Individual Plan

Our plans are a hybrid component of the low claims account and insured benefit. Member benefits are per membership year, they are effective the date the member/ beneficiary joins the Fund. These benefits are paid up to an annual global limit. 

Micromed Plan

This is a low-cost high benefit plan to augment government and worldwide efforts towards universal health coverage for all. After a general 4 months waiting period members get cover for outpatient consultation, drugs and admission at a Government facilities, Mission Hospitals and Council Hospitals and Clinics. Join Micromed Today! Dial *712# for mobile registration or Apply Now online.

Pearl Plan

This product is a private hospital plan designed for individuals, to provide access to grade A private hospitals around the country. The plan caters for members below the age of 65 at inception. The plan recognises the need by customers to have access to quality healthcare that has been predominantly the preserve of those in the corporate sectors who can come in groups. Apply Now online.

Garnet Plan

This product is a private hospital plan designed for individuals that provides access to grade A private hospitals around the country. The plan caters for the senior citizens in our communities who are above the age of 65 at inception. The plan recognises the need by customers to have access to quality healthcare and the need by individuals in the society who were previously marginalised because of age. Apply Now online.

Value Added Benefits

Over and above the medical cover, members get the following benefits:

  • Low Claims Account Cash Back (Not Applicable to Micromed)
  • Free Funeral Cover
  • Free Life-med Cover
  • 1st Care Wellness Benefits
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General Waiting Periods

  • GP Consultation
  • Prescribed Medication
  • Admission or treatment at a hospital (in-hospital)
  • Dental treatment 
  • Upgrading to a higher plan
  • MRI, CT Scans and nuclear medicine
  • Maternity
  • Homes providing constant nursing care
  • Spectacles or contact lenses
  • Internal prosthetic devices
  • Haemodialysis
  • Chemotherapy
  • Specialist foreign treatment (pre-authorisation required)
  • Orthodontic treatment
  • Ex-gratia drug award
  • Periodontics