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Group Hospital Cash

Where hospitalization of your employees doesn’t limit your income as a business.

Product Features

There’s no guarantee that you’ll secure all your earnings, but we can protect what you could lose if an illness keeps your employees hospitalized. With a Group Hospital Cash plan, you get up to 30 days of fixed benefits whenever your employees get hospitalised at a National Hospital Insurance Fund (NHIF) accredited hospital.

  • Cover duration: One year basis.
  • Premium Payment: Annually.
  • Up to Kes 600,000 maximum benefit policy per year with 0-day, 1-day, and 2-day exclusions.
  • Age limit: Between 18 and 65 years.
  • Scheme size: A registered group with a minimum of 10 members at the start of the cover.

Product Benefits

Immediate Commencement

Hospitalisation cover starts from the day premium is paid

48-hour payout
Geographical Scope

24Hour, worldwide cover

24-Hour Worldwide Cover

Cover provided to Kenyan citizens or Kenyan residents.

Scheme size

Registered group with a minimum of 10 members at the start of the cover.

Learn more

  • Scope of the cover
    Annual Premium
    Benefit Per-nightMaximum benefit per policy Year0-day Exclusion1-day Exclusion2-day Exclusion

    Maximum benefit on children, parents and parents-in-law is 50% of principle member.

  • Waiting Period
    • Cover will be activated after 30 days of enrolling on the scheme for hospitalisation due to illness.
    • There is no waiting period for hospitalization from accidental causes
  • Days Exclusions
    Days ExclusionsDetails
    0 – day ExclusionThe daily benefit is payable from the first day (date of admission) of being hospitalized up to a maximum of 30 days in a policy year.
    I – day ExclusionThe daily benefit is payable after one day (24 hours) of being hospitalized up to a maximum of 30 days in a policy year.
    2 – day ExclusionThe per-night benefit is payable after two days (48 hours) of being admitted/hospitalized up to a maximum of 30 days in a policy year
  • Terms and Conditions
    • Maximum benefit on children, parents and parents-in-law is 50% of principle member.
    • PolicyTerm: Policy is effective for one year
    • Benefit: The benefit will be payable for a maximum of 30 days (maximum benefit) in the policy year. Once the cover has been exhausted, it can only be renewed at the policy anniversary.
  • Exclusions
    • Depending on the plan type, the first, or the first and second night will not qualify for the hospital cash benefit.
    • Elective surgery including cosmetic surgery. Elective surgery is surgery scheduled in advance because it does not involve a medical emergency
    • Hospitalization due to childbirth.
    • Political unrest, war, riots, military action, terrorist activities, civil uprising or insurrection.
    • Abuse of alcohol and narcotics, inhalation of gas, wilful exposure to radioactivity, self-inflicted injury, attempted suicide (whether sane or insane at the time), wilful consumption of poison or overdose of drug (whether prescribed by a medical practitioner or not).
    • Participation in dangerous sports and recreation activities such as horse riding, mountaineering, hunting, motor racing, powerboat racing or fighting. Any act committed by a policyholder, which constitutes a violation of criminal law.
    • 1 day and 2-day exclusions depending on plan type
  • Underwriting Requirements

    To enable us to provide group cover, the following information and supporting documents are required:

    • Group Profile i.e. registered name, address, business activity and other pertinent details of the proposer.
    • Members to be covered and amounts of cover per member including the following details:
      • Full name of the members covered.
      • Member occupation and residence (town and county).
      • Copy of ID (ID number) of members.
      • Dates of birth for each member.
    • A duly completed proposal form by the proposer.
    • Newly recruited members of the group can join the scheme at any time during the policy cover. An annual premium must be paid at the outset of the cover.
  • Claim Documentation

    In the event of a claim or the possibility of a claim, Prudential should be notified at the earliest and within a reasonable period after such event becomes known to the group.

    • Proof of enrolment (provided by distribution partner).
    • A letter from the proposer signed by an authorized representative(s) reporting hospitalisation or death of member.
    • Duly completed claim form.
    • Certified copy of identity documents (ID/Passport) of the member.
    • Official hospital document (discharge summary) from an NHIF accredited hospital.
    • Official hospital invoice summary.
    • Any other document or reports which Prudential deem important to assess the claim.
    • Bank details of the insured for claims settlement.

    Claims must be reported within 90 days of the occurrence of the event. Contact our customer service team to report a claim and submit documents at the nearest Prudential branch.

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