Medical Insurance in Kenya: Best 10 Health Insurance Companies: 2024 Update
Regarding the best medical insurance in Kenya, everyone is always looking for the best medical insurance companies in Kenya 2024. Looking at the IRA Kenya health insurance report for 2022-2023, medical insurance in Kenya contributed to 34.4% of annual gross written insurance premiums.
Table of Contents
What medical insurance covers in Kenya
When it comes to medical insurance in Kenya covers the following 5 broad areas:
- Inpatient services that cater to hospital admissions following illnesses and accidents. Which is the basic cover and the bare minimum cover needed
- Outpatient services include lab tests and consultations for non-admission cases. This comes at an additional cost on the discussed below
- Maternity services. This comes at an additional cost on the discussed below if it is not a benefit provided for under your inpatient cover.
- Routine dental services such as cleaning and extractions. This comes at an additional cost on the one discussed below and you will need to take outpatient cover to enjoy this benefit.
- Optical/eye services. This comes at an additional cost on the one discussed below and you will need to take outpatient cover to enjoy this benefit.
When it comes to the cost of all medical insurance in Kenya, it is important to know that, the total cost will depend on:
- Age: the older you are the more you pay in premiums
- Limit of inpatient and outpatient you take. The higher the limits the higher the cost
- Family size: the larger the family the higher the premiums.
- If you are looking to have outpatient as part of your benefits, the more premiums you pay.
Read more about what medical insurance in Kenya covers in detail here.
List of health insurance companies in Kenya
The list of health insurance companies in Kenya 2024 in no particular include:
- AAR Insurance
- Jubilee Health Insurance
- UAP Old Mutual is now Old Mutual
- Heritage Insurance
- Britam Insurance
- APA Insurance
- Madison Insurance
- CIC Insurance
- First Assurance
- GA Insurance
- Kenyan Alliance
- MUA insurance
- Pacis Insurance
AAR Insurance
One of the more famous companies regarding medical insurance in Kenya is the AAR health insurance plan. AAR Health insurance packages are:
| AAR health insurance package | Package Limit | Best Outpatient |
| Cover Me | Ksh. 500,000 illness Ksh. 500,000 accident | Best matched with Ksh. 50,000 |
| Bronze | Ksh. 1,000,000 illness Ksh. 2,000,000 accident | Best matched with Ksh. 50,000-75,000 |
| Silver | Ksh. 2,000,000 illness Ksh. 4,000,000 accident | Best matched with Ksh. 50,000-100,000 |
| Silver Plus | Ksh. 4,000,000 illness Ksh. 8,000,000 accident | Best matched with Ksh. 50,000-150,000 |
| Gold | Ksh. 10,000,000 illness Ksh. 10,000,000 accident | Best matched with Ksh. 50,000-200,000 |
| Platinum | Ksh. 20,000,000 illness Ksh. 20,000,000 accident | Best match with Ksh. 50,000-250,000 |
AAR medical insurance rates in Kenya
When it comes to the cost of AAR medical insurance in Kenya, it is important to know that, the total cost will depend on:
- Age: the older you are the more you pay in premiums
- Limit of inpatient and outpatient you take. The higher the limits the higher the cost
- Family size: the larger the family the higher the premiums.
- If you are looking to have outpatient as part of your benefits, the more premiums you pay.
Assuming a family of 4 members, AAR medical insurance rates start from Ksh. 42,000 a year. The AAR medical insurance in Kenya costs as below:
| AAR insurance packages | Cost as from |
| Cover Me | Ksh. 16,361/- |
| Bronze | Ksh. 18,148/- |
| Silver | Ksh. 21,619/- |
| Silver Plus | Ksh. 28,009/- |
| Gold | Ksh. 56,702/- |
| Platinum | Ksh. 116,797/- |
What makes AAR health insurance plans unique?
AAR Medical Insurance Company in Kenya is among the top five biggest medical insurance companies in Kenya with a market share of 14%. This makes AAR Health Insurance a household name in Kenya regarding health insurance in Kenya. AAR health insurance plans include:
- Maternity insurance forms part of inpatient therefore you don’t pay extra.
