Health insurance in Kenya, for you and the people you care for.
Medical cover for individuals, families and staff, placed with licensed insurers. We help you understand hospital networks, limits and waiting periods before you choose.
- Individual
- Family
- Senior citizens
- SME staff cover
What to compare before you choose
Medical plans differ a lot between insurers. These are the questions we go through with you, using each insurer’s actual policy wording.
Inpatient and outpatient
Does the plan cover hospital admission only, or day-to-day visits too?
Hospital network
Are the hospitals and clinics you use on the insurer’s panel?
Limits
The overall annual limit and the sub-limits for maternity, dental and optical.
Waiting periods
How long before some benefits start after the policy begins.
Existing conditions
How the insurer treats conditions you already have. Always disclose them honestly.
Co-payments and exclusions
What you pay yourself, and what the plan won’t cover at all.
Spread your premium instead of paying it all at once.
Pay in full, in two payments (50:50) or three (40:30:30), or spread it over 10 months with premium financing powered by Invictus.
If you need to claim
Check pre-authorisation
Many planned admissions need the insurer’s approval first.
Keep every document
Invoices, receipts, treatment notes and the discharge summary.
Tell us early
We help you with the insurer’s process and follow up.
For your quote
Insurers usually ask for:
Health insurance questions
Can I add my family to one plan?
Most insurers offer family plans covering a principal member, spouse and children. We show you how each insurer structures them.
Do you arrange medical cover for staff?
Yes. We help businesses arrange group medical cover for employees through licensed insurers.
What happens with conditions I already have?
Insurers treat existing conditions differently, and some limit cover for them. Always disclose them honestly; we explain how each insurer handles them before you buy.
Can I pay my premium in instalments?
Yes, depending on the product and insurer. You can pay in full, in two payments (50:50), in three payments (40:30:30), or over 10 months with insurance premium financing powered by Invictus, which is subject to approval. Your advisor confirms which options apply to your cover.