Defender Med
This medical insurance is an indemnity for medical expenses incurred following illness, disease or accidents. It covers inpatient (when hospitalized) and outpatient (without hospitalization) for SMEs and individuals.
Account Overview
This medical insurance is an indemnity for medical expenses incurred following illness, disease or accidents. It covers inpatient (when hospitalized) and outpatient (without hospitalization) for SMEs and individuals.
What You Need to Open an Account
The requirements are as follows:
SME- An employer of 5-100 employees (flexibility can be granted)
Age 18-65 years (extended to 70 years)
One legal spouse.
Biologically, legally adopted children below 18 years of age (extended to 25 years in full time schooling for SME).
Lodger fee for children below 12 years accommodated
KEPI & Vaccines up to Kshs. 5,000 for children up to 1.5 years
Annual medical check-up up to Kshs. 10,000
Individual- One person or family (of 1-5)
Age 18-65 years (extended to 70 years)
One legal spouse.
Members between 50 ' 65 years to get medical examination at their cost ' cover not automatic
Waiting period for illness - 30 days for individuals and 14 days for SME and No waiting period for accident (option to waive if transferred from existing scheme)
Biologically, legally adopted children below 18 years of age (extended to 25 years in full time schooling under SME)
Lodger fee for children below 12 years accommodated
KEPI & Vaccines up to Kshs. 5,000 for children up to 1.5 years
Annual medical check-up up to Kshs. 10,000 for Employee and Spouse under SME.
Pre-existing, Chronic Cases i.e. Maternity' waiting period of 12 months under Individuals.
Account Benefits
Discover the advantages of banking with Defender Med:
Medical Expenses when hospitalized
Treatment without hospitalization
Last expense ' free benefit of Kshs. 50,000, Kshs. 75,000 and Kshs. 100,000 payable to next of Kin (with-in 48hrs)
Personal accident cover of Kshs. 500,000 for principal member.
Offer options to purchase separately (Maternity, Dental and Optical)
Options
Not included in the main cover, but insured has an option to purchase separately;
Maternity
Waiting period of 12 months (for individuals), 10 months for SME
Full term baby (36 weeks), normal and C-section, labor, recovery ward, other ailments and complications
Pre-natal & Ante-natal outpatient treatment
Dependent children not eligible for this benefit
Dental
Includes consultation, X-Rays, Fillings, Extractions, Prescriptions, Surgical, Anesthetic fees but excludes cosmetic treatment, replacement of old dentures, bridges and plates (unless due to accident)
Optical
Includes consultation, Testing, prescribed glasses, frames (1 pair every two years ' maximum Kshs. 10,000), but excludes sunglasses, lenses, replacement of frames below 2 years (unless of an accident)
Exclusions
Expenses recoverable under other insurances i.e. NHIF
Hazardous sports
Cosmetic surgery
Drugs/Alcohol related
Family planning
Food supplements
Old age homes, places of rest
Participating in riots or strikes
STDs (Except HIV)
Genetic Disorders
Military / Airforce operations
Ambulance cost (unless under inpatient cover)
Pain Management
Suicide attempts or intentional injury
Epidemics / Unknown Diseases
Documents & Forms
Download the necessary documents to apply for this account:
