PROMED HEALTH Covid-19 cover underwritten by GA Insurance is a tailor-made Benefit Policy which will pay out KES100,000 to the Insured person or beneficiary after infection and hospitalization of at least 24 hours.
About Covid-19 Benefit Policy
PROMED HEALTH Covid-19 cover underwritten by GA Insurance is a tailor-made Benefit Policy which will pay out Kshs. 100,000 to the Insured person or beneficiary after infection and hospitalization of at least 24 hours because of Covid-19.
This is a need-based policy made available for a window of time particularly, in response to the protection gap that was identified due to the pandemic situation. This policy is intended to provide a coping mechanism to the financial distress / strain that one might be facing when infected with Covid-19 and then hospitalized. The benefit beyond the threshold of 24 hours is irrespective of number of days spent in hospital and amount of hospital bills.
The policy will make the payout under the following conditions:
- The cover is limited to Kenyan residents staying in Kenya during the period of cover who are between the ages of 1 and 70
- The Insured must have contracted Covid-19 and hospitalized for at least 24 hours in an accredited medical facility for the policy benefit to be paid
- The Insured must not have any pre-existing Respiratory Medical conditions
- There is a mandatory waiting period of 16 days after inception of the Covid-19 cover
FAQS
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COVID-19 Insurance Policy provides Coverage for a person on diagnosis and hospitalization with COVID-19 for at least for 24 hours. The cover is eligible for persons aged 1 to 70 years.
You can buy the cover online from our website at www.promedhealth.co.ke/covid and have your policy document instantly sent to your inbox.
No. Payment under this policy not shall be made if the insured person travels outside Kenya during the period of cover or has travel history 60 days before inception of the cover.
The cover does not cover any Illness, sickness or disease other than COVID-19.
People with pre-existing respiratory conditions are excluded from cover hence they should not purchase this product.
- Claim Form duly completed and signed
- Diagnostic test confirming COVID 19 from a Government authorized Centre.
- Copy of ID Card and passport
- Hospital Admission form
You may at any time cancel your policy and, in such event, we shall allow refund after retaining premium at Insurance’s short Period rate only (table given below) provided no claim has occurred up to the date of cancellation.
Period on risk Rate of premium to be retained
Up to 3 months 50% of the policy premium plus KES 500
Up to 5 Months 75% of the policy premium plus KES 500
6 months and above 100% of policy premium
This is a benefit Policy which will pay out KES 100,000 to KES 500,000 to the Insured person or beneficiary (depending on the premium you chose) after infection and hospitalization of at least 24 hours because of Covid-19
This is to avoid fraudulent cases whereby people will purchase the product after realizing they are already infected with covid-19.
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No, it does not. Hospitalization of at least 24 hours is a must for the policy to pay.
In case the insured is deceased, the next of kin can claim on their behalf. The insured does also not have to wait till they are discharged from the hospital for them to claim. As long as they can submit the relevant documentation as stated earlier, they can claim and the benefit can even be paid to them within 10 days.
No, they cannot because the proximate cause for hospital admission must be Covid-19.
Upon payment of a claim, the policy ceases.
Policy can be cancelled on grounds of misrepresentation, fraud, moral hazard, non- disclosure of material fact as declared in proposal form/at the time of claim, or non-co-operation by the insured person, by sending the insured 30 days’ notice without refund of premium.
No. The COVID-19 benefit cover is not a medical cover but a benefit policy which is meant to cushion one if they contract COVID-19 and are hospitalized for at least 24 hours.
The 100% lumpsum payment is made to the client and not the hospital, irrespective of the cost they incurred while in the hospital.
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