Our Plans - Utulivu Healthcare

Wellness Packages

Financial Protection from Medical Emergencies

UTULIVU covers all key medical costs during hospitalization including accommodation, specialist consultations, surgery, medication, and theatre fees – subject to plan limits and clinical approval.

Essential (Silver)

For out-patient and in-hospital services within the restricted network

^$ 20 000 _cover

In-hospital accommodation, specialists, theatre, ward, acute dialysis and medicine costs
Emergency ambulance services, subject to pre-authorization
Specialized radiology (combined limit in and out of hospital)
In-patient maternity (childbirth)
Intensive care
Neonatal care (incubator, phototherapy, congenital conditions, prematurity)
Psychiatric hospitalization
Prosthesis (per prosthesis)
External medical appliances
Emergency treatment outside area of cover
Major Disease Limit
Cancer treatment (in- and out-patient)
Organ transplants
Kidney dialysis (in- and out-patient)
Basic Consultations
Outpatient maternity
Basic Dentistry
Specialised Dentistry
Optical Benfits
International emergency evacuation and repatriation - NOT COVERED
Compassionate travel for one person accompanying an evacuated person - NOT COVERED
Repatriation of mortal remains following an international emergency evacuation - NOT COVERED

Core Hospital (Copper)

Coverage with broader access to standard network hospitals.

^$ 35 000 _cover

In-hospital accommodation, specialists, theatre, ward, acute dialysis and medicine costs
Emergency ambulance services, subject to pre-authorization
Specialized radiology (combined limit in and out of hospital)
In-patient maternity (childbirth)
Intensive care
Neonatal care (incubator, phototherapy, congenital conditions, prematurity)
Psychiatric hospitalization
Prosthesis (per prosthesis)
External medical appliances
Emergency treatment outside area of cover (up to max 45 days per trip)
Major Disease Limit
Cancer treatment (in- and out-patient)
Organ transplants
Kidney dialysis (in- and out-patient)
Basic Consultations - NOT COVERED
Outpatient maternity - NOT COVERED
Basic Dentistry- NOT COVERED
Specialised Dentistry- NOT COVERED
Optical Benfits - NOT COVERED
International emergency evacuation and repatriation - NOT COVERED
Compassionate travel for one person accompanying an evacuated person - NOT COVERED
Repatriation of mortal remains following an international emergency evacuation - NOT COVERED

Get Cover

Core (Cobalt)

Coverage including specialized radiology, this plan is suitable for individuals and groups

^$ 45 000 _cover

In-hospital accommodation, specialists, theatre, ward, acute dialysis and medicine costs
Emergency ambulance services, subject to pre-authorization
Specialized radiology (combined limit in and out of hospital)
In-patient maternity (childbirth)
Intensive care
Neonatal care (incubator, phototherapy, congenital conditions, prematurity)
Psychiatric hospitalization
Prosthesis (per prosthesis)
External medical appliances
Emergency treatment outside area of cover (up to max 45 days per trip)
Major Disease Limit
Cancer treatment (in- and out-patient)
Organ transplants
Kidney dialysis (in- and out-patient)
Basic Consultations
Outpatient maternity
Basic Dentistry
Specialised Dentistry
Optical Benfits
International emergency evacuation and repatriation - NOT COVERED
Compassionate travel for one person accompanying an evacuated person - NOT COVERED
Repatriation of mortal remains following an international emergency evacuation - NOT COVERED

Core+ (Gold)

Coverage including neonatal care and longer psychiatric stays

^$ 90 000 _cover

In-hospital accommodation, specialists, theatre, ward, acute dialysis and medicine costs
Emergency ambulance services, subject to pre-authorization
Specialized radiology (combined limit in and out of hospital)
In-patient maternity (childbirth)
Intensive care
Neonatal care (incubator, phototherapy, congenital conditions, prematurity)
Psychiatric hospitalization
Prosthesis (per prosthesis)
External medical appliances
Emergency treatment outside area of cover (up to max 45 days per trip)
Major Disease Limit
Cancer treatment (in- and out-patient)
Organ transplants
Kidney dialysis (in- and out-patient)
Basic Consultations
Outpatient maternity
Basic Dentistry
Specialised Dentistry
Optical Benfits
International emergency evacuation and repatriation - NOT COVERED
Compassionate travel for one person accompanying an evacuated person - NOT COVERED
Repatriation of mortal remains following an international emergency evacuation - NOT COVERED

Optional International Emergency Evacuation Benefits

International Emergency Evacuation and Repatriation: USD 200,000 Limit (Africa and India)
Return of ticket and economy class accommodation up to a maximum of 14 days. 50 USD per day for miscellaneous expenses (max 14 days).
Repatriation of Mortal Remains: Limit $2,750

International Emergency Evacuation and Repatriation: USD 200,000 Limit (Africa and India)
Return of ticket and economy class accommodation up to a maximum of 14 days. 50 USD per day for miscellaneous expenses (max 14 days).
Repatriation of Mortal Remains: Limit $2,750

Emergency Medical Service (EMS)

As an additional option, UTULIVU Healthcare ensures that every member has access to fast, reliable, and life-saving Emergency Medical Services (EMS) whenever a medical crisis arises. In partnership with trusted emergency response providers our EMS offering provides 24/7 emergency support, ensuring immediate assistance when every second counts.

Medical emergencies can happen anytime — day or night. UTULIVU provides around-the-clock emergency support that ensures:

Immediate dispatch of emergency responders
Rapid assessment, stabilization, and medical intervention
Coordination with the nearest approved healthcare facility

We operate with reliability, speed, and professionalism to protect your life and wellbeing.

Having the right cover means little if you can’t access reliable care.

Quick Links

Contact Information