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

1. 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

1. 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