fees (only for doctors on panel list)
x-rays, MRI, CT scan and other necessary diagnostic tests.
drugs and dressing up to a maximum of 30 days Dosage.
illness and treatment.
and chronic cover (Year 2)
treatment (Year 2)
treatment (Year 2)
Upon approval by First Assurance.
All plans are
subject to a 60 days waiting period.
Hernia, tonsillectomy and Haemorrhoids shall have a waiting period of 24
self-injury while sane or insane, suicide or attempted suicide, treatment of
chronic alcoholism and drugs addition.
recoverable under any other insurance e.g. NHIF.
for pre-existing and chronic conditions (with the first 12 months)
for HIV/AIDS and related ailments (within the first 24 months)
illness and conditions related to generic disorders.
or plastic surgery unless necessitated by an accidental injury that occurs
while the insured is covered under this contract.
or driving in any kind of race.
in any extreme sports.
10. Beauty treatment
11. Naval, military
and air force operations.
12. Stays at
sanatoria, old age homes, places of rest etc.
check-up, general health examinations, private vaccinations.
other that a licenced ambulance, as provided for under the in-patient coverage
of this contract.
15. Hearing tests or
cost of deaf aids unless resulting from an accidental injury.
16. Nutrition food
treatment i.e preventive treatment e.g yellow fever vaccines.
18. Family planning
and fertility treatment i.e cost of treatment related
to infertility and impotence.
19. Injury or
illness resulting from insurrection or war, declared, civil commotion or act of
20. Injury as a
result of participating in riot and strike.
breakdown, general debility and psychoneurosis unless resulting from accidental
treatment such as herbal treatment, acupuncture treatment, chiropractors act.
resulting from the insured participating in hazardous sports and activities.
24. No pain
25. Dental treatment
including teeth extractions, fillings, teeth scaling, etc.
treatment relating to correction of eyesight e.g. eye glasses, contact lenses,
laser eye treatments.