Antara Health Terms and Conditions

PLEASE READ THESE TERMS AND CONDITIONS (“TERMS”) CAREFULLY BEFORE USING THE HEALTH COVERAGE PURCHASING SERVICES OFFERED BY ANTARA HEALTH, INC. (“ANTARA HEALTH”). BY MUTUALLY EXECUTING ONE OR MORE ORDER FORMS WITH COMPANY WHICH REFERENCE THESE TERMS OR BY SUBMITTING AN ONLINE ORDER FORM ON ANTARA HEALTH’S WEBSITE (EACH, AN “ORDER FORM”), YOU (“CUSTOMER”) AGREE TO BE BOUND BY THESE TERMS (TOGETHER WITH ALL ORDER FORMS, THE “AGREEMENT”) TO THE EXCLUSION OF ALL OTHER TERMS. IF THE TERMS OF THIS AGREEMENT ARE CONSIDERED AN OFFER, ACCEPTANCE IS EXPRESSLY LIMITED TO SUCH TERMS.

Antara Health’s Obligations

Subject to Customer’s compliance with the terms and conditions of this Agreement Antara Health agrees to remit payments to its partner providers for the health care and/or pharmacy services described in Exhibit A hereto (the “Outpatient Coverage”), Exhibit B hereto (the “Comprehensive Coverage”), or Exhibit C hereto (the “Senior Care Package”), subject to the limitations, deductibles and other conditions specified in Exhibit A, B, or C. Coverage is provided only for the Beneficiary named in the Order Form and only when Coverage is provided by the provider(s) specified in Exhibit A, B, or C (the “Providers”); no payments will be remitted for services received by anyone other than the Beneficiary or for services received at any facilities other than the Providers. Customer acknowledges and agrees that neither the Coverage nor Antara Health’s payment obligations are insurance. Antara Health is providing a payment service to facilitate Beneficiary’s payments and care for the Coverage received from the Providers (the “Service”). Antara Health is not responsible for the treatment provided (or any failure to provide treatment) by the Providers. Antara Health will provide support for the Service. Antara Health will provide personalized care coordination services through its cadre of Health Navigators.

Customer’s Obligations

Customer shall pay Antara Health fees for the Antara Health payment services provided hereunder (the “Services”) as set forth in each Order Form (“Fees”). Unless otherwise specified in an Order Form, all Fees for Comprehensive Coverage Plans shall be paid in advance by credit card [via Antara Health’s payment processor] and all Senior Care Packages shall be paid in advance by credit card [via Antara Health’s payment processor]. Customer shall be responsible for all taxes associated with the Services (excluding taxes based on Antara Health’s net income). All Fees paid are non-refundable and are not subject to set-off. Customer acknowledges and agrees that Antara Health is not responsible to remit payment for (and the Fees do not include payment for) any products or services outside the Coverage. Customer and Beneficiary are solely responsible for determining the suitability of the Providers and should seek medical care elsewhere if they determine the Providers do not meet their needs.

Customer agrees that payments for Coverage are made subject to Customer’s and Beneficiary’s compliance with all of the terms of this Agreement and the Coverage requirements set forth in Exhibit A or B. Failure for Customer and/or Beneficiary to comply with such terms and requirements shall be deemed a breach of this Agreement and shall relieve Antara Health of its obligations under this Agreement.

Ownership: Feedback

As between the parties, Antara Health retains all right, title, and interest in and to the Service and all intellectual property rights embodied in or otherwise used to provide the Service, and all improvements thereto. Customer may from time to time provide suggestions, comments or other feedback to Antara Health with respect to the Service (“Feedback”). Antara Health shall be free to use and disclose the Feedback for any purposes.

Privacy and your Personal Information

Antara’s privacy policy is located at https://www.antarahealth.com/privacy-policy (the “Privacy Policy”) and is expressly incorporated into these Terms. The Privacy Policy discloses Company’s practices regarding the collection, use and disclosure of your personal information that you create, upload, transmit or display while using the Services. By agreeing to these Terms, you are also agreeing to the terms of Company’s Privacy Policy and consenting to the collection, use and disclosure of information provided to Company as set forth herein. For inquiries in regard to the Privacy Policy or to report a privacy-related problem, please contact us at [email protected].

