What is Medical Insurance?
Accessing quality private healthcare in Uganda can be extremely expensive out-of-pocket, particularly for chronic illnesses, maternity needs, or sudden surgical emergencies. While basic state healthcare or NSSF provisions exist, true financial protection and premium care require private medical cover.
A Stallion-managed Medical Insurance policy ensures that when illness strikes, your only priority is getting well—not worrying about how to pay hospital bills. We design customized health plans that grant you access to top-tier hospitals in Kampala and across East Africa.
What It Covers
Inpatient Care
Hospitalization, surgery fees, ICU charges, and specialist consultations.
Outpatient Services
Routine doctor visits, laboratory tests, prescription drugs, and diagnostics.
Maternity Care
Prenatal, delivery (normal and C-section), and postnatal care for mother and baby.
Dental Care
Routine checkups, extractions, fillings, and essential dental surgeries.
Optical Care
Eye tests, prescription frames, and lenses.
Evacuation
Emergency medical evacuation locally or regionally (e.g., to Nairobi) if required care is unavailable.
Who is this for?
Corporate Employers: Attract and retain top Ugandan talent by offering comprehensive group medical schemes. We handle schemes from 5 employees up to thousands.
SMEs & Entrepreneurs: Protect yourself and your staff with tailored SME health packages.
Families: Secure your family's health with standalone plans that cover dependents and spouses.
Why Get It Through Stallion?
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Superior Hospital Networks
We ensure your policy gives you unhindered access to top Tier-1 hospitals in Uganda without long approval delays.
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Scheme Management
For corporates, we don't just sell the policy; we actively manage loss ratios, handle additions/deletions, and negotiate favorable renewals.
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24/7 Advocacy
If an insurer rejects a valid claim or pre-authorization, our medical advisory team steps in to advocate furiously on your behalf.
How to Get Covered
Needs Assessment
We analyze your profile, determining required inpatient limits, maternity needs, and budget.
Market Review
We source proposals from providers like UAP, Sanlam, IAA, and Prudential to find the best fit.
Access Cards
Scheme goes live. You receive digital/physical medical cards for immediate hospital access.
Frequently Asked Questions
Typically, pre-existing and chronic conditions (like hypertension or diabetes) are subject to a waiting period of 1 year on individual policies. However, for large corporate schemes, we can negotiate waiving these waiting periods entirely.
No, most policies operate on a "direct billing" network. You simply present your smart card or biometric ID at the registered hospital, and the bill is sent directly to the insurer.
Standard policies cover a principal member, spouse, and dependent children up to 21 years (or 25 if still in school). We can structure bespoke 'senior citizen' schemes for parents.
We can include a regional extension that covers you for up to 6 weeks while traveling within East Africa. For global coverage, we offer specialized International Health Insurance policies (e.g., Bupa, Cigna).