Medical cover guide
CIC SME Medipack — limits, benefits and options
CIC SME Medipack is a staff medical scheme for small businesses, priced per employee with choice of inpatient limit and optional outpatient cover.
Cover typeGroup and SME
Inpatient limitsKSh 300,000 to KSh 10,000,000
Plans available8
Medical examinationVaries by product
CIC SME Medipack — inpatient limits
| Inpatient limit | Bed entitlement | Plan |
|---|---|---|
| KSh 300,000 | General Ward Bed | SME Medipack Option 1 |
| KSh 500,000 | General Ward Bed | SME Medipack Option 2 |
| KSh 1,000,000 | General Ward Bed | SME Medipack Option 3 |
| KSh 2,000,000 | KSh 17,500/day | SME Medipack Option 4 |
| KSh 3,000,000 | KSh 18,000/day | SME Medipack Option 5 |
| KSh 4,000,000 | KSh 19,000/day | SME Medipack Option 6 |
| KSh 5,000,000 | KSh 20,000/day | SME Medipack Option 7 |
| KSh 10,000,000 | KSh 25,000/day | SME Medipack Option 8 |
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 75,000, KSh 100,000, KSh 150,000, KSh 250,000
- 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 SME Medipack — frequently asked questions
What inpatient limits are available on CIC SME Medipack?
The limits we quote are KSh 300,000 to KSh 10,000,000 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 is a group scheme, so cover is arranged for a business with a minimum number of families or employees. The quote engine shows the family sizes and head count the insurer accepts.
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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