About dfcu BlueCare

1. What is dfcu BlueCare?

dfcu BlueCare in partnership with Jubilee Insurance, is a dfcu Bank Medical Insurance product specifically designed to address and meet the ever-increasing health challenges of our customers at an affordable cost, with a wide range of enhanced cover limits & benefits.

2. Who is dfcu BlueCare designed for?

• Individuals looking for a­ffordable medical insurance; for self, loved ones and employees.
• Families that want predictable health costs and peace of mind.
• Everyday hustlers – salaried, self-employed and traders.

Plans & Coverage Options

3. Which plan tiers are available under dfcu BlueCare?

Customers can choose from four flexible insurance plan tiers depending on their needs and budget.

• Bronze Plan – Essential protection.
• Silver Plan – Enhanced everyday cover.
• Gold Plan – Comprehensive protection.
• Diamond Plan – Premium, high-limit coverage.

4. Can I add my dependents or family members to my plan of choice?

Yes. You can add your spouse, children or other dependents under a plan tier of your choice.

Benefits

5. What value and benefits come with dfcu BlueCare?

• Treatment of pre-existing, chronic, and congenital conditions
• Inpatient and outpatient medical care
• Dental and optical benefits
• Maternity cover
• Wide network of service providers across the country
• Commercial air evacuation outside Uganda
• Repatriation of mortal remains and funeral expense support
• Access to telemedicine services
• Chronic illness management programme
• Hospital cashback benefit for the main member (up to 14 days)
• Child cash education benefit
• Grocery shopping voucher benefit
• Critical illness and total permanent disability benefit
• Health check-ups (subject to utilisation review)

Accessing Healthcare Services

6. Which hospitals are enlisted for the service?

You can access treatment at all hospitals accredited under the Jubilee Health Insurance network provider across Uganda.

Please refer to the list of Jubilee Health Insurance providers, here.

7. How can customers access dfcu BlueCare services while at these hospitals?

Customers must always carry their Jubilee Medical Insurance card whenever they wish to access treatment, from any of the listed Jubilee Health Insurance hospitals.

The Insurance cover must be confirmed in writing and premiums paid to Jubilee Health Insurance for the benefits to be effective.

8. Do I need to make an appointment before visiting a hospital?

For specialised visits or treatment, we advise customers to set an appointment with the doctor of their choice, prior to their visit.

For emergency admissions, the hospital will contact Jubilee Insurance within 48 hours of admission.

9. Is consultation covered?

Yes. Consultation fees are covered under your Inpatient or Outpatient benefit limits depending on the nature of the visit.

10. Do I need to pay while at the hospital or is it billed directly to the Insurer?

Treatment is settled directly with the hospital within the accredited network, if you present your valid Jubilee Medical Insurance card.

Joining & Waiting Periods

11. How soon do I start benefiting from my insurance plan, once I have joined?

Accident-related treatment is covered immediately while illness-related treatment has a 30-day general waiting period.

12. Are there waiting periods for certain treatments?

• Pre-existing, chronic, congenital, psychiatric and HIV-related conditions: 6 months
• Major surgeries: 12 months
• Selected procedures (e.g. fibroids, tonsillectomy, adenoidectomy, haemorrhoidectomy etc.): 12 months
• Cancer treatment: 24 months
• Organ transplant: 24 months
• Gynaecological & prostrate surgery: 24 months
• MRI, CT scan: no waiting period, but pre-authorization from Jubilee Insurance
• All scheduled admissions must be pre-authorized at least 48 hours before admission.

Premium Payments

13. How much does dfcu BlueCare cost?

Premiums vary by plan selected and are payable annually.

14. What are the associated costs attached to each dfcu BlueCare plan?

Below are the dfcu BlueCare annual premium costs and benefits (per Individual).