Then Saham’s Overseas Medical Cover is for YOU!

With medical costs going up all the time, you certainly can’t afford to compromise your medical cover. Saham has spent considerable time and effort researching on how to deliver a really comprehensive value for money policy. The answer was to partner with a world class organization in India for specialized treatment.

India has been a recognized destination for world class medical treatment. Indeed India has pioneered the concept of cost effective Medical Tourism.

We recognize that many Kenyans are strangers to India. This is why we have partnered with Ms Longfield Management Pvt Ltd. who will monitor and facilitate all hospitality and hospitalization treatment till the time the patient is discharged from the hospital and taken back to Kenya. They are a specialist company who give the best service possible – see www.longfieldmanagement.com for more details on Indian Medical Tourism, available treatments and Longfield’s services.

The Indian High Commission is also able to process visas quickly on production of a suitable referral letter from your Doctor.

Saham is a strong insurer, rated A(-) with a history of providing value for money medical policies. We emphasize customer care and ensure that we are accepted at over 30 medical facilities all over Kenya. We are also regulated by the Insurance Regulatory Authority thus ensuring your consumer rights are protected.

> Hospitalisation Cover up to Kshs. 15 million per annum. Partner hospitals are:

• Wockhardt & MGM Trust Hospitals in Mumbai

• Sant Parmanand Hospital and Metro Hospital in Delhi & NCR (National Capital Territory)

• Ruby Grant Multispeciality Hospital & Ruby Cancer Research Hospital at Pune

• Global Health Medicity in Gurgaon

• Paras Hospitals in Gurgaon

• Other hospitals can be added on request

> Air fare (economy class) to and from India (including visa fees)

> Accommodation PLUS Escort PLUS Logistical expenses whilst being treated in India. During the interim stay patients will be attended and examined in regular interval by our panel of doctors and nurses.

> Post hospitalization treatment upto 1 month of discharge from hospital (including home nursing, provided it is needed to provide medical care and without that patient would have to stay in hospital).

> You do not need to pay in advance – once preapproval is given Saham will take care of all payments relating to the treatment up to the prescribed limits.

> Free health check ups on 3rd claim free renewal.

> Free funeral expense cover of KShs. 100,000/- per person and repatriation of mortal remains.

> In case of any emergency in Kenya, Road and Air Ambulance services from AAR Health Services Ltd. is also covered.

> We will also reimburse on submission of paid receipts and other claim documents, any hospitalization costs incurred in any country in case of any emergency. This facility only covers you for up to six weeks stay abroad.

> Policy is restricted to Kenyan residents only

> A waiting period of 60 days from inception is applicable for any hospitalization except due to accident. This waiting period will be waived on documentary proof of continuity of cover

> Our service provider will make the decision on the need for accompanying person. In the case of a child who is under 18 years of age, one parent may accompany the child as per the merits of the case

> If the cost of the treatment in India is less than the airfare, then the claim for airfare and accommodation will be scaled down to the equivalent of the total in-patient expenses

> Age Limit – 6 months to 65 years

> A pre-acceptance medical checkup at Saham’s cost from our panel of doctors will be required

For all the above benefits you will pay the premiums below as amazingly affordable. However, we can only deliver this value if premiums are paid annually in advance. All premiums quoted below are per annum per member.

Age of Member	6 Months to 30 years*	31 to 50 years	51 to 61 years
Platinum - cover Ksh. 15 Million	64,000/=	72,000/=	82,000/=
Gold - cover Ksh. 10 Million	51,000/=	57,750/=	66,000/=

*Persons under 18 will only be covered as a family member.

Each additional family member added will lead to a cumulative 10% discount for the total premium. For example a member who has added 3 family members will receive a 30% discount on the total premium of 4 members!

We also wish to give additional discounts to corporates, NGOs, learning institutions, government institutions and other employers as follows

Number of Members	Corporate Discounts		Number of Members	Corporate Discounts
1-19	0%		41-60	20%
20-40	10%		61-100	30%

Saham is approved by the IRA and therefore premiums paid by your employer are not taxed as a benefit to you, unlike many other international providers (special rules apply for company directors).

Kindly note we accept Insurance Premium Financing from all Banks as well as Credit Cards.

For other terms and conditions please refer to the policy document.

Please contact Mr Moses Musau (mmusau@Saham.co.ke) or Mrs. Emma Nyandiko (enyandiko@Saham.co.ke) on Tel: 2243681/2 or any of our branches for any further details on this or any of our other medical polices.