This is a need-based policy made available for a window of time particularly, in response to the protection gap that was identified due to the COVID situation. This policy is intended to provide a coping mechanism to the financial distress / strain that one might be facing when infected with COVID and then hospitalised
100,000kshs. lumpsum payment on diagnosis & hospitalization
Age bracket: 1 - 70 years
Waiting period - 16 days
Frequently Asked Question about COVID-19 Benefit Cover
The Insurance Policy provides Coverage for a person on diagnosis and hospitalization with COVID-19 for atleast 24 hours.
No payment under this policy shall be made if the insured person travels outside Kenya during the currency of the policy or has travel history 60 days before inception.
The cover does not cover any Illness, sickness or disease other than COVID-19. People with pre-existing respiratory conditions are excluded from cover hence they should not purchase this product
• Claim Form duly completed and signed
• Diagnostic test confirming COVID 19 from a
Government authorized centre.
• Copy of ID Card and passport
• Admission
You may at any time cancel your policy and, in such event, we shall allow refund after retaining premium at GA Insurance's short Period rate only (table given below) provided no claim has occurred up to the date of cancellation.
| Period on risk | Rate of premium to be retained |
|---|---|
| Up to 3 months | 50% of the policy premium plus KES 500 |
| Up to 5 Months | 75% of the policy premium plus KES 500 |
| 6 months and above | 100% of policy premium |
This is a simple and straight forward benefit cover. For KES 3,000 premium we will pay a lumpsum of KES 100,000 provided the terms and conditions are met.
Waiting period is normal in this kind of product and it also allow vetting of genuine cases.
This is a benefit policy to assist those of us who have been adversely affected. This is why a positive test and hospitalisation of at least 24 hours is required for the policy to pay.
No, it does not. Hospitalisation of at least 24 hours is a must for the policy to pay.
The insured does not have to wait till they are discharged for them to claim. As long as they can submit the relevant documentation as stated earlier, they can claim and the benefit can even be paid to their M-Pesa account.
No, they cannot as the policy requires that they had to be hospitalised for at least 24 hours for the claim to be payable
Upon payment of a claim the policy ceases
Policy can be cancelled on grounds of misrepresentation, fraud, moral hazard, nondisclosure of material fact as declared in proposal form/at the time of claim, or non-cooperation by the insured person, by sending the insured 30 days’ notice without refund of premium
No. The GA COVID-19 benefit cover is not a medical cover but a benefit policy which is meant to cushion one if they contract COVID-19 and are hospitalized for at least 24 hours. The 100,000 lumpsum payment is made to the client and not the hospital, irrespective of the cost they incurred while in the hospital.