AFYAIMARA JUNIOR

INPATIENT MEDICAL COVER

BENEFITS SCHEDULE

Cover benefits payable in full

Hospitalization expenses including surgeon, physician, theatre, ICU & HDU fees. Diagnostics and physiotherapists fees, prescribed drugs, dressings, surgical appliances. Accommodation costs for parent/guardian accompanying child of 6 years and below. TABLE OF BENEFITS - OPTION 1

OVERALL COVER PER CHILD

Bed limits (net of NHIF rebate) Funeral expenses per member (as a separate limit) Newly diagnosed chronic conditions (after one year of claiming to the full limit.) Post-hospitalization treatment related to cause of preauthorization (reimbursement only, limited to the first 3 weeks after discharge.) In patient non-accident related eye treatments excluding surgery for refractive errors and laser treatment (one year waiting period) In patient non-accident related dental surgery/treatment (after six months of cover and subject to written pre-authorization.) Gynecological surgery (one year waiting period) Organ transplantation after two years of cover (cost of donor or securing the organ is excluded) Internal and external surgical implants, appliances, joint replacements and prostheses (excluding dental fixtures) Psychiatry and psychotherapy Non accident related maxillofacial surgery. (Excluding routine dental surgery and dental fixtures)

500,000
General Ward 50,000 150,000 15,000

1,000,000
General Ward 50,000 250,000 20,000

3,000,000
Standard Private 50,000 500,000 20,000

5,000,000
Ensuite 50,000 1,000,000 30,000

75,000

75,000

100,000

100,000

20,000 200,000 250,000 300,000 150,000 150,000

30,000 300,000 300,000 300,000 250,000 200,000

40,000 350,000 500,000 400,000 300,000 300,000

50,000 350,000 500,000 600,000 300,000 300,000

Option 1 Unlimited hospital schedule. Cover limit One Child 2 Children 3 Children 4 Children Extra Child 500,000 18,676 31,300 37,875 38,398 9,600 1,000,000 23,928 40,104 48,527 49,198 12,300 3,000,000 31,533 52,850 63,950 64,834 16,209 5,000,000 35,305 59,171 71,599 72,589 18,147

TABLE OF BENEFITS OPTION 2

OVERALL COVER PER CHILD

Bed limits (net of NHIF rebate)

1,000,000 General Ward 50,000 250,000 20,000 75,000 30,000 300,000 300,000 300,000 250,000 200,000

500,000 General Ward 50,000 150,000 15,000 75,000 20,000 200,000 250,000 300,000 150,000 150,000

100,000
General Ward 50,000 75,000 15,000 75,000 20,000 100,000 100,000 100,000

250,000
General Ward 50,000 150,000 15,000 75,000 20,000 150,000 250,000 250,000

Funeral expenses per member (as a separate limit) Newly diagnosed chronic conditions (after one year of claiming to the full limit.) Post-hospitalization treatment related to cause of pre-authorization (reimbursement only, limited to the first 3 weeks after discharge.) In patient non-accident related eye treatments excluding surgery for refractive errors and laser treatment (one year waiting period) In patient non-accident related dental surgery/treatment (after six months of cover and subject to written pre-authorization.) Gynecological surgery (one year waiting period) Organ transplantation after two years of cover (cost of donor or securing the organ is excluded) Internal and external surgical implants, appliances, joint replacements and prostheses (excluding dental fixtures) Psychiatry and psychotherapy Non accident related maxillofacial surgery. (Excluding routine dental surgery and dental fixtures)

100,000 100,000

250,000 250,000

Option 2 Excludes treatment at the following hospitals:1. Nairobi HospitalKaren Hospital,Mater Hospital, MP Shah Hospital, Gertrudes Garden Children Hospital

Cover limit 100,000 250,000 500,000 1,000,000 One Child 2 Children 3 Children 4 Children Extra Child 12,289 19,311 21,970 23,222 5,805 12,998 20,763 23,356 24,598 6,150 14,464 23,721 27,771 29,738 7,435 18,532 30,392 35,582 38,103 9,526

General Conditions Waiting Periods of 28 days for illness claims and 60 days for surgical claims. A child has to present their UAP medical cards at the hospital admissions desk. Inform the admitting hospital that you are covered by UAP. Eligibility is children from term birth to the age of 18 years. Cover will not continue beyond thenext renewal date following a childs 18th birth day. Admissions by doctors outside the UAP panel is subject to a 20% co-payment.

Benefits are on per person basis. Please add 0.45% for the government levies and Ksh. 40 for the stamp duty. Premium must be settled in full before commencement of cover. For members who would wish to settle the premium in installments, premium financing can be arranged with an approved financial institution with a maximum of 4 installments through postdated cheques on monthly interval (one current cheque, three post dated cheques).

