Bima Mkononi Insurance

Customer:

Accessing life and hospitalization 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.

A Health Policy:

Providing customers with a comprehensive health package; an inpatient hospitalization insurance and a lump sum benefit for bone fractures or breaks.

A Life & Disability Policy

Provides financial support to policy holders and their beneficiaries in the event of the death and/or disability of the policy holder.

Subscribers enjoy a single “flat” premium for all applicants 18-69 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:

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 071007 for more information. In future, you can find this under BIMA products in TigoPesa App.

Coverage Plans and Premiums

1 - HOSPITALIZATION AND BONE FRACTURE INSURANCE - Milvik Bima Ya Kulazwa

Up to 12,600,000 TSh cover.

Milvik Bima Ya Kulazwa protects you and your family in case you are admitted to a hospital as an inpatient or at an instance of a bone fracture. The cover also supports on medication and annual health screen.

Price of Insurance: Milvik Bima Ya Kulazwa

Individual	Low	Medium	High
Premium Cost	4,500	6,500	11,000
Hospitalization Cover	1.8m	2.4m	3.0m
Total Number of Nights	30	30	30
Nightly Benefits	60,000	80,000	100,000
Fracture Cover	100,000	200,000	300,000
Medication Support	–	1,000	2,000
Health Screen	–	–	25,000
Total Sum Assured	1.9m	2.6m	3.3m

Joint	Low	Medium	High
Premium Cost	7,000	11,000	17,000
Hospitalization Cover	3m	4m	5m
Total Number of Nights	50	50	50
Nightly Benefits	60,000	80,000	100,000
Fracture Cover	200,000	400,000	600,000
Medication Support	–	1,000	2,000
Health Screen	–	–	25,000
Total Sum Assured	3.2m	4.4m	5.6m

Family	Low	Medium	High
Premium Cost	9,000	17,000	22,000
Hospitalization Cover	4.2m	5.6m	7.0m
Total Number of Nights	70	70	70
Nightly Benefits	60,000	80,000	100,000
Fracture Cover	800,000	1,600,000	2,400,000
Medication Support	–	1,000	2,000
Health Screen	–	–	25,000
Total Sum Assured	5.0m	7.2m	9.4m

Family+	Low	Medium	High
Premium Cost	15,000	20,000	25,000
Hospitalization Cover	5.4m	7.2m	9.0m
Total Number of Nights	90	90	90
Nightly Benefits	60,000	80,000	100,000
Fracture Cover	1,200,000	2,400,000	3,600,000
Medication Support	–	1,000	2,000
Health Screen	–	–	25,000
Total Sum Assured	6.6m	9.6m	12.6m

Individual Life Cover: An individual
Joint Life Cover: An individual and an insured relative
Family Cover: Family nucleus – an individual, a spouse, their children
Family Plus Cover: Extended family – an individual, a spouse, their children, their parents and parents-in-law
Medication support starts after first 3 months of premium payment

Terms & Condition

Commencement date & Waiting Periods

Age

Lives Insured:

Single Life Cover: An Individual
Joint Life Cover: An individual and an Insured relative (Spouse)
Family Cover: Family nucleus – an individual, a spouse and their children
Family Plus Cover: Extended family – an individual, a spouse, their children, their parents and parent-in-laws
There is no limit on the number of children that can be included on family policies

Exclusions:

No Benefit will be payable if the incident causing claim was indirectly caused or accelerated by any of the following events:
War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, mutiny, strike, riot, civil commotion, military rising, insurrection, rebellion, conspiracy, revolution, military or usurped power, martial law, state of siege, any event or because that determine the proclamation or maintenance of martial law or state of siege;
Nuclear, Biological and Chemical Risks and losses;
Suicide or self-inflicted injury
Elective/cosmetic surgery
Alcohol abuse/illegal drug use

Claims:

You will have [3] months from the claims event to notify us of any claim. You will then have a further [3] months to submit all required documentation. If you fail to submit the required documentation to process the claim, the claim will be closed. Payment will be made upon receipt of required documents.
The accepted Identification documents at the point of claims are: Voters ID, National ID card, Driver’s license and Passport, Birth certificate or legal guardianship certificate (for children)
Evidence of Hospitalization
- Discharge summary (up to 5 nights in hospital) OR
- Full medical report (> 5 nights in hospital)
- EFD Receipt or Inpatient/Itemized bill
- Evidence of Fracture/Break
- Doctor’s report/note OR
- Full medical report
- EFD Receipt or Inpatient/Itemized bill

