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Small business team with mosaic effect, illustrating APA SME Medical Cover

Solutions > Insure > Business > Protect Your Employees > SME Health Cover

Comprehensive MedicalCover for Small& Growing Teams

From 3 Employees

Corporate-style cover for small teams

No Waiting Period

No co-pay — simple & affordable

Get Your SME Health Quote

Optional Benefits

What is APA SME Medical Cover?

Quality healthcare shouldn't be only for large companies. APA SME Medical Cover is a comprehensive insurance solution designed for organisations with three to nine employees. It offers flexibility on cost and panel access without compromising the scope of cover — spanning inpatient, outpatient, dental, optical and maternity, including a post-hospitalisation benefit, with no waiting period and no co-pay.

Highlights

  • Comprehensive medical cover for organisations with three to nine employees and their dependants.
  • Inpatient is core — add optional outpatient, dental, optical and maternity with flexible cost and panel options.
  • No waiting period and no co-pay — post-hospitalisation benefit included.
  • Wellness programmes, chronic disease management, telemedicine and Pharma First Care via APA Health.
Small business team covered by APA SME Medical Cover
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What is Covered and Not Covered Under SME Health?

APA SME Medical Cover gives small and growing teams comprehensive, flexible health insurance. Toggle between the categories below to explore your cover.

1

Inpatient Hospitalisation

Core benefit — hospital bed accommodation, day care surgery, doctors' fees and home nursing.

2

Optional Outpatient

Add outpatient cover for consultations, diagnostics and day-to-day medical care.

3

Dental & Optical

Optional routine dental and optical consultations alongside core inpatient cover.

4

Maternity Cover

Optional maternity benefit with no waiting period on SME cover.

5

Post-Hospitalisation

Post-hospitalisation benefit included to support recovery after inpatient treatment.

6

Chronic & Pre-Existing

Chronic and pre-existing conditions covered with no waiting period on SME medical cover.

Talk to APA SME Health Team

Apply through APA Health, a branch or an intermediary. Email apa.sme@apainsurance.org or call 0709 912 237.

Eligibility & Requirements for SME Health Cover

Eligibility Criteria
Specifications
Who Qualifies
SMEs with three (3) to nine (9) employees; maximum joining age 65 years for members.
Documents
Corporate data gathering form, individual health application forms and member list.
Cover Scope
Inpatient (core), optional outpatient, dental, optical and maternity — flexible panel options.
Rating Basis
Inpatient limit, optional benefits, panel option, group size and member ages — SME quoting tool available.

How to Buy APA SME Medical Cover?

1

Complete a quote request and corporate data gathering form with your member list.

2

Choose inpatient limit, optional benefits and panel option via the SME quoting tool.

3

Apply through APA Health Division, a branch or intermediary (apa.sme@apainsurance.org or 0709 912 237).

4

Receive your SME policy covering employees and dependants from commencement date.

Everything You Need, All in One Place

Access policy documents, claim forms, renewals, and important resources anytime.

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Claim Form

PDF • 1.1 MB

Terms & Conditions

PDF • 1.8 MB

Bima Bamba Insurance Brochure

PDF • 2.4 MB

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Frequently Asked Questions

A comprehensive medical scheme for organisations with three to nine employees, covering inpatient, outpatient, dental, optical and maternity with a post-hospitalisation benefit.

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