INDIVIDUAL & FAMILYHEALTH INSURANCE

Important Notes:

• *(1) All inpatient hospital bills shall be paid net of any other insurance• *(2) Fibroids, Adenoidectomy, Haemorrhoids shall have a have a waiting period of 24 months • *(3) MRI, CT Scan on pre-authorization• All scheduled admissions must be reported to Jubilee at least 48 hours prior to admission. Members must seek Jubilee authorization before proceeding. • For emergency admissions, the hospital will contact us within 48 hours for authorization• All plans are subject to a 60 days waiting period• Members must present their medical cards in order to obtain treatment on credit at the accredited panel of providers. Each member will also be required to complete and sign a claim form available at the service provider• In case of a medical emergency, members can reach us on the 24 hours emergency lines• A member on travel outside the country will be eligible for emergency medical benefits up to a period of six (6) weeks in any one visit. All medical expenses will be on reimbursement basis and will be customary and acceptable

WWW.JUBILEEINSURANCE.COM

Dar Es SalaamAmani Place, Ohio Street, 4th FloorP.O.Box 20524 Dar Es Salaam, TanzaniaTel: +255 22 2135121 – 4 Fax: +255 22 2135166Email: enquiry@jubileetanzania.com ZanzibarGround Floor, ZSTC BuildingP.O.Box 2344 Zanzibar, TanzaniaTel: +255 28 2239242 Fax: +255 28 2239242Email: jicznz@jubileetanzania.com

ArushaGround Floor, Ngorongoro Wing AICC BuildingP.O.Box 1836 Arusha, TanzaniaTel: +255 27 2050241Fax: +255 27 2507341

MwanzaNyanza Co-operative Union Building, Kenyatta Road,P.O.Box 10456 Mwanza, TanzaniaTel: +255 28 2500822 Fax: +255 28 2500238Email: jicmw@jubileetanzania.com

MbeyaNBC (1997) Building, Ground Floor, Karume AvenueP.O.Box 2182 Mbeya, TanzaniaTel: +255 25 2803172 Fax +255 25 2500299Email: jicmb@jubileetanzania.com

Pain managementDental treatment including teeth extractions, fillings, teeth scaling, etc Optical treatment relating to correction of eyesight e.g. eye glasses, contact lenses, laser eye treatmentIntentional self-injury while sane or insane, suicide or attempted suicide, treatment of acute or chronic alcoholism and drug addiction;Expenses recoverable under any other insurance e.g. NHIF;Treatment required as a result of Noncompliance, Failure or refusal to comply with medical adviceVaccination, or any treatment undertaken or carried out as a preventative measure;Pregnancy, childbirth, maternity benefits, abortion, miscarriage, ante-or-postnatal care, caesarean operation except where purchased subject to twelve months waiting period;Family planning and fertility treatment e.g. costs of treatment related to infertility and impotence, hormonal imbalance, hormone replacement therapy (HRT) including but not limited to all consulta-tions, examinations, evaluations, medications, laboratory, drugs;Contraceptive services and supplies including but not limited to all consultations, examinations, evaluations, medications, laboratory, drugs and complications arising from the use of the sameAny injury, illness or disease specified as an exclusion and complications caused by a condition that is excluded Birth defects, Congenital illness and related complications, conditions and illnesses related to genetic disorders;Psychiatric illness, mental disorders and/or insanity expenses within the first 12 monthsAny claim for expenses occasioned by or through or in consequence, directly or indirectly caused by acts of God (natural causes)Services primarily for weight reduction or Treatment of obesity and slimming preparations or any care which involves weight reduction as a main method of treatment Epidemics or unknown diseasesExperimental treatment and drugs not scientifically recognized or not proven to be effective based on established medical practiceFood supplements or replacements. Costs of treatment for, or related to, Menopause, andropause, ageing, puberty and pre-menstrual tension syndrome Organ transplant within the first 12 months)Treatment of Hemorrhoids, Fibroids, Hernia (except congenital), Adenoidectomy within the first 24 months Any treatment arising from an accident or event because the member or dependant was under the influence of alcohol or drugs, unless prescribed and taken according to the instructions of a medical practitioner Medical expense directly or indirectly resulting from or in connection with any act of terrorism (“declared or undeclared”), regardless of any other cause contributing concurrently or in any other sequence to the medical expenseAll expenses in respect of illnesses/conditions that were subject to waiting periods when the member and dependant joined the schemeTreatment required as a result of Injuries or complications sustained as a result of domestic violence

