Micro insurance refers to insurance services targeting principally low-income earners, who are excluded from mainstream commercial and social insurance schemes, due to affordability barriers. Generally, micro insurers provide a limited set of benefits to members at low premiums, making them affordable to low-income households. MiCover, UniMax and UniPlus by Imana are provider-driven micro health insurance schemes targeting both individuals and corporate organizations.
Imana Family Health
Affordable Quality Healthcare
Premiums (In Kshs.)
| Family Size | MiCover | UniMax | UniPlus | ||
|---|---|---|---|---|---|
| M | 24000 | 62000 | 75000 | ||
| M + 1 | 24000 | 62000 | 75000 | ||
| M + 2 | 24000 | 62000 | N/A | ||
| M + 3 | 24000 | 62000 | N/A | ||
| M + 4 | 27000 | 71500 | N/A | ||
| M + 5 | 30000 | 81000 | N/A | ||
| M + 6 | 33000 | 90500 | N/A |
Benefits (In Kshs.)
| SCOPE OF COVER | MiCover | UniMax | UniPlus | ||
|---|---|---|---|---|---|
| Outpatient | 75000 | 150000 | 100000 | ||
| Inpatient | 650000 | 1500000 | 1000000 | ||
| Last Expense | 0 | 100000 | 100000 | ||
| Group Life | 0 | 250000 | 0 | ||
| Maternity | 100000 | 100000 | 0 | ||
| Dental | 10000 | 30000 | 30000 | ||
| Optical | 10000 | 30000 | 30000 | ||
| Evacuation | 0 | 250000 | 250000 | ||
| Ages | 0-70 | 0-65 | 50-80 | ||
| Co-Pay | 0 | 0 | 0 |
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