Life Assurance Policy

Antara Health offers its members a Life Assurance Policy as an additional benefit, at no additional cost to the Antara member. This policy is purchased from a third party vendor and the terms and conditions of said policy is present in Exhibit E. Antara Health bears no liability for the execution of these Funeral Coverage Benefits and all responsibility lies with the vendor of said policy and the Antara member’s designated beneficiary(ies). In any action or proceeding to enforce rights under this Agreement, the prevailing party shall be entitled to recover costs and attorneys’ fees. If any provision of this Agreement is held to be unenforceable for any reason, such provision shall be reformed only to the extent necessary to make it enforceable. The failure of either party to act with respect to a breach of this Agreement by the other party shall not constitute a waiver and shall not limit such party’s rights with respect to such breach or any subsequent breaches.

Term: Termination

This Agreement shall commence upon the Effective Date set forth in the first Order Form, and, unless earlier terminated in accordance herewith, shall last until the expiration or termination of the all Order Forms. For each Order Form, the “Order Form Term” shall begin as of the Effective Date set forth on such Order Form, and unless earlier terminated as set forth herein, (a) shall continue for the initial term specified on the Order Form (the “Initial Order Form Term”), and (b) following the Initial Order Form Term, shall automatically renew for additional successive periods of one year each (each, a “Renewal Order Form Term”) unless either party notifies the other party of such party’s intention not to renew no later than thirty (30) days prior to the expiration of the Initial Order Form Term or then-current Renewal Order Form Term, as applicable. In the event of a material breach of this Agreement by either party, the non-breaching party may terminate this Agreement by providing written notice to the breaching party, provided that the breaching party does not materially cure such breach within thirty (30) days of receipt of such notice. Without limiting the foregoing, Antara Health may suspend the Service if (i) Customer’s account is more than sixty (60) days past due, or (ii) Customer’s use of the Service results in (or is reasonably likely to result in) violation of any applicable laws. All provisions of this Agreement which by their nature should survive termination shall survive termination, including, without limitation, accrued payment obligations, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Indemnification

Customer shall defend, indemnify, and hold harmless Antara Health, its affiliates and each of its and its affiliates’ employees, contractors, directors, suppliers and representatives (collectively, the “Indemnitees”) from all liabilities, claims, and expenses paid or payable to an unaffiliated third party (including reasonable attorneys’ fees) (“Losses”), that arise from or relate to any claim against any of the Indemnitees (i) asserting that Customer’s use of the Service infringes, violates, or misappropriates any third party intellectual property right or (ii) relating in any way to the Coverage received from any of the Providers. Customer’s indemnification obligations hereunder shall be conditioned upon the Indemnitee providing the Customer with: (i) prompt written notice of any claim (provided that a failure to provide such notice shall only relieve the Customer of its indemnity obligations if the Customer is materially prejudiced by such failure); (ii) the option to assume sole control over the defense and settlement of any claim (provided that the Indemnitee may participate in such defense and settlement at its own expense); and (iii) reasonable information and assistance in connection with such defense and settlement (at the Customer’s expense).

Disclaimer

EXCEPT AS EXPRESSLY SET FORTH HEREIN, THE SERVICE IS PROVIDED “AS IS, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES IMPLIED BY ANY COURSE OF PERFORMANCE, USAGE OF TRADE, OR COURSE OF DEALING, ALL OF WHICH ARE EXPRESSLY DISCLAIMED.

Limitation of Liability

EXCEPT INDEMNIFICATION OBLIGATIONS, IN NO EVENT SHALL EITHER PARTY, NOR ITS DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, SUPPLIERS OR CONTENT PROVIDERS, BE LIABLE UNDER CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE OR ANY OTHER LEGAL OR EQUITABLE THEORY WITH RESPECT TO THE SUBJECT MATTER OF THIS AGREEMENT (I) FOR ANY LOST PROFITS, DATA LOSS, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, OR SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER OR (II) FOR ANY DIRECT DAMAGES IN EXCESS OF (IN THE AGGREGATE) THE FEES PAID (OR PAYABLE) BY CUSTOMER TO ANTARA HEALTH HEREUNDER IN THE TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO A CLAIM HEREUNDER.