- Dental and optical insurance form part of outpatient and they are covered up to 10% of the outpatient limit
- The separation between inpatient accident cover and illness cover gives it a competitive edge
- AAR Inpatient cover only is quite affordable for individuals below 50 years old.
- AAR insurance offers a no-claim discount from the third year as long as you don’t claim
- Offers low copayment to tier 1 hospitals
Jubilee Health Insurance
Jubilee Health Insurance is the largest insurance health insurance company in Kenya and controls 17% of the health insurance market share in Kenya.
- J-Care: This is designed for individuals between 18 -65 years
- J-seniors: This is for individuals aged 66-79 years.
- J-Care Juniors: This is designed for children between 0-17 years old.
- J-Care Johari is a micro health insurance product designed for very select hospitals in Kenya and provides an all-in-one kind of cover providing inpatient, outpatient, and maternity.
- Coverbora is a micro health insurance cover providing for only inpatient
Jubilee insurance medical cover packages are as shown:
| Jubilee insurance medical cover packages | Inpatient Limit | Best outpatient limit |
| Classic Limit | Ksh. 500,000 | Ksh. 50,000 |
| Premier | Ksh. 1,00,000 | Ksh. 50,000 |
| Advanced | Ksh. 2,000,000 | Ksh. 80,000 |
| Executive | Ksh. 3,000,000 | Ksh. 100,000 |
| Royal | Ksh. 5,000,000 | Ksh. 150,000 |
| Platinum | Ksh. 10,000,000 | Ksh. 200,000 |
Jubilee insurance medical cover rates
Jubilee health insurance cost and premium rates assuming a family of 4 start from Ksh. 51,000, for kids only Ksh. 21,316 per child and Ksh. 57,952 per senior citizen. Please note that this is inpatient only as it’s the mandatory cover to have for any medical insurance in Kenya.
| Type of Jubilee Insurance health package | Cost as from |
| J-Care | Ksh. 21,316/- |
| J-Seniors | Ksh. 57,952 |
| J-Junior | Ksh. 21,316/- |
| J-Care Johari | Ksh. 25,564/- |
| J-Care Coverbora | Ksh. 6,200/= |
What makes Jubilee medical insurance in Kenya unique?
- High levels of dental and optical cover limits for individuals up to Ksh. 50,000 each
- Provides long-acting family planning options such as Intrauterine Contraceptive Device (IUCD) and Norplant implants Only, cover of up to 2,500 shillings within the outpatient cover
- Well-negotiated and affordable medical examination costs for individuals above 50 years seeking to get their coverage.
- The co-payment for Ksh. 2,000 is as follows:
| Name of Hospital |
|---|
| Nairobi Hospital – Main Facility Only |
| MP Shah Hospital – Parklands |
| Karen Hospital – Karen |
| Aga Khan University Hospital – Parklands only |
| Gertrude’s Children’s Hospital -Muthaiga |
| AAR Hospital, Kiambu Road |
The co-payment for Ksh. 1,000 is as below:
| Name of Hospital |
|---|
| Mater Hospital, Main Hospital |
| Avenue Hospital, Parklands |
| Mediheal Hospital- Parklands and Eldoret |
| Eldoret Hospital |
| St Luke’s Orthopaedic Hospital- Eldoret |
| Mombasa Hospital |
| Premier Hospital, Nyali |
Britam Medical Cover
Britam health insurance in Kenya is one unique product due to how they have structured their medical coverage. It is subdivided into 4 main Britam insurance packages as discussed below. It also helps bring out the way health insurance at Britam is.
How does Britan insurance work?
- Advantage: This is a high-cost cover with unrestricted hospital access to all medical insurance providers. It provides for critical illnesses only at the 10M and 5M inpatient cover limits only. It also covers chronic, congenital, and pre-existing conditions to the full limit
- Premier: It has similar hospital access to the advantage plan including cover for critical illness cover only to the 5M and 10M inpatient limit only. Chronic, congenital, and pre-existing conditions are subject to sub-limits defined in the Britam medical insurance policy.
- Essential 1: Hospital access is restricted to Tier 2 and 3 as defined by Britam Insurance. No coverage is provided for critical illnesses while chronic, congenital, and pre-existing conditions are covered according to the sub-limits
- Essential 2: Hospital coverage is restricted to Tier 3