Coverage depends on your selected plan (Essential, Core, or Core+), and may include:

- General Practitioner (GP) consultations
- Specialist consultations (plan dependent)
- Chronic illness support
- Emergency Medical Services (EMS)
- Medication (as per formulary)
- Hospital cover or hospital cash benefit
- Laboratory and diagnostic tests
- Maternity and child health benefits
- Accidental injury and trauma care
- Inter-facility transfers
- Preventative health screenings

Yes. UTULIVU was designed to provide healthcare protection for every budget.

We offer:

- Low yearly premiums
- Flexible plan tiers (Essential → Core → Core+)
- Options for individuals, families, groups, employers, and brokers

UTULIVU provides three main medical insurance levels:

Essential

Basic, cost-effective coverage for everyday healthcare needs.

Core Hospital

Coverage with broader access to standard network hospitals. This cover is mainly for Hospital (not for your day-to-day consultation)

Core

Balanced and more comprehensive coverage for families and working adults.

Core+

Advanced medical protection with enhanced coverage, emergency support, and private facility access depending on plan rules.

UTULIVU EMS provides emergency support which includes:

- 24/7 ambulance services
- On-site stabilization
- Emergency medical treatment
- Evacuations and advanced life support (Core+ plan)
- Accident and trauma response
- Transportation to approved medical facilities