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.
Family Size
Premium
M + 3
KES 62,000
M + 4
KES 71,500
M + 5
KES 81,000
M + 6
KES 90,500
Scope of Cover
Limits
Outpatient
KES 150,000
Inpatient
KES 1,500,000
Dental
KES 30,000
Optical
KES 30,000
Maternity
KES 100,000
Evacuation
KES 200,000
Covid19
KES 250,000
Last Expense
KES 100,000
Group Life
KES 250,000
Eligibility
18-65
Co-Pay
No
Application Procedure
Fill data collection form - excel
Provide copies of ID cards for adults
Provide copies of birth certificates for children
Provide passport size photo for each member - both adults and children
Pay premium via Mpesa Paybill 7596117, use main member ID/Passport Number as account number
Submit your application
Imana team will confirm cover and effective date
Members to receive E-cards via email within 7 days