Zi Wa Ka

Health Insurance

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

Apply ZIWAKA

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.

Premium

-From (5,600) MMK

Age limit

-The age of the insured must be between (6) and (75). Persons between ages from (6) to (18) years can be insured only through their parents or the guardian.

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
Age Group	6 Month	1 Year	6 Month	1 Year	Basic coverage Amount
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
Age Group	6 Month	1 Year	6 Month	1 Year	Basic coverage Amount
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
Age Group	6 Month	1 Year	6 Month	1 Year	Basic coverage Amount
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)

User Guide

User Guide for ZI WA KA Health Insurance

Step -1

U-Life ( ယူလိုက်ဖ် ) စာမျက်နှာရှိ “ Apply ZIWAKA” “ ဇီ၀က အာမခံ လျှောက်ထားရန်” အားနှိပ်ပြီး မိမိ၏ MPT ဖုန်းနံပတ်ကို screen မှာ ပြသထားသည့်အတိုင်း ထည့်ကာ OTP Code ရယူပြီး စာတိုအနေဖြင့် ပေးပို့လာသော OTP အမှတ် ကိန်းဂဏန်း ၆ လုံးကိုထည့်ပြီး Proceed ကိုနှိပ်ပါ။

Step -2

ကျန်းမာရေ:အာမခံအသစ်ဝယ်ယူမည်ကို screen တွင်ပြသထားသည့်အတိုင်းနှိပ်ပြီး ကျန်းမာရေးအာမခံ အကျိုးခံစားခွင့်များ ကိုကြည့်ရှုနိုင်ပြီး (ယခင်အဆိုပြုထားမှုများကို ကြည့်ချင်ပါက “Check Application Status” ကိုနိုပ်ခြင်းဖြင်းလည်း မိမိ၏ကျန်းမာရေးအာမခံလျှောက်လွှာ မည်သည့်အဆင့်တွင်ရောက်ရှိ နေကြောင်းကို ဝင်ရောက်ကြည့်ရှုနိုင်ပါသည်။)

Step -3

“Click to download Product Information” အားနှိပ်ပြီး ကျန်းမာရေးအာမခံနှင့်ပတ်သက်သည့်အချက်အလက်များကိုကြည့်ရှုနိုင်ပြီး ကျန်းမာရေ:အာမခံဝယ်ယူလိုပါက “ဆက်လက်ဆောင်ရွက်မည်” “Proceed” ကို နိုပ်ပါ။

Step -4

မိမိ၏ အသက် ၊ အသုံးပြုလိုသည့် ငွေပမာဏနှင့် ငွေပေးချေလိုသည့် ကာလတို့ ကို screen တွင် ပြသထားသည့်အတိုင်း ရေးချယ်ထည့်သွင်းပါက အထက်တွင် မိမိရွေးချယ်ခဲသည့် budget အတိုင်း ကမ်းလှမ်းထားသည့် package ၂ မျိုး ပေါ်လာမည်ဖြစ်ပြီး ထို package ၂ မျိုးထဲမှ မိမိကြိုက်နှစ်သက်ရာကို “Select” ရွေးချယ် နိုပ်ပါ။

Step -5

မိမိ၏ ကိုယ်ရေးအချက်အလက်များကို ဖြည့်သွင်းစစ်ဆေးပြီးလျှင် “Proceed” ကိုနှိပ်ပါ။

Step -6

မိမိမှ အကျိုးခံစားခွင့် လွှဲပြောင်းပေးလိုသူ၏ ကိုယ်ရေးအချက်အလက်များအား ထပ်မံ
ဖြည့်သွင်းစစ်ဆေးပြီးလျှင်“Proceed” ကိုနှိပ်ပါ။

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

အထက်ပါအဆင့်များ အားလုံးပြီးဆုံးပါက ပြသထားသည်အတိုင်း အဆိုပြုမှုအောင်မြင်ကြောင်း ပေါ်လာ မည်ဖြစ်ပြီး, ထည့်သွင်းထားသော ဖုန်းနံပါတ်သို့ SMS message ပို့ပေးပါမည်။ SMS message ဝင်လာပြီးလျင် “Proceed to Payment” ကို ပုံတွင်ပြသထားသည့် အတိုင်း နိုပ်ပါ။

Step -10

မိမိကြိုက်နှစ်သက်ရာ ငွေပေးချေမှုနည်းလမ်းကို ရွေးချယ်ပါ။ MPT Money (သို့မဟုတ်) MPT Main Balance ဖြင့် ပေးချေနိုင်ပါတယ်။

Step -11

ငွေပေးချေမှု ပြီးဆုံးပါက အောင်မြင်သည့် payment successful စာကိုတွေ့ရမည်။

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။

Online Claim

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)

5. Transfering the Claim Payment

Policy Holder will get their claim benefit by following way:

Policy Holder will receive their claim amount by mobile payment

Policy Holder will receive their claim amount by bank transfer

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?

Health Insurance is the type of the insurance which reduces the expenses of hospitalization to some extent.

2. What are the benefits of health insurance?

If you are hospitalized due to an accident or illnesses, health insurance will get the benefit of hospitalization based on the coverage amount of health insurance which you purchased by calculating the quantity of the inpatient days.

3. Who is eligible to buy Health Insurance?

Eligible to anyone who is under the age of 75 from the age of 6 and for those under the age of 18, the guardian will be policy holder and can purchase the policy.

4. Can I buy health insurance for my family?

Yes, family members must be between the age of 6 and 75, and for those under the age of 18, the guardian will be policy holder and can purchase the policy.

