What is the Group Medical Standard Cover?
The Group Medical Standard Cover solution is a comprehensive cover that covers medical expenses incurred by the assured in the event of ailment.
- Inpatient Cover - This is a primary benefit to cater for hospitalization costs.
- Outpatient Cover- The cover caters for routine outpatient services, consultations, diagnostics, and drugs.
- Dental Cover - This cover is for routine dental consultations, extractions, and fillings
- Optical Cover - This cover caters for optical consultations, prescribed lenses, and frames.
We will cover the following:
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- Cosmetic surgery unless caused by accident
- Weight management treatments and drugs.
- Participation in professional and hazardous sports e.g. bungee jumping
- Family planning and infertility related treatment
- Treatment other than by registered medical practitioner
- Self-referred or self-prescribed treatment.
- Specialists fees unless referred by a general practitioner
- Alternative treatments such as acupuncture herbal treatments
- Intentional self-injury
- Participation in riot, strike and civil commotion
- Naval, military or air force operations
- Expenses recoverable under any other insurance e.g. NHIF, GPA, WIBA
- Purchase of external surgical appliances such as frames, and wheelchairs available on lease
- Radiation poisoning from nuclear fuel, waste or fission
- Pandemics, epidemics, natural disasters and unknown illnesses covering a wide geographical area
- Soaps, creams, moisturizers, shampoos, toothpaste, hospital toiletries, diapers, sanitary towels, outside those provided during admission.