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Medical Insurance for the over 60yrs in age
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redi
#41 Posted : Thursday, March 27, 2014 3:45:04 PM
Rank: Member


Joined: 1/24/2008
Posts: 46
Location: Embu
Its very expensive to procure a medical cover for those over 55 years. My advice......do the following;
1. enroll them with NHIF
2. set aside at least KSH300,000 for a rainy day(in case of admission)
3.ensure they go for annual medical check ups...so as to arrest/diagnose medical problems early
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McReggae
#42 Posted : Thursday, March 27, 2014 3:53:09 PM
Rank: Elder


Joined: 6/17/2008
Posts: 23,365
Location: Nairobi
Ms Mkenya wrote:
washiku wrote:
I have been trying to get info about this NHIF thing but nobody seems to have convincing/concrete info. Does it cover all forms of payments? Is it only on public hospitals? ANybody using it?


NHIF is a basic social scheme for in patient cover only. It covers almost all ailments but up to limits. For example, in each hospital there is a limit, a rebate they pay per day. it ranges between 800-2,500.
You can get more information from their website http://nhif.or.ke/healthinsurance/[


I think the cover the cover in garment hospitals is comprehensive!!!
..."Wewe ni mtu mdogo sana....na mwenye amekuandika pia ni mtu mdogo sana!".
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Buster
#43 Posted : Friday, March 28, 2014 10:04:12 PM
Rank: Veteran


Joined: 5/17/2007
Posts: 1,345
McReggae wrote:
Ms Mkenya wrote:
washiku wrote:
I have been trying to get info about this NHIF thing but nobody seems to have convincing/concrete info. Does it cover all forms of payments? Is it only on public hospitals? ANybody using it?


NHIF is a basic social scheme for in patient cover only. It covers almost all ailments but up to limits. For example, in each hospital there is a limit, a rebate they pay per day. it ranges between 800-2,500.
You can get more information from their website http://nhif.or.ke/healthinsurance/[


I think the cover the cover in garment hospitals is comprehensive!!!

True. NHIF COVERS EVERYTHING IN GOK hospitals as long as you are upto date in your subscription. They pay bed only in private hospitals.
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mypesa
#44 Posted : Tuesday, July 29, 2014 10:49:03 PM
Rank: Member


Joined: 8/14/2007
Posts: 111
Medical Cover For >70yr Olds

Wazuans Advice ,
Am interested in putting my parents on a medical Cover .Is there an insurance from that covers pple above those ages . Which one covers highest Age bracket and what are the exact figures
Asanteni
Even In The Most Severe Drought In The Jungle Lions Will Never Feed On Grass.
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wazua
#45 Posted : Wednesday, July 30, 2014 7:32:59 PM
Rank: Administration


Joined: 11/19/2009
Posts: 679
mypesa wrote:
Medical Cover For >70yr Olds

Wazuans Advice ,
Am interested in putting my parents on a medical Cover .Is there an insurance from that covers pple above those ages . Which one covers highest Age bracket and what are the exact figures
Asanteni

...topics merged...
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benjackie
#46 Posted : Thursday, July 31, 2014 3:49:46 PM
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Joined: 4/12/2011
Posts: 72
Location: kenya
linda jamii is the best...only 12k per year
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butterflyke
#47 Posted : Thursday, July 31, 2014 6:09:14 PM
Rank: Elder


Joined: 5/1/2010
Posts: 3,024
Location: Hapa
benjackie wrote:
linda jamii is the best...only 12k per year


for which age bracket?
Float like a butterfly, sting like a bee. - Muhammad Ali🐝
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taka jua
#48 Posted : Friday, August 01, 2014 8:26:47 AM
Rank: New-farer


Joined: 7/23/2012
Posts: 32
butterflyke wrote:
benjackie wrote:
linda jamii is the best...only 12k per year


for which age bracket?



Got this from their website

'The maximum entry age for this policy for both principal and spouse is 75 years.'
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Pastor M
#49 Posted : Friday, August 01, 2014 8:35:04 AM
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Joined: 8/18/2009
Posts: 303
Linda jamii is the Best....I have insured my parents who are 60+ the beuty of Linda Jamii you can use in like all missionary hospitals.
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butterflyke
#50 Posted : Friday, August 01, 2014 8:48:32 AM
Rank: Elder


Joined: 5/1/2010
Posts: 3,024
Location: Hapa
Pastor M wrote:
Linda jamii is the Best....I have insured my parents who are 60+ the beuty of Linda Jamii you can use in like all missionary hospitals.


@Pastor M, approximately how much will cost you per person per annually?
Float like a butterfly, sting like a bee. - Muhammad Ali🐝
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maka
#51 Posted : Friday, August 01, 2014 2:01:14 PM
Rank: Elder


Joined: 4/22/2010
Posts: 11,522
Location: Nairobi
redi wrote:
Its very expensive to procure a medical cover for those over 55 years. My advice......do the following;
1. enroll them with NHIF
2. set aside at least KSH300,000 for a rainy day(in case of admission)
3.ensure they go for annual medical check ups...so as to arrest/diagnose medical problems early

To your figure of 300,000 add another 0...The medical fees am seeing people pay 300,000 will be a drop in the ocean.
possunt quia posse videntur
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somanavideo
#52 Posted : Thursday, August 30, 2018 9:24:48 AM
Rank: Hello


Joined: 7/4/2012
Posts: 7
The Kenya Association of Retired Officers has negotiated a medical scheme with NHIF for its members. It's quite generous and is basically the current civil service scheme with higher ANNUAL premiums. It also covers dependents. It's a game changer if you have elderly persons that qualify for membership and will blow these private insurance schemes with their preconditions, sub-limits, approved panels and such shenanigans out of the water.