Miscellaneous

This Agreement represents the entire agreement between Customer and Antara Health with respect to the subject matter hereof, and supersedes all prior or contemporaneous communications and proposals (whether oral, written or electronic) between Customer and Antara Health with respect thereto. The Agreement shall be governed by and construed in accordance with the laws of the Republic of Kenya. All notices under this Agreement shall be in writing and shall be deemed to have been duly given when received, if personally delivered or sent by certified or registered mail, return receipt requested; when receipt is electronically confirmed, if transmitted by facsimile or e-mail; or the day after it is sent, if sent for next day delivery by recognized overnight delivery service. Notices must be sent to the contacts for each party set forth on the Order Form. Either party may update its address set forth above by giving notice in accordance with this section. Except as otherwise provided herein, this Agreement may be amended only by a writing executed by both parties. Except for payment obligations, neither party shall be liable for any failure to perform its obligations hereunder where such failure results from any cause beyond such party’s reasonable control, including, without limitation, the elements; fire; flood; severe weather; earthquake; vandalism; accidents; sabotage; power failure; denial of service attacks or similar attacks; Internet failure; acts of God and the public enemy; acts of war; acts of terrorism; riots; civil or public disturbances; strikes, lock-outs or labor disruptions; any laws, orders, rules, regulations, acts or restraints of any government or governmental body or authority, civil or military, including the orders and judgments of courts. Neither party may assign any of its rights or obligations hereunder without the other party’s consent; provided that (i) either party may assign all of its rights and obligations hereunder without such consent to a successor-in-interest in connection with a sale of substantially all of such party’s assets or business relating to this Agreement, and (ii) Antara Health may utilize subcontractors in the performance of its obligations hereunder. No agency, partnership, joint venture, or employment relationship is created as a result of this Agreement and neither party has any authority of any kind to bind the other in any respect. In any action or proceeding to enforce rights under this Agreement, the prevailing party shall be entitled to recover costs and attorneys’ fees. If any provision of this Agreement is held to be unenforceable for any reason, such provision shall be reformed only to the extent necessary to make it enforceable. The failure of either party to act with respect to a breach of this Agreement by the other party shall not constitute a waiver and shall not limit such party’s rights with respect to such breach or any subsequent breaches.

EXHIBIT A: Outpatient Coverage

ANTARA OUTPATIENT COVERAGE PLAN DETAILS

Outpatient coverage:

Includes unlimited outpatient consultations at any one of our partner provider facilities (Exhibit D) located throughout Kenya. These consultations can take place on an as-needed or scheduled basis without any claims or additional copays or fees at all.

The following is covered::

Access to a Doctor whenever needed
Specialist Referral
All prescribed tests and diagnostics
All prescribed medications - guaranteed for quality
Emergency Room Care
Plans offer coverage for many pre-existing conditions up to 100,000 KES
Common pre-existing conditions covered include but are not exclusive to: Hypertension, Diabetes, Asthma, Peptic Ulcer Disease, Chronic Skin and Eye Conditions
Additional pre-existing conditions are covered as long as they are not explicitly excluded

The Antara Health Navigator

Every single person covered by Antara Health with be assigned a Health Navigator. A Health Navigator is a qualified health professional employed by Antara Health to benefit everyone we cover.

Our Health Navigators typically have a background in both nursing and claims administration so that they understand both the clinical and logistical sides of delivering care.

Health Navigators serve as a point of first contact for all our members. They will be there to answer questions, provide information on wellness resources, follow up about care received, and help address any issues that may arise.

What IS Covered

At Antara Health we want to be up front about what our Comprehensive Care Plans do and do not cover. While Antara Health coverage offers great coverage at excellent value, not everything, including some pre-existing conditions, will be covered by our Comprehensive Plans.

