--- title: "Bima ya Ajali Tanzania - Fidia ya Kifo, Ulemavu na Hospitali | BIMA Milvik" description: "Pata bima ya ajali kwa TSh 1,750/mwezi. Malipo: Kifo TSh 4.86M, Ulemavu hadi TSh 4.86M, Hospitali TSh 30K/usiku. Hakuna uchunguzi wa afya. Jiandikishe sasa!" keywords: "bima ya ajali tanzania, accident insurance, fidia ya ajali, bima ya ulemavu, bima ya kifo, hospitali ajali, BIMA Milvik Tanzania" url: "https://www.milvik.co.tz/bima-ya-ajali" language: "en" --- Kiswahili English # Linda Familia Yako Dhidi ya Ajali Malipo ya haraka katika ajali, ulemavu, au kifo # Protect Your Family Against Accidents Quick compensation for accidents, disability, or death [ Pata Taarifa za Bima Get Coverage Info ](/bima-ya-ajali-ombi) [ Piga Simu Call Now ](tel:0659071001) Au WhatsApp: Or WhatsApp: [0658 104 193](https://wa.me/255658104193) ![Accident.png](https://jiaz0tia4t.koniglecdn.com/images/accident.webp) ## Bima ya Ajali Inafanyaje Kazi? How Does Accident Insurance Work? Usalama wa kifedha kwa wewe na familia yako Financial security for you and your family 1️⃣ ### Jiandikishe Register Piga \*150\*01\# au pigia simu. Hakuna uchunguzi wa afya\! Dial \*150\*01\# or call. No medical checkup needed\! 2️⃣ ### Lipa Kila Mwezi Pay Monthly TSh 1,750 tu kwa mwezi kwa usalama kamili Only TSh 1,750 per month for complete protection 3️⃣ ### Pata Malipo Get Paid Malipo ya haraka katika ajali, ulemavu, au kifo Quick compensation for accidents, disability, or death ## BIMA YA AJALI - MPANGO WA MSINGI ACCIDENT INSURANCE - BASIC PLAN Usalama wa Kifedha kwa Familia Yako Financial Security for Your Family 1,750 TSh kwa mwezi TSh per month \(TSh 21,000 kwa mwaka\) \(TSh 21,000 per year\) ### Unacholindwa Your Coverage ![](https://jiaz0tia4t.koniglecdn.com/images/death_benefit.webp) Fidia ya Kifo Death Benefit TSh 4.86M TSh 4.86M Familia yako inapata TSh 4,860,000 katika kifo cha ajali. Malipo haraka kusaidia familia wakati mgumu. Your family receives TSh 4,860,000 in case of accidental death. Quick payment to help family in difficult times. ![](https://jiaz0tia4t.koniglecdn.com/images/disability_permanent.webp) Fidia ya Ulemavu Disability Benefit Hadi TSh 4.86M Up to TSh 4.86M Pata hadi TSh 4,860,000 katika ulemavu wa kudumu kutokana na ajali. Msaada wa kifedha kwa matibabu na maisha. Receive up to TSh 4,860,000 for permanent disability from accident. Financial support for treatment and living. ![](https://jiaz0tia4t.koniglecdn.com/images/hospital_admission.webp) Malazi Hospitalini Hospital Admission TSh 30,000/usiku TSh 30,000/night TSh 30,000 kwa kila usiku ulazwa hospitalini baada ya ajali. Hadi usiku 40 \(Jumla: TSh 1.2M\). Msaada wa gharama za hospitali. TSh 30,000 per night when hospitalized after accident. Up to 40 nights \(Total: TSh 1.2M\). Help with hospital costs. [ Pata Maelezo Get Details ](/bima-ya-ajali-ombi) Hakuna uchunguzi wa afya unahitajika No medical checkup required ## Kwa Nini Unahitaji Bima ya Ajali? Why You Need Accident Insurance? ### Ajali za Barabarani Road Accidents Tanzania ina ajali nyingi za barabara. Bima ya ajali inakusaidia na gharama za matibabu na fidia ya familia. Tanzania has many road accidents. Accident insurance helps with medical costs and family compensation. ### Ajali za Kazini Work Accidents Ikiwa unafanya kazi ya viwandani, ujenzi, au usafiri, ajali zinaweza kutokea. Jiepushe na mzigo wa kifedha. If you work in factories, construction, or transport, accidents can happen. Avoid financial burden. ### Ajali za Nyumbani Home Accidents Kuanguka, kuchomeka, au ajali nyingine zinaweza kutokea nyumbani. Bima inakusaidia bila kujali mahali. Falls, burns, or other accidents can happen at home. Insurance helps regardless of location. ### Usalama wa Kifedha Financial Security Linda familia yako na usalama wa kifedha. Usiachie familia mzigo wa madeni ya hospitali au mazishi. Protect your family with financial security. Don't leave your family with hospital debts or funeral costs. ## Mfano Halisi: Jinsi Bima Inavyosaidia Real Example: How Insurance Helps Hadithi ya Juma - dereva wa pikipiki The story of Juma - motorcycle taxi driver ### Kuhusu Juma About Juma Kazi: Job: Dereva wa bodaboda Motorcycle taxi driver Familia: Family: Mke na watoto 3 Wife and 3 children Mapato: Income: TSh 15,000 kwa siku TSh 15,000 per day Bima: Insurance: Bima ya Kulazwa - TSh 1,750/mwezi Hospitalization Insurance - TSh 1,750/month ### Jumanne, 15 Aprili - Ajali