Membership is open to former/retired:
(i) Civil servants.
(ii) Teachers.
(iii) Constitutional Commissions.
(iv) Independent office holders and staff.
(v) State corporations/ parastatals.
(vi) KDF/ discipline forces /NYS/ KWS etc.
(vii) Local authority employees.
(viii) County governments.
(ix) Public universities, CUE etc.
(x) Judiciary, National Assembly.

Registration requirements.
i)Letter of retirement/ proof of service.
ii) Dully filled membership application form.
iii) Ksh. 1000 registration fee.

You can check out the details from their quite basic website here.
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Chaka
#53 Posted : Thursday, August 30, 2018 9:56:15 AM
Rank: Elder


Joined: 2/16/2007
Posts: 2,114
Is the treasurer that man who works at the house on the hill?Are the applicable premiums shown on the website as I cannot see them?
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somanavideo
#54 Posted : Thursday, August 30, 2018 10:04:04 AM
Rank: Hello


Joined: 7/4/2012
Posts: 7
Chaka wrote:
Is the treasurer that man who works at the house on the hill?Are the applicable premiums shown on the website as I cannot see them?


Maybe he is the same one we all know.

Hiyo website wacha tu, here's a direct link to the document.
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tony stark
#55 Posted : Thursday, August 30, 2018 4:14:14 PM
Rank: Veteran


Joined: 7/8/2008
Posts: 947
As @Somanvideo has said the NHIF package for retired civil servants is quite good. If they are eligible as retitred civil servants this should b option 1.
If not, option 2 should be Supa cover by NHIF cover for the folks. It's 6K per year... 500 per month. NHIF super cover is eligible in many places both private and public and will reduce your bill significantly. It wont eliminate your cost in private hospitals but it makes it very manageable. You also get 1 ct scan per year. Things like dialysis are covered as outpatients. It's a good deal!
Option 3
If you have a company or business put the folks on a minimum salo and provide their health insurance through your company. It's a lot easier getting them covered through a group life cover.

All the private insurances and their rules and restrictions will have a 2 year restriction on preexisting disease and then will refuse to cover. Who over 70 doesn't have a preexisting disease? Nonsense!
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Chaka
#56 Posted : Thursday, August 30, 2018 4:46:02 PM
Rank: Elder


Joined: 2/16/2007
Posts: 2,114
The annual premiums would be on top of the 500/- p.m i,e like the 65,153/- that would additional 5,429 p.m?
Does a company require a minimum number of employees?
Once someone signs up,would they start enjoying the cover immediately?


tony stark wrote:
As @Somanvideo has said the NHIF package for retired civil servants is quite good. If they are eligible as retitred civil servants this should b option 1.
If not, option 2 should be Supa cover by NHIF cover for the folks. It's 6K per year... 500 per month. NHIF super cover is eligible in many places both private and public and will reduce your bill significantly. It wont eliminate your cost in private hospitals but it makes it very manageable. You also get 1 ct scan per year. Things like dialysis are covered as outpatients. It's a good deal!
Option 3
If you have a company or business put the folks on a minimum salo and provide their health insurance through your company. It's a lot easier getting them covered through a group life cover.

All the private insurances and their rules and restrictions will have a 2 year restriction on preexisting disease and then will refuse to cover. Who over 70 doesn't have a preexisting disease? Nonsense!
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tony stark
#57 Posted : Thursday, August 30, 2018 6:02:48 PM
Rank: Veteran


Joined: 7/8/2008
Posts: 947
Chaka wrote:
The annual premiums would be on top of the 500/- p.m i,e like the 65,153/- that would additional 5,429 p.m?
Does a company require a minimum number of employees?
Once someone signs up,would they start enjoying the cover immediately?


tony stark wrote:
As @Somanvideo has said the NHIF package for retired civil servants is quite good. If they are eligible as retitred civil servants this should b option 1.
If not, option 2 should be Supa cover by NHIF cover for the folks. It's 6K per year... 500 per month. NHIF super cover is eligible in many places both private and public and will reduce your bill significantly. It wont eliminate your cost in private hospitals but it makes it very manageable. You also get 1 ct scan per year. Things like dialysis are covered as outpatients. It's a good deal!
Option 3
If you have a company or business put the folks on a minimum salo and provide their health insurance through your company. It's a lot easier getting them covered through a group life cover.

All the private insurances and their rules and restrictions will have a 2 year restriction on preexisting disease and then will refuse to cover. Who over 70 doesn't have a preexisting disease? Nonsense!


If you get covered by a company in a group cover you are immediately covered... including pregnancies.
The annual premiums negotiated by the company is what applies but are significantly higher than the NHIF 500 per month.
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