Liberty Hospital Cash Back Plan - Individual Option 50-62 years old

Each life assured is covered for 105 days of hospital stay.

This means that each life assured can claim as many times as needed subject to the maximum limit of 105 days.

EXAMPLE

Mr X purchased the Hospital Cash Back Plan with a UShs25 000 a day benefit.

•    He is hospitalised for an appendectomy and was in hospital for 4 days.

•    He will receive UShs100 000 as a benefit amount.

•    The remaining days that Mr X can still claim for is 101 days over the rest of the life of the policy.

•    He later claims for an unrelated hospital stay of 5 days.

•    He will receive UShs125 000 as a benefit amount.

•    The remaining days that Mr X can still claim for is 96 days over the rest of the life of the policy.

If discharged from hospital and re-admitted within 10 days, for a related condition, the claim will continue i.e. the 3 day minimum stay will be waived.

EXAMPLE

Mr K purchased the Hospital Cash Back Plan with a UShs25 000 a day benefit.

•    He is hospitalised after a traffic accident and was in hospital for 10 days with the first 4 days in ICU.

•    He will receive UShs350 000 as a benefit amount.

•    The remaining days that Mr K can still claim for is 95 days over the rest of the life of the policy.

An additional lump sum of 5 times the Daily Benefit Amount is payable if an insured person is still in hospital on day 21 i.e. benefit payable is 26 times daily benefit.

If an insured person is in ICU on day 21, they will receive an additional 10 times the Daily Benefit Amount.

Increase cover

You can increase your cover on every policy anniversary. A new waiting period will apply only on the additional cover.

Out of country cover

You will be covered for stays in hospitals within Uganda and South Africa.

Waiting Periods

•    There is a 15 days waiting period for new born babies.

•    There is a 6 month waiting period before cover will commence for any claims due to natural causes.

•    There is a 9 month waiting period if hospitalisation is due to complications of childbirth, abortion, miscarriage, pregnancy or any other condition arising from this.

When cover starts

Step 1.    Complete application form

Step 2.    Accidental cover starts immediately

Step 3.    Pay first premium

Step 4.    Waiting period starts

Step 5.    At the end of the waiting period, cover for natural events starts

Making a claim

A minimum of 3 days (24 hours a day) continuous stay in hospital is required for a valid claim.

Certain less serious medical conditions require a minimum of 7 days or more continuous stay in hospital (influenza and bronchitis, kidney infections, gastric influenza, gastritis, diarrhoea, headaches and migraines, laryngitis, sinusitis and pharyngitis, fibromyalgia, chronic fatigue syndrome, back injury).

Claim Process

You must go to your broker, agent or sales consultant to lodge the claim.

All valid claims will be paid within 14 days after all the required claim documents as stated in the terms and conditions have been submitted to Liberty. Documents must be submitted after discharge or after day 21 if the insured person is still hospitalised.

More reasons why you should have a   Hospital Cash Back Plan

•    Ensure your family’s well-being is a top priority in the event of hospitalisation by getting cover for you, your spouse and up to 4 children

•    Get up to UShs250 000 for every day you are in hospital for more than 3 days

•    No medicals required when taking this policy

•    Get double pay-out for each day of hospitalisation in Intensive Care Unit (ICU)

•    Multiple claims for up to a maximum of 105 days in hospital for each person covered

•    The Loyalty Reward Benefit allows you to be rewarded every 3 years with a cash back benefit whether you have claimed on the policy or not, subject to the policy being in force and all premiums fully paid.

•    Additional lump sum for hospitalisation longer than 21 days