Medical cover guide

Britam Milele SME — limits, benefits and options

Britam Milele SME is a group scheme for businesses, with inpatient limits from KSh 300,000 to KSh 10,000,000 per employee and a three-tier co-payment structure.

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Cover typeGroup and SME

Inpatient limitsKSh 300,000 to KSh 10,000,000

Medical examinationAs advised by the insurer

Britam Milele SME — inpatient limits

Plan	Inpatient limits
Milele SME	KSh 300,000, KSh 500,000, KSh 1,000,000, KSh 2,000,000, KSh 3,000,000, KSh 5,000,000, KSh 10,000,000

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 30,000, KSh 50,000, KSh 70,000, KSh 100,000, KSh 150,000, KSh 200,000
Maternity: KSh 80,000, KSh 100,000, KSh 150,000, KSh 200,000, KSh 250,000, KSh 300,000
Dental: KSh 10,000, KSh 20,000, KSh 30,000, KSh 40,000
Optical: KSh 10,000, KSh 20,000, KSh 30,000, KSh 40,000

What the cover includes

Inpatient cover (up to limit)
Accident cover
Acute conditions
Chronic cover
Psychiatric cover
Post-hospitalisation
Air Evacuation
24hr Customer Service
Cancer cover
HIV / AIDS cover
Maternity (optional)
Dental (optional)
Optical (optional)
Critical illness cash benefit (optional)

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

30d acute
12m chronic
10m maternity
3m newly diagnosed
24m critical illness

Britam Milele SME — frequently asked questions

What inpatient limits are available on Britam Milele SME?

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 Britam 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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