Application form | Agents | FAQ

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1. Benefits:
Medical expenses incurred by the insured during the period of insurance within the territorial limit of Ethiopia and resulting from illness or accidental bodily injury sustained by the insured person within the period of insurance up to the maximum sum assured under each Accident or Medical cover.

2. Exclusions:

2.1	Accident or illness prior to the individual becoming an insured person
2.2	Normal or abnormal pregnancy except of cesarean operation.
2.3	Directly or indirectly from attributable to HIV or any related illness including AIDS
2.4	Sterilization abortion, miscarriage or vasectomy or any related family planning expenses.
2.5	Eye testing or cost of eyeglass, hearing aids and dental treatment unless resulting from accident involving physical injury.
2.6	Cosmetic or beauty treatment or surgery.
2.7	Hospital or clinic check up which is not incidental or necessary to diagnosis sickness or accidental bodily injury.
2.8	Expenses incurred in connection with and or incidental to intentional self-injury or resulting from dissipation or drunkenness.
2.9	Any claim in connection with injury or disablement directly or indirectly caused by or contributed to by: Riot, strike, civil commotion
2.10	Civil war, rebellion, revolution, insurrection or military or usurped power
2.11	Any declared or undeclared war or the like invasion act of foreign enemy hostilities or war like operations.

Annual Premium (in USD)	Limits of Benefit (in Birr)
	For Accident	For Illness	Total
230	5,000	5,000	10,000
345	10,000	10,000	20,000
403	15,000	15,000	30,000

The Premium includes Agent's commission