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AFYATELE is a unique corporate (group) medical insurance cover with an inbuilt funeral benefit. 
This policy can be taken as an Organization or as registered groups with minimum of 10 principal members. 
It is however restricted to only one spouse per policy.

Member can include as many own children as they are in the family.


What are the Benefits of AfyaTele?


  • • Hospitalization bills paid directly to the hospital on the Britam panel

  • • The scope of cover extends to accommodation on general ward bed in the appointed hospital.

  • • Includes Resident Doctors charges, Nursing Fee, Bed Charges pharmacy, laboratory and radiology charges

  • • Maternity and pregnancy related illnesses cover for either normal deliveries or caesarean section within inpatient limit (9 months waiting period applies)

  • • Pre-existing and chronic conditions capped at 50%of limit

  • • Lodger charges payable for children under 5 years



  • • Consultation Fee- Resident Doctor/ RCO

  • • Laboratory Charges

  • • Radiology charges except MRI

  • • Pharmacy charges

  • • Day case procedures

  • • Physiotherapy- Maximum 3 sessions

  • • Dental/ Optical treatments within Limit


Who is eligible for the cover?

The applicant and the spouse should be between 18 and 65 years at entry. Children between 30 days and 18 years automatically qualify for inclusion. 
Those above 18 years up to 24 years can be included only if they are students in school/college.


Waiting periods are as follows;

  • • 1 month for all illnesses but treatment as a result of accidental causes are covered from commencement date

  • • 1 month for death as a result of natural causes. Death as a result of any accident is covered from commencement date

  • • 9 months’ waiting period for maternity and pregnancy related treatments

  • • 1 year waiting period for surgical treatment unless surgery is a result of an accident

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