At APA, we believe that a healthy
family is a happy family. Good health
equates to good living, that means having
everyone in the family covered for all
Our Afya Nafuu health cover, caters to everyone in your family, from a term baby born at 38 weeks to an adult 80 years of age.
Including all accommodation expenses net of NHIF during your stay in the hospital. Whether in the Wards, HDU or ICU.
All prescribed drugs and dressings through our designated partners.
Any doctor related charges including those of physicians, surgeons, anesthetists, and specialists for visits and consultations.
All prescribed laboratory tests, X-rays, Ultrasounds, MRI and CT Scans.
Inpatient cover is the core cover.
Inpatient cover is the core cover.
|Overall maximum benefit per year||2,000,000||1,000,000||750,000||500,000||300,000||100,000|
|Bed limits net of NHIF||General Ward Bed||General Ward Bed||General Ward Bed||General Ward Bed||General Ward Bed||General Ward Bed|
|Prescription drugs and dressings-discharge drugs allowed up to a maximum of 30 days supply||Covered||Covered||Covered||Covered||Covered||Covered|
|Physicians, Specialist & Surgical fees, including anaesthetist fees subject to APA panel rates||Covered||Covered||Covered||Covered||Covered||Covered|
|Theatre charges, HDU & ICU||Covered||Covered||Covered||Covered||Covered||Covered|
|Physiotherapy as part of treatment||Covered||Covered||Covered||Covered||Covered||Covered|
|Pre-existing / chronic conditions/ HIV/AIDS / Congenital conditions after 12 months of cover and on full disclosure at the time of joining||300,000||250,000||200,000||150,000||100,000||50,000|
|In Patient Dental||75,000||40,000||30,000||30,000||20,000||10,000|
|Reconstructive surgery following an accident||Covered||Covered||Covered||Covered||Covered||Covered|
|Emergency dental/optical treatment following an accident||Covered||Covered||Covered||Covered||Covered||Covered|
|Post hospitalisation Treatment reimbursement only limited to the first 2 weeks after discharge||25,000||20,000||15,000||10,000||10,000||7,500|
|Accommodation costs for 1 parent staying in hospital with an insured child under 8 years.||Covered||Covered||Covered||Covered||Covered||Covered|
|Day Care Surgery under general anaesthesia||Covered||Covered||Covered||Covered||Covered||Covered|
|Home Nursing (on doctor’s recommendation)||Up to a maximum of 30 days||Up to a maximum of 30 days||Up to a maximum of 30 days||Up to a maximum of 30 days||Up to a maximum of 30 days||Up to a maximum of 30 days|
|Local ambulance to hospital for emergency cases||Covered||Covered||Covered||Covered||Covered||Covered|
|CT, MRI and PET scans subject to pre authorisation||Covered||Covered||Covered||Covered||Covered||Covered|
|1st ever emergency C-section &/or maternity related complications after being on cover for 12 months.||75,000||50,000||40,000||30,000||30,000||30,000|
|In Patient non-accidental Ophthalmology : includes cost of cataract removal (1 year waiting period)||75,000||50,000||40,000||30,000||30,000||30,000|
|Annual Limits Per Person||30,000||40,000||50,000||75,000||100,000|
|Maximum Consultation Limit per visit||1,000||1,000||1,500||1,500||1,500|
|Physicians consultation fees||Covered||Covered||Covered||Covered||Covered|
|Prescription drugs up to a maximum of 30 days||Covered||Covered||Covered||Covered||Covered|
|Specialists fees (strictly on referral by a GP)||2,000||2,000||2,000||2,000||2,000|
|X-Ray, MRI’s, CT and other diagnostic tests||Covered||Covered||Covered||Covered||Covered|
|Physiotherapy prescribed by a GP||Covered||Covered||Covered||Covered||Covered|
|Pre-existing/ Chronic conditions/ HIV AIDS/ Congenital Conditions after 12 months of cover & full disclosure at the time of joining||Covered||Covered||Covered||Covered||Covered|
If you are interested in learning how much this insurance product would cost you, or if you are interested in purchasing this insurance product, please click Get Cover.
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