Exclusions

• Treatment for pre-existing and chronic conditions (within the first 12 months)• Treatment for /AIDS and related ailments (within the first 12 months)• Treatment of Cancer (within the first 24 months) • Sexually transmitted diseases• Menopause, andropause and hormone replacement therapy • Congenital illnesses and related complications, and conditions related to genetic disorders• Cosmetic or plastic surgery unless necessitated by an accidental injury that occurs while the insured is covered under this contract;• Riding or driving in any kind of race• Participation in extreme sports• Beauty treatment or massage;• Naval, military and air force operations;• Stays at sanatoria, old age homes, places of rest etc;• Medical check-up, general health examinations, vaccinations;• Transportation other than a licensed ambulance, as provided for under the in-patient coverage of this contract;• Hearing tests or cost of deaf aids unless resulting from an accidental injury• Nutritional food supplements;• Prophylactic treatment e.g. yellow fever vaccines;

Injury or illness resulting from insurrection or war, civil commotion or an act of terrorism, whether declared or undeclaredInjury as a result of participating in riot, strikeNervous breakdown, general debility and psycheneurosis unless resulting from accidental injuryAlternative treatment such as herbal treatment, acupuncture treatment, pain management, chiropractors etc;Expenses resulting from the insured participating in a hazardous sports and activities.

•

•

•

•

••

•

•

••

•

•

•

•

•

•

•

•

•

••

••

••

•

•

•

•

Local emergency road ambulance which is medically necessary Paid in full Paid in full Paid in full Paid in full

Overall limit per year 80,000,000 50,000,000 30,000,000 15,000,000Bed Limits*(1) Standard Private room Standard Private room General Ward Bed General Ward Bed Upto Tshs 250,000 per day Upto Tshs 250,000 per day Upto Tshs 100,000 per day Upto Tshs 100,000 per dayMain BenefitsInpatient BenefitsPrescription drugs and dressing upon discharge - maximum of 30 days’ supply Paid in full Paid in full Paid in full Paid in fullSurgical appliancesand internal prostheses Paid in full Paid in full Paid in full Paid in fullNursing care Paid in full Paid in full Paid in full Paid in fullPhysiotherapy as partof treatment Paid in full Paid in full Paid in full Paid in fullPhysicians' fees, Specialist feesprocedure fees and anaesthetist fees Customary and ReasonableGynaecological illness and treatment*(2) Paid in full Paid in full Paid in full Paid in fullPre-existing and chronic cover (Year 2) Cancer treatment (Year 3) HIV/AIDS treatment (Year 2)Organ Transplant (Year 2) 5,000,000 5,000,000 4,000,000 3,000,000 Theatre charges, ICU & HDU Paid in full Paid in full Paid in full Paid in fullLodger fee for parent accompanying child below 6 years Paid in full Paid in full Paid in full Paid in fullDay surgery under general anaesthesia or heavy sedation Paid in full Paid in full Paid in full Paid in fullHome nursing Medically necessary subject to approval by Jubilee. Maximum 90 days

J-CARE - JUBILEE MEDICAL INSURANCE J-CARE - JUBILEE MEDICAL INSURANCE

02J-CAREJUBILEE MEDICAL INSURANCE

A little bit about Jubilee

Optional BenefitsOutpatient coverMaternity coverLast expense cover

Enhanced BenefitsWe offer enhanced cover options that cater for the following conditions after the first policy period

• Cover for pre-existing and chronic conditions• Cover for HIV/AIDS and ARV therapy

Who is eligible for the cover?• Adults between the age of 18 years and 60 years. • Children between the age of 3 months and 18 years

NB. Members above 50 years will be required to undergo a medical examination at specific providers before membership and eligibility of cover can be confirmed. Please note that this will be at the applicant’s cost

Maternity CoverThis caters for:

•

• Costs of delivery, and other related ailments and complications including ectopic pregnancies, miscarriage, etc• Caesarean section delivery including professional fees, labour and recovery wards up to Tshs. 1,200,000 under the Royal plan and Tshs.1,000,000 under the Executive Plan

Please note maternity has a 12 months waiting period of continued coverage with Jubilee.

Last Expense BenefitMembers will be required to nominate a beneficiary on the application form. The death notification and death certificate must be presented for the benefit to be paid out.