What IS covered: Outpatient Benefits

Unlimited Consultations with an Avenue Healthcare doctor at any of our clinics
Unlimited Specialist Consultations on referral from our doctors
All needed drugs and dressings
X-rays, CT Scans, Ultrasound and Laboratory Examinations
Special Procedures (e.g. suturing, plaster of Paris (POP))
Many pre-existing conditions, including but not exclusive to: Diabetes, Hypertension, Asthma, peptic Ulcer Disease and more. Note that for medications, laboratory tests and exams related to pre-existing conditions there is a sub-limit of KES 100,000

Outpatient services are available within 24 hours of enrolment from any of our facilities in the Facilities List (Exhibit D).

What Is NOT Covered

At Antara Health we want to be upfront about what our Comprehensive Care Plans do and do not cover. While Antara Health coverage offers great coverage at excellent value, not everything, including some preexisting conditions, will be currently covered by our Comprehensive Plans.

What is NOT Covered Outpatient Exclusions:

We do not yet provide coverage for people over 65 years of age
Pre-existing cancers or kidney diseases
Congenital and genetic disorders
HIV-related conditions
Drug/alcohol dependency
No coverage for cosmetic surgery (except in the case of accidental disfigurement)
Family planning or pregnancy care (for this, we have a separate plan)*
Non-emergency gynaecological surgery
Dentistry (except in the case of severe accidental damage)
Magnetic Resonance Imaging (MRI)*
Medical equipment
Prosthetic devices
Hearing aids

* The good news is that NHIF covers much of what our plans do not - such as dialysis, chemotherapy, and MRIs. Antara Health makes it easy to sign up for NHIF coverage and our Health Navigators help our members maximize the benefits available under NHIF.

An important note

Although we partner with high quality providers, we are not a clinical service provider and the medical care your loved ones received will be provided by our clinical service partners. So, even though we curate our partners very carefully, we can not be responsible for the care they provide. We are responsible for coordinating that care and would like to hear about any issues or concerns that you may have, but ultimately, our partners are responsible for the medical care they provide.

We also want you to know that Antara Health is a growing company. As we expand we will be improving our coverage and our benefits. We are constantly working to deliver the best possible care to everyone we cover and maximize value to all our customers.

To that end, we have a strong commitment to listening to our customers. If you have questions, we want to answer them. If you’re dealing with a specific health situation and are unsure if we’re for you, then please get in touch and we’ll be happy to see how we can help.

EXHIBIT B: Comprehensive Coverage

ANTARA COMPREHENSIVE COVERAGE PLAN DETAILS

All Antara Health Comprehensive Care Plans include both Outpatient coverage and Inpatient coverage.

Outpatient coverage:

The following is covered::

Access to a Doctor whenever needed
Specialist Referral
All prescribed tests and diagnostics
All prescribed medications - guaranteed for quality
Emergency Room Care
Plans offer coverage for many pre-existing conditions up to 100,000 KES
Common pre-existing conditions covered include but are not exclusive to: Hypertension, Diabetes, Asthma, Peptic Ulcer Disease, Chronic Skin and Eye Conditions
Additional pre-existing conditions are covered as long as they are not explicitly excluded

Inpatient Coverage:

Covers hospitalization and major procedures, including surgery, at any of our partner hospitals or their affiliates (Exhibit D, Section 2)

Antara Health Plans offer KES 1,000,000 Inpatient coverage
KES 500,000 sub-limit at intensive care unit (ICU)
Includes the following:
All needed medications
X-Rays, CT Scans, and Laboratory Examinations
Operating Theatre, Surgical Treatment and all bills associated with surgery

Comprehensive Coverage plans are for 1 year of coverage.

Individual Plans Vs Family Plans:

Comprehensive Care Plans can be purchased for a group of individuals at favorable rates. Those covered under family plans receive Outpatient coverage as needed, BUT must share the Inpatient Coverage between them of between 100,000 KES and 1,000,000 KES, depending on plan purchase. Please note that Family Plans do NOT include coverage for preexisting conditions.

