Individual Health

 The APA individual and family health cover insurance is designed to provide total peace of mind for you and your family in case of hospitalization

our health insurance product is run by a team of medical and insurance personnel who guarantee quality and efficient service

the cover provides a comprehensive and flexible hospitalization (inpatient) cover.

Claims Procedures.

All admissions must be authorized by APA

Special Conditions

  • waiting period 30 days except for accident cases
  • Age Limit -3 months - 70 years (Maximum joining age 58 years)
  • cover outside kenya up to 6 weeks
  • Time bar at sixty(60) days from the day of ailment
  • No return premium for deleted individual after six (6) months of cover or of claims have been incurred
  • Cancellation notice of 14 days by either party
  • Geographical limit - kenya

Main Exclusions

  • General Health check-ups
  • Cosmetic surgery or treatment  unless caused by accident
  •  Age related senility or insanity
  • Family planning/Infertility
  • Treatment other than by a registered HEALTH practitioner
  • Intentional self injury, drunkenness, drug addiction, criminal acts.
  • Expenses recoverable under any other insurance or source
  • Beauty treatment at nature cures clinics or health hydros.
  • any claim where material information shall have been mis-stated or withheld at the time of application.
  • Expenses in excess of the specified policy limits and/or sub-limits
Status

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APA Insurance | Individual Health

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