Rafiki Health

RafikiHEALTH is a family insurance product that can be taken by a single person (policyholder) or together with spouse and other dependants totalling to four members. The premium rates are annual. Primary Insured (as referred to as Policyholder) should be a member of Rafiki MFI or Chase Bank who should be aged between 18 and 65 years. Spouse (if applicable) should also be within same age bracket. The cover terminates at the age of 75 years.

Children aged 30 days old to 18 years (Age Next Birthday) are allowed at entry. If at renewal they are above 18 year, cover can continue up to when they are 23 years if one is a student. As long as the no of family members are no more than 4, no extra change for a new born or after marriage. The new born or spouse should however be declared. If the policy already has four members, a full premium for the new born should be paid for whatever period of time remaining to expiry if there will be cover.

Medical Cover

You can be covered for both In-patient and Out-patient treatment at any of the appointed hospitals or with any of the appointed doctors.

a) In-Patient Benefits

  • persons in a General Ward Bed
  • Diagnostic Consultantís fees, specialistís, pathologistís and physiotherapistís fees (all on referral by a General Practitioner)
  • Surgeonís, Physicianís, and Anesthetistís fees and charges for use of operating theatres
  • Authorized Registered Private Doctorsí fees
  • Cost of prescribed medication and dressings
  • Laboratory investigations, x-rays, electrocardiograms, encephalograms, audiograms, radiotherapy or chemotherapy
  • First Emergency Caesarian Section
  • Road evacuation services

b) Outpatient Benefits

  • General consultation with general practitioners referred to as specialists
  • Prescribed laboratory tests
  • Drugs/Medicines (generics)
  • Approved x-rays
  • Diagnosis and treatment of common ailments including infections of eyes and mouth
  • Ear, Nose and Throat (ENT) services
  • Management of HIV/AIDS
  • Prescribed Physiotherapy
  • Treatment of Sexually Transmitted Diseases (STDs)
  • Minor dressing
  • Counselling services
  • Ante natal, delivery and post natal care

Package Benefits
†In-patient Kshs 200,000Pre-existing/Chronic illness limited to 50% i.e. Kshs 100,000
Out-patient Kshs 30,000 (Pre-existing/Chronic Inclusive)
Life Kshs 100,000
Last Expense Kshs 20,000
Welfare Kshs 10,000
Permanent Total & Disability Max Kshs 100,000 (Acceleration)
Critical Illness (Continental Scale for dismemberment)30% of Life cover (Acceleration)
Out-patient - COPAY Kshs 100
PREMIUM (M+3) Kshs 11,995
Extra Member Kshs 1,800

Life Cover

You also stand to gain cushioning for your family should something happen to you be it death, disability or a critical illness.

(a) Death Benefit

In the event of death, a Life Benefit of upto Kshs. 100,000/- maybe payable. This amount is also payable if you become permanently and totally disabled such that you cannot continue earning a living.

(b) Accidental Benefit

Should you suffer permanent partial disability due to an accident, you may receive a proportion of the Life Benefit that ranges between 30-75% in accordance with the extent of the disability suffered.

(c) Critical Illness Benefit

As an acceleration to the Death Benefit, you may receive 30% of the Life Benefit if you are diagnosed with a critical illness as per the policy terms and conditions.

(d) Funeral Benefit

In the event of a death within the family (be it yours or one of your dependants) you could receive the sum of upto Kshs. 20,000/- in order to help your family cope financially with the funeral expenses.

Welfare Cover

When you legally marry, we want to share your joy. You may receive a welfare benefit of upto Kshs. 10,000/- to help you and your partner start off your new life together.