INTERNATIONAL MEDICAL INSURANCE

BUPA INTERNATIONAL MEDICAL INSURANCE

Bupa International is a leading international expatriate health insurer with customers in over 190 countries.

BUPA Options and benefits at a glance:

  1. Essential Plan (inpatient only) – covers inpatient and Day-patient treatment only (hospitalizations); but with full cancer treatment cover.  Suitable for those who just want to insurer for major eventualities only
  2. Classic Plan (in & outpatient) –covers both hospitalizations and also cover for outpatient treatment (Doctor consultations) BUT does not cover GP/Family Doctor treatment (only covers Specialist Consultations).
  3. Gold Plan(enhanced in & outpatient) – this is the top plan with extra benefits like the Outpatient prescribed medicines, Accident-related dental cover, and higher overall limits. Companies can add Dental benefits at an extra premium
  4. Gold Superior(Enhanced Comprehensive plan for groups only) – this is the top most plan with a $10m overall limits; and higher/generous benefits

BUPA’s Outpatient (non hospitalization) cover/treatment is on reimbursement basis

ALLIANZ

Allianz is a German multinational financial services company headquartered in Munich, Germany. Its core business and focus is insurance. As of 2010, it was the world's 12th-largest financial services group and 23rd-largest company according to a composite measure by Forbes magazine.

Allianz Worldwide Care offers a choice of three different geographical areas of cover:

  1. Worldwide, which provides cover anywhere in the world
  2. Worldwide excluding USA
  3. Africa only

The chosen area of cover will be specified in the Insurance Certificate.

INTERNATIONAL MEDICAL INSURANCE OPTIONS

UNDERWRITER BUPA BUPA BUPA BUPA ALLIANZ ALLIANZ ALLIANZ ALLIANZ
TOTAL INPATIENT LIMIT KES95,000,000.00 KES142,500,000.00 KES190,000,000.00 KES237,500,000.00 KES299,250,000.00 KES199,500,000.00 KES152,000,000.00 KES67,450,000.00
$1,000,000.00 $1,500,000.00 $2,000,000.00 $2,500,000.00 $3,150,000.00 $2,100,000.00 $1,600,000.00 $710,000.00
INPATIENT ESSENTIAL CLASSIC GOLD WHO PREMIER CLUB CLASSIC ESSENTIAL
Hospital accommodation Standard single room with a private bathroom Standard single room with a private bathroom Standard single room with a private bathroom Standard single room with a private bathroom Private room with a private bathroom Private room with a private bathroom Private room with a private bathroom Semi-private room
Prescription drugs and materials Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full
Surgical fees, including anaesthesia and theatre charges Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full
Physician and therapist fees Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full
Surgical appliances and prostheses Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full
Diagnostic tests Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full
Organ transplant Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full $14,000.00
Psychiatry and psychotherapy Paid in full Paid in full Paid in full Paid in full for 20 days each membership year Paid in full Paid in full Paid in full $7,100.00
Accommodation costs for one parent staying in hospital with an insured child under 18 Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full
Emergency in-patient dental treatment Not applicable Not applicable Not applicable Not applicable Paid in full Paid in full Paid in full Paid in full
Day-care treatment Covered Covered Covered Covered Paid in full Paid in full Paid in full Paid in full
Out-patient surgery Not applicable Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full
Nursing at home or in a convalescent home $200 each day for 30 days $200 each day for 30 days $200 each day for 30 days Paid in full, not pay for nurses hired in addition to the hospital’s own staff $6,000.00 $4,000.00 $3,550.00 $3,550.00
Rehabilitation treatment We pay in full for up to 30 days of treatment We pay in full for up to 30 days of treatment We pay in full for up to 30 days of treatment We pay in full for up to 30 days of treatment $6,250.00 $4,250.00 $3,550.00 $2,800.00
Local ambulance Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full
Local Air Ambulance $10,000.00 $10,000.00 $10,000.00 $8,500.00 Paid in full Paid in full Paid in full $710.00
Emergency treatment outside area of cover - USA Ineligible if we suspect that you purchased cover for and travelled to the USA for the purpose of receiving treatment Ineligible if we suspect that you purchased cover for and travelled to the USA for the purpose of receiving treatment Ineligible if we suspect that you purchased cover for and travelled to the USA for the purpose of receiving treatment Ineligible if we suspect that you purchased cover for and travelled to the USA for the purpose of receiving treatment For trips of a maximum period of six weeks For trips of a maximum period of six weeks For trips of a maximum period of six weeks For trips of a maximum period of six weeks
Emergency treatment outside area of cover - USA Treatment must be pre-authorised. 80% of costs out of network. Treatment must be pre-authorised. 80% of costs out of network. Treatment must be pre-authorised. 80% of costs out of network. Treatment must be pre-authorised. 80% of costs out of network. Full refund, maximum 42 days Full refund, maximum 42 days Full refund, maximum 42 days Full refund, maximum $14,000
Medical evacuation Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full Paid in full
Expenses for one person accompanying an evacuated person Economy class air ticket by the most direct route available, whichever is the lesser amount Economy class air ticket by the most direct route available, whichever is the lesser amount Economy class air ticket by the most direct route available, whichever is the lesser amount Paid in full, if Worldwide Evacuation Options is also chosen $4,250.00 $4,250.00 $4,250.00 $4,250.00
Travel costs of insured family members in the event of an evacuation For 1 accompanying family member, economy class air ticket by the most direct route available, whichever is the lesser amount For 1 accompanying family member, economy class air ticket by the most direct route available, whichever is the lesser amount For 1 accompanying family member, economy class air ticket by the most direct route available, whichever is the lesser amount For 1 accompanying family member, economy class air ticket by the most direct route available, whichever is the lesser amount $2,800.00 $2,800.00 $2,800.00 $2,800.00
CT and MRI scans Paid in full Paid in full Paid in full Paid in full Full refund Full refund Full refund Full refund
PET and CT-PET scans Paid in full Paid in full Paid in full Paid in full Full refund Full refund Full refund Full refund
Oncology Paid in full Paid in full Paid in full Paid in full Full refund Full refund Full refund Full refund
Maternity - after 10 months’ membership Not applicable $6,000.00 $10,000.00 $3400 only if Worldwide medical plus option is chosen $10,500 only if Premier maternity option is chosen $7,100 only if Premier maternity option is chosen Not applicable Not applicable
Maternity - Medically essential caesarean - after 10 months’ membership Not applicable $19,000.00 $23,500.00 $22,100.00 $21,200 only if Premier maternity option is chosen $14,100 only if Premier maternity option is chosen Not applicable Not applicable
Complications of pregnancy Not applicable $6,000.00 $10,000.00   Full refund Full refund Full refund Not applicable
Laser eye treatment Not applicable Not applicable Not applicable Not applicable $1,400.00 $710.00 Not applicable Not applicable
In-patient cash benefit (per night) $150.00 $150.00 $150.00 $170.00 $210.00 $210.00 $210.00 $210.00
Emergency out-patient treatment Not applicable Not applicable Not applicable Not applicable $1,050.00 $1,050.00 $1,050.00 Not applicable
Emergency out-patient dental treatment Not applicable Not applicable Not applicable Not applicable $1,050.00 $710.00 Not applicable Not applicable
Palliative care and long term care $41,000.00 $41,000.00 $41,000.00 $34,000.00 Full refund, max. 30 days per lifetime Full refund, max. 30 days per lifetime Full refund, max. 30 days per lifetime Full refund, max. 30 days per lifetime
Accidental death Not applicable Not applicable Not applicable Not applicable $14,000.00 Not applicable Not applicable Not applicable