It's a traffic sign missing from Kenya's traffic code but UAP Insurance has included it in Kenya's Insurance products by "Standing Up" for the Elderly. Now, the elderly have a reputable Health Insurance provider to stand by them.
In a land not known to have a formal organized support system for the elderly, other than the family support system, Business Entrepreneurs and Corporate Managers, are finding it hard to cope with the demands of handling the medical demands for the elderly. There's silent frustration, yet, they are duty-bound to give back what they received from their parents... values, ideals, education, love, hope... At times, it is challenging in urban settings, neighbours rarely know each other very well, these days. Its also costly living in an urban setting.
Also note that Insurance Agents are also not immune from the stress of telling their clients that "Mzee" or "Mama" cannot be covered. Yet "Mzee" and "Mama" are playing golf, walking, jogging, going on safari, flying a plane, riding a pikipiki , managing/overseeing a business, managing a shamba, in summary, they are active, healthy and not sedentary.
Also note that Insurance Agents are also not immune from the stress of telling their clients that "Mzee" or "Mama" cannot be covered. Yet "Mzee" and "Mama" are playing golf, walking, jogging, going on safari, flying a plane, riding a pikipiki , managing/overseeing a business, managing a shamba, in summary, they are active, healthy and not sedentary.
There is a social angle too. Not only have the elderly given to their families, but they have served their country and society, at large. Look at the achievements of those who in their hey-day contributed to the well-being of the economy, businesses, armed services, civil service, police, Mama Mboga, Baba Duka...
We quote from the press release in the East African Standard;
UAP Insurance Head of Medical Isaac Nzyoka said in doing this, the company was filling a gap that has existed in Kenya since the advent of medical insurance.
It is also responding to rising demand from a section of the population that is keen to provide insurance for aging parents.
He said that UAP had also realised from research that aging parents were increasingly posing a burden for their working children and with the ability to comfortably take care of them waning with rising medical and living costs, the best option was insurance.
“Over the years we also received many enquiries and instead of resorting to traditional insurance guidelines, opted to get our underwriters to develop a solution that provides cover for aging parents, which either they or their children or guardians can fund,” he added.
So, UAP Kenya deserves a fresh bouquet of flowers for the joy you'll bring to many households.
There are four classes defined by In-Patient Overall Limits and the Bed (I wish each class had a revvy name!), subject to conditions and sub-limits for various sub-classes:
- KShs 500,000 for the General Ward for a premium of KShs 57,775
- KShs 1,000,000 for the General Ward for a premium of KShs 66,032
- KShs 3,000,000 for a Standard Private Room for a premium of KShs 99,534
- KShs 5,000,000 for an Ensuite Room for a premium of KShs 113,565
The Out-Patient classes are as follows:
- KShs 100,000 for a premium of KShs 45,244
- KShs 150,000 for a premium of KShs 58,150
- KShs 200,000 for a premium of KShs 61,566
- The existence of Chronic conditions as "excluded / non-excluded pre-existing chronic conditions" and "newly diagnosed chronic conditions".
- Excluded Pre-Existing Chronic conditions - 2 year waiting period applies
- Non-Excluded Pre-Existing Chronic conditions - 2 year waiting period applies
- Newly diagnosed Chronic Conditions - 1st year of diagnosis
- Excluded - Illness claims within 28 days of cover
- Excluded - Surgical claims within 60 days of cover
- Excluded - amounts recoverable from NHIF and GPA (Group Personal Accident)
- Post-hospitalization treatment
- Organ transplants
- Exclusion of Accident related illness
- Referrals are limited to India and South Africa only
- Cover is subject to acceptance of a medical report
- HIV / AIDS and related conditions after 1 year of cover for In-Patient, and 2 years of Out-Patient.
This list is not exhaustive, but is only meant to serve as a guide to the reader in making educated choices on insurance matters.
For more information, please download the product brochure.
Disclaimer: Please note that the photos posted on this Blog are not owned by First Liberty Insurance Agency ("First Liberty Kenya") but, are posted here for Educational Purposes. The views here are those of First Liberty Kenya and not of any third party.
