Micro Health Cover Brochure-31st (2)

NATIONAL HEALTH INSURANCE FUND (NHIF)

The National Hospital Insurance Fund is a Kenya government state Corporation with a mandate to provide health insurance to Kenyans over the age of 18.
 

(I) NHIF Supa Cover 

Nhif Supa cover is Kenya’s largest, reliable, accessible and affordable medical insurance cover that enables you and your family to enjoy an unparalleled benefit package.  Supa cover costs kes 500 per month for the principal members and beneficiaries. 
 
Benefits  of the supa cover 
-Outpatient
-Inpatient 
-Maternity 
-Specialized diagnostic tests
-Kidney /renal dialysis 
-Kidney transplant 
-Surgical package 
-Reproductive health services
-Rehabilitation for drugs and substance abuse 
-Oncology /cancer treatment 
-Specialized lab tests 
-Radiology imaging services (x-rays,  CT scan,  MRI) 
-Emergency road evacuation services. 
 

http://www.nhif.or.ke/healthinsurance/supacoverServices

II) Linda Mama Services

All pregnant women who are Kenyan citizens are eligible to be members of free maternal services. 
It’s goal is to achieve universal cases to maternal and child health services and contributes to the country’s progress towards Universal Health Care (UHC)
See more here 
 

KENYA ASSOCIATION OF RETIRED OFFICERS NAIROBI BRANCH. (KARO)

1.REGISTRATION

The Association is registered with the registrar of societies, under certificate No. R49952 on 19th October 2017 as a welfare Association for retired public servants.It is managed by an Executive Committee of 13 officials.


2. OBJECTIVES ARE:

  • To protect, lobby for and promote the rights, interests and entitlements of retired officers and cater for their welfare.
  • To negotiate for decent and affordable medical cover.
  • To promote and strengthen networking, cooperation and collaboration among members and with local, national and international organizations with similar aims and objectives.
  • To develop and promote social mutual support schemes that cater for member’s needs in time of distress and other social challenges.
  • To provide educational, training and capacity building consultancy services.
  • To lobby for KARO members to be represented in relevant local and national institutions as an affirmative action.
  • To lobby for review of various pensions Acts to provide for regular review of the monthly pensions paid to retirees, and to address the existing pension disparities.
  • To do such other things as may be deemed incidental or conducive to the attainment of the aims and objectives of the association.

3. MEMBERSHIP

a). Membership is open to former/retired:

  • Civil servants.
  • Teachers
  • Constitutional Commissions.
  • Independent office holders and staff.
  • State corporations/ parastatals.
  • KDF/ discipline forces /NYS/ KWS etc.
  • Local authority employees.
  • County governments.
  • Public universities, CUE etc.
  • Judiciary, National Assembly.

 

b) REGISTRATION REQUIREMENTS.

i)Letter of retirement/ proof of service.

ii) Dully filled membership application form.

iii) Ksh. 1000 registration fee.

 

4. PHYSICAL ADDRESS.

a) Transnational Plaza 6th floor along Mama Ngina street, opposite 20th Century Cinema.

P.O BOX 54738-00200 Nairobi.

b) Office line- 0745961191 operational during working hours.

c) KARO website: karonairobi.com

d) KARO Email: karonairobi2018@gmail.com

 

5. NHIF NEGOTIATED MEDICAL COVER.

a) The Association negotiated a medical scheme for members which includes the spouse and dependants with 6 options to choose from.

The requirements are:

i) Make a choice of option.

ii) Fill NHIF registration form.

iii) Pay for the chosen premium.

iv) Provide copy of ID and passport size photo for principal, spouse and dependants.

v) Pay ksh 6,000 direct to NHIF and send the payment sms to Tel: 0745961191

vi) For dependants, pay appropriate additional premiums.

b) WHO IS A DEPENDANT?

i) Children 0-18 years – Birth certificate needed.

ii) Children 19-24 years in learning institutions – Birth certificate and letter from learning institution needed.

 iii) Children with disabilities regardless of age – No additional premium needed. Birth certificate and letter from Disability Council needed.

iv) Legally adopted children – adoption certificate needed.

C)AVAILABLE MEDICAL OPTIONS.

BENEFIT LIMITS (KES)

PREMIUMS

 

 

 

INPATIENT

OUTPATIENT

DENTAL

OPTICAL

LAST EXPENSE

M

M+1

KARO FEES

KARO 1

500,000

50,000

5,000

5,000

100,000

111,250

150,625

6,000

KARO 2

750,000

75,000

7,500

7,500

100,000

136,875

184,375

6,000

KARO 3

1,000,000

100,000

10,000

10,000

100,000

170,000

229,375

6,000

 

 

KARO 4

2,000,000

150,000

15,000

15,000

100,000

191,250

257,500

6,000

KARO 5

3,000,000

200,000

20,000

20,000

100,000

209,375

281,250

6,000

KARO 6

4,000,000

250,000

25,000

25,000

100,000

239,375

321,875

6,000

NB:

                

1.   PAY KSH. 6,000 STATUTORY NHIF CONTRIBUTION DIRECT TO NHIF PAYBILL NO. 200222 AND ID NUMBER AS ACCOUNT NO.

2.   ADD KSH. 6,000 KARO FEES FOR ANY LEVEL YOU CHOOSE

        

3.   ACCOUNT DETAILS:    KARO NAIROBI BRANCH

         

                  A/C NUMBER:   –

1219580627

          
   

BANK

KCB BANK

          
   

BRANCH

MOI AVENUE

          

4.    INDICATE, MEDICAL COVER FOR :

 

…………………………………………………………………………………

    

                NAME/ ID NO./ TEL NO.

  1. NO PERSONAL CHEQUES.

See more here 

 

http://karonairobi.com/author/karonairobi/