Hospital Cash Cover

Get KES 1,000 sent directly to your phone for every night spent in hospital

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Important: This is not medical insurance. This is a cash benefit paid directly to you for hospital stays.
Only KES 1,050 Per Year

Why Hospital Cash Cover?

Direct to M-Pesa

Money sent straight to your phone

Fast Payout

Receive payment within 14 days after filing a claim.

Reliable Coverage

Up to KES 50,000 maximum benefit per year

What You Get

KES 1,000 per day

For every night you spend admitted in any Ministry of Health accredited hospital in Kenya

Up to 50 days coverage

Maximum benefit of KES 50,000 per year

Instant activation

Coverage starts immediately after payment

How It Works

1

Apply Online

Fill simple form in 5 minutes

2

Pay via M-Pesa

KES 1,050 one-time payment

3

Get Admitted

Coverage active immediately

4

File a Claim

Submit discharge documents and get paid

Frequently Asked Questions

Do I need to go to specific hospitals?

Yes, this cover works at all Ministry of Health accredited facilities across Kenya - both public and private accredited hospitals.

What is the minimum hospital stay required?

To qualify for payment, you must be admitted for a minimum of 2 consecutive nights. For a 2-night stay, you will receive KES 2,000 (KES 1,000 per night). Single-night admissions are not covered under this policy.

When does my coverage start?

There is a 15-day waiting period after payment. Your coverage becomes active 15 days after your payment. Any hospital admissions during this waiting period are not covered.

How do I make a claim?

Download the claim form from our website under the Claims section, complete it, and submit it to us with your discharge summary. As your insurance partner, we will submit the claim to the insurance company on your behalf and guide you through every step until you receive your payment.

What conditions are covered?

Any hospital admission is covered - illness, accidents, maternity, surgery, etc. You get paid regardless of the reason for admission.

How long does the cover last?

Your cover is valid for 1 full year from the date of payment.

Ready to Get Protected?

Join hundreds of Kenyans who sleep better knowing they are covered

Bima Life Insurance Agency Limited

Licensed and Regulated by the Insurance Regulatory Authority