The outpatient scheme will operate under a Managed Fund, an arrangement between British-American Insurance and Client, (hereinafter referred to as Client). Client will decide on the scope of cover for the fund. British-American will be available for Guidance and advice on benefits, service providers, exclusions and limits.

• The scheme covers all routine outpatient services which include consultations, investigations, prescribed drugs, physiotherapy, and immunization, dental and optical services.

• Each family is covered up to the set outpatient limit per year.

• Members access panel hospitals and clinics for treatment on credit using membership cards. British-American pays medical bills directly to the medical service providers from the fund and prepares monthly statements to Client to show usage and respective balances.

• BRITAK will come up with an estimate working budget. However, to effect cover we only require an initial deposit of a third of the annual budget for us to start administering the outpatient benefits. This deposit is usually replenished at 75% utilization or as may be required from time to time.

• At the end of the insurance period, the unutilized funds may be carried forward to the next period or refunded to Client.

This Group medical package covers hospitalization and “Day Care Procedures” due to illnesses and/or accidental injuries occurring within the policy period. The cover also includes treatment for pre-existing medical conditions as well as HIV/AIDS management upon enhancement.

The Group inpatient medical package extends inpatient benefits for organizations with staff population of at least ten (10). Each individual or family is covered for a specified limit and claims are settled up to the purchased cover limit. The inpatient cover limits range from KShs.200,000/- to KShs.10,000,000/- (ten million).

The Personal Indemnity cover is for claims arising out of medical practice including

• Defense in litigation

• Costs of litigation

• Incidental expenses in defense of claim

• Indemnity to the claimant

• Upfront negotiations and settling of claims

This is a special tailor made Personal Accident insurance covering students for medical expenses following an accident. In addition it provides cover against death, loss of limbs, sight and hearing and such other permanent total or permanent partial disablement a rising out of any accident.

Cover against bodily injury caused by violent accidental external and visible means which injury shall solely and independently of any other cause result in the insured Person's death or disablement.

Benefits include; Death compensation, permanent total disability compensation, loss of weekly income due to temporary total disability and medical expenses incurred as a result of the same accident. Can be taken as an individual or a group.

• Consultation fees and evacuation costs directly leading to hospitalization,

• In hospital accommodation costs. {NB: Executive suites like Pavilion, North Wing, Jeans Ward, etc. are excluded.}

• ICU/HDU charges, physiotherapy, radiotherapy and chemotherapy,

• Theatre charges, costs of surgical appliances and toiletries

• Road and air ambulance for emergency evacuations.

• Doctors’ fees (Physicians, Surgeons, Anaethetists)

• Medical investigations & pathology such as X-rays, scans, assorted laboratory tests, etc.

• Inpatient optical / ophthalmological (eye), ear and dental treatment and management arising out of sickness or injuries.

• Prescribed medications, dressings and costs of surgical appliances and toiletries

• Daycare surgeries and procedures subject to pre-authorization.