What is Ishema Care?

This is an enhanced insurance solution that provides health insurance. The cover is suitable for individuals between the ages of 65 years up to 80 years. Ishema Care also provides health cover for inpatient and/or outpatient medical bills.
What's in it for you?We cover the following:
  • Regional cover (East Africa) with middle network hospitals in EA and India on referral
  • Pre-existing and chronic conditions and HIV/AIDS after one year waiting period.
  • Hospitalization expenses including surgeon, physician, theatre, ICU & HDU fees
  • Diagnostics and physiotherapists fees, prescribed drugs, dressings, surgical appliances for inpatient
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How do I apply for Ishema Care?Below is our sign up process to get Ishema Care:
  • Present medical check-up
  • Fill in an enrolment form
  • Sign contract
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Want to know more about Ishema Care?If you want to know more we've answered a question you might have.
  • We don't cover:

    • Expenses where material information is withheld or misstated
    • Benefits not specified in the brochure and policy
    • Treatment by any other than a certified medical practitioner
    • Expenses incurred in connection with active participation in riots, civil unrest etc
    • Self-inflicted injury and attempted suicide
    • Medical Costs due to experimental treatment
    • Professional and hazardous sports activities
    • Cosmetic surgery
    • Outpatient dental and optical claims
    • Vaccines
    • Homeopathy, chiropractic treatment, acupuncture, herbal medicine, and treatment
    • Experimental treatment
    • Infertility and impotence related treatment and investigations
    • Medical bill incurred at a non-appointed facility
    • Alcoholism, drug abuse and related ailments
    • Treatment outside the approved and or recommended service provider
    • Dialysis for management of a long-term ailment


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UAP Insurance Rwanda is a subsidiary of the UAP Old Mutual Group, EA, which is part of Old Mutual Limited (OML) a premium African financial services group that offers a broad spectrum of financial solutions to retail and corporate customers across key markets in 17 countries.
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