5. My father/mother has hypertension or other illnesses and is it ok to buy health insurance?

Health insurance can only be purchased for those who do not have the disease and intend to get coverage when they hospitalize.

6. Is it eligible for me to buy health insurance as I have a previous history of the disease?

While submitting a proposal of ZIWAKA, please honestly fill the declaration form with the righteous information of your condition and our company will inform whether it is eligible to buy or not.

7. How is the health insurance coverage duration determined?

The health insurance coverage period is one year and for policyholders who make semi-annually payment, the policy will be terminated if the second instalment is not paid within 15 days after 6 months.

8. Is there a refund if you no longer want health insurance after purchase?

There is no refund after the purchase of health insurance.

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?

There is no discount for the next year purchase even if you do not make a claim compensation throughout the health insurance period.

10. How much does it cost to buy Health Insurance?

Health insurance premium depends on the age of the insured person. For example, a person under the age of 30 will have to pay 11,000 kyats for a one-year subscription. For 6 months, it will only cost 5,600 kyats.

11.How is the payment of the health insurance purchase? Do I have to pay in cash?

You can buy health insurance premium with MPT money or MPT phone bill.

12. What if I have no cash left in my MPT money account to buy health insurance?

If you have no cash left in your MPT money account to buy health insurance, you can top up your phone bill.

13. Can I buy health insurance in instalments?

Health insurance premiums can be paid for 1 year or 6 months.

14. Do we need to do medical check-up for purchasing health insurance?

You do not need medical check-up for purchasing health insurance. You have to fill out the declaration and proposal with honesty / good faith. If it is required, you need to send the copy of your medical record history and your previous check-up to us.

15. Is it eligible only for local hospital or does foreign hospital and clinics include coverage for health insurance?

Health insurance is eligible to cover the local as well as foreign hospitals and clinics.

16.When will the health insurance cover start?

After the payment of the health insurance premium, the coverage will start. For the claim relating to hospitalization due to Covid19 is valid only after the 21 days of policy start date.

17. Which evidence will we get after the purchase of health insurance?

After the purchase of the health insurance, GGI Nippon Life will send the policy contract (E-policy) via Viber or email.

18. Will we claim for hospitalization on the purpose of childbirth?

If you are hospitalized for childbirth, you are not entitled to get claim.

19. What about going to clinic for curing illnesses?

For going to clinics due to illnesses as an outpatient, it will be covered if you buy additional option coverage in the health insurance.

20. What will we get claim compensation if we are hospitalized? What are the maximum claim compensations?

You must be admitted to the hospital for a maximum of 60 days continuously or discontinuously. However, those who are hospitalized for less than 4 days are not entitled to claim compensations and are entitled to benefits starting from 4 days to 60 days.

21.How do we get claim for the hospitalization while admitting to the hospital or after the discharge from the hospital?

You have to inform the insurance company while admitting to the hospital and you can ask for claim compensation after the discharge from the hospital by calculating the days of your hospitalization.

22. How long will the claim process take?

If there is complete document while asking for the claim, we will process within 3 days to 7 days.

23. How can claim compensation be issued? Is it ok to draw the claim compensation out on behalf of the insured person?

You can draw out the claim with proxy (General Power/ Special Power) letter.

24. How long does it take to make a payment for the premium fee after submitting the proposal through ZIWAKA?

It takes only 10 minutes to make a payment for the premium fee after submitting the proposal from the 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.

26. If you die in the hospital, will you still receive the benefit of hospitalization day or only get the death benefit?

If you die in the hospital, you can get not only death benefits but also the benefit of the hospitalization days.

27. Is it eligible for government employees to buy it?

Yes, government servant / employees can also buy it.

28. Is it eligible for military personnel to buy it?

Military personnel can also buy it, but the claim relating with wars or war alike situations cannot get the claim benefit.

29. While admitting to hospital, when will claim process start to cover?

For those who are hospitalized for less than 4 days, claim compensation will not be covered and it will start from the day 4 to 60days.

30.How can I do if it takes too long to get reply after submitting the proposal through application?

If it takes too long to get reply message after submitting the proposal through ZIWAKA, please contact us (09400083003 and 09400083004).

31. How can I do if it takes too long to get reply after submitting the proposal and also making a payment through ZIWAKA?

If it takes too long to get reply after submitting the proposal and also making a payment through ZIWAKA, please contact us (09400083003 and 09400083004).

32. How can I do if I have a question relating to the declaration form?

If you have a question relating to the declaration form, please contact us (09400083003 and 09400083004).

33. How can I do if there is an error while filling in the ZIWAKA?

If there is an error while filling in the ZIWAKA, please contact us (09400083003 and 09400083004).

34. How long does it take to get a policy after transferring a payment for the premium fee through ZIWAKA?

After transferring premium fee from the app, the policy contract will be sent by Viber or Email within 5 working days.

35.For those who only pay for 6 months, will you be notified when the time comes to make another payment?

For those who only pay for 6 months, we will send you an SMS when the time comes to make another payment.

36. Will foreigners be valid to buy health insurance?

Yes, foreigners can also buy health insurance with MPT money or MPT phone bill.

37. Is it covered even if the COVID-19 s positive?

It is covered even if COVID-19 is positive. Please also note that there will be a 14-day waiting period for any COVID 19 related claims for all policies issued from the policy effective date.

38. If I can join SSB at my company, do I need to purchase?

SSB is generally an in-kind benefit and is limited to treatment at a designated medical institution, but in the case of Health Insurance, the insurance payment is paid in cash. Therefore, it is possible to receive treatment at the desired hospital using that money.

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