Some illnesses take more than one’s health and comfort. Some take away a person’s financial stability and sweep the rug from under their feet. A critical illness cover gives one a cash payout on first detection of these illnesses and provides the much needed financial relief.
In partnership with UAP Old Mutual, our Critical Illness Cover ensures that you are given the financial assistance required to seek treatment in the event you are diagnosed with a critical illness such as cancer, heart attack, stroke, renal/kidney failure, among others. Moreover, it ensures you are covered in case you get a heart attack, or if you require an organ transplant.
With the cover, the beneficiary will be provided with a lump sum payment on the first diagnosis of any of the covered severe illnesses and life-threatening conditions. This payment enables one to seek treatment at a facility of their choice, locally or abroad.
What is covered?
Open Heart Surgery
Major Organ Transplants (Kidney, Heart, Lung, Heart – Lung, Liver, Pancreas, Bone Marrow)
Motor Neuron disease
Accidental Brain Damage
Connective Tissue Disease: Rheumatoid Arthritis
A duly completed and signed application form
Proof of payment of quotation provided
National ID or Passport copy
Medical report ( Medical Exam will be done by doctors listed on UAP Old Mutual panel)
In certain instances, other documentation will be required (e.g. a financial questionnaire)
CRITICAL ILLNESS FREQUENTLY ASKED QUESTIONS
What happens if the insured passes away?
There is an option to purchase life cover at the beginning of the policy if a customer chooses the same, UAP old mutual will pay the nominated beneficiary the equivalent of the sum assured.
How long does the payment take?
Once a claim has been lodged, and medical reports submitted, all requirements met between 2 weeks and one month.
Who qualifies for critical illness cover
Anyone who is below the age of 55, younger persons pay less premiums for equivalent cover amounts
Will I be restricted to your panel of hospitals when seeking treatment and management of severe illness?
No. You make the choice of hospitals to attend both within and abroad.
How much will I be paid when my severe illness cover matures?
Upon diagnosis of a severe illness (not maturity) UAP Old mutual pays you a lumpsum amount ranging from 1 million to 15 million depending on the amount of cover bought.
How soon can I get severe illness benefits once I have purchased the cover?
Ones the cover has been accepted. i.e, you have paid your premiums and have successfully undergone medical examinations.
Can I buy a severe illness cover for my loved one?
Yes, you however need to have insurable interest e.g spouse/child
What will it cost me to secure a severe illness cover?
The minimum premium cost is KES.1,000
What do I need to do to have a severe illness cover?
Fill up a severe illness application form, pay your initial premium, have medical examinations done.
Who pays for the medical examinations when I am buying a severe illness cover?
UAP Old Mutual takes care of the medical expenses in the selected list of providers.
What are some of the severe illness?
Heart Attack ,Cancer, Stroke, Open Heart Surgery, Aortic surgery, Major organ transplant –of heart, lung , liver , kidney , pancreas , bone marrow, Accidental Brain Damage, Kidney Failure, Paralysis, Multiple sclerosis, Motor Neurone Disease, Dementia (including Alzheimer’s Disease), Parkinsonism, Connective Tissue Disease: Rheumatoid Arthritis, Coma, Muscular Dystrophy