Maswali Yanayoulizwa Mara kwa Mara Frequently Asked Questions

Kiswahili:
Bima ni mfumo wa ulinzi wa kifedha. Unalipa kiasi kidogo kila mwezi, na kama kuna tatizo (ugonjwa, ajali, au kifo), kampuni ya bima inakusaidia kwa pesa. Ni kama akiba ya usalama kwa familia yako.

English:
Insurance is a financial protection system. You pay a small amount every month, and if there's a problem (illness, accident, or death), the insurance company helps you with money. It's like safety savings for your family.

Kiswahili:
Maisha yana mambo yasiyotarajiwa - ugonjwa, ajali, au kifo. Bila bima, unaweza kutumia pesa zote za akiba au kuchukua mkopo. Bima inakusaidia kulipa gharama hizi na kulinda familia yako kiuchumi.

English:
Life has unexpected events - illness, accidents, or death. Without insurance, you might use all your savings or take loans. Insurance helps pay these costs and protects your family financially.

Kiswahili:
1. Unachagua mpango wa bima (kulazwa, maisha, au ajali)
2. Unalipa kiasi kidogo kila mwezi
3. Ukipata tatizo, unawasiliana na BIMA
4. Tunalipa fidia yako haraka (ndani ya siku 3-7)
5. Pesa zinasaidia kulipa hospitali au familia yako

English:
1. You choose an insurance plan (hospitalization, life, or accident)
2. You pay a small amount every month
3. If you have a problem, you contact BIMA
4. We pay your benefit quickly (within 3-7 days)
5. The money helps pay hospital bills or support your family

Kiswahili:
Ni bima inayokulipa pesa ukilazwa hospitalini. Unalipa TSh 2,500-7,500 kwa mwezi, na unapata TSh 60,000-100,000 kwa kila usiku unaokalaza hospitalini. Pia unapata huduma ya daktari bila malipo 24/7 kwa simu.

English:
It's insurance that pays you money when you're admitted to hospital. You pay TSh 2,500-7,500 per month, and you get TSh 60,000-100,000 for each night you stay in hospital. You also get free 24/7 doctor calls by phone.

Kiswahili:
Hospital cash ni pesa unazopata kila usiku unaokalaza hospitalini. Kwa mfano, ukilazwa siku 3, unapata TSh 60,000 × 3 = TSh 180,000. Pesa hizi zinaweza kutumika kulipa hospitali, dawa, au gharama zingine za familia.

English:
Hospital cash is money you receive for each night you stay in hospital. For example, if admitted for 3 days, you get TSh 60,000 × 3 = TSh 180,000. This money can be used to pay hospital bills, medicine, or other family expenses.

Kiswahili:
Ndiyo! Unaweza kwenda hospitali yoyote ya serikali au binafsi. Lakini ni vizuri kupiga simu wakala wetu kwanza ili wakueleze hospitali bora za karibu nawe. Piga 0659 071 001 au WhatsApp 0658 104 193.

English:
Yes! You can go to any government or private hospital. But it's good to call our agent first so they can tell you the best hospitals near you. Call 0659 071 001 or WhatsApp 0658 104 193.

Kiswahili:
• Unalipwa pesa kila usiku unaokalaza hospitalini
• Unapata huduma ya daktari bila malipo 24/7
• Unaweza kupiga simu daktari wakati wowote
• Pesa zinasaidia kulipa bili za hospitali
• Familia yako inalindwa kiuchumi wakati wa ugonjwa

English:
• You get paid for each night in hospital
• You get free 24/7 doctor service
• You can call a doctor anytime
• Money helps pay hospital bills
• Your family is financially protected during illness

Kiswahili:
Ni bima inayowapa familia yako pesa ukifariki. Kama wewe ni mzazi au mlezi wa familia, bima hii inawasaidia watoto na mke/mume wako kuendelea na maisha baada ya kuondoka kwako. Familia yako inapata TSh 1.65M-4M.

English:
It's insurance that gives your family money when you pass away. If you're a parent or family provider, this insurance helps your children and spouse continue with life after you're gone. Your family gets TSh 1.65M-4M.

Kiswahili:
Familia yako ndio wanaopata pesa. Kawaida ni mke/mume wako au watoto wako. Unapotaka kujisajili, utaeleza nani wa familia atapokea pesa ukifariki. Pesa zinalipiwa ndani ya siku 3 baada ya kuwasilisha hati za kifo.

English:
Your family receives the money. Usually it's your spouse or children. When you register, you'll say who in your family will receive the money if you pass away. Money is paid within 3 days after submitting death documents.

Kiswahili:
• Familia yako inapata pesa ukifariki
• Watoto wako wanaweza kuendelea na masomo
• Mke/mume wako anaweza kulipa kodi na gharama za kila siku
• Familia yako haitahitaji kukopa pesa
• Unaamka kila siku ukijua familia yako italindwa

English:
• Your family gets money when you pass away
• Your children can continue with school
• Your spouse can pay rent and daily expenses
• Your family won't need to borrow money
• You wake up every day knowing your family will be protected

Kiswahili:
Ni bima inayokulinda dhidi ya ajali yoyote - barabarani, kazini, au nyumbani. Ukipata ajali inayosababisha kifo au ulemavu, familia yako inapata TSh 500,000-4.86M. Unalipa TSh 1,750 tu kwa mwezi.

English:
It's insurance that protects you against any accident - on the road, at work, or at home. If you have an accident causing death or disability, your family gets TSh 500,000-4.86M. You pay only TSh 1,750 per month.

