Health Insurance

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Health Insurance / Medical Insurance Policy

Health insurance, also referred to as medical insurance policy, covers the medical expenses incurred by the insured or their dependents. It covers numerous illnesses and/ or bodily injuries.

It can be taken by an individual or a group of people. The policy can be out-patient (walk in and out of hospital) only or in-patient (admission) only. It can also have a combination of both in and outpatient.

Does my Health insurance cover all medical bills?

Each health insurance is different in terms of the medical treatments it can cover. This is dependent on the type of cover and on the premium paid. It is therefore very important to review the policy document together with your insurer to confirm you have clearly understood what is covered and what is not covered.

It is also important to understand the expenses that NHIF card will pay for as these are excluded from the private medical insurance cover.

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Most health insurance policies can be extended to cover additional benefits such as

  • optical and dental cover,
  • congenital defects,
  • maternity expenses,
  • pre-existing conditions,
  • chronic ailments,
  • psychiatric conditions among others.

Most health insurance covers exclude

  • cosmetic surgery or treatments,
  • age related senility or insanity,
  • family planning and
  • treatments not administered by a registered medical practitioner.
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