Nhif supa cover national hospital insurance fund

NHIF Supa Cover is a health insurance plan offered by the National Hospital Insurance Fund (NHIF) in Kenya. Here are some key features and benefits of the Supa Cover plan:

Eligibility:

• Anyone can purchase the Supa Cover plan, regardless of age or occupation.
• However, to be eligible for the plan, you must be a Kenyan citizen or a resident in Kenya.

Benefits:

• Comprehensive medical cover for inpatient and outpatient services.
• Cover for pre-existing conditions, subject to a waiting period.
• Cover for maternity services, including cesarean sections and normal deliveries.
• Cover for pediatric services, including vaccinations and well-baby care.
• Cover for dental services, including routine check-ups and procedures.
• Cover for optical services, including eye exams and glasses.
• Cover for alternative medicine, including traditional and herbal medicine.
• Cover for emergency services, including ambulance services.

Cover Levels:

• Supa Cover has three cover levels: Bronze, Silver, and Gold.
• Each level offers different benefits and limits, with Gold being the most comprehensive and expensive.
• The cover levels are as follows:
  • Bronze: KES 1,500 (approximately USD 15) per month, with a limit of KES 50,000 (approximately USD 500) per year.
  • Silver: KES 3,000 (approximately USD 30) per month, with a limit of KES 100,000 (approximately USD 1,000) per year.
  • Gold: KES 6,000 (approximately USD 60) per month, with a limit of KES 200,000 (approximately USD 2,000) per year.

Waiting Period:

• There is a 3-month waiting period for pre-existing conditions.
• This means that if you have a pre-existing condition, you will not be covered for that condition for the first 3 months of your policy.

Pre-Authorization:

• Some services, such as surgery and hospitalization, require pre-authorization from NHIF.
• This means that you must obtain approval from NHIF before receiving treatment.

Reimbursement:

• NHIF will reimburse you for medical expenses incurred while receiving treatment.
• The reimbursement amount will depend on the cover level you have chosen and the limits set for that level.

Other Benefits:

• NHIF Supa Cover also offers other benefits, including:
  • Access to NHIF's network of healthcare providers.
  • Discounts on medical expenses at participating hospitals and clinics.
  • Access to NHIF's customer service center for assistance with claims and other issues.

Overall, NHIF Supa Cover is a comprehensive health insurance plan that offers a range of benefits and cover levels to suit different needs and budgets.