Zi Wa Ka – Health Insurance is to cover for hospitalization due to diseases such as COVID-19 and death, customers can cover with yearly premium rate starts from 5,600 MMK
Who can be insured
All MPT users, Myanmar citizens and foreigners residing in Myanmar for various reasons can purchase ZIWAKA Health Insurance product from MPT platform.
To check premium and coverage
You can check premium and coverage at step 6 of purchase system.
1: Provide your Date of Birth, Annual Budget and Payment Term as per below.
2: The most suitable health policy will appear based on the input in No.1.
3: You can adjust the premium and coverage by changing annual budget and payment
term.
4: Premium will be shown under the Payment Column.
Note: Customer can check the basic unit (1 unit) amount and coverage in below table.
Insurance period | One year beginning from the date of premium payment |
---|---|
Sum Insured | Minimum (1,000,000) MMK up to maximum MMK (10,000,000). |
Waiting Period | After successful payment of premium GGI will reply the policy status within (5) working days. |
Payment Method | MPT Mobile Balance , MPT Pay |
Basic Cover
Age Group | Minimum ( 1 unit ) | Maximum ( 10 unit ) | Basic coverage Amount | ||
6 Month | 1 Year | 6 Month | 1 Year | ||
6 to 30 | 5,600 | 11,000 | 5,600 | 11,000 | • For hospitalization - 10,000 MMK Per day (60 days maximum) • For death - 1,000,000 MMK |
31 to 40 | 7,300 | 14,300 | 7,300 | 14,300 | |
41 to 50 | 9,000 | 17,600 | 9,000 | 17,600 | |
51 to 60 | 14,600 | 28,600 | 14,600 | 28,600 | |
61 to 75 | 31,400 | 61,600 | 31,400 | 61,600 |
Optional Cover-1
Age Group | Minimum ( 1 unit ) | Maximum ( 10 unit ) | Basic coverage Amount | ||
6 Month | 1 Year | 6 Month | 1 Year | ||
6 to 75 | 8,400 | 16,500 | 8,400 | 16,500 | • For surgical operations with general or spinal anesthesia = 500,000 MMK per unit (or) Minimum 500,000 MMK. • For Miscarriage - 300,000 MMK (Maximum benefit amount of surgical operation and miscarriage cannot exceed 500,000 MMK multiplied by purchase unit) |
Optional Cover-2
Age Group | Minimum ( 1 unit ) | Maximum ( 10 unit ) | Basic coverage Amount | ||
6 Month | 1 Year | 6 Month | 1 Year | ||
6 to 75 | 4,500 | 8,800 | 4,500 | 8,800 | • For clinic/hospital out-patient treatment =2,500 MMK per unit per visit (Up to 4 visits) |
Basic 1-Unit Price for each age group

Coverage (Basic 1-Unit)
For hospitalization – (10,000) MMK Per day [(60) days maximum)] For death – (1,000,000) MMK