Many pre-existing conditions –– such as diabetes, hypertension, and asthma –– ARE included in our Individual Comprehensive Coverage Plans up to $1000.00 (typical investigations and drug treatments generally do not cost more than $500).

The Antara Health Navigator

Every single person covered by Antara Health will be assigned a Health Navigator. A Health Navigator is a qualified health professional employed by Antara Health to benefit everyone we cover.

Our Health Navigators typically have a background in both nursing and claims administration so that they understand both the clinical and logistical sides of delivering care.

What IS Covered

What IS covered: Outpatient Benefits

Unlimited Consultations with an Avenue Healthcare doctor at any of our clinics
Unlimited Specialist Consultations on referral from our doctors
All needed drugs and dressings
X-rays, CT Scans, Ultrasound and Laboratory Examinations
Special Procedures (e.g. suturing, plaster of Paris (POP))
Many pre-existing conditions, including but not exclusive to: Diabetes, Hypertension, Asthma, peptic Ulcer Disease and more

Outpatient services are available within 24 hours of enrolment from any of our facilities in the Partner Provider Facilities List (Exhibit D).

What IS covered: Inpatient Benefits

Inpatient care to the selected limit
All needed drugs and dressings
X-Rays, CT Scans, and Laboratory Examinations
Operating Theatre, Surgical Treatment and all bills associated with surgery

Additional benefit of costs of emergency admission for the first 48 hours in any NHIF approved hospital outside Nairobi. Avenue Hospital must be informed of any such admission within the first 24 hours.

For non-emergency admissions, there is a 60-day waiting period.

What Is NOT Covered

At Antara Health we want to be upfront about what our Comprehensive Care Plans do and do not cover. While Antara Health coverage offers great coverage at excellent value, not everything, including some preexisting conditions, will be currently covered by our Comprehensive Plans.

What is NOT Covered Outpatient Exclusions:

We do not yet provide coverage for people over 65 years of age
Pre-existing cancers or kidney diseases
Congenital and genetic disorders
HIV-related conditions
Drug/alcohol dependency
No coverage for cosmetic surgery (except in the case of accidental disfigurement)
Family planning or pregnancy care (for this, we have a separate plan)*
Non-emergency gynaecological surgery
Dentistry (except in the case of severe accidental damage.
Magnetic Resonance Imaging (MRI)*
Medical equipment
Prosthetic devices
Hearing aids

What is NOT Covered Inpatient Exclusions:

Hospital admission in the first 60 days of membership, EXCEPT for accidental injury admissions

* The good news is that NHIF covers much of what our plans do not - such as dialysis, chemotherapy, and MRIs. Antara Health makes it easy to sign up for NHIF coverage and our Health Navigators help our beneficiaries maximize the benefits available under NHIF.

An important note

EXHIBIT C: Senior Care

SENIOR CARE PACKAGE DETAILS

Antara Health’s Customized Senior Care Package

At Antara Health, we know how hard it can be to take care of the people you love from so far away.

Senior care can involve a lot of work just to manage the essentials. Things like finding the right doctors, making sure appointments are kept, access to quality medications, eye and ear exams, and so on can add up to a lot of stress, effort, and time. Especially when you live far away!

Antara Health offers a better way to care for your loved ones back home. By putting together a customized Senior Care Package for every senior and linking that package to a care coordination specialist, Antara Health takes the stress out of care coordination and let’s you focus on other things.

The Antara Health Solution: High Quality, Value-Driven, and Hassle-Free Care

Each Senior Package is customized to match your senior’s needs and designed to deliver your loved ones the care they need, when they need it.

And that process starts with you! Because the first thing we do is ask you to describe your Senior’s health situation to one of our health experts. Based on that conversation, we’ll figure out what kind of care is needed to create your package (e.g. how many doctor’s visits are necessary, what kind of medication is required, etc).

We then coordinate those health services. If your Senior has a trusted doctor, we’ll work with that person. If not, we’ll provide a great doctor for you. We’ll also make it easy to purchase prescribed medications that are guaranteed for quality.

