HOSPITAL CASH BACK PLAN 

Our policy provides cover to deal with the financial consequences of hospital confinement as a result of illness or accident by giving a fixed cash benefit for each day of hospitalization irrespective of the actual medical cost incurred by the insured person.

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BASIC PLAN

OPTION 1

$1.45
per month for ADULTS
you get $100 payout per day

  • $1.00
    per month for kids with a pay out of $50 per day
  • 48 HOURS  minimum hospitalization
  • 7 DAYS  cash benefit whilst hospitalized
  • NO  pre-existing condition
  • NO maternity cover

BASIC PLAN

OPTION 2

$3.20
per month for ADULTS
you get $200 payout per day

  • $2.00
    per month for kids with a pay out of $100 per day
  • 48 HOURS  minimum hospitalization
  • 7 DAYS  cash benefit whilst hospitalized
  • NO  pre-existing condition
  • NO maternity cover

premium PLAN

OPTION 1

$2.10
per month for ADULTS
you get $100 payout per day

  • $1.35
    per month for kids with a pay out of $50 per day
  • 24 HOURS  minimum hospitalization
  • 3 DAYS  cash benefit whilst hospitalized
  • COVERED  after 12 months waiting period
  • MATERNITY minimum hosptitalisation 4 days

premium PLAN

OPTION 2

$4.20
per month for ADULTS
you get $200 payout per day

  • $2.70
    per month for kids with a pay out of $50 per day
  • 24 HOURS  minimum hospitalization
  • 3 DAYS  cash benefit whilst hospitalized
  • COVERED  after 12 months waiting period
  • MATERNITY minimum hosptitalisation 4 days

terms and conditions

CONDITIONS

For hospitalization within 14 days of discharge, admission will be treated as if it were part of the
original claim
The maximum amount payable under this policy in respect of an insured person is up to 30 days of
hospitalization per event and 60 days per annum. 

Waiting periods 

 No waiting period for accidents
 3 months waiting period for all illness;
 6 months waiting period for surgeries
 9 months waiting period for maternity
 12 months - Pre-existing Co

Age Limits  

 3 months to 69 years

Territorial Limit

 For hospitalization at any registered hospital in Zimbabwe

Claims Process

 The Insured will report the claims to MicroCare with full documentation
 MicroCare will verify claim details & payments and ascertain claim amount;
 MicroCare will pay claim directly to the cl

Claims Process

Claim Requirements/Documentation
 Completed claim form;
 Hospital admission and discharge forms(stamped by the hospital and containing dates and times of
admission and discharge); or
 Medical report/Affidavit.

Claims Turnaround Time

 72 hours from receipt of full documentation 

Exclusions

 Illegal Acts
 War and Active Service
 Hospitalization as a result of surgeries of a cosmetic nature
 Any congenital abnormality
 Attempted suicide, wilful exposure to danger
 Hazardous activities