Optional Cover-1 (Basic 1-Unit Price )

Optional Cover-1 Coverage (Basic 1-Unit)
For surgical operations with general or spinal anesthesia = (500,000) MMK per unit (or) Minimum (500,000) MMK. For Miscarriage – (300,000) MMK (Maximum benefit amount of surgical operation and miscarriage cannot exceed (500,000) MMK multiplied by purchase unit)
Optional Cover-2 (Basic 1-Unit Price)

Optional Cover-2 Coverage (Basic 1-Unit)
For surgical operations with general or spinal anesthesia = (500,000) MMK per unit (or) Minimum (500,000) MMK. For Miscarriage – (300,000) MMK (Maximum benefit amount of surgical operation and miscarriage cannot exceed (500,000) MMK multiplied by purchase unit)
User Guide for ZI WA KA Health Insurance
Step -1
Step -2
ကျန်းမာရေ:အာမခံအသစ်ဝယ်ယူမည်ကို screen တွင်ပြသထားသည့်အတိုင်းနှိပ်ပြီး ကျန်းမာရေးအာမခံ အကျိုးခံစားခွင့်များ ကိုကြည့်ရှုနိုင်ပြီး (ယခင်အဆိုပြုထားမှုများကို ကြည့်ချင်ပါက “Check Application Status” ကိုနိုပ်ခြင်းဖြင်းလည်း မိမိ၏ကျန်းမာရေးအာမခံလျှောက်လွှာ မည်သည့်အဆင့်တွင်ရောက်ရှိ နေကြောင်းကို ဝင်ရောက်ကြည့်ရှုနိုင်ပါသည်။)
Step -3
Step -4
Step -6
Step -7
မိမိ၏ လက်ရှိ ကျန်းမာရေးအခြေအနေနှင့် ယခင် ကြုံတွေ့ခဲ့ဖူးသော ကျန်းမာရေးအခြေ အနေများကို Health Declaration စာမျက်နှာတွင် ဖြည့်သွင်းစစ်ဆေးပြီးလျှင်“Proceed” ကိုနှိပ်ပါ။ အာမခံထားမည့်သူ၏ ကျန်းမာရေးအခြေအနေကို “Yes” ဟုဖြေဆိုခဲ့သောအပိုင်း များရှိခဲ့သော် ၎င်းတို့နှင့်ပတ်သတ်ပြီး “remark” တွင် မှတ်ချက်ရေးပြီးမှ “Proceed” ကိုနှိပ်ပါ။
Step -8
အထက်ပါအဆင့်များ အားလုံးပြီးဆုံးပါက ZIWAKA တွင် မိမိ၏ အဆိုပြုထားမှု အကျဉ်းချုပ်ပြန်လည် စစ်ဆေးပြီး Campaign Code, Referral Code, Agent Code များ မဖြည့်သွင်းဘဲ “အထက်ဖော်ပြပါ အချက်အလက်များ မှန်ကန်ပါကြောင်း” “ I agree that the provided information are true and correct” နေရာတွင်အမှန်ခြစ်၍ “Proceed” ကိုနှိပ်ပါ။
Step -9
Step -10
Step -12
payment successful ဖြစ်ပြီး GGI မှ လူကြီးမင်း၏ အာမခံ ပေါ်လစီ အသေးစိပ်အတွက် (၅) ရက် အတွင်း ပြန်လည်ဆက်သွယ် အကြောင်းကြားပေးမည်ဖြစ်ပြီး အသေးစိပ် ထပ်မံသိရှိလိုပါက Hotlines : 09 400 083 003 / 09 400 083 004 သို့ နေ့စဥ် တနင်္လာနေ့မှသောကြာနေ့ ( နံနက် ၉ နာရီမှ ညနေ ၅ နာရီအတွင်း ) ခေါ်ဆိုမေးမြန်းစုံစမ်း နိုင်ပါသည်။
1. Contacting GGI Nippon Life
Policy Holder or family member can contact GGI NIPPON LIFE for following matters:
- Hospitalization due to Sickness or Accident
- Due to death of the insured person
- Major Operation and Miscarriage due to Accident
- Clinic / Outpatient Treatment
GGI NIPPON LIFE’s staff will handle the call and carry on the following processes:
- Staff will ask the reason( among four benefit) of the calling.