Kiswahili:
• Ajali za barabarani (pikipiki, gari, basi)
• Ajali kazini (kuanguka, kuchomwa, kuumia)
• Ajali nyumbani (kuanguka, kuchomwa, kuumizwa na kitu)
• Ajali za michezo
• Ajali yoyote ya ghafla isiyotarajiwa

English:
• Road accidents (motorcycle, car, bus)
• Work accidents (falling, burns, injuries)
• Home accidents (falling, burns, object injuries)
• Sports accidents
• Any sudden unexpected accident

Kiswahili:
• Kifo kutokana na ajali: Familia inapata TSh 4.86M
• Ulemavu kamili: Unapata TSh 4.86M
• Ulemavu wa sehemu (mkono, mguu): TSh 1M-3M
• Kulazwa hospitalini baada ya ajali: TSh 30,000 kwa usiku (hadi usiku 40)

English:
• Death from accident: Family gets TSh 4.86M
• Total disability: You get TSh 4.86M
• Partial disability (arm, leg): TSh 1M-3M
• Hospital admission after accident: TSh 30,000 per night (up to 40 nights)

Kiswahili:
Ni huduma ya kupata daktari kwa simu bila kwenda hospitalini. Unaweza kupiga simu 24 saa kwa siku, 7 siku kwa wiki. Daktari atakusikiliza, atakueleza ugonjwa wako, na atakupa ushauri wa dawa. Huduma ni BURE kabisa kwa wamiliki wa bima ya kulazwa!

English:
It's a service to talk to a doctor by phone without going to hospital. You can call 24 hours a day, 7 days a week. The doctor will listen, explain your illness, and give medicine advice. The service is completely FREE for hospitalization insurance holders!

Kiswahili:
Unaweza kupiga WAKATI WOWOTE! Huduma ipo 24/7 - asubuhi, mchana, usiku, au alfajiri. Hata siku za Jumamosi, Jumapili, na sikukuu. Piga *150*01# au 0659 071 001 kwa msaada wa haraka.

English:
You can call ANYTIME! Service is available 24/7 - morning, afternoon, night, or dawn. Even on Saturdays, Sundays, and holidays. Dial *150*01# or call 0659 071 001 for quick help.

Kiswahili:
• Anakusikiliza kuhusu dalili zako
• Anakueleza ugonjwa wako
• Anakupa ushauri wa dawa za kununua
• Anakueleza kama unahitaji kwenda hospitalini
• Anakupa ushauri wa kuzuia ugonjwa
• Anaweza kukuandikia prescription

English:
• Listens to your symptoms
• Explains your illness
• Gives advice on medicine to buy
• Tells you if you need to go to hospital
• Gives advice to prevent illness
• Can write you a prescription

Kiswahili:
Ni rahisi sana!
1. Piga *150*01# kwenye simu yako
2. AU piga simu wakala: 0659 071 001
3. AU tuma WhatsApp: 0658 104 193
4. Wakala atakusaidia kujisajili kwa dakika 5 tu
5. Unaweza kulipa kwa M-Pesa, Airtel Money, au Tigo Pesa

English:
It's very easy!
1. Dial *150*01# on your phone
2. OR call agent: 0659 071 001
3. OR WhatsApp: 0658 104 193
4. Agent will help you register in just 5 minutes
5. You can pay with M-Pesa, Airtel Money, or Tigo Pesa

Kiswahili:
• Piga *150*01# kuangalia hali ya bima yako
• AU piga simu wakala: 0659 071 001
• Utapata SMS ya kuhakikisha ulipolipa
• Unaweza kuuliza hali ya bima yako wakati wowote

English:
• Dial *150*01# to check your insurance status
• OR call agent: 0659 071 001
• You'll get an SMS confirmation when you pay
• You can check your insurance status anytime

Kiswahili:
1. Piga simu wakala mara moja: 0659 071 001
2. Eleza tatizo lako (kulazwa, ajali, au kifo)
3. Wakala atakueleza hati zinazo hitajika
4. Peleka hati (kwa simu au kwa mkono)
5. Pesa zitakulipiwa ndani ya siku 3-7
6. Utapata pesa direct kwenye akaunti yako ya Mixx by Yas

English:
1. Call agent immediately: 0659 071 001
2. Explain your problem (hospitalization, accident, or death)
3. Agent will tell you what documents are needed
4. Send documents (by phone or hand delivery)
5. Money will be paid within 3-7 days
6. You'll get money direct to your Mixx by Yas account

Kiswahili:
Kwa kulazwa hospitalini:
• Barua ya hospitali (discharge note)
• Risiti ya malazi
Kwa ajali:
• Ripoti ya polisi (kama ipo)
• Barua ya hospitali
Kwa kifo:
• Hati ya kifo
• Kitambulisho cha familia
Wakala wetu watakusaidia kupata hati hizi!

English:
For hospitalization:
• Hospital letter (discharge note)
• Receipt for stay
For accident:
• Police report (if available)
• Hospital letter
For death:
• Death certificate
• Family ID
Our agents will help you get these documents!

Kiswahili:
📞 Simu: 0659 071 001
💬 WhatsApp: 0658 104 193
📱 USSD: *150*01#

Wakati wa Huduma: 24/7 (siku zote, saa zote)

English:
📞 Phone: 0659 071 001
💬 WhatsApp: 0658 104 193
📱 USSD: *150*01#

Service Hours: 24/7 (all days, all hours)

Kiswahili:
Piga simu wakala wetu MARA MOJA: 0659 071 001

Timu yetu ya msaada iko tayari kukusaidia na:
• Shida za malipo
• Maswali kuhusu bima yako
• Msaada wa kudai
• Kubadilisha taarifa zako
• Shida yoyote nyingine

Tunajibu HARAKA - ndani ya dakika 5!

English:
Call our agent IMMEDIATELY: 0659 071 001

Our support team is ready to help you with:
• Payment problems
• Questions about your insurance
• Claims assistance
• Changing your information
• Any other problem

We respond QUICKLY - within 5 minutes!