Kubwa Tuesday, April 15 - Major Accident Wakati wa kusafirisha abiria, gari likamgonga Juma. Aliumia mguu na mkono wake wa kushoto vibaya sana. Ambulance ilimleta hospitali mara moja. While transporting a passenger, a car hit Juma. His left leg and arm were badly injured. An ambulance rushed him to the hospital immediately. Majeraha: Injuries: * • Mguu wa kushoto umevunjikaBroken left leg * • Mkono umechubukaFractured arm * • Majeraha mengi ya njeMultiple external wounds Tiba Iliyohitajika: Treatment Required: * • Upasuaji wa dharuraEmergency surgery * • Kulazwa hospital wiki 22 weeks hospitalization * • Dawa za kila sikuDaily medications ### Wiki 2 Hospitalini 2 Weeks in Hospital 1 #### Wiki ya Kwanza \(Usiku 7\) First Week \(7 Nights\) Upasuaji wa dharura, dawa za maumivu, na uangalizi wa daktari kila siku. Emergency surgery, pain medication, and daily doctor monitoring. Fidia ya Bima: Insurance Benefit: TSh 210,000 2 #### Wiki ya Pili \(Usiku 7\) Second Week \(7 Nights\) Kuendelea na tiba, physiotherapy, na maandalizi ya kurudi nyumbani. Continued treatment, physiotherapy, and preparation to go home. Fidia ya Bima: Insurance Benefit: TSh 210,000 ### Athari za Kifedha kwa Familia Financial Impact on Family Mapato Yaliyopotea: Lost Income: TSh 15,000/siku × 14 siku = TSh 210,000 TSh 15,000/day × 14 days = TSh 210,000 Gharama Zinaendelea: Ongoing Expenses: Panga, chakula, karo ya shule Rent, food, school fees ### Bima Ilisaidia\! Insurance Helped\! Jumla ya Fidia Iliyolipwa: Total Benefit Paid: TSh 420,000 \(14 usiku × TSh 30,000 kwa usiku\) \(14 nights × TSh 30,000 per night\) Juma alilipa tu TSh 1,750 kwa mwezi\! Juma only paid TSh 1,750 per month\! ### Matokeo Outcome * ✓ Familia ya Juma ilikuwa na pesa za kukidhi mahitaji ya msingi wakati wa wiki 2 Juma's family had money to meet basic needs during the 2 weeks * ✓ Watoto waliendelea kwenda shule bila kusumbuliwa Children continued going to school without disruption * ✓ Juma aliweza kufuatilia tiba yake bila wasiwasi wa pesa Juma could focus on his treatment without financial worry * ✓ Familia haikuhitaji kukopa pesa au kuuza mali yao Family didn't need to borrow money or sell their belongings ## Tofauti: Na Bima vs Bila Bima The Difference: With Insurance vs Without Insurance ✗ ### BILA BIMA WITHOUT INSURANCE • Familia inalazimika kuchuma fedha za hospitali haraka Family must quickly raise hospital funds • Lazima uuze mali au ukope pesa kwa riba Must sell property or borrow money at high interest • Watoto wanaweza kuachwa shule kwa ukosefu wa pesa Children may leave school due to lack of funds • Wasiwasi mkubwa na mzigo wa kifedha Major worry and financial burden ✓ ### NA BIMA WITH INSURANCE ✓ BIMA inalipa gharama za hospitali mara moja INSURANCE pays hospital costs immediately ✓ Familia inapata pesa za kukabiliana na gharama za kila siku Family receives money to handle daily expenses ✓ Watoto wanaendelea shule bila usumbufu Children continue school without disruption ✓ Amani ya akili na usalama wa kifedha kwa familia Peace of mind and financial security for the family [ Pata Bei Get Quote ](/bima-ya-ajali-ombi) ## Maswali Yanayoulizwa Mara Kwa Mara Frequently Asked Questions ### Je, ninahitaji kufanya uchunguzi wa afya? Do I need a medical checkup? Hapana\! Hakuna uchunguzi wa afya unahitajika. Piga simu au \*150\*01\# tu. No\! No medical checkup required. Just call or dial \*150\*01\#. ### Je, ajali zipi zinazofunikwa? What accidents are covered? Ajali zote za barabara, kazini, nyumbani, au mahali popote. Ikiwa ni ajali, unalindwa. All accidents - road, work, home, or anywhere. If it's an accident, you're covered. ### Nitapata malipo kwa muda gani? How long until I get payment? Malipo yanafanywa haraka baada ya kuwasilisha hati sahihi. Kawaida siku 7-14. Payment is made quickly after submitting correct documents. Usually 7-14 days. ### Je, familia yangu inalindwa pia? Is my family also covered? Mpango huu unalinda wewe pekee. Kwa familia nzima, wasiliana nasi kwa mpango maalum. This plan covers you only. For whole family coverage, contact us for special plan. ## Tayari Kujiandikisha? Ready to Register? Linda familia yako leo kwa TSh 1,750 tu kwa mwezi Protect your family today for only TSh 1,750 per month [ Pata Taarifa Get Info ](/bima-ya-ajali-ombi) [ 0659 071 001 ](tel:0659071001) Au piga \*150\*01\# | WhatsApp: Or dial \*150\*01\# | WhatsApp: [0658 104 193](https://wa.me/255658104193)