INGOBOKA CASH FAQS

FAQs

 

1. What is Ingoboka Cash?

When you get injured or sick and have to stay in a hospital for a long time, it can cost a lot of money to pay for medicines, transport, food, and other items. You’re also missing work when you’re in the hospital which means you’re not earning your normal income.  Ingoboka Cash are insurance products for Tigo Cash customers that help protect you in case you stay for 3 or more nights in the hospital in a row. 

 

2. 

Is Ingoboka Cash y’ubuntu the same as Ingoboka Cash yishyuwe?

They provide the same type of benefits but there are slight differences.

Ingoboka Cash y’ubuntu is offered free to certain Tigo Cash customers for a limited time.

Ingoboka Cash yishyuwe is also offered to Tigo Cash customers, but customers pay a small premium for this product in return for a larger level of insurance cover.

Both products cover you in case you stay 3 nights or more in a hospital in a row.  This benefit is paid directly to the policyholder via Tigo Cash.

See the different FAQ sections for more details.

 

Ingoboka Cash y’ubuntu

1.    

How much does Ingoboka Cash y’ubuntu cost?

Ingoboka Cash y’ubuntu Insurance is FREE to certain Tigo Cash customers. See the qualification criteria below.

 

2.    

How do I qualify for Ingoboka Cash y’ubuntu?

First, you must complete a one-time registration by dialing *200*10# and following the prompts.   After that, you will automatically have cover if you meet the qualifying criteria below.

If you are a Tigo Cash user, you qualify for Ingoboka Cash y’ubuntu by spending at least 1000 with Tigo in one month to get free coverage for the next month.  So, for example, if you spend at least 1000 in January, you will receive free insurance in February.  You must continue to spend at least 1000 each month to get coverage for the next month. 

 

3.    

What are the benefits for Ingoboka Cash y’ubuntu?

The more you spend, the more benefits you receive.

Tigo Cash customer spend per month

Benefit per night in hospital

1000-2999 Rwf.

4,000

3000-4999 Rwf.

8,000

5000+ Rwf (or save 5000+ with Tigo Sugira)

12,000

 

Ingoboka Cash y’ubuntu will pay you an amount per night that you stay overnight in a hospital.  Customers are eligible for this benefit if they have stayed 3 or more nights in a row in a hospital.  There is a maximum benefit equivalent to 30 nights during a 12-month period.

The benefit amount is not meant to cover the costs of medical care, but can be used as you wish. For example, it could be used to replace some of the income lost due to hospitalization or to cover some of the additional costs often incurred along with hospitalization like medicines, food, or transportation. The benefit amount will be paid via Tigo Cash to you as the Tigo subscriber.  See examples in the table below:

Number of nights in a row spent in hospital for a customer spending between 1000-2999

Benefit of 4,000 per night

1

None

2

None

3

12,000

4

16,000

9

36,000

17

68,000

 

4.    

When does my cover start?

Your cover will start immediately when you register for insurance provided you have qualified for cover based on your previous months’ Tigo Cash activity.  Each future month the coverage runs from the first day of the calendar month through the last day of the calendar month.

So, for example, if you sign up on April 16, you will receive coverage from April 16-30.  Your next month’s coverage would go from May 1-31.

 

5.    

Who does Ingoboka Cash y’ubuntu cover?

The cover is only for you, the registered Tigo Cash subscriber. If you want to cover additional family members, we recommend you considering purchasing Ingoboka Cash yishyuwe. See below.

 

6.    

How long is my cover for?

Your cover is valid for one calendar month.  If you want to extend cover to the next month, you must meet the criteria again in the current month (spend at least 1000 on Tigo). This product is a Tigo promotion and may be discontinued in the future, with at least one month’s notice given to customers.

 

Ingoboka Cash yishyuwe

1.    

How much does Ingoboka Cash yishyuwe cost?

There are two different plans and each has their own cost.  On the individual plan, you cover only yourself.  On the family plan, you cover yourself, one spouse, and your biological children 18 years old or younger.  You can also choose whether you want to pay for 1 month or 6 months at a time. If you choose to pay for 6 months, you receive a discounted price.

