1
Bed Charges, ICU & HDU
Covers hospital accommodation expenses in general ward, High Dependency Unit (HDU), or Intensive Care Unit (ICU) rooms.
Solutions > Inpatient Cover
Comprehensive Cover for Hospital Stay & Admissions
Inpatient Cover is the core APA Care benefit, meeting the cost of medically necessary hospital admission due to illness or accident, up to the annual limit of the plan selected (UGX 15m to UGX 150m). It includes pre-existing and chronic con
Cashless Hospital Admission
Inpatient bills settled directly at panel hospitals
APA Care Core Benefit
Inpatient coverage limits from UGX 15M to 150M
What is APA Inpatient Cover?
Inpatient Cover is the core APA Care benefit, meeting the cost of medically necessary hospital admission due to illness or accident, up to the annual limit of the plan selected (UGX 15m to UGX 150m). It includes pre-existing and chronic conditions (after 12 months), organ transplant, post-hospitalisation, and treatment in India where unavailable locally.
Highlights
- Core inpatient limits up to UGX 150 Million across six customizable plans.
- Pre-existing and chronic conditions (including HIV/AIDS) covered after 12 months.
- Direct cashless payment via smart cards at accredited hospitals across Uganda.
- Emergency referrals to India for pre-approved, non-locally available procedures.
- Includes ambulance, home nursing, day-care surgery, and funeral cover.
What is Covered and Not Covered Under Inpatient Cover?
Toggle between the categories below to understand the comprehensive scope of our cover details.
2
Physicians & Specialists
Covers consultation and procedural fees for physicians, surgeons, anaesthetists, and other specialized practitioners.
3
Prescribed Discharge Drugs
Reimbursement or direct cover for necessary prescribed medication up to a 30 days' supply upon discharge.
4
Diagnostics & Imaging
Covers essential diagnostics, including laboratory tests, X-rays, ultrasounds, MRI, and CT scans.
5
Organ Transplants & Psychiatric Care
Organ transplant surgery and psychiatric hospitalisation are covered subject to policy limits and waiting periods.
6
Pre-existing, Chronic & HIV/AIDS
Cover is provided for pre-existing conditions, chronic illnesses, and HIV/AIDS after a 12-month waiting period.
7
Home Nursing & Rehabilitation
Covers home nursing for up to 30 days and follow-up physiotherapy services during recovery.
8
Specialized Medical Procedures
Includes first emergency Caesarean section, day-care surgery, reconstructive surgery after an accident, and inpatient dental/ophthalmology.
9
Local Ambulance & Funeral cover
Covers emergency local road ambulance and funeral expenses (UGX 1.5M to 3.5M) to support the family.
Eligibility & Documentation
Eligibility Criteria
Specifications
Principal & Family
Individuals and families from age 1 day (term baby at 38 weeks) to 80 years.
Maximum Entry Age
Up to 50 years of age for new members joining the plan.
Medical Screening
Required only for members aged 50 years and above.
Provider Network
Cashless treatment at accredited panel providers across Uganda.
How to Buy APA Inpatient Cover?
1
Select your preferred inpatient plan tier (Platinum, Diamond, Gold, Silver, Bronze, or Copper).
2
Complete the health application form with full disclosures (medical report required if age 50+).
3
Pay your premium to APA Insurance (Uganda) Ltd or your authorized intermediary.
4
Receive your policy documentation and smart card once premium payment is completed.
Everything You Need, All in One Place
Access policy documents, claim forms, renewals, and important resources anytime.
Real Stories from Customers Who Trust Our Coverage
Learn why professionals trust our solutions to complete better customer journeys.
“Support became faster, clearer, and more consistent across every customer touchpoint. It changed how we interact with our clients.”
Nia Afolayan
Customer Expert
Chioma Nwosu
Customer Success
“The onboarding was smooth from day one, and our team saw measurable results quickly. It gave us a much faster customer journey.”
Jordan Mensah
Growth Manager
Daniel Okoro
Founder
“It helped us create a better customer journey without adding complexity for the team, keeping all departments aligned.”
Robert Hayes
Regional Partner
Frequently Asked Questions
It covers medically necessary hospital admission costs — bed charges, doctors' fees, surgery, operating theatre fees, drugs, diagnostics, physiotherapy, day-care surgery, and related inpatient care — up to your plan's annual limit.
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“The easiest way to manage my cover.”
— Sarah K., Nairobi
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
+
Motor Insurance
+
Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
