Family Healthcare Plan
Private
Health care remains relatively under developed in East Africa. True,
private hospitals, clinics and other medical facilities about; but
there is a distinct lack of well established, properly regulated
medical founding institutions offering, as part of their core
functions, healthcare insurance products developed in conjunction
with, and in variably supported by conventional insurers.
In
response to these mounting concerns ICEA has gone beyond the
traditional indemnity basis of providing medical insurance coverage to
embrace the concept of managed healthcare.
Among
ICEA’s latest products is the Family Health Care Policy.
The policy not only guarantees the prescribed indemnity, on
insured basis, to the individual members of a family unit for
inpatient expenses, but will in due course also put at their disposal,
high quality managed health care service at prescribed healthcare
institution. The
country’s wide
reach of this service has been made possible by the recent expansion
of our extensive regional network, supplemented by the soon to be
established affiliated agency office.
This online, interconnected network will have a significant
part of play in the coordination and supervision of the requisite
health care delivery system, with its unique demands for sensitive
handling and timely response, especially in relation to one of its
core benefits, rapid emergency evacuation service.
The
Product
It
is a fact of life that disease or illness can occur at any time
causing financial hardship and psychological strain that arise from
such personal misfortunes.
Suddenly
you or your loved one is in hospital and the medical bills begin to
pile up!
ICEA Family Health
Care Plan
will ensure that your medical costs will be covered.
Whether you are covering yourself or your family, we have a
plan that is tailored to suit your needs.
The
Cover
Added Benefits
Credit
facilities with major hospitals countrywide
Free photo ID membership Card
Free follow up treatment
Exclusions
The
following costs are not covered under FAMILY HEALTH CARE POLICY
-
Claims
arising during the first fourteen (14) days of membership and any
pre-existing conditions.
-
Family
planning, infertility, pregnancy and childbirth expenses, except
for the first caesarean operation, venereal disease or Aids.
-
Cosmetic,
beauty treatment or surgery unless necessitated by an accident.
-
Any
treatment done in nature care clinics, health hydrous sanitaria
custodial care and similar establishments.
-
Home
nursing charges or any charges for residential stay in Hospital
arranged for domestic reasons.
-
Consultant’s
and specialist’s fees unless referred by the patient’s general
practitioner.
-
Children
below the age of four (4) months.
-
Any
expenses reimbursable under any other insurance or scheme such as
NHIF, Workmen’s Compensation etc.
-
Expenses
incurred outside geographical limit except where the Insured
person is temporarily abroad for a continuous period not exceeding
six (6) weeks.
-
Treatment
not undertaken by or under the direction of a Registered Medical
Practitioner.
-
Routine
Medical check-ups
-
Dental
and Optical expenses unless resulting from an accident.
-
Congenital
defects or anomalies, self-injury, deliberate exposure to danger,
criminal act, dissipation, drunkenness or drug abuse.
-
Senility
or conditions of a chronic or recurring nature.
-
Physical
or mental defect or infirmity unless directly caused by an
accident.
-
Suicide
or attempt thereat or illegal acts or self-inflicted injury.
-
Flying,
except as a fare paying passenger
-
Sport
as a professional, motor cycling as the driver or passenger racing of and kind other than on foot or whilst swimming, rugby,
-
association football, hockey, winter sports, mountaineering,
potholing,
-
sub-aqua pursuits, water skiing, parachuting etc.
-
Naval/military/
air force service operations.
-
War,
invasion, act of foreign enemy/hostilities, riots, unrest, civil
war, rebellion and the like.
-
Contamination
by radioactivity from nuclear fuel or waste.
-
Cost
of drugs supplied by the consulting doctor unless in an emergency.
|
|
