--- title: "Masharti na Vigezo - MILVIK Tanzania | Terms & Conditions" description: "Masharti na vigezo vya sera za bima za MILVIK Tanzania. Terms and conditions for MILVIK Tanzania insurance policies." keywords: "masharti, terms and conditions, sera, policy, MILVIK, bima" url: "https://www.milvik.co.tz/masharti" language: "en" --- Masharti na Vigezo Our # Masharti na Vigezo Terms & Conditions Taarifa muhimu kuhusu sera zetu za bima Important information about our insurance policies ![BIMA Professional](https://jiaz0tia4t.koniglecdn.com/images/smiling-african-doctor_yRai1VR.webp) Bima ya Maisha Life Insurance ## MILVIK Bima ya Maisha - Masharti MILVIK Bima ya Maisha - Terms ### Muda wa Sera: Policy Term: MILVIK Bima ya Maisha ni sera inayoweza kufanywa upya kila mwezi. Malipo yaliyolipwa katika mwezi wa sasa yanatoa ulinzi kwa mwezi unaofuata. MILVIK Bima ya Maisha is a monthly renewable policy. The premium paid in the current month provides cover for the following month. ### Uwezo wa Kujiunga: Eligibility: MILVIK Bima ya Maisha inapatikana kwa watu wazima wenye umri wa miaka 18 hadi 64 wakati wa usajili. MILVIK Bima ya Maisha is available to adults aged 18 years old to 64 years old at time of registration. Umri wa juu wa ulinzi ni miaka 69 kwa mwenye sera na ndugu wa watu wazima aliyelindiwa. Wakati umri wa juu unapofikiwa, ulinzi utakoma kwa maisha husika. The maximum age of cover is 69 years for the policyholder and adult insured relative. When the maximum age for cover is reached, the cover will terminate for the respective lives. ### Kipindi cha Kusubiri: Waiting Period: Ulinzi wa bima unaanza kutoka siku ya kwanza ya mwezi unaofuata baada ya malipo ya awali kufaulu. Insurance cover starts from the first day of the next month following successful payment of premium. ### Mambo Yasiyojumuishwa: Exclusions: * Vita War * Hatari za kinyuklia, kibiolojia na kikemikali Nuclear, biological and chemical risks * Hali zilizokuwepo ndani ya mwaka 1 wa usajili wa sera Pre-existing conditions within 1 year of policy registration * Kujiua au kujijeruhi Suicide or self-inflicted injury * Upasuaji wa hiari au wa urembo Elective or cosmetic surgery * Utumiaji wa pombe au dawa haramu Alcohol abuse or illegal drug use ### Kukosa Kulipa: Lapses: Baada ya kutolipa malipo kwa miezi mitatu \(3\) mfululizo ya kalenda, sera ya MILVIK Bima ya Maisha itakoma. Baada ya sera kukoma, mteja ataondolewa kiotomatiki na ukataji wa malipo utasimama. Following the non-payment of premiums for three \(3\) consecutive calendar months, the MILVIK Bima ya Maisha policy will lapse. After a policy is lapsed, the customer is automatically deregistered and premium deductions stops. ### Kufuta Usajili: Cancellation: Piga \*148\*15\# kujisajili mwenyewe au piga 0659071001 kupata msaada. Tutashughulikia kufuta usajili wako mara moja na utaacha kukatwa malipo siku inayofuata. Dial \*148\*15\# to self deregister or call 0659071001 to get assistance. We will process your de-registration immediately and you will stop being deducted premium the following day. Hakuna kurudishiwa malipo au bonasi ya madai ikiwa usajili utafutwa. There is no refund of premium or no claim bonus in case of cancellation. Bima ya Kulazwa Hospitalization Insurance ## MILVIK Bima ya Kulazwa - Masharti MILVIK Bima ya Kulazwa - Terms ### Muda wa Sera: Policy Term: MILVIK Bima ya Kulazwa ni sera inayoweza kufanywa upya kila mwezi. Malipo yaliyolipwa katika mwezi wa sasa yanatoa ulinzi kwa mwezi unaofuata. MILVIK