Medical Insurance

Under Clarkson's Medical covers, you enjoy benefits such as:-

• Customized medical covers from a selection of underwriters to suit client's needs.
• Administration of flexible Self-Funded Medical Schemes.
• Confidential maintenance of Scheme Records and Member data.
• Access to a countrywide panel of Service Providers
• Medical Photo Cards for easy identification at the point of service.
• Facilitation of admissions / discharges from hospitals.
• Case Management.
• 24 Hr. Help lines.
• Benefit Utilization Reports.
• Free Health Talks / Member Education.
• Discounted rates from Service Providers accruing from large business volumes.
• Claims administration anchored on a most reliable Medical System
• Peace of mind and medical services 24 hrs a day 7 seven days a week anywhere anytime

Medical Products available at Clarkson Insured Schemes These are offered by Insurance Companies and Medical Insurance Providers and they are sourced and Serviced by Clarkson Self-Funded Schemes These are managed by:

• Insurance Companies
• Medical Insurance Providers
• Fund Administrators (Clarkson)

Hybrid Schemes Normally described as the best of both worlds where the In Patient is Insured and Out Patient is Self-Funded. This is the most popular product with private and NGOs due to its flexibility in terms of benefits and scheme rules. Individual / Family Products

1. These products are offered by Insurance Companies and HMOs (Health Maintenance Organizations)
2. Sourced and serviced by Clarkson

Benefits available under the above schemes

• In Patient Cover
• Out Patient Cover
• Dental Cover
• Optical Cover
• Maternity Cover
• Last Expense Cover
• Emergency Treatment Cover
• Excess of Loss Covers
• Travel Insurance

Scope of Our Covers: At Clarkson, all covers are arranged on a Super Enhanced Basis and Credit Facilities are set up on behalf of our clients. What does the term SUPER ENHANCED mean? It simply means tailor made medical covers by Clarkson to include the following:

• HIV / Aids related illnesses
• Chronic Conditions
• Pre-Existing Conditions
• Congenital Defects
• Vaccinations
• Pre-mature babies
• Annual Medical Check-Ups
• Covid-19 Related Conditions

It is critical to note that all covers are issued subject to policy terms and conditions.