Manje Z-SURE

Manje Z-SURE is a comprehensive Health and Life Insurance Plan designed to afford Zambians in the diaspora the opportunity to insure themselves or their loved ones.

The plan covers inpatient and outpatient services, medication, tests, dental and optical services and aims to meet the diverse needs of individuals and families living in Zambia, catering for healthcare needs across a number of different income brackets while ensuring the most comprehensive cover.
Manje Z-SURE is underwritten by ZSIC Life, and delivered by hospitals through SMART Zambia, The Electronic Government (e-Gov) also known as the Smart Zambia Institute.

SMART Zambia is a Division in the Office of the President of the Republic of Zambia, which is charged with the responsibility of the management and promotion of electronic Government services and processes; facilitate access to electronic Government services to improve service delivery to enhance citizens access to Government services, coordination of e-government and information and communication technology matters in public bodies. The Division draws its mandate from the Electronic Government Act No. 41 of 2021. The Electronic Government Act No. 41 of 2021 is a Governance Act required to facilitate access to electronic Government services to improve service delivery.

Z-SURE is accepted at over 140 public and private hospitals including pharmacies in all 10 provinces of Zambia. Our wide coverage and service provider network means that no matter where in Zambia your beneficiary might be, they have access to a service provider near them.

What You Get In Each Yearly Package

Each package includes Health Cover (inpatient and outpatient services, tests and medication); Life Insurance Benefit (in the unfortunate event that the beneficiary passes away, you as the sponsor shall receive a lump sum cash payout); and Permanent Disability (in the unfortunate event that the beneficiary becomes disabled permanently), you as the sponsor will receive a corresponding lump sum cash payout.

NB: 100% Loading for clients above 62years. 100% Loading for client with Pre-existing medical conditions

When The Beneficiary Needs To Access Care

1. HOSPITALS: The beneficiary SHALL select any hospital from the list of 3,000+ health service providers across all 16 regions of Ghana including public, private and CHAGS.

2. TELEPHONE NUMBER: At the hospital, the beneficiary SHALL provide their telephone number - the beneficiary number that you, as the sponsor, indicated in the subscription form.

3. DOSH SERVICES: The beneficiary SHALL inform the staff at the hospital that the insurance is under DOSH Services. Note: DOSH is a partner of SIC Life Ltd.

When the beneficiary is at the hospital, the staff SHALL enter the beneficiary telephone number registered to the insurance, in their DOSH system and send an SMS to the beneficiary with a code . Once the code is verified, the beneficiary can proceed to receive the care they need.

SIC Life SHALL not send out any beneficiary cards. The process is digital and takes a few minutes to complete. The beneficiary telephone number works as the account number and is unique identifier. By inputting the beneficiary telephone number in the system, the hospital can view the account which includes name, picture, telephone number and plan purchased, benefits associated to the plan and usage - this will verify that the person at the hospital, is indeed, the same person registered to the insurance.

To avoid any delays, as the sponsor, kindly ensure that the beneficiary is aware of these steps.

Should you require any support with this process, our Customer Care Team is on standby to guide you through. Please contact us via WhatsApp on +46 70 360 76 23 or Email via info@manjehealth.com.