Health Insurance
Family Health Cover
Featured
Who is eligible for the cover?
- Adults between the age of 18 years and 80 years.
- Children between the age of 1 month and 17 years.
Inpatient cover
- Cover for pre-existing chronic, congenital, HIV. related conditions, Cancer, organ transplant, lodger fees, accidental surgery,
- Outpatient cover
- Maternity cover.
- Dental & Optical cover.
- Personal accident cover.
- COVID-19 cover.
- Pre-existing conditions.
- Country-wide provider network,
- Overseas inpatient referrals. covered on credit under listed hospital
- Funeral expenses.
(Maternity Cover)
- Normal delivery including professional fees.
- C-section delivery including professional fees
- Cost of delivery, labor ,and recovery wards of all play!
Equi-Life
- Customers on the cover will pay UGX 3000 per month
- The new insurance product allows customers to pay as little as UGX3000 per month, securing coverage for up to 20 days of hospitalization after discharge, and a death benefit of up to UGX 3,000,000.
- Customers who enroll in the scheme will receive a daily cash benefit of UGX50,000 for every day spent in the hospital, up to 20 days on hospitalization, easing the burden of lost income and medical bills after discharge from hospital. In addition, the policy includes a death benefit to provide further security to beneficiaries.
Essentail Cover
Who is eligible for the cover?
Adults aged 18–74 (renewable up to 80 for existing members).
Children from birth (from 34 weeks) up to 18 years (extendable to 25 if in school and dependent).
Inpatient Cover Limit: UGX 20,000,000 per person annually.
Outpatient Cover Limit: UGX 3,500,000 per person.
Dental Cover: UGX 300,000 per person annually.
Optical Cover: UGX 300,000 per person annually.
Maternity Cover: UGX 1,500,000 per family.
Wellness Benefit Limit: UGX 100,000 annually (for checkups and screenings).
Covid-19 Testing: Up to 2 PCR tests (for symptomatic cases) – UGX 150,000.
Organ Transplant Cover: UGX 8,000,000 (excluding donor costs).
Chronic & Pre-existing Condition Cover: UGX 5,000,000 (inpatient), UGX 1,750,000 (outpatient).
Telemedicine Support & 24/7 Customer Care.
No Policy Excess; Co-payment as per healthcare provider (HCP) panel.
Mandatory Medical Examination: For persons aged 50 and above.
Overseas Referral Treatment: With pre-authorization (Kenya, India, Mauritius, etc.).
Temporary International Cover: Up to 6 weeks per visit (with prior notice).
Last Expense Benefit: UGX 1,000,000 payable upon death of insured member.
Vaccinations: Covered as part of outpatient and wellness programs.
Access to Over 300 Healthcare Facilities in Uganda.
Each insured member receives an individual medical card.
Affordable access to essential healthcare services through structured inpatient and outpatient limits.
Peace of mind for families through maternity cover that includes normal delivery, C-sections, and newborn care.
Protection from major medical expenses related to accidents, surgeries, and chronic illness.
Support for chronic conditions like HIV/AIDS, diabetes, cancer – both inpatient and outpatient.
Improved quality of life through wellness: regular screenings, PSA tests, PAP smears, and immunizations.
Financial relief during loss via a funeral benefit payout of UGX 1 million.
Better dental and vision health through routine care, treatment, and prescription cover.
Convenient healthcare access across a wide national provider network.
Secure overseas treatment options when advanced care is needed and referred.
Digital convenience through telemedicine consultations and 24-hour care support.
Coverage for children and dependents, ensuring the whole family is protected.
Royal Cover
Who is eligible for the cover?
- Adults aged 18–74 years (extendable to 80 for renewing members).
- Children from birth (after 34 weeks) up to 18 years (extendable to 25 if in school).
Eligibility:
Adults aged 18–74 years (extendable to 80 for renewing members).
Children from birth (after 34 weeks) up to 18 years (extendable to 25 if in school).
Annual Inpatient Cover Limit: UGX 100,000,000 per person.
Outpatient Cover: Unlimited within defined sub-limits.
Separate Limits for:
Dental: UGX 1,000,000
Optical: UGX 1,000,000
Wellness checkups: UGX 400,000
Funeral benefit: UGX 3,500,000
Maternity Limit: UGX 6,000,000 per family.
Covid-19 Coverage:
Inpatient care included.
2 PCR tests for symptomatic cases.
Waiting Periods (Moratoriums):
Illness & Covid hospitalization: 3 months
Maternity, chronic & pre-existing conditions: 12 months
Organ transplant, elective surgeries: 24 months
Pre-authorized Overseas Referrals: Limited to Kenya, India, Mauritius, etc.
Temporary International Cover: Up to 6 weeks per trip (incidental travel only).
Telemedicine Access & 24/7 Medical Pre-authorization Line.
Age-Based Medical Examination: Mandatory from 50 years.
No Policy Excess. Co-payments only as per provider panel.
100% Reimbursement: For eligible claims at reasonable and customary rates.
Access to Over 300 Accredited Healthcare Providers Nationwide.
Each Insured Member Has Their Own Card.
- Financial Protection Against High Medical Bills – Whether for accidents, chronic illness, maternity, or emergencies.
- Access to Quality Healthcare Across Uganda – No worries about which hospital to go to thanks to a wide provider network.
- Peace of Mind with Comprehensive Coverage – From pre-existing conditions to cancer and psychiatric care.
- Improved Health Through Wellness Services – Annual checkups, PSA tests, mammograms, vaccinations.
- Reduced Burden in Times of Loss – Funeral benefit of UGX 3.5 million helps loved ones with immediate costs.
- Convenient Access to Doctors via Telemedicine – Remote consultations save time and reduce exposure.
- Seamless Maternal Care – Covers both normal and caesarean deliveries, including newborn care.
- Support for Chronic Illness Management – Regular outpatient reviews, prescriptions, and care coordination.
- Vision and Dental Health Maintenance – Covers glasses, cleanings, fillings, extractions, and exams.
- Coverage for Emergency Evacuations – Road ambulance services within Uganda included.
- Mental Health Support – Both inpatient and outpatient psychiatric care is covered.
- Flexibility with International Treatment – Authorized overseas treatment if local care isn’t sufficient.
Serenicare
Coverage for hospitalization, pre-specified ailments, and accidents that are for a pre-specified amount.
- Covers medical emergencies, medical transportation, repatriation & evacuation, pre- existing medical & related expenses wic may include Hospital admission longer than 48 hrs for journeys less than 30 days.
- Covers follow-up. treatment in an East African country of residence, daily-hospital cash benefit (1-day waiting period), emergency clinical expenses, emergency optical expenses, & excess on outpatient claims.