GDC ShwAARi

GDC ShwAARi is a comprehensive health insurance product with a single limit. It covers inpatient, including maternity, and outpatient services. Additionally, it offers bonus benefits for dental and optical services within each coverage limit.

Eligibility

• Eligible for the primary member and their dependents from birth (provided it is a term baby of 38 weeks) to 100 years.
• Children above 18 but below 24 years will be included in the parent’s cover if they are still in school.
• Members joining the scheme above the age of 65 will not be required to take a Medical examination, but they will be required to declare any pre-existing conditions.

Bonus Benefit: for both Dental and Optical the following limits will apply for each benefit

• GDC ShwAARi, 100K – up to a limit of Ksh. 5,000
• GDC ShwAARi, 250K – up to a limit of Ksh. 5,000
• GDC ShwAARi, 500K – up to a limit of Ksh. 5,000
• GDC ShwAARi, 750K – up to a limit of Ksh. 7,500
• GDC ShwAARi, 1M – up to a limit of Ksh. 10,000

Cover Plans

The cover has five plans; clients can choose depending on their needs and affordability.
[table id=1 /]

Cover Plans

Annual Rates (0 – 65 Years)
b) Annual Rates (Above 65 Years)

[table id=2 /]

[table id=3 /]

Terms & Conditions
Waiting Period
Exclusions
Provider Panel

• The benefits stated above are annual limits and will depend on the plan chosen by the clients.
• For Inpatient treatments, the hospital room type will be a general ward bed (Maximum of 5k).
• No refunds for deletion in groups.
• There will be no pro-ration of premiums. Add-on joining the scheme mid-cover will pay full premiums.
• The geographical limit is Kenya only. Access will be strictly within the designated provider panel.

• There is a ten-month (10-month) waiting period for all Inpatient medical expenses related to pre-existing and/or chronic conditions, non-accident related surgeries, pregnancy and childbirth.
• Outpatient cases relating to pre-existing and/or chronic condition’s will be subject to 3 months waiting periods.
• There is a week waiting period for both illness admissions and visits.
• No waiting periods for groups with members above 15.

The following exclusions will apply:

• Only indicated medical expenses which are as per ethical/practice guidelines of the practice and medical board
• Cosmetic Treatments
• Infertility treatment
• Hearing Aids
• Treatment that is considered experimental/investigative according to accepted professional medical standards

Members will access services from our wide panel of providers comprising of select government, private, mission & faith-based facilities.

Start your journey here