TUBEERE BALAMU YINSUMA
Tubeere Balamu Yinsuwa is a specialized micro medical insurance product developed to support the health and well-being of communities across the Buganda Kingdom.
The initiative is being implemented across all 18 Counties (Masaza) with the goal of providing accessible and affordable health insurance to individuals and families within Buganda and beyond.

Premium Payment Mode

Annual Premium: UGX 198,000 per person

Eligibility

One year to 70 years

Scope of Benefits — Per Person

1 – Inpatient Benefit
2 – Outpatient Benefit
3 – Funeral Cover — illness and accidental
4 – Permanent Total Disability — from injury or sickness
5 – Critical Illness
6 – Hospital Cash Benefit

Diagnoses Covered

  1. Malaria
  2. Typhoid
  3. Diarrhea
  4. Bacterial infections
  5. Urinary tract infections
  • Common parasitic infections — malaria, brucellosis
  • Gastrointestinal diseases — peptic ulcers, acute diarrhea, typhoid
  • Respiratory tract infections — cough, flu, pneumonia
  • Genital/urinary tract infections — STIs, UTIs
  • Skin integumental infections — fungal and bacterial infections
  • Minor injuries following trauma

Cover Types

  • Inpatient Benefit — UGX 1,000,000
Paid if the member has been admitted to hospital for any of the listed diagnoses.
  • Outpatient Benefit — UGX 1,000,000
Paid if the member is being treated in hospital for any of the listed diagnoses.
  • Death (Illness and Accidental) — UGX 2,000,000
Paid in the event of death of the member.
  • Permanent Total Disability (Illness and Accidental) — UGX 1,000,000
Paid when the member becomes totally and permanently incapacitated.
  • Critical Illness — UGX 2,000,000
Payable for first-time diagnosis, subject to a three-month waiting period from commencement/joining of cover.
Critical illnesses listed include:
  1. Heart attack
  2. Stroke
  3. Cancer
  4. Kidney failure
  5. Paraplegia or paralysis
  6. Major organ transplant
  7. Total blindness
  • Hospital Cash Benefit — UGX 30,000
Paid when a member is admitted to hospital, up to a maximum of 15 days, in excess of one night.
Note: This is applicable to main members only.
 
 

Waiting Period

 Thirty (30) days waiting period for all illness-related medical claims.
Three (3) months waiting period from commencement or joining of cover.
During this period, disability or death cover will be restricted to accidental cases only.
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