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Protect the health of you and your loved ones by getting the best health insurance. Get health insurance to cover all charges for inpatient, outpatient, maternity, dental, optical treatments in wide range of medical providers and hospitals in Kenya and overseas.
Compare health insurance plans for individuals, families and senior citizens from all the leading providers in Kenya. Compare optional extras like outpatient, maternity cover and more online.
Our dedicated medical service team will answer any questions you have and give you expert advice on exclusions, excesses, and terms to help you get the best value medical insurance for you and your loved ones.
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Medical insurance in Kenya is a great tool that can protect the insured from high costs arising out of an illness or an accident provided they are covered on a health policy. This way, it is a great tool for financial planning. The policy is divided into two main categories:
In-patient cover - Which is termed as treatment to a patient who is admitted to a hospital for treatment that requires at least one overnight stay.
Outpatient cover - Treatment to a patient who attends a hospital or clinic for treatment without staying there overnight. Under this section, the insured can also purchase additional cover specifically for optical and dental treatment.
The joining age for most medical insurance policies in Kenya new members is from new born babies at the time of Hospital discharge to 75 years old depending on the health insurance company one opts for. Eligible candidates have the freedom to choose the plan they want it can be Inpatient cover alone or Outpatient cover alone or even both.
There are factors to take into consideration when shopping for a medical cover, one should look for a cover that meets most if not all of his/her basic need when it comes to treatment for example if it will take care of day care treatment, Maternity, antenatal and post-natal care for young ladies who are looking forward to having a child, pre-existing and chronic conditions, dental and optical not forgetting laboratory test and prescribed drugs among others.
There are waiting periods on most medical policies and they vary with different health insurance companies, This is an initial period of membership during which no benefit is payable for a certain procedure or service. Waiting period can also apply to additional benefits when you upgrade from one package or provider to another.
The majority of medical insurance companies in Kenya have opted to partner with hospitals, clinics and specialist providers outside the country for their clients, it is reliable and affordable compared to the local hospitals, clinics and providers. This has in away changed the dynamics in the industry with every company running to that direction to ensure they are better placed and keep their current clients.
It is wise to spread the risks that we carry by having a cover with a reputable health insurance company in Kenya With this, one is better placed to handle any unexpected costs that may arise out of an illness or accident, these can otherwise wreck financial havoc and deplete any little savings and investments that one may have accumulated.