An Individual and Family Medical Product from Jubilee Insurance – East Africa No. 1 Insurer

In this day and age, with the ever escalating cost of medical services, it is paramount to have a medical insurance in place.

As a wise risk management decision for the protection of family assets and income, J-Care medical cover provides peace of mind and a financial buffer in time of need.

As we say in Jubilee, live free, we the Jubilee team, aim to walk with you ensuring you have the timely help when you need it.

Our productsMain ProductsInpatient cover

Jubilee was incorporated on 3rd August 1937, in a small office in Mombasa and is one of the pioneers in the establishment of a local composite insurance company.

In 1984, and in keeping with our mission of contributing to the economic development of the region, Jubilee took the bold step of converting itself into a listed public company to broaden its ownership base locally, which now consists of over 5,000 shareholders. Today, more than sixty-eight years since inception, Jubilee, with the largest shareholders’ funds is a leading insurance group in East Africa with a solid emphasis on security for policyhold-ers, information technology, committed, knowledgeable and professional staff, and a reputation for superior customer service.

Currently, the Jubilee group is the largest medical insurance underwriter in East Africa.

CORE PLANS ROYAL EXECUTIVE ADVANCED PREMIER

Air evacuation through AMREFmembership at an additional fee Available through Amref / Flying Doctors Membership

Non elective (emergency) treatment outside Tanzania - preauthorizationcompulsory (KENYA, INDIA, Within applicable Within applicable Within applicable Within applicablePAKISTAN & S. AFRICA) limits limits limits limitsAir fare costs for non elective treatment outside Tanzania for thepatient. Also, airfare for an accompanying guardian where patient is below 6 years Economy Class Economy Class Not Applicable Not ApplicablePsychiatric treatment (Year 2) 3,000,000 3,000,000 3,000,000 3,000,000Pathology, Radiology, and other necessary diagnostic tests Paid in full Paid in full Paid in full Paid in fullAccidental related dental treatment Paid in full Paid in full Paid in full Paid in fullAccidental related optical treatment Paid in full Paid in full Paid in full Paid in full

Outpatient stifeneB

Consultation fees (Doctors on panel) Paid in full Paid in full Paid in full Paid in fullPathology, X-rays, MRI, CT scan, and other necessary diagnostic tests *(3) Paid in full Paid in full Paid in full Paid in fullPrescription drugs and dressing up to a maximum of 30 days dosage Paid in full Paid in full Paid in full Paid in fullGynaecological illness and treatment* (2) Paid in full Paid in full Paid in full Paid in fullPre-existing and chronic cover (Year 2) Paid in full Paid in full Paid in full Paid in fullCancer treatment (Year 3) Paid in full Paid in full Paid in full Paid in fullHIV/AIDS treatment (Year 2) Paid in full Paid in full Paid in full Paid in fullPsychiatric treatment (Year 2) Paid in full Paid in full Paid in full Paid in fullPhysiotherapy Upon approval by Jubilee Upon approval by Jubilee Upon approval by Jubilee Upon approval by Jubilee

Maternity Benefits

Normal Delivery 1,200,000 1,000,000 Not Applicable Not ApplicableNormal delivery including all costs below shall not exceed limit Cost of delivery and related complications of pregnancy resulting in admission Professional fees Labour and recovery ward Within applicable limits Within applicable limits Caesarean Section Delivery 1,200,000 1,000,000 Not Applicable Not ApplicableCaesarean section delivery including all other costs above Within applicable Within applicableshall not exceed limit limits limitsCost of delivery and related complications of pregnancy Within applicable Within applicableresulting in admission limits limitsProfessional fees Labour and recovery ward Within applicable limits Within applicable limits

Customary and Reasonable

Customary and Reasonable

Within applicable limits Within applicable limits

1,500,000 1,500,000 1,200,000 800,000Limits

Last Expense 1,800,000 1,800,000 900,000 900,000 Provision of a burial permit and death certificate will allowthe insurer to make payment tothe nominated beneficiary Paid in full Paid in full Paid in full Paid in fullPersonal Accident 8,000,000 8,000,000 8,000,000 8,000,000

Paid in full Paid in full Paid in full Paid in full

CORE PLANS ROYAL EXECUTIVE ADVANCED PREMIER

Accidental deathApplicants above 18 years

Normal delivery including professional fees, labour and recovery wards up to Tshs.1,200,000 under the Royal plan and Tshs.1,000,000 under the Executive Plan