Once you’ve approved your package (and we’ll never charge you anything without your approval), then we make it easy for you to pay for everything securely and conveniently.

Everything will then be coordinated by a Antara Health Navigator - a health professional employed by us to be there for your senior. That means your Navigator will organize appointments, follow up about care received, send reminders, answer any questions, and much more.

The goal of the Antara Health Senior Care Package is to deliver to you and your Senior not just great care, but also Less Work, Peace of Mind, Better Value, Better Living, and Transparency.

An Important Distinction:

We want to be very upfront about what our Senior Care Package does and does not deliver.

Specifically, our Senior Care Packages are not insurance or blanket coverage of any kind. They are a Care Coordination Service.

That means your Senior will ONLY receive the care you pay for in your Package.

Anything outside of the scope of your Package - in other words, any health service not agreed to and funded by you in advance - will not be covered.

Exhibit D: Partner Provider Facilities List

Section 1: Avenue Healthcare Facilities

Nairobi

Avenue Hospital Nairobi
First Parklands Avenue
Open 24 hours
+254 711 060 000
[email protected]

Avenue Healthcare City Centre Clinic
2nd Floor Nakumatt Lifestyle
Monrovia St.
+254 722 673 500
Monday to Friday 8am to 8pm
Weekends & Public Holidays 9am to 5pm
[email protected]thcare.com

Avenue Healthcare Clinic Industrial Area
Ground floor, P.J Place
Enterprise Road Industrial Area
+254 722 892 657
Monday to Friday 8am to 6pm
Weekends & Public Holidays 8am to 2pm
[email protected]

Avenue Healthcare Buruburu Clinic
1st Floor Kenol Station
Mumias Road, Buruburu
+254 774 157 776
Monday to Friday 8am to 8pm
Weekends & Public Holidays 9am to 2pm
[email protected]

Avenue Healthcare Clinic Embakasi
Ground Floor, Kenol Station Complex
North Airport Road
+254 718 010 533
Monday to Friday 8am to 8pm
Weekend & Public Holidays 9am to 5pm
[email protected]

Avenue Healthcare Clinic Ngong Road
1st Floor, East Wing The Green House
Ngong Road
+254 728 046 444
Monday to Friday 8am to 8pm
Weekends & Public Holidays 9am to 3pm
[email protected]

Avenue Clinic Garden City
2nd Floor, Garden City Mall
Thika Highway Exit 7
+254 711 060 230
Monday To Friday 8am to 8pm
Weekends & Public Holidays 9am to 3pm
[email protected]

Avenue Clinic Donholm
Ground Floor, Greenspan Mall
Savannah Road, Donholm Phase 5
+254 711 060 240
Monday To Friday 8am to 8pm
Weekends & Public Holidays 9am to 3pm
[email protected]

Avenue Healthcare Clinic South C
First Floor Kenol Station
Muhoho Road next to Shopping Centre
+254 711 060 270
Monday to Friday 8am to 8pm
Weekends & Public Holidays 9am to 3pm
[email protected]

Avenue Healthcare Clinic Ongata Rongai
2nd Floor Maasai Mall, Uchumi Building
+254 702 154 325
Monday to Friday 8am to 8pm
Weekends & Public Holidays 9am to 3pm
[email protected]

Eldoret

Avenue Healthcare Clinic Eldoret
3rd Floor, Metro Plaza
Oginga Odinga Street
+254 700 480 380
Monday to Friday 8am to 8pm
Weekends & Public Holidays 9am to 3pm
[email protected]

Thika

Avenue Healthcare Clinic Thika
3rd Floor Zuri Centre
Kenyatta Highway
+254 725 211 701
Monday to Friday 8am to 8pm
Saturday 8am to 4pm
Sunday & Holidays 9am to 3pm
[email protected]

Nakuru

Avenue Healthcare Clinic Nakuru
1st Floor, Polo Centre
Kenyatta Avenue
+254 722 226 446
Monday to Friday 8am to 8pm
Weekends & Public Holidays 9am to 3pm
[email protected]

