Motor Insurance Info
Hospital Cashback Information
| Cover | Premium plan | Basic plan |
| Minimum hospitalisation period | 24 hours | 48 hours |
| Pre-existing condition | Yes | No |
| Maternity | Yes | No |
| Cash benefit whilst still hospitalised | 3 days | 7 days |
PREMIUMS
- Premium Plan
| Daily benefit | Monthly premium | Daily benefit | Monthly premium | |
| Adult | Minor | |||
| Option 1 | 100.00 | 2.10 | 50.00 | 1.35 |
| Option 2 | 200.00 | 4.20 | 100.00 | 2.70 |
- Basic Plan
| Adult | Minor | |||
| Option 1 | 100.00 | 1.45 | 50.00 | 1.00 |
| Option 2 | 200.00 | 3.20 | 100.00 | 2.00 |
Terms
- 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.
Age Limits
- 3 months to 69 years
Waiting periods
- No waiting period for accidents
- 3 months waiting period for all illness;
- 6 months waiting period for surgeries
- 12 months – Pre-existing Conditions
Territorial Limit
- For hospitalization at any registered hospital in Zimbabwe
Claims Process
- The Insured will report the claims to Zimnat Lion with full documentation
- Zimnat Lion will verify claim details & payments and ascertain claim amount;
- Zimnat Lion will pay claim directly to the client;
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
For detailed exclusions, please refer to the Terms and Conditions
HCP Funeral Rider
| Membership Category | Monthly Premium Per Covered Member (USD) | Daily Benefit (USD) | Maximum Benefit per Event (USD) | Maximum Benefit per Year (USD) |
| Adult | 0.79 | 50 | 1,500.00 | 3,000.00 |
| Minor | 0.5 | 25 | 750 | 1,500.00 |