Exclusions Illness claims incurred within the first 28 days of cover. Surgical claims incurred within the first 60 days of cover. Amounts recoverable from other insurances such as NHIF, GPA Expenses where material information is withheld or misstated. Benefits not specified in the brochure and policy. Treatment by any other than a certified medical practitioner. Expenses incurred in connection with active participation in riots, civil unrest etc. Homeopathy, chiropractic treatment, acupuncture, herbal medicine and treatment. Medical costs due to experimental treatment. Professional and hazardous sports activities. Cosmetic Surgery. Infertility. Hospitalization Bills incurred by a member at a non-appointed provider. Alcoholism & conditions related to alcohol intoxication Congenital conditions. Pre-existing conditions and complications thereof. Pre-existing chronic conditions and related conditions. HIV /AIDS and related ailments Reconstructive surgery as a result of pre-existing illness. Speech therapy External surgical appliances Pregnancy and other maternity related expenses. Circumcision Self-inflicted injury Outpatient claims

Schedule of providers. Option 1

NAIROBI NAIROBI NAIROBI NAIROBI NAIROBI NAIROBI NAIROBI NAIROBI NAIROBI NAIROBI NAIROBI NAIROBI NAIROBI NAIROBI NAIROBI NAIROBI NAIROBI NAIROBI Kisumu Kisumu Kisumu Kisumu Busia Bungoma Eldoret Eldoret Eldoret Eldoret Kitale Kitale Kisii Kisii Kisii Webuye Kericho The Aga Khan Hospital Mater Misericordae Hospital Gertrudes Garden Childrens Hospital Nairobi Hospital Karen Hospital Nairobi Equator Hospital Metropolitan Hospital Sinai Hospital Jamaa Hospital St. Francis Community Hospital Kasarani Melchizedek Hospital M. P. Shah Hospital Nairobi West Hospital Ltd Coptic Nursing Home Nairobi Womens Hospital Menelik Hospital Chiromo Lane Medical Centre Lions Sightfirsteye hospital The Aga Khan Hospital St. Lukes Medical Services The Port Florence Community Hospital Acacia Medical Centre. Tanaka Nursing Home Elgonview Cottage Hospital Moi Teaching & Referral Hospital Elgon View Hospital Mediheal Hospital UasinGishu Memorial Mt. Elgon Hospital Cherangany Nursing Home Hema Hospital AgakhanKisii Nyangena Hospital Lugulu Mission Hospital Siloam Hospital Nakuru Nakuru Thika Thika Thika Thika Naivasha Migori Homabay Siaya Lwak Lwak Kakamega Kakamega Kakamega Mumias Kendu bay Luanda Mombasa Mombasa Mombasa Mombasa Mombasa Mombasa Mombasa Mombasa Voi Kilifi Diani Diani Malindi Malindi Lamu Nanyuki Nakuru St Joseph's Hospital St Jude - ICIPE Bama Nursing Home St Elizabeth Lwak Aluor health cantre. St. Elizabeth Hospital Mukumu Central Nursing Home Friends Hospital - Kaimosi St. Mary's Mumias Hospital Kendu Mission Hospital Equator Medical Services Luanda The Aga Khan, Hospital Pandya Hospital Mombasa Hospital Mainland Health C Bomu Medical C Tudor N. Home Jocham Hospital NyaliChidren's Hospital Voi Medical Centre Pwani Medical Centre Palm Beach H Ukunda Medical Centre Tawfiq Hospital Star Hospital Langoni Hospital Nanyuki Cottage Hospital Evans Sunrise Medical Centre Valley Hospital Nakuru War Memorial Hosp Central Memorial Hospital Naidu Hospital Meridian Medical Centre Sher Hospital Mt. Longonot Medical Services Meru Meru Maua Chogoria Chuka Kitui Kakuma Embu Kerugoya Narok Garissa Garissa Dadaab Lokichoggio Mandera Mandera Marsabit Muranga Nyahururu Nyeri Nyeri Nyeri Karatina Kiambu Kiambu Githunguri Kijabe Machakos Machakos Mwingi Athi River Kitengela Kitengela Kibwezi Meru Marie Stopes(Muranga Nursing Home) Nyahururu Private Hospital Outspan Hospital Consolata Hospital Karen Outreach Clinic Jamii Hospital Good Samaritan Medical Centre Aga Khan Hospital Beta Healthcare AIC Kijabe Hospital Shalom Hospital - Dr. Onyango Bishop Urbanus Kioko hospital Mwingi Baraka Nursing Home Athi River N. Home Aga Khan Hospital Meridian Medical Centre Tumaini Hospital Milimani Maternity & Nursing Home Woodlands Hospital Dr. Wangai Consolata Hospital Preciuos Life Health care PCEA Chogoria Hospital St, Lucie's Hospital Jordan Hospital Kakuma Mission Hospital Joykim Nursing Home ACK Mt Kenya Hospital Maasai Nursing Home Islamic Relief Medical services Medina Diagnostics Medina Diagnostics AIC Health Ministries Blue Light Nursing Home Elwak Nursing Home Tumaini Medical Centre

SERVICE PROVIDERS INPATIENT - OPTION 2

As per option 1 but excluding the following Hospitals Nairobi Hospital Karen Hospital Mater Hospital MP Shah Hospital Gertrudes Garden Children Hospital

REGIONAL AND OVERSEAS LIST OF SERVICE PROVIDERS UGANDA International Hospital Kampala St.Raphael Hospital Nsambya Rubaga Hospital Kololo Hospital Mulago Hospital Private wing. Nakasero Hospital Mengo Hospital Case Hospital

SUDAN

International Hospital Juba St.Luke International Medical Centre Da Genesis Health Services Victorious Medical Centre Munuki Maternity Yei Medical Centre Sunset

Ambulance Services

Victorious Medical Centre