What you get with Gertrude Junior

Besides a healthy meal, your child needs a health insurance cover.

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This product covers children from the age of 0 years (after discharge from hospital) up to the age of 18. It extends to those above 18 years but up to a maximum of 21 years, provided evidence of schooling is availed.

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    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 and affordable healthcare in all Gertrude’s children’s hospitals across the country.

 WAITING PERIOD Plan 1 Ksh 500,000 Overall Plan 2 Ksh 1,000,000 Overall Plan 3 Ksh 3,000,000 Overall Plan 4 Ksh 5,000,000 Overall
Bed limits (net of NHIF rebate)   General Ward. Max Kes 8,000 General Ward. Max Kes 8,000 Private Room. Max Kes 17 Private Room. Max Kes 17
Lodger Fee for Accompanying Parent   Children 12 Years and below Children 12 Years and below Children 12 Years and below Children 12 Years and below
Emergency Evacuation Within East Africa No waiting period Road Ambulance Road Ambulance  Air Ambulance & Road Ambulance Air Ambulance & Road Ambulance
Pre-existing illnesses 1 year 250,000 450,000 750,000 750,000
Organ Transplant (cost of donor or securing the organ is excluded) 1 year 500,000 500,000 500,000 500,000
Newly Diagnosed Chronic illnesses No waiting period 250,000 500,000 1,000,000 1,500,000
Psychiatric and Psychological Illnesses No waiting period 250,000 300,000 500,000 1,000,000
Post Hospitalization 30 days after discharge (Related to Reason for Admission) Depends with the Sub-limit 15,000 15,000 20,000 30,000
Congenital condition, neo-natal and prematurity conditions. 1 year 200,000 250,000 300,000 350,000
Non - accidental dental in-patient illnesses. 1 year 200,000 300,000 300,000 350,000
Non - accidental Optical in-patient illnesses.  1 year 200,000 300,000 300,000 350,000
 Accident Related Dental and Optical treatment Not Applicable  Full Inpatient Limit  Full Inpatient Limit  Full Inpatient Limit  Full Inpatient Limit
 External prosthesis and external medical appliances. Includes wheelchairs, implants Depends with the Sub-limit 300,000 400,000  400,000 500,000
 Last Expense Not Applicable 50,000 per person 75,000 per person 100,000 per person 140,000 per person
Passive War /Terrorism and Political Violence treatments  Not Applicable  500,000 1,000,000 1,000,000 2,000,000
Home Nursing (Subject to Pre-authorization) Depends with the Sub-limit 90 days 90 days 90 days 90 days
    Get Started Get Started Get Started Get Started
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 and affordable healthcare in all Gertrude’s children’s hospitals across the country.

 

Outpatient Cover Option
(Annual Cover Limit Per Life)

 No. Of Children  OPTION 1
50,000
OPTION 2
75,000
OPTION 3
100,000
OPTION 4
150,000
1 19,250 20,213 23,244 26,731
2 35,613 37,393 43,002 49,452
3 35,791 39,370 45,275 52,066
4 35,910 43,092 51,710 62,052
5 36,000 46,800 60,839 79,091
6 36,072 48,697 65,741 88,750
Extra Child 350 500 750 1,050
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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 : 4.93%  Annual Rate: 5.04%
Old Mutual Equity Fund Buying Price: 333.53  Selling Price: 333.53
Old Mutual Balanced Fund/Toboa Buying Price: 147.12  Selling Price: 147.12
Old Mutual Bond Fund Buying Price: 102.30  Selling Price: 102.30
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Fund Prices

Fund Prices at 22nd October 2020

Fund Name Currency Daily Yield Effective Annual Rate
Old Mutual Money Market Fund Kenya Shillings 4.93% 5.04%
Fund Name Currency Buying Price Selling Price
Old Mutual Equity Fund Kenya Shilling 333.53 333.53
Old Mutual Balanced Fund/Toboa Kenya Shillings 147.12 147.12
Old Mutual Bond Fund Kenya Shillings 102.30 102.30
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