Kisumu

Avenue Hospital Kisumu
Main Kisumu-Kakamega Highway, across from Kibuye Market
+254 718 860 200 | +254 730 016 158
Open 24 Hours
[email protected]

Avenue Healthcare Kisumu Clinic
1st Floor, Al-Imran Plaza
Oginga Odinga Street
+254 725 589 246
Monday to Friday 8am to 10pm
[email protected]

Mombasa

Avenue Healthcare Clinic Mombasa
1st Floor, Aga Khan Doctors Plaza
Nyerere Road
+254 733 900 520
Monday to Friday 8am to 10pm
Weekends & Public Holidays 9am to 5pm
[email protected]

Avenue Healthcare Changamwe Clinic
3rd Floor, National Oil Building
Magongo Road
+254 732 175 700
Monday to Friday 8am to 8pm
Weekends & Public Holidays 9am to 3pm
[email protected]

Section 2: Avenue Healthcare Affiliate Hospital

Eldoret

The Eldoret Hospital
Makasembo Road
+254 053 2062000/2032293
Open 24 hours
[email protected]

Thika

Naidu Hospital
Haile Selassie Road
Thika Riverside Estate
0735 600237
[email protected]

Nakuru

Evans Sunrise Medical Centre
1st Floor, Oyster Shell Building,
Kenyatta Avenue
Open 24 hours
0735 911911

Kisumu

Bama Hospital
Luanda, Siaya Road
0713 989294
Open 24 hours
[email protected]

Mombasa

The Aga Khan Hospital
Vanga Road, Mombasa
+254-041-5051000
[email protected]

The Bomu Hospital
Changamwe
+254734574755
[email protected]

Malindi

Watamu Hospital
Open 24 hours
042-2332064
Opposite Turtle Bay Beach Club, Off Mida Creek

Kitale

Crystal Cottage Hospital
Meru Farm Rd, Kitale
Open 24 hours
0706 298164

Machakos

Bishop Kioko Catholic Hospital
Machakos-Wote Road
Open 24 hrs
0721179359
[email protected]

Exhibit E: Group Life Assurance Benefit

Antara’s Life Assurance Benefits

As an additional benefit, Antara Health offers all of its members a suite of Life Assurance Benefits comprised of the following:

Death Benefit: his is a sum of money paid out to a member’s designated beneficiary upon the event of death due to accidental, occupational, illness and natural causes.

Last Expense Benefit: KES 50,000 that is paid out within 48 hours of receipt of notification of death.

Disability Benefit: that can be paid out to the Antara member in the event that a disabling event takes place that meets the criteria for disability (described below).

Please note that Antara Health purchases these policies from a third party provider and Antara Health is not responsible for any aspect of the process beyond registration and gathering the information required to register Antara members in the Group Policy. All transactions related to Life Assurance and Disability Assurance Claims is the responsibility of the Antara Member and the third party insurance provider and Antara bears no liability or responsibility beyond registration.

Who is eligible:

Any Antara Health member over the age of 18
Any Antara Health member who is up to date on all payments to Antara
Any Antara Health member that has provided all required registration information requested as part of the Antara Onboarding process

What is required to make a Life Assurance claim

Evidence of date of death
Evidence of circumstances of death

Broad Coverage for a wide range of causes of death:

The following list of reasons for death are NOT EXCLUDED: HIV/AIDS, passive terrorism attacks, war, Invasion, Act of Foreign Enemy, Hostility or Warlike operation, Civil War, Rebellion, Revolution, Insurrection, Military or usurped power or popular rising martial law, strike, riot, civil commotion or mutiny no additional cost.

Please note that:

If any material detail is incorrectly stated or has not been truly and fairly stated or has been withheld, the Sum Assured in respect of the Member shall not be payable or such adjustment as we decide shall be made to the Sum Assured or the premium or both.

Upon the death of a member, the Life Insurance Carrier will pay out to the person(s) designated by the Beneficiary the Sum Assured, hereby referred to as the Beneficiary.

For a detailed description of the Life Assurance benefit that Antara Health provides through its third party provider, please click here and read the fine print.