- Staff will ask the caller’s name
- Staff will ask the policy number
- Staff will record for this claim notification
- Staff will ask to send Necessary Documents through Viber or email after insured person hospitalized, done Operation, done treatment at Clinic
2. Sending Necessary Documents
Policy Holder need send following documents after insured person hospitalized, done Operation, done treatment at Clinic according to following Scenarios:
Hospitalization due to Sickness or Accident
- Photo of his/her policy
- Claim form (which is from GGINL and need to fill up)
- Photo of doctor recommendation letter
- Photo of Hospital Treatment Record
Due to death of the insured person
- Photo of his/her policy
- Claim form (which is from GGINL and need to fill up)
- Photo of the Evidence document for death
GGI NIPPON LIFE will operate the claim with the following processes:
- Collecting the documents which were sent by Policy holder
- Checking to those documents, if not complete, contact to Policy Holder
- Reply Policy Holder, if not align with Terms and Conditions
Sending Necessary Documents (Cont’d)
Policy Holder need send following documents after insured person hospitalized, done Operation, done treatment at Clinic according to following Scenarios:
Major Operation and Miscarriage due to Accident
- Photo of his/her policy
- Claim form (which is from GGINL and need to fill up)
- Photo of doctor recommendation letter
- Photo of Hospital Treatment Record
Clinic / Outpatient Treatment
- Photo of his/her policy
- Claim form (which is from GGINL and need to fill up)
- Photo of doctor recommendation letter
- Photo of Medical Records
GGI NIPPON LIFE will operate the claim with the following processes:
- Collecting the documents which were sent by Policy holder
- Checking to those documents, if not complete, contact to Policy Holder
- Reply Policy Holder, if not align with Terms and Conditions
3. Processing the Claim
GGI NIPPON Life Staff will process the claim with following steps:
- Policy Verification will do with Core System
- Inspecting the documents also medical records and calculation the benefit amount, asking additional documents if necessary
- Submitting the claim case for approval
- Making decision for the claim case whether approve or reject
- TAT of processing the Claim case is not more than 7 working days. (Excluding the requesting essential documents time from Policy Holder)
4. Replying the Claim Situation
GGI NIPPON LIFE’s staff will replying to Policy Holder with following scenarios:
- Staff will explain about the claim case was rejected and continue explain the reason of rejected
- Staff will explain about the claim case was successfully approved and continue explain the benefit amount.
- Staff will ask Policy Holder need to tell his/her bank account numbers to GGINL Staff
- Staff will ask the address of the bank branch which he/she would like to receive (If policy holder does not have bank account)
Policy Holder or family member will receive the replying call with following scenarios:
- Policy Holder will listen the explanation about rejection
- Policy Holder will listen the claim benefit amount.
- Policy Holder need to tell his/her bank account numbers to GGINL Staff
- Policy Holder need to tell the address of the bank branch which he/she would like to receive (If he/she do not have bank account)

Contact For ZIWAKA
For More Info dial our hotlines:
09 400 083 003
09 400 083 004
In every Monday to Friday
9:00 AM to 5:00 PM
ZIWAKA offers special online support to explain Health insurance as you want.
Frequently Asked Question
1. What is Health Insurance?
2. What are the benefits of health insurance?
3. Who is eligible to buy Health Insurance?
4. Can I buy health insurance for my family?
5. My father/mother has hypertension or other illnesses and is it ok to buy health insurance?
6. Is it eligible for me to buy health insurance as I have a previous history of the disease?
7. How is the health insurance coverage duration determined?
8. Is there a refund if you no longer want health insurance after purchase?
9. Will there be a discount if you buy next year with the fact that you do not make a claim compensation throughout the health insurance period?
11.How is the payment of the health insurance purchase? Do I have to pay in cash?
12. What if I have no cash left in my MPT money account to buy health insurance?
13. Can I buy health insurance in instalments?
14. Do we need to do medical check-up for purchasing health insurance?
15. Is it eligible only for local hospital or does foreign hospital and clinics include coverage for health insurance?
16.When will the health insurance cover start?
17. Which evidence will we get after the purchase of health insurance?
18. Will we claim for hospitalization on the purpose of childbirth?
19. What about going to clinic for curing illnesses?
20. What will we get claim compensation if we are hospitalized? What are the maximum claim compensations?
21.How do we get claim for the hospitalization while admitting to the hospital or after the discharge from the hospital?
22. How long will the claim process take?
23. How can claim compensation be issued? Is it ok to draw the claim compensation out on behalf of the insured person?
24. How long does it take to make a payment for the premium fee after submitting the proposal through ZIWAKA?
25. Which evidence will we need to send while purchasing insurance from ZIWAKA?
You have to send the NRC photo and the passport photo which recently taken within 3 months or selfie while purchasing insurance from ZIWAKA. For the purchasing of under 18 (minor), you have to send the birth certificate photo of the child (if not child’s NRC is unavailable) also need to send the NRC of the guardian who will purchase.