Wellness Packages

Financial protection from medical emergencies

UTULIVU covers all key medical costs during hospitalization including accommodation, specialist consultations, surgery, medication, and theatre fees — subject to plan limits and clinical approval.

Essential (Silver)

For out-patient and in-hospital services within the restricted network.

$20,000cover

In-hospital accommodation, specialists, theatre, ward, acute dialysis & medicine
Emergency ambulance services (pre-authorized)
Specialized radiology (in & out of hospital)
In-patient maternity (childbirth) & intensive care
Neonatal care, psychiatric hospitalization
Prosthesis & external medical appliances
Major Disease Limit — cancer, transplants, dialysis
Basic & specialised dentistry, optical benefits
Basic consultations & outpatient maternity
International emergency evacuation & repatriation

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Core Hospital (Copper)

Coverage with broader access to standard network hospitals.

$35,000cover

In-hospital accommodation, specialists, theatre, ward, acute dialysis & medicine
Emergency ambulance services (pre-authorized)
Specialized radiology (in & out of hospital)
In-patient maternity (childbirth) & intensive care
Neonatal care, psychiatric hospitalization
Prosthesis & external medical appliances
Emergency treatment outside area of cover (45 days/trip)
Major Disease Limit — cancer, transplants, dialysis
Basic consultations, dentistry & optical (hospital-only plan)
International emergency evacuation & repatriation

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Core (Cobalt)

Specialized radiology included — suitable for individuals and groups.

$45,000cover

In-hospital accommodation, specialists, theatre, ward, acute dialysis & medicine
Emergency ambulance services (pre-authorized)
Specialized radiology (in & out of hospital)
In-patient maternity (childbirth) & intensive care
Neonatal care, psychiatric hospitalization
Prosthesis & external medical appliances
Emergency treatment outside area of cover (45 days/trip)
Major Disease Limit — cancer, transplants, dialysis
Basic & specialised dentistry, optical benefits
Basic consultations & outpatient maternity
International emergency evacuation & repatriation

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Core+ (Gold)

Neonatal care and longer psychiatric stays included.

$90,000cover

In-hospital accommodation, specialists, theatre, ward, acute dialysis & medicine
Emergency ambulance services (pre-authorized)
Specialized radiology (in & out of hospital)
In-patient maternity (childbirth) & intensive care
Neonatal care, psychiatric hospitalization
Prosthesis & external medical appliances
Emergency treatment outside area of cover (45 days/trip)
Major Disease Limit — cancer, transplants, dialysis
Basic & specialised dentistry, optical benefits
Basic consultations & outpatient maternity
International emergency evacuation & repatriation

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Optional Add-On

International emergency evacuation benefits

Available as an optional upgrade on every plan tier — not included by default.

International emergency evacuation & repatriation — USD 200,000 limit (Africa & India)
Return ticket & economy accommodation up to 14 days ($50/day for miscellaneous expenses)
Repatriation of mortal remains — limit $2,750

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Emergency Medical Service (EMS)

24/7 emergency support, whenever a crisis arises

As an additional option, UTULIVU Healthcare ensures that every member has access to fast, reliable, and life-saving Emergency Medical Services. In partnership with trusted emergency response providers, our EMS offering provides round-the-clock support, ensuring immediate assistance when every second counts.

Immediate dispatch of emergency responders
Rapid assessment, stabilization & medical intervention
Coordination with the nearest approved healthcare facility

Having the right cover means little if you can't access reliable care.

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