Benefits Covered by Health Insurance

Benefits are the specific commitments that your insurer provides in your health insurance medical cover, most insurance agencies will provide you with the following benefits:

• Inpatient Costs: Meets the costs of hospitalization which includes the ward, treatment and meals.
• Outpatient Costs: Meets costs of outpatient treatment like Antenatal Checkup or a visit to our Maternal Child Health Clinic (MCH)
• Maternity Costs: Meets the costs of delivery, during and after pregnancy
• Emergency and Ambulance Costs: Meets costs of emergency cases and those that may need ambulance services
• Pharmacy and Medicine Costs: Meets the costs of your prescribed drugs
• Consultancy Costs: Meets costs of seeing and getting medical consultancy from the doctor.
• Laboratory and Diagnosis Costs: Meets the costs of laboratory services and diagnostic imaging like X-ray, Ultra Sound, Doppler Scan and other forms of diagnostic imaging.
• Payback Cover: The insurance company offers a form of allowance for the days you spend in the hospital and compensate you within those times hospitalized.

         Getting Your Insurance Cover

A medical insurance cover is quite important and will save you a lot of costs in managing your hospital and medical bills. Otherwise, before subscribing for a medical cover, understand what benefits your agency provides and get to know about the extent to which they are able to cover you and what hospitals are listed in their cover. Bungoma West Hospital patners with the following approved insurance companies:

N.H.I.F,AON,MADISON INSURANCE, JUBILEE INSURANCE, KRA,

KPLC,UAP INSURANCE, CIC, CO-OPERATIVE BANK (CIC),

APA, KCB BANK (APA),RESOLUTION,NZOIA SUGAR COMPANY LTD,

KIBABII UNIVERSITY,MMUST (MASINDE MULIRO UNIVERSITY)