ShwAARi Medical Cover Insurance
Your health is your wealth
ShwAARi Cover is your key to access quality healthcare while securing your financial stability.
The ShwAARi Medical Cover is a one limit annual medical cover with a variety of plans, each designed to meet the unique needs for you and your family. Whether you are looking for comprehensive coverage or affordable option, the ShwAARi Medical Cover has you covered
Our Cover Plan
- SHWAARI 100K – with a cover limit of up to Ksh 100,000
- SHWAARI 250K– with a cover limit of up to Ksh 250,000
- SHWAARI 500K – with a cover limit of up to Ksh 500,000
- SHWAARI 750K - with a cover limit of up to Ksh 750,000
- SHWAARI 1M– with a cover limit of up to Ksh 1,000,000
Key Features
Our ShwAARi product is unique as it provides you with a single limit that can be used for a wide range of medical services within our extensive network of trusted healthcare providers.
- No sublimit on Inpatient benefits
- Minimal exclusions
- Affordable premiums
- Minimal waiting periods
- No medical examination required
- No approval required
- Flexible payments accepted
- No waiting periods for groups upto 15 members
All our plans gives you access to the following benefits:
Inpatient
- Outpatient
- Dental
- Optical
- Emergency Evacuation
- Ambulance Services
- Prescription Drug Coverage
for both Dental and Optical the following limits will apply for each benefit
- SHWAARI 100K – upto a limit of Ksh5,000
- SHWAARI 250K– upto a limit of Ksh5,000
- SHWAARI 500K – – upto a limit of Ksh5,000
- SHWAARI 750K – upto a limit of Ksh7,500
- SHWAARI 1M–– upto a limit of Ksh10,000
Waiting Periods
- There is a ten-month (10 -Month) waiting period for all inpatient medical expenses related to pre-existing and/or chronic conditions. Outpatient cases relating to pre-existing and/ or chronic conditions will be subject to 3 months waiting periods
- There is a ten-month (10 -Month) waiting period for all inpatient and outpatient admissions and visits for both non-accident related surgeries, pregnancy and childbirth.
- There is a one week waiting period for both illness admissions and visits. (one week anniversary)
- No waiting periods for groups with mem bers above 15
Eligibility Criteria
Person(s) from birth to (100) years can join the scheme. Dependants include spouses, own children, and legally adopted and foster children aged from birth to 18 years. Children over 18 but below 25 years old will be covered under their families if proof of schooling is provided.
Cover exclusions
The following exclusions will apply:
- Only indicated medical expenses which are asperethical/practice guidelines of the Practice and Medical Board
- Cosmetic and breast reduction/augmentation
- Infertility Treatment
- Hearing Aids
- Treatment that is considered experimental/investigative according to accepted professional medical standards
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