What you get with Afya Imara

Our standards dictate that, the standard health insurance plan should always put you and your needs first. So we made Afya Imara, to keep you happy and healthy, each step of the way.

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*This product is designed for individuals below 65 years of age.

Quote Summary

  • Premiums:
    Ksh 0 Per annum

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Benefits of Inpatient medical cover

With a new take on healthcare we are granting you and your family access to quality healthcare across a wide geographical coverage and hospital network.

Waiting Period Plan 1 Ksh 500,000 Overall Plan 2 Ksh 1,000,000 Overall Plan 3 Ksh 3,000,000 Overall

Plan 3 Ksh 5,000,000 

Overall

Plan 4 Ksh 10,000,000 Overall
Bed limits (net of NHIF rebate)   General Ward / Max Kes 8,000 General Ward / Max Kes 10,000 Standard Private Room / Max Kes 18,000 Standard Private Room / Max Kes 18,000 En Suite / Max Kes 26,000
Lodger Fee for Accompanying Parent/Guardian   12 Years 12 Years 12 Years 12 Years 12 Years
Covid-19 Treatment (moderate cases) 28 days illness claims/60days surgical claims 250,000 250,000 250,000 250,000 250,000

Covid-19 Treatment (Critical cases requiring ICU/HDU)

This is a cumulative amount that will be inclusive of any amounts already paid for in the treatment of moderate inpatient cases
28 days illness claims/60days surgical claims 500.000 1,000,000 1,000,000 1,000,000 1,000,000
Emergency Evacuation Within East Africa No waiting period Road Ambulance Road Ambulance Road & Air Ambulance Road & Air Ambulance Road & Air Ambulance
Accidents

No waiting period

To overall Limit To overall Limit To overall Limit To overall Limit To overall Limit
Acute Conditions 28 days illness claims/60days surgical claims To overall Limit To overall Limit To overall Limit To overall Limit To overall Limit

Covid-19 Treatment (Critical cases requiring ICU/HDU)

This is a cumulative amount that will be inclusive of any amounts already paid for in the treatment of moderate inpatient cases
28 days illness claims/60days surgical claims 500,000 1,000,000 1,000,000 1,000,000 1,000,000

Covid-19 Treatment (moderate cases)

28 days illness claims/60days surgical claims 250,000 250,000 250,000 250,000 250,000

Gynecological surgery

1 year 200,000 300,000 400,000 400,000 500,000

In patient non-accident related dental surgery/ treatment

1 year 150,000 150,000 200,000 200,000 250,000

Illness related reconstructive/plastic surgery (excludes cosmetic, obstetrics and gynecology related)

1 year 200,000 200,000 250,000 300,000 300,000

Gynecological surgery

1 year 200,000 300,000 400,000 400,000 500,000

Maternity: Normal Delivery, Elective & subsequent Caesarean sections, First Ever Emergency Caesarean Section, Ectopic Pregnancy, Maternity Complications before & after delivery

1 Year 50,000 75,000 100,000 150,000 200,000
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Plan 1 Ksh 100,000 Overall
Bed limits (net of NHIF rebate) General
Congenital defects and genetic disorders after one year of cover 30,000
Gynecological surgery (one year waiting period) 30,000
Illness related reconstructive/plastic surgery from the third year of cover (excludes cosmetic, obstetrics and gynecology related) 30,000
In patient non-accident related dental surgery/ treatment (after six months of cover and subject to written pre-authorization) 30,000
Plan 2 Ksh 100,000 Overall
Bed limits (net of NHIF rebate) General
Congenital defects and genetic disorders after one year of cover 30,000
Gynecological surgery (one year waiting period) 30,000
Illness related reconstructive/plastic surgery from the third year of cover (excludes cosmetic, obstetrics and gynecology related) 30,000
In patient non-accident related dental surgery/ treatment (after six months of cover and subject to written pre-authorization) 30,000
Plan 3 Ksh 100,000 Overall
Bed limits (net of NHIF rebate) General
Congenital defects and genetic disorders after one year of cover 30,000
Gynecological surgery (one year waiting period) 30,000
Illness related reconstructive/plastic surgery from the third year of cover (excludes cosmetic, obstetrics and gynecology related) 30,000
In patient non-accident related dental surgery/ treatment (after six months of cover and subject to written pre-authorization) 30,000
Plan 4 Ksh 100,000 Overall
Bed limits (net of NHIF rebate) General
Congenital defects and genetic disorders after one year of cover 30,000
Gynecological surgery (one year waiting period) 30,000
Illness related reconstructive/plastic surgery from the third year of cover (excludes cosmetic, obstetrics and gynecology related) 30,000
In patient non-accident related dental surgery/ treatment (after six months of cover and subject to written pre-authorization) 30,000

Benefits of outpatient medical cover

With a new take on healthcare we are granting you and your family access to quality healthcare across a wide geographical coverage and hospital network.

 

Outpatient Cover Option
(Annual Cover Limit Per Life)

 
Plan 1 Ksh 50,000 Overall Plan 2 Ksh 60,000 Overall Plan 3 Ksh 100,000 Overall Plan 4 Ksh 150,000 Overall Plan 5 Ksh 200,000 Overall

Dental Sub-limit

Nil

Nil

10,000

15,000

15,000

Optical Sub-limit

Frames can only be replaceable once in every 2 years up to a sublimit of KES 8,000.

Optical exclusions: Plano, photochromatic, antiglare lenses

Nil

10,000

15,000

15,000

Annual Wellness Check-ups

Nil

Nil

5,000

10,000

10,000

Vaccines

KEPI and KEPI Baby Friendly vaccines

Pre-existing conditions

After 1 year waiting period to the full limit

Antenatal and postnatal visits up to 6 weeks from delivery (maximum of 2 ultrasounds)

After 1 year waiting period

Supplements

Covered subject to pre-authorization and medical necessity

 

Co-Pays:

The Nairobi Hospital

2,000

Aga Khan University Hospital  Nairobi

2,000

Pandya Hospital

2,000

The Karen Hospital

2,000

AAR Healthcare

2,000

MP Shah

2,000

All Others

500

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Rules of Selection Cover
(Annual Cover Limit Per Life)

 

A. Inpatient is the primary option and is purchased before purchasing outpatient.

B. Outpatient is limited to the amount of inpatient and is restricted as below;

Inpatient Limit

Can Purchase Outpatient of:

500,000

60,000 and below

1,000,000

60,000 and below

3,000,000

100,000 and below

5,000,000

Any of the above

10,000,000

Any of the above

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Fund Prices
Old Mutual Money Market Fund Daily Yield : 4.83%  Annual Rate: 4.94%
Old Mutual Equity Fund Buying Price: 343.19  Selling Price: 343.19
Old Mutual Balanced Fund/Toboa Buying Price: 146.15  Selling Price: 146.15
Old Mutual Bond Fund Buying Price: 102.16  Selling Price: 102.16
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Fund Prices

Fund Prices at 28th November 2020

Fund Name Currency Daily Yield Effective Annual Rate
Old Mutual Money Market Fund Kenya Shillings 4.83% 4.94%
Fund Name Currency Buying Price Selling Price
Old Mutual Equity Fund Kenya Shilling 343.19 343.19
Old Mutual Balanced Fund/Toboa Kenya Shillings 146.15 146.15
Old Mutual Bond Fund Kenya Shillings 102.16 102.16
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