• 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 Number of years remaining to age 65.
  • Entry Age:
    • Minimum age at entry is 18
    • Maximum age at entry is 60
  • Termination age is 65.


  • Helps prevent inability to pay high medical costs.
  • Ushers access to best medical care.
  • Cover is extended to the family.
  • Covered person can claim the daily benefit whilst in hospital.
  • Supplementary income while hospitalized.
  • No Medical underwriting required.


  • Maximum benefit of P2 000 per day.
  • Minimum benefit of P500 per day.
  • Affordable premiums from P210 per month.
  • Benefits paid for a maximum period of 100 days continuously.
  • Benefit is paid for a maximum of 150 days irregular hospital confinement.
  • Death benefit for life assured and spouse - P10 000.
  • "No claim" bonus (at three year intervals) - 10% of total premiums
  • 10% loyalty bonus (cash back) on 5 year premiums every 5 years.
  • Hospitalization benefit increase by 50% if one is in ICU.
  • Double benefit if more than one family member is hospitalised from the same accident.
  • Hospitalization is not limited to Botswana
  • Inbuilt waiver on death.
  • No waiting period for hospitalisation due to accident.


  • 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 months waiting period.
  • 6 months waiting period for the Death benefit.
  • Hospitalisation claim:
    • 4 nights 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 thereat 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 ionizing 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.

Premium Rates & Cover Levels

210 290 305 370 500
305 430 500 615 1 000
420 585 670 885 1 500
510 715 840 1 025 2 000

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