Personal Insurance - Bima Mkononi | Tigo Tanzania
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 Personal Insurance - Bima Mkononi

Bima Mkononi - Personal Insurance for Tigo Customers

Accessing life, hospitalization and personal accident insurance has never been easier. Bima Mkononi enables Tigo customers to quickly and easily enroll in the insurance coverage of their choice, right from their mobile phone. Subscribers enjoy a single “flat” premium for all applicants 18-65 years old. Enrollment is paperless, takes only a few minutes, and subscribers can pay with Tigo Pesa or with cash at any Tigo customer service center.


How to Enroll

  1. Choose your insurance type, premium and coverage duration from the table below
  2. Dial *148*15# and follow the simple instructions

Call today our toll free customer care 0659 071 001 for more information, assistance & claims


Coverage Plans and Premiums

1- HOSPITALIZATION INSURANCE

Up to 2,200,000 TSh cover

Bima Mkononi Hospital protects you and up to 5 of your children in case you are admitted to a hospital as an inpatient, paying you 40,000 TSh per night per individual admitted, up to a maximum of 55 nights in any calendar year and/or 2,200,000 Tshs.

Price of Insurance:

Item price Cover Level
1 adult alone TSh 1,500 30 nights, 1,200,000 TSh
1 adult + 1 child TSh 2,250 35 nights, 1,400,000 TSh
1 adult + 2 children TSh 3,000 40 nights, 1,600,000 TSh
1 adult + 3 children TSh 3,750 45 nights, 1,800,000 TSh
1 adult + 4 children TSh 4,500 50 nights, 2,000,000 TSh
1 adult + 5 children TSh 5,250 55 nights, 2,200,000 TSh

Terms & Conditions:

  • Commencement date: 30 days after registration.
  • Eligible age adult: 18 - 64 years-old.
  • Eligible age children: 1 - 17 years-old.
  • 6 month waiting period for pre-existing and chronic conditions.
  • 9 month waiting period for maternity.

Claims:

  • Be admitted to any hospital that offers inpatient service across Tanzania for a minimum of 1 night and pay the hospital bill.
  • Report a claim within 120 days of your admission to the hospital.
  • Payment on your Tigo Pesa will be made within 3 working days, upon receiving the following documents: ID, discharge summary*, birth certificate of the child admitted, or barua ya Serikali ya mtaa if the child is not biological.

*additional inpatient details and itemised receipt required for stays > 5 nights

Exclusions:

Self-inflicted injury, suicide, direct participation in war, abuse of alcohol or illegal narcotics, elective treatment.


2- ACCIDENT INSURANCE

Up to 3,000,000 TSh cover

Bima Mkononi Accident protects you against death, permanent disability and hospitalisation arising from an accident. If you pass away, your beneficiary will receive 3,000,000 TSh. In case of permanent disability, the benefit payable will depend on the level of disability. If you are hospitalised, you will receive 30,000 TSh per night spent in hospital.

Price of Insurance:

1,000 TSh per Month

Terms & Conditions:

  • Commencement date: 1 day after registration.
  • Eligible age: 18 - 65 years-old.

Claims:

  • Payment on your Tigo Pesa will be made within 3 working days, upon receiving the following documents: ID, Death Certificate or medical certificate for cause of disability. In case of hospitalisation: discharge summary, ID, receipt.

Exclusions:

  • Self-inflicted injury, suicide, direct participation in war, abuse of alcohol or illegal narcotics.
  • Pre-existing conditions.
  • Elective treatment.
  • Treatment arising out of the defined events (i.e.: not due to the accident).

3- LIFE INSURANCE

Up to 1,000,000 TSh cover

Bima Mkononi Life covers you and a beneficiary of your choice. If you were to pass away, your beneficiary will receive 1,000,000 Tshs and if your beneficiary were to pass away, you will receive 500,000 Tshs.

Price of Insurance:

1,500 TSh per Month

Terms & Conditions:

  • Commencement date: 30 days after registration.
  • Eligible age: 18 - 69 years-old.

Claims:

  • Report a claim within 90 days of death of the insured.
  • Payment on your Tigo Pesa will be made within 3 working days, upon receiving the following documents: ID and Death Certificate or Medical Certificate for cause of death OR burial permit.

Exclusions:

  • Self-inflicted injury, suicide, direct participation in war, abuse of alcohol or illegal narcotics

 

Frequently Asked Questions:

  How do I join this service?

You can join the service through dialing *148*15# or through a visit at any Tigo Shop for assistance. Also, you can call our toll-free number 0659 071001 for more information.

  Which hospitals can I go to / accept the insurance cover?

You can get treated and visit any hospital in Tanzania that is allowed to admit patients overnight. After admission, you are to submit claims with required supporting documents. Note: This covers only for in-patient treatment and claims aren’t paid for out-patient cases.

  What about an insurance card/ Do you provide an insurance card?

You don’t need an insurance card for this service. Instead, your mobile number is the identifier of the service and membership. Hence, when submitting claims documents, it’s important to provide the registered mobile number, as payments are made electronically to the number.

  Why only In-patient treatment?

Our product aims to serve as an income replacement, for the time that one isn’t capable to pursue their economic or income generating activities due to being hospitalized. That is why the key focus to address and target in-patient treatment.

  Types of Insurance offered

We have 3 types of insurance

  1. Personal Accident – Covers partial or total disability or death as a result of an accident
  2. Life Insurance – Protects you and your beneficiary, incase one of you is subjected to death.
  3. Hospitalization – Protects you when hospitalized, by provision of a portion in claims.
  Waiting Period

Once registered and confirmed with payments, your waiting period is a below per product:

Life Insurance – 30 days

Personal Accident – 1 Day

Hospitalization – 30 days upon registering and payment. However, for pre-existing conditions or chronic illness before the insurance cover the waiting period is 6 Months. For maternity, the waiting period is 9 Months.

  What benefit will I get in case I haven’t been sick or admitted in a year?

Bima Mkononi hospitalization is meant to provide claims based on one being admitted for in-patient treatment. In case you’re not admitted in the entire period of cover, there is no claim to be paid. It’s meant to provide security incase one is hospitalized, suffers partial or total disability or loss of life.

  How many people does it cover?

Personal Accident and Life insurance are single-owned products, however, someone else can be a beneficiary to the same cover owned by the principal person. Hospitalization insurance can cover up to 5 children between the ages of 1 and 17 as an addition to the adults cover.

Terms & Condition:

  • Commencement date: 30 days after registration.
  • Eligible age adult: 18 - 64 years-old.
  • Eligible age children: 1 - 17 years-old.
  • 6 month waiting period for pre-existing and chronic conditions.
  • 9 month waiting period for maternity.

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