Bima ya Kulazwa is a monthly renewable policy. The premium paid in the current month provides cover for the following month. ### Uwezo wa Kujiunga: Eligibility: MILVIK Bima ya Kulazwa inapatikana kwa watu wazima wenye umri wa miaka 18 hadi 64 wakati wa usajili. Watoto waliolindwa wanaweza kuwa na umri wa mwezi 1 hadi miaka 17 wakati wa usajili. MILVIK Bima ya Kulazwa is available to adults aged 18 years old to 64 years old at time of registration. Insured children can be from 1 month to 17 years old at time of registration. Umri wa juu wa ulinzi ni miaka 69 kwa mwenye sera na ndugu wa watu wazima aliyelindiwa, na miaka 18 kwa ndugu mtoto aliyelindiwa. Wakati umri wa juu unapofikiwa, ulinzi utakoma kwa maisha husika. The maximum age of cover is 69 years for the policyholder and adult insured relative, and 18 years for the child insured relative. When the maximum age for cover is reached, the cover will terminate for the respective lives. ### Kipindi cha Kusubiri: Waiting Period: Ulinzi wa bima unaanza kutoka siku ya kwanza ya mwezi unaofuata baada ya malipo ya awali kufaulu. Msaada wa Dawa unakuwa unapatikana baada ya kipindi cha kusubiri cha miezi 3. Kipimo cha afya kinakuwa kinapatikana baada ya kipindi cha kusubiri cha mwaka 1. Insurance cover starts from the first day of the next month following successful payment of premium. Medication Support becomes available after a 3-month waiting period. Health screening becomes available after a 1-year waiting period. ### Kikomo cha Kila Mwaka: Annual Limit: **Fidia ya hospitali:** Usiku 70 kwa mwaka \(Familia\), usiku 90 kwa mwaka \(Familia+\) **Hospital cash cover:** 70 nights/year \(Family\), 90 nights/year \(Family+\) ### Mambo Yasiyojumuishwa: Exclusions: * Utumiaji wa pombe na dawa za kulevya haramu Abuse of alcohol and illegal narcotics * Hali zilizokuwepo au magonjwa sugu kabla ya ulinzi wa bima. Kipindi cha kusubiri ni miezi 6 baada ya usajili wa sera. Pre-existing conditions or chronic illness before the insurance cover. The waiting period is 6 Months after policy registration. * Kwa uzazi, kipindi cha kusubiri ni miezi 9. For maternity, the waiting period is 9 Months. * Upasuaji wa hiari wa urembo Cosmetic Elective surgery * Vita, mgomo, ghasia, hatari za kinyuklia au kibiolojia. War, strike, riot, nuclear or biological losses. ### Kukosa Kulipa: Lapses: Baada ya kutolipa malipo kwa miezi mitatu \(3\) mfululizo ya kalenda, sera ya MILVIK Bima ya Kulazwa itakoma. Baada ya sera kukoma, mteja ataondolewa kiotomatiki na ukataji wa malipo utasimama. Following the non-payment of premiums for three \(3\) consecutive calendar months, the MILVIK Bima ya Kulazwa policy will lapse. After a policy is lapsed, the customer is automatically deregistered and premium deductions stops. ### Kufuta Usajili: Cancellation: Piga \*148\*15\# kujisajili mwenyewe au piga 0659071001 kupata msaada. Tutashughulikia kufuta usajili wako mara moja na utaacha kukatwa malipo siku inayofuata. Dial \*148\*15\# to self deregister or call 0659071001 to get assistance. We will process your deregistration immediately and you will stop being deducted premium the following day. Hakuna kurudishiwa malipo au bonasi ya madai ikiwa usajili utafutwa. There is no refund of premium or no claim bonus in case of cancellation. ## Una Maswali? Have Questions? Timu yetu ipo tayari kukusaidia kueleza masharti yoyote Our team is ready to help explain any terms [ 0659 071 001 ](tel:0659071001) [ WhatsApp ](https://wa.me/255658104193)