Medical cover guide
CIC Senior Mediplan — limits, benefits and options
CIC Senior Mediplan covers members aged 61 and above, with inpatient limits from KSh 500,000 and optional outpatient and dental benefits.
Cover typeIndividual and family
Inpatient limitsKSh 300,000 to KSh 5,000,000
Plans available6
Medical examinationVaries by product
CIC Senior Mediplan — inpatient limits
| Inpatient limit | Bed entitlement | Plan |
|---|---|---|
| KSh 300,000 | General Ward Bed | Senior Mediplan I |
| KSh 500,000 | General Ward Bed | Senior Mediplan II |
| KSh 1,000,000 | General Ward Bed | Senior Mediplan III |
| KSh 2,000,000 | Standard Private Room up to KSh 15,000/day | Senior Mediplan IV |
| KSh 3,000,000 | Standard Private Room up to KSh 16,000/day | Senior Mediplan V |
| KSh 5,000,000 | Standard Private Room up to KSh 20,000/day | Senior Mediplan VI |
Premiums depend on the members covered and their ages, so the price for a limit is confirmed in your quotation.
Optional benefits you can add
Depending on the plan you choose, the following can be added to the inpatient cover:
- Outpatient: KSh 50,000, KSh 75,000, KSh 100,000, KSh 150,000, KSh 200,000, KSh 300,000
- Maternity: KSh 50,000, KSh 60,000, KSh 75,000, KSh 80,000, KSh 100,000, KSh 120,000, KSh 150,000, KSh 175,000, KSh 200,000, KSh 250,000, KSh 300,000
- Dental: KSh 5,000, KSh 7,500, KSh 10,000, KSh 15,000, KSh 20,000, KSh 30,000, KSh 40,000, KSh 50,000
- Optical: KSh 5,000, KSh 7,500, KSh 10,000, KSh 15,000, KSh 20,000, KSh 30,000, KSh 40,000, KSh 50,000
What the cover includes
- Inpatient medical cover
- Pre-existing and chronic conditions
- Newly diagnosed chronic conditions
- Emergency road and air evacuation
- Post-hospitalisation care
- Optional outpatient where applicable
- Dental and optical benefits where applicable
Benefit sub-limits (pre-existing conditions, chronic conditions, maternity, psychiatric care, last expense and so on) are printed on every quotation we issue and are listed in the insurer's brochure.
Waiting periods
- Waiting periods vary by CIC product and benefit
Co-payment, where it applies
- See product-specific CIC co-payment details
CIC Senior Mediplan — frequently asked questions
What inpatient limits are available on CIC Senior Mediplan?
The limits we quote are KSh 300,000 to KSh 5,000,000 per year. Each limit is a separate plan with its own benefits schedule, so the premium and the sub-limits change with the limit you pick.
Can I add outpatient, maternity, dental or optical cover?
Yes. Depending on the plan, optional benefits can be added at the amounts listed above. Outpatient cover is normally required before dental or optical benefits can be selected.
Who can be covered?
This product covers a principal member, and can include a spouse and children on the same policy.
How is the premium paid?
Premiums are paid directly to CIC using the payment details printed on your quotation. Now Insurance Agency does not receive or handle client payments.
How long does cover take to start?
Cover is typically confirmed within 1 to 5 working days after payment or IPF settlement and receipt of complete documents, subject to the insurer's underwriting and acceptance.
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