Smart Hospital Insurance

I get up to 10 USD each night I stay in hospital.

If I register for Smart Hospital Insurance today, I get up to 10 USD each night I stay at hospital. Underwritten by BIMA, the world’s leading provider of mobile-delivered insurance and health services in emerging markets, and exclusively available to me with my Smart subscription.*

What is Smart Hospital Insurance?

Accidents and injuries might happen when I least expect it and going to hospital can cost a lot of money. With Smart Hospital Insurance, I can stop worrying about money and focus on getting better. Smart cover will pay up to 10 USD for every night I stay in the hospital.* *Subject to Terms & Conditions Underwritten by BIMA, the world’s leading provider of mobile-delivered insurance and health services in emerging markets, and exclusively available to Smart customers.

What are the Benefits?

*For a maximum of 20 days per month.
**Subject to a minimum of 2 consecutive nights per visit, and a maximum of 30 days of hospitalisation per year.

How to Register?

How to Make a Claim?

Smart has 2 more insurance services

Terms & Conditions

  1. To subscribe and receive cover, I must be between 18 and 59 years old.
  2. Premium deductions will begin on the first day of the month following registration and cover will begin the month after. E.g. Premium deductions for a customer registered on 15th January will begin on 1st February, and cover will begin on 1st March.
  3. Claims are only valid for hospital stays of two or more consecutive days.
  4. If the full premium amount is not collected in a single month, customers may be eligible for partial insurance cover according to the table below. Unused premium will be rolled over to the following month.
      Example
    Amount Deducted Percentage Cover Deduction Cover (per night stayed at the hospital) Credit Rolled into Following Month
    0 c to 39 c 0% 25 c 0 c 25 c
    40 c to 79 c 25% 62 c 2.50 USD 22 c
    80 c to 1.19 USD 50% 1.10 USD 5 USD 30 c
    1.20 USD to 1.59 USD 75% 1.55 USD 7.5 USD 35 c
  5. Claims must be initiated within 3 months of hospitaliation.
  6. Processing of claims will commence after the following documents are submitted:
    a. Proof of enrolment (insurance confirmation SMS or cover SMS).
    b. Identification document (National ID card, family book, driver’s license or passport).
    c. Evidence of hospitalisation (diagnosis card with clear details of admission and discharge dates; patient’s name, age and sex; admission complaints; investigations carried out; treatment given; doctor’s rubber stamp and signature or payment receipt and the final bill).
  7. Claims will not be paid for hospitalisation due to:
    a. Self-inflicted injury, attempted suicide or treatment obtained due to non-adherence to medical advice;
    b. Treatment obtained for injuries or surgeries due to direct participation in military exercises;
    c. Strikes, riots and civil commotion, political unrest and terrorism;
    d. Drugs or alcohol addiction;
    e. Pre-existing or recurrent conditions;
    f. Complication in pregnancy, childbirth or birth control;
    g. Elective treatment or cosmetic surgery;
    h. Dental treatment or surgery;
    i. Psychiatric or psychological conditions;
    j. Circumcision or vaginal membrane repairs;
    k. Venereal disease or any sexually transmitted disease or sickness.
  8. The policy can be cancelled by calling the BIMA hotline on 010 242 248. Premium deductions will be stopped within 48 hours.
  9. This service is applicable for all Prepaid customers, excluding Traveller SIM.

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