• This is a solution designed to assist clients with filling income gaps created by long stays in hospital.
  • Minimum term is 5 years.
  • Maximum term is the number of years remaining to age 65.
  • Mentally retarded as well as permanently disabled children who are deemed legal dependents may be covered under this benefit irrespective of their age.

Entry Age:

  • Minimum age at entry is 18
  • Maximum age at entry is 60
  • Termination age is 65.


  • Helps ease the inability to pay high medical costs.
  • Enables access to better medical care.
  • Cover is extended to the immediate family.
  • Covered person can claim the daily benefit whilst in hospital.
  • One can receive supplementary income while hospitalised.
  • No medical underwriting required.


  • Maximum benefit of P2 000 per day.
  • Minimum benefit of P500 per day.
  • Affordable premiums from P65 per month.
  • Benefits paid for a maximum period of 100 days continuously.
  • Benefit is paid for a maximum of 150 days irregular hospital confinement.
  • Covered person receives a "No claim" bonus (at three year intervals) - 10% of total premiums
  • 10% loyalty bonus (cash back) on 5 year premiums every 5 years.
  • Hospitalisation benefit increase by 50% if one is in ICU.
  • Double benefit if more than one family member is hospitalised from the same accident.
  • Hospitalisation is not limited to Botswana
  • Inbuilt waiver on death.
  • No waiting period for hospitalisation due to accident.
  • First aid Kit 6 months after commencement on ACTIVE policies. Clients to be notified via SMS.


  • Satisfactory proof of hospitalisation has to be submitted for claims outside Botswana to be considered.
  • 90 day cooling off period.
  • The policy has a 6 month waiting period.
  • 6 month waiting period for the Death benefit.
  • Hospitalisation claim:
    • 4 night waiting period for illness.
    • After 4 nights, client can claim benefits from the first day.
  • A policy will lapse if it has arrears equivalent to 6 months premium or misses 3 consecutive premiums.


  • Suicide or any attempt threat or any intentionally self-inflicted injury should this occur with 24 months from commencement date.
  • War, invasion, acts of foreign enemy, hostilities, rebellion, revolution, insurrection or military or usurped power, or by ionising radiations or contamination by radioactivity from any nuclear fuel or waste.
  • All procedures which are purely for cosmetic surgery.
  • Intentional contravention of any criminal law, whether legislative or at common-law, by the Insured, or by anyone acting on behalf of the Insured or with the Insured's permission or knowledge or by any person claiming any benefit under the policy.
  • Pregnancy related conditions or confinement within nine months of commencement is excluded.
  • Any illness of injury sustained while the person assured is resident overseas for longer than three consecutive months will be excluded.
  • Any medical condition person assured was aware of during the last 12 months prior to the issue date of the policy.
  • The pre-existing condition known of during the last 12 months prior date of commencement, no benefit will be paid, should this be after 24 months from date of commencement, a benefit will be paid.


Medical underwriting is required

Premium Escalation


The Result of non-payment of Premiums

A policy will lapse if it has arrears equivalent to 6 months premiums or misses 3 consecutive premiums

Note: This document provides a summary of the key features applicable to this product, the full terms and conditions will be contained in the policy document.

Sum Assured

The following benefits are per day the member is hospitalised. Specific pricing for the below benefit options are available on the application form. The relevant multiple will be applied for frequency other than monthly


GOLD 1500