2- LIFE AND DISABILITY INSURANCE - Milvik Bima Ya Maisha

Up to 16,000,000 TSh cover

Bima Mkononi Life and Disability provides you with lump sum benefit in the event of death of insured life for any reason as well as lump sum benefit in the event of total, partial or minor disability for any reason. The lump sum paid on disability cover varies depending on whether total, partial or minor disability

Price of Insurance: Milvik Bima Ya Maisha

Individual	Low	Medium	High
Premium Cost	4,500	6,500	11,000
Life Cover	2,000,000	3,000,000	4,000,000
Disability Cover	2,000,000	3,000,000	4,000,000
No Claims Bonus	10,000	20,000	30,000
Total Sum Assured	4M	6M	8M

Joint	Low	Medium	High
Premium Cost	7,000	11,000	17,000
Life Cover	4,000,000	6,000,000	8,000,000
Disability Cover	4,000,000	6,000,000	8,000,000
No Claims Bonus	10,000	20,000	30,000
Total Sum Assured	8M	12M	16M

Rates:

Starting from 4,500 per month to 17,000. Varies with family size and tier

Sum Assured:

Life Cover – TZS 2M, 3M or 4M depending on tier selected
Disability Cover (depending on tier selected)
Total permanent disability – 100% of disability sum assured (TZS 2M, 3M OR 4M)
Partial permanent disability – 50% of disability sum assured (TZS 1M, 1.5M OR 2M)

Terms & Condition

Commencement date & Waiting Periods

Age

Lives Insured:

Single Life Cover: An Individual
Joint Life Cover: An individual and an Insured relative (parents, parents-in-law, child (18+), spouse and sibling)

Claims:

You will have [6] months from the date of death or from the date the disability showed to notify us of any claim. You will then have a further [3] months to submit all required documentation. If you fail to submit the required documentation to process the claim, the claim will be closed. Payment will be made upon receipt of required documents:

Identification Document:

The accepted Identification documents at the point of claims are: Voters ID, National ID card, Driver’s license and Passport
Evidence of death: Death Certificate. Burial permit may be needed as additional documentation
Evidence of disability: Doctor’s report/note.

Exclusions:

No Benefit will be payable if the incident causing claim was indirectly caused or accelerated by any of the following events:
War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, mutiny, strike, riot, civil commotion, military rising, insurrection, rebellion, conspiracy, revolution, military or usurped power, martial law, state of siege, any event or because that determine the proclamation or maintenance of martial law or state of siege;
Nuclear, Biological and Chemical Risks and losses;
Suicide or self-inflicted injury
Elective/cosmetic surgery
Alcohol abuse/illegal drug use

Find a Tigo Shop

Type in your region to find a Shop

Customer care

Chat

Call

Email

FAQs

Follow us

Bima Mkononi Insurance

Customer:

A Health Policy:

A Life & Disability Policy

How to Enroll:

Coverage Plans and Premiums

1 - HOSPITALIZATION AND BONE FRACTURE INSURANCE - Milvik Bima Ya Kulazwa

Price of Insurance: Milvik Bima Ya Kulazwa

Individual

Joint

Family

Family+

Terms & Condition

Commencement date & Waiting Periods​

Age

Lives Insured:

Exclusions:

Claims:

2- LIFE AND DISABILITY INSURANCE - Milvik Bima Ya Maisha

Price of Insurance: Milvik Bima Ya Maisha

Individual

Joint

Rates:

Sum Assured:

Terms & Condition

Commencement date & Waiting Periods​

Age

Lives Insured:

Claims:

Identification Document:

Exclusions:

Find a Tigo Shop

Pata madili kwenye kikasha chako

Personal

Business

Tigo Pesa

About

Contact

Follow Us

Sorry !

We are currently not selling online. You can visit our stores

Commencement date & Waiting Periods

Commencement date & Waiting Periods

We are currently not selling online. You can
visit our stores