Compiled by COLLECTIVE SUPPORT Welfare Association. (“We’ve got your back!”)

1. Membership and Subscriptions: To qualify for services, a member must be registered and actively remitting monthly subscriptions, including the month of admission.

2. Medical Support Scope: The welfare only caters for INPATIENT medical bills under our medical scheme.

3. Medical Scheme Eligibility: A member must contribute consistently for 3 months from the first subscription date to qualify for inpatient medical coverage.

4. Last Expense Scheme Eligibility: Member Below 70 years must contribute consistently for 4 months from the first subscription date to qualify for the Last Expense Scheme. For members aged 70 years and above, eligibility for the Last Expense Scheme requires 6 months of active membership.

5. Next of Kin Requirements: The next of kin listed must be 18 years or older.

6. Loss of Spouse Support: In case of the death of a spouse below 50 years old, COLLECTIVE SUPPORT will provide an in-kind envelope of Ksh 25,000 to the principal member within 30 working days after burial.

7. Medical Scheme Financial Limits: The annual maximum available for medical expenses will be shared equally among all listed beneficiaries (refer to Rules 10 and 11).

8. Initial Hospital Visit/Admission Support: For the first admission, COLLECTIVE SUPPORT will top up Ksh 3,500 toward the bill if a member’s account balance is below Ksh 10,000. Any extra charges beyond this amount must be paid by the member.

9. Payment Ratios for Members Above Ksh 10,000 (Annual maximum available for spending): Members with contributions above Ksh 10,000 will have medical expenses paid in the ratio of 30:30:40 for all Packages in-case of any inpatient medical Admission.

10. Return Patients (Less than 3 months): For readmissions less than 3 months, members with contributions below Ksh 10,000 will receive a top-up of Ksh 1,500 only. The payment ratio for re-admissions will be adjusted to 15:15:20 for members with contributions above Ksh 10,000.

11. Hospital Partnerships: COLLECTIVE SUPPORT only partners with: Government-run public hospitals, Selected mission hospitals, Community health centers affiliated with recognized religious institutions.

12. Private Hospital Support: In special cases requiring private institutions, government hospital rates will apply when settling inpatient bills (subject to Rules 9, 10, and 11).

13. Excluded Medical Expenses: COLLECTIVE SUPPORT will not cover: Surgical operations (except cesarean sections) (Refer to rule 11), X-rays, CT scans, Pre-existing medical conditions. Only bed charges will be covered in these cases.

14. Age Limitations for Support: Medical or last expense support is not available for children below 6 months old.

15. Reporting Requirements: All INPATIENT cases should be reported on the day of admission – COLLECTIVE SUPPORT SHALL NOT be held liable for CLAIMS reported during hospital discharge – our rates and regulations will still apply.

16. Default Periods: The default period for claims (medical and funeral) is 30 days, excluding the month of need.

17. Subscription Default: In case of any default in Monthly subscription, the Grace Period for qualifications on our services will resume afresh from New Date of Monthly subscription for a Period of 3 Months for Inpatient Scheme, 4 Months for the Last Expense Scheme for those Under 70 years and 6 Months for the Last Expense Scheme for those Over 70 years – subject to waivers as shall be communicated from time to time.

18. Funeral Support Limits: COLLECTIVE SUPPORT will only support up to three funerals per family per year. Except for accident-related deaths, funerals must be spaced at least four months apart.

19. Non-Monetary Service Policy: COLLECTIVE SUPPORT does not convert services into cash or cash equivalents. We shall only provide the listed services.

20. Dual Membership Policy:In cases where a member is in another organization, offering similar services as COLLECTIVE SUPPORT, Instead, COLLECTIVE SUPPORT will focus exclusively on providing complementary services that are not covered by the other organization. Additionally, we shall offer a supplementary cash envelope (Amount subjecting to what has been provided) to support the member in areas not already addressed.

21. Funeral Claims Reporting: Funeral claims must be reported at least 7 days before the burial. On all reports falling below 7 DAYS, the welfare will request the family to push the burial date forward to accommodate our 7 DAYS NOTICE to enable facilitate our services and logistics effectively.