What is Hospital Cash?
Hospital Cash is a simple insurance cover that pays you a fixed amount of money on the third day you are admitted in hospital regardless of actual medical expenses incurred . You can use the money however you wish whether for medical bills, transport, or everyday expenses.
Premium Options & Benefits
Option Sum Assured Daily Payout Premium (Main Member) Additional Premium (Dependents)
| Cover Options | |||||
|---|---|---|---|---|---|
| Options | 1 | 2 | 3 | 4 | 5 |
| Sum Assured limit per year | 30,000 | 50,000 | 100,000 | 150,000 | 250,000 |
| Amount of Daily payout | 500 | 1,000 | 2,000 | 3,000 | 5,000 |
| Premium for Principal member | 400 | 550 | 1,300 | 1,800 | 3,200 |
| Additional premium for dependents | 200 | 300 | 500 | 850 | 1200 |
| Daily payouts are capped to a maximum of 20 days on any one admission and subject to the maximum | |||||
Fixed daily cash payout form the 3rd day of hospitalization.
Not dependent on the illness or injury – payable regardless of the admitting condition.
Covers both planned and emergency hospital admissions.
Payments made for up to 20 days per admission.
Flexible use of funds (not restricted to hospital bills).
Affordable premiums.
Option to include dependents under the cover.
It gives you financial support when you need it most—during hospitalization—so you can focus on recovery without worrying about everyday expenses.
It is policy that offers a fixed benefit amount paid to you for each night you are hospitalized, rather than direct payment to the hospital for bills.
Adult aged between 18–75 years can join, with options to add nuclear family members (spouse and children).
Yes, from 3 months to 18 years, extendable to 25 years if they are students.
The policy covers a 12-month period from the date of full payment.
Yes, there is a waiting period of 15 days.
Benefits are not paid in the event it is known that the insured was actively engagement in criminal activities or actively participated in war & civil/ political riots.
The benefit is payable upon hospitalisation or admission for three (3) or more consecutive nights at a Ministry of Health admissions accredited hospital.
This will depend on the option you select and how many beneficiaries you add. Annual premiums start as low as Kes. 400.
You unlock your benefit from night 3 of admission and your compensation will depend on the option you select.
Unfortunately, the benefit is not payable, because you must be admitted for a minimum of 3 nights.
Nights 1 and 2 are not payable.
Within 7days upon discharge from hospital, duly fill in the claim form and ensure to notify immediately KCB Bancassurance Intermediary on [email protected] or your relationship officer and attach the
necessary claim documents (Hospital discharge letter, itemized invoice and any supporting documentation).
