(Nairobi) – Britam has introduced “Malkia,” a comprehensive and affordable health insurance plan aimed at addressing the specific health needs of women in Kenya. This new wellness cover provides both medical and non-medical benefits, with premiums starting at just Sh620 per year, making it accessible to women across a broad range of income levels.
Designed to offer financial support for critical health issues, the Malkia cover includes a cash-back benefit upon the diagnosis of serious illnesses such as cervical, ovarian, and breast cancers. When policyholders are diagnosed with any of these conditions, they receive a lump-sum payment to help with medical bills and living expenses, followed by a second payment when treatment begins, ensuring ongoing financial support.
In addition to cancer coverage, the Malkia policy also addresses dermatological needs by covering treatment for conditions such as acne, eczema, and psoriasis. Under this plan, dermatology benefits include consultation fees, prescribed medications, skin analysis, and necessary cosmetic procedures.
One of the standout features of Malkia is its AI-powered pregnancy support system, providing 24/7 real-time guidance for expectant mothers. This innovative support system offers advice on pregnancy care, mental health assistance, and timely reminders throughout pregnancy, continuing for six months after delivery.
“Female Wellness Cover (Malkia) stands by women through life’s toughest moments, offering peace of mind when it’s needed most. Whether facing a cancer diagnosis, managing skin conditions, or navigating the journey of motherhood, the cover ensures women have the support they deserve,” said Evah Kimani, Acting CEO and Principal Officer at Britam Micro-Insurance.
The policy’s benefits extend beyond health, including a last-expense benefit to assist families with funeral costs in the event of the policyholder’s passing. This feature is intended to alleviate the financial strain on families during difficult times.
| Malkia Cover Details | Coverage Limits by Age Group |
|---|---|
| Premiums (Annually) | Starts at Sh620 |
| Cancer Coverage | Up to Sh500,000 |
| Dermatology Coverage | Up to Sh30,000 |
| Last-Expense Benefit | Up to Sh20,000 |
| Pregnancy Support | AI-powered, 24/7 guidance |
| Age Range for Premiums | Adjusted from 18 to 65 years |
The affordability of Malkia cover allows it to reach a broad spectrum of women, from young adults to senior citizens, with premiums adjusted according to age. For instance, women aged 18 to 30 can access a Sh50,000 cancer cover, Sh15,000 dermatology cover, and a Sh20,000 last-expense benefit for Sh620 annually. Older women have access to expanded benefits, with maximum coverage reaching Sh500,000 for cancer and Sh30,000 for dermatology for those aged 50 to 65.
James Mbithi, Acting CEO of Britam General Insurance, and Liza Maru, Head of Innovation at Britam, highlighted that the Malkia plan is designed to provide holistic support that includes critical illness coverage, dermatological care, and pregnancy assistance. According to Britam, this broad support structure aims to alleviate the financial and emotional burdens women face in managing health concerns.
With Malkia, Britam aims to ensure women have essential health coverage, promoting well-being across various stages of life and offering them and their families greater peace of mind.