 

 

Tigo Cash – Monthly

Tigo Cash - Six Months

Individual

800 Rwf

4400 Rwf   (8% discount)

Family

3200 Rwf

17600 Rwf  (8% discount)

 

2.    

What are the benefits for Ingoboka Cash yishyuwe ?

Ingoboka Cash yishyuwe will pay you 20,000 per night that you stay overnight in a hospital.  Customers are eligible for this benefit if they have stayed 3 or more nights in a row in a hospital.  There is a maximum benefit equivalent to 30 nights during a 12-month period, for each person covered on the policy.

The benefit amount is not meant to cover the costs of medical care, but can be used as you wish. For example, it could be used to replace some of the income lost due to hospitalization or to cover some of the additional costs often incurred along with hospitalization like medicines, food, or transportation. The benefit amount will be paid via Tigo Cash to you as the Tigo subscriber.  See examples in the table below:

 

Number of nights in a row spent in hospital

Benefit paid

1

None

2

None

3

60,000

4

80,000

9

180,000

17

340,000

 

3.    

How do I sign up for Ingoboka Cash yishyuwe?

To sign up, dial *200*10# and follow the prompts.  No information required if you buy an individual plan. All you need to provide is the ID number of your spouse if you choose the family plan. Simple and fast!

 

4.    

Is my Ingoboka Cash yishyuwe coverage active immediately from when I register for the insurance?

There is a one month waiting period for your full cover to become active after you sign up. However, even in the first month, you will be covered if you’ve paid your first premium AND your hospitalization is the result of an accident. An accident means any unforeseeable event like a vehicle crash. Accident does NOT mean sickness.

 

5.    

How long is my cover for?

This depends. If you choose to pay for one month, your coverage is active for one month. Your coverage will continue as long as premiums continue to be paid each month.

If you choose to pay for six months, your policy will be active for 6 months. Your coverage will continue as long as premiums are paid again after 6 months.

Children’s cover ends when they turn 19.

 

6.    

How do I pay my premiums?

Insurance customers pay their premiums using Tigo Cash.  You can choose to pay for one month or for 6 months at a time.  Dial *200*10# to see when your next premium is due and pay it by entering your Tigo Cash PIN.

But don’t worry, we will notify you by SMS before premiums are due.

 

7.    

What happens if I don’t pay my premium on time?

We give you one month to pay your premium. If we can’t collect your premium amount by the end of the month when it’s due, your cover will be suspended for the next month. If you pay your premium during the cover suspension month, your cover will immediately automatically restart.

If you again don’t pay the premium during the cover suspension month, your policy will be terminated.  If you decide to restart after this point, a new 30-day waiting period will apply.

 

Additional Information

1.    

Who is eligible to for the insurance products?

Any Tigo Cash subscriber over the age of 16 can sign up. If you choose Ingoboka Cash yishyuwe, you (and your spouse, if buying the family plan) must be between 16-60 years old and your children must be 18 or under. Once signed up, coverage can continue indefinitely as long as premiums continue to be paid and the subscriber is alive. Children’s cover ends when they turn 19.

2.    

Isn’t insurance only for the rich?

Not at all! Tigo thinks it’s important to provide insurance products designed for ALL Rwandans.  We spoke with hundreds of Rwandans to design the products that are most valuable for you. And we’ve made sure to keep the premiums affordable.

 

3.    

Is Tigo Insurance a replacement for Mutuelle de Sante?

No, Tigo Ingoboka Cash insurance is meant to work well WITH Mutuelle de Sante.  It’s important that all Rwandans consider buying Mutuelle de Sante. The benefits granted by Ingoboka Cash are different from the ones provided by Mutuelle de Sante as Ingoboka Cash benefits are not based on the cost of care, but rather on a pre-defined nightly amount.   Think of our product as a “top-up” to add additional benefits on top of Mutuelle de Sante.

 

4.    

Can I have both Ingoboka Cash y'ubuntu and Ingoboka Cash yishyuwe at the same time?

Yes, you can have both products at the same time.

 

5.    

Is there a maximum amount I can get paid?

