Computation Guidelines and Details Related to Unashig's Health Insurance Rates for Year 2023-2024

The computations provided below are intended to highlight health insurance options and associated premium rates recently availed to our group by Old Mutual, for the one-year period running from mid-September 2023 to mid-September 2024. 

[The full spreadsheet is available here:  UNASHIG ~ Group Health Insurance Rates for 2023 - 2023] 

The itemized benefits and premium rates should be helpful to all concerned, particularly when determining or ascertaining the correct premium amount to remit for your preferred Group Insurance benefits: 

A. INPATIENT ONLY RATES

A1. CATEGORY A: KES10M INPATIENT-ONLY INSURANCE PREMIUMS FOR SPECIFIED NUMBERS OF FAMILY MEMBERS TO BE INSURED: 

(1) M+0 (or Single Member Cover): Premium+(0.45% as TL/PHPF) = KES254,900+1147.05 = KES256,047.05.  (2) M+1: KES384,700+1,731.15 = KES386,431.15.  (3)  M+2: KES 495,738+2,230.82 = 497,968.82.  

A2. CATEGORY B: KES5M INPATIENT-ONLY INSURANCE PREMIUMS FOR SPECIFIED NUMBERS OF FAMILY MEMBERS TO BE INSURED: 

(1) M+0 (or Single Member Cover): Premium+(0.45% as TL/PHPF) = KES223,625+1006.313 = KES224,631.31.  (2) M+1: KES343,000+1,731.15 = KES344,731.15.  (3)  M+2: KES 449,870+2,024.42 = 451,894.42.   

A3. CATEGORY C: KES3M INPATIENT-ONLY INSURANCE PREMIUMS FOR SPECIFIED NUMBERS OF FAMILY MEMBERS TO BE INSURED: 

(1) M+0 (or Single Member Cover): Premium+(0.45% as TL/PHPF) = KES216,672+975.02 = KES217,647.02.  (2) M+1: KES331,190+1,490.36 = KES332,680.36.  (3)  M+2: KES 433,887+1952.50 = 435,839.50.

B. INPATIENT+OUTPATIENT RATES

B1. CATEGORY A: KES10M INPATIENT+OUTPATIENT INSURANCE PREMIUMS FOR SPECIFIED FAMILY SIZES: 

(1) M+0: Premium+(0.45% as TL/PHPF) = KES254,900+126252 = KES381152+1715.184 = 382,867.18.  (2) M+1: KES384,700+200,000 = 584700+2,631.15 = KES587,331.15.  (3) M+2: KES 495,738+200,000 = 695,738+3,130.82 = 698,868.82.  

B2. CATEGORY B: KES5M INPATIENT+OUTPATIENT INSURANCE PREMIUMS FOR SPECIFIED FAMILY SIZES: 

(1) M+0: Premium+(0.45% as TL/PHPF) = KES223,625+115,806 = 339,431+1,527.44 = KES340,958.44. (2) M+1: KES(343,000+150000)= 493,000+2,218.50 = KES495,218.50.  (3)  M+2: KES (449,870+150,000)= 599,870+2,699.42 = 602,569.42.   

B3. CATEGORY C: KES3M INPATIENT + OUTPATIENT INSURANCE PREMIUMS FOR SPECIFIED FAMILY SIZES: 

(1) M+0: Premium+(0.45% as TL/PHPF) = KES(216,672+115,806) = 332,478+(1,496.15) = KES333,974.15. (2) M+1: KES(331,190+150,000)= 481,190+(2,165.36) = KES483,355.36.  (3)  M+2: KES (433,887+150,000) = 583,887+2,627.49 = 586,514.49.