Serian Smith Insurance : Insuring Happiness

FAMILY HEALTH COVER

At Serian Smith, 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 medical needs.

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.

WHAT AFYA NAFUU CATERS FOR:

a). Covid-19 Covered

Covid-19 cover limit extended to match the limits offered limits offered under chronic / pre-existing conditions limit

b). Bed Charges

Including all accommodation expenses net of NHIF during your stay in the hospital. Whether in the Wards, HDU or ICU.

c). Medication

All prescribed drugs and dressings through our designated partners.

d). Doctor’s Fees

Any doctor related charges including those of physicians, surgeons, anesthetists, and specialists for visits and consultations.

e). Diagnostics

All prescribed laboratory tests, X-rays, Ultrasounds, MRI and CT Scans.

Our main products include:

Inpatient cover is the core cover.

With this, one is covered for; Pre-existing, Chronic, Congenital, HIV/AIDS-related conditions, cancer treatment, organ transplant, lodger fees, accidental dental/reconstructive surgery among many more others.

Optional Benefits:

Outpatient cover.
Maternity cover.
Dental & Optical Cover.
Last expense cover
Personal Accident Benefit Cover.

The cover also provides for enhanced benefits. This include:

Cover for Pre-Existing, Chronic, Psychiatric, congenital and HIV/AIDS including related conditions.
Countrywide Provider Network.
Overseas inpatient referrals covered on credit under-listed hospitals.
Cover for inpatient dental and optical treatment.
Post hospitalisation benefit.
Funeral expenses benefit.
Free Personal Accident benefit for Principle member.
Who is eligible for the cover?
Adults between the age of 18 years and 80 years.
Children between the age of 1 month and 17 years.

Maternity Cover

Children bring us happiness and blessings. As we prepared for our new bundle of joy, we should cater for the mother’s health and conditions pre birth. This is why we have a Maternity Cover that caters for:

Normal delivery including professional fees, labour and recovery wards for all plans.
Costs of delivery, and other related ailments and complications including ectopic pregnancies, miscarriage, etc.
Cesarean section delivery including professional fees, labour and recovery wards.

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Main Features include:

Inpatient cover is the core cover.

With this, one is covered for; Pre-existing, Chronic, Congenital, HIV/AIDSrelated conditions, cancer treatment, organ transplant, lodger fees, accidental dental/reconstructive surgery among many more others.

Optional Benefits:

Outpatient cover.
Maternity cover.
Dental & Optical Cover.
Last expense cover.
Personal Accident Benefit Cover.

The cover also provides for enhanced benefits. This include:

Cover for Pre-Existing, Chronic, Psychiatric, congenital and HIV/AIDS including related conditions.
Countrywide Provider Network.
Overseas inpatient referrals covered on credit under-listed hospitals.
Cover for inpatient dental and optical treatment.
Post hospitalisation benefit.
Funeral expenses benefit.
Free Personal Accident benefit for Principle member.

Who is eligible for the cover?

Adults between the age of 18 years and 80 years.
Children between the age of 1 month and 17 years.

Maternity Cover

Children bring us happiness and blessings. As we prepared for our new bundle of joy, it is best that we cater to the mother’s health and conditions pre-birth. This is why we have a Maternity Cover that caters for:

Normal delivery including professional fees, labour and recovery wards for all plans.
Costs of delivery, and other related ailments and complications including ectopic pregnancies, miscarriage, etc.
Caesarean section delivery including professional fees, labour and recovery wards.

INPATIENT CORE PLANS

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 Serian Smith panel rates	Covered	Covered	Covered	Covered	Covered	Covered
Theatre charges, HDU & ICU	Covered	Covered	Covered	Covered	Covered	Covered
Diagnostic tests	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
Funeral expenses	50,000	30,000	25,000	25,000	20,000	20,000
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

OUTPATIENT CORE PLANS

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

How do I start

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.

If you would like further explanation or assistance about this insurance product, please click I Need Assistance.

Download forms will give you access to any relevant documents for this insurance product, such as the claim form, proposal form, etc.

Get Cover

Download Forms

I Need Assistance

FAMILY HEALTH COVER

WHAT AFYA NAFUU CATERS FOR:

Our main products include:

Inpatient cover is the core cover.

Optional Benefits:

The cover also provides for enhanced benefits. This include:

Maternity Cover

Main Features include:

Inpatient cover is the core cover.

The cover also provides for enhanced benefits. This include:

Who is eligible for the cover?

Maternity Cover

INPATIENT CORE PLANS

OUTPATIENT CORE PLANS

How do I start

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