Imana Health Plans
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 household. MiCover by Unitas is a provider-driven micro health insurance scheme targeting both individuals and corporate organizations. Anyone between ages 18 and 70 is eligible to join.
Inpatient
| Benefits | Limit |
|---|---|
| Overall Annual Cover | Ksh. 650,000 shared per family |
| Chronic and psychiatric conditions | Ksh. 200,000 capped at per family |
| Congenital/prematurity Conditions (baby born before 37 weeks gestation) | Ksh. 100,000 |
| Dental and Ophthalmology illness | Ksh. 100,000 Combined Dental with Ophthalmology within IP |
| Maternity | Ksh.100,000 within IP |
| Internal prosthesis | Within IP |
| Rehabilitation including home nursing, wheelchair, external prosthesis and crutches | Ksh 100,000 within IP |
Outpatient
| Benefits | Limits |
|---|---|
| Overall Annual Cover | Ksh. 75,000 |
| Chronic dialysis | Unlimited session within OP |
| Physiotherapy | Unlimited sessions within OP |
| Basic Dental | Ksh 10,000 per family per annum within OP limit |
| Basic Optical | Ksh 10,000 per family per annum within OP limit |
| Frames and Lenses | Ksh.7,000 sublimit within basic optical of ksh 10,000 |