You are only able to collect a maximum payout equal to 30 nights in the hospital in a 12-month period for each product. This applies separately for each covered person. (i.e. each family member on a family plan can get paid for 30 nights in 12 months).

 

6.    

Which hospitals can I stay in?

You can stay in any registered clinic or hospital recognized by the Ministry of Health, whether public or private. The stay must be overnight for three nights or more in a row.

 

7.    

What illnesses are covered?

As long as your illness requires you to stay 3 or more nights in a row in the hospital, you will be covered. There are no exclusions on types of illnesses or causes of hospitalisation.

 

8.    

Do these insurance products pay directly to the hospital?

No, these insurance products do not cover the cost of medical care or reimburse you for any medical expenses.  It pays a fixed amount per night for stays of 3 nights or more directly to the subscriber’s Tigo Cash wallet. You can do what you want with the cash benefit, but some suggestions are to help with lost wages, transportation costs, or private medicine.

 

9.    

Do I need to pay for my hospital stay?

Yes, you still need to pay any costs required by the hospital. The Tigo insurance products do not cover the cost of medical care and only pays cash to you once you are discharged from the hospital. If you have a really long stay (10 nights or more), you can start your claim while you’re still in the hospital.

 

10. 

What happens if I get sick and need to be hospitalised?

If you get sick, visit your doctor or go to a clinic or hospital. Your doctor will determine if you need to be hospitalized.  If you are hospitalized and have to stay 3 nights or more, dial *200*10# and chose “Claims” to begin your insurance claim once you are discharged. An insurance agent will call you back. If you have a really long stay (10 nights or more), you can start your claim while you’re still in the hospital.

 

11. 

How do I make a claim?

Dial *200*10# and choose “Claims” to start your claim. An insurance agent will then call you back. They will give you details on next steps. For hospital claims, you will need to submit copies of your ID as well as documents showing date of admission and discharge signed by a doctor or hospital. If you are claiming for a child on a family plan, you will also need to provide a birth certificate, showing they are your biological child. Claims must be submitted within 90 days from the day of discharge from the hospital.

 

12. 

How will my claim be paid to me?

We aim to pay claims in 72 hours or less. If your claim is approved, your benefit will be paid into your Tigo Cash wallet, where you can use it to transact or turn it into cash at a Tigo Cash agent location.

 

13. 

How long can I make a claim after I’m hospitalised?

A claim can be submitted up to 90 days after you are discharged from the hospital.

 

14. 

Do I receive a refund if I am not hospitalised?

Refunds cannot be paid even if you did not claim. Any premiums you have paid are used to fund claims for the unfortunate policyholders who have been hospitalized.

 

15. 

What happens if I can’t pay some months?

We offer flexible payment options so you can pay for 1 month or 6 months at a time.  Some people choose to pay for 6 months all at once, if they know that they might not have money later on.  This prevents them from losing coverage on months when they might not be able to pay.

16. 

What if I want to change my plan or cancel my policy?

Dial *200*10# and follow the prompts.

 

17. 

Can I add other family members besides my spouse and children?

At this point, you can only cover your spouse and children on the family plan.  You can encourage other family members to buy their own policies through their Tigo SIM cards.

 

18. 

Is Tigo an insurance company?

No, your Ingoboka Cash products are insured through Radiant Life Insurance Company.

 

19. 

Are there any other conditions?

These insurance products only apply within the Republic of Rwanda. Only one Ingoboka Cash yishyuwe policy AND one Ingoboka Cash y'ubuntu policy can be active per mobile number.

 

20. 

What is fraud?

Fraud is when somebody tries to cheat an insurance company by making false claims. Fraud could mean making fake documents, lying about your hospital stay, staying longer in hospital than you need to, or doing anything dishonest in order to benefit from this insurance product.  Tigo and Radiant Insurance Company take fraud cases very seriously. Anyone submitting an insurance claim which is dishonest or fraudulent will not be paid. Likewise, they will lose any future insurance coverage and can be prosecuted under the law.

 

21. 

Where do I get more information?

Dial *200*10# or call 100 for more information. You can also get information at any Tigo service centre.