Health Care Smart is a private health insurance that enables you to plan your personal health expenses and make quality healthcare more accessible. When you need an examination by a specialist, and you cannot get a Referral for Consultation from your GP, Health Care Smart will provide you with easy access to the needed doctor or specialist. The insurance covers too the prescribed medical or diagnostic tests that are not included under the NHIF (National Health Insurance Fund) coverage. When you need to stay in hospital, we will reimburse the medical costs incurred during your hospital treatment not covered by the clinical pathway, such as choice of a doctor specialist/surgical team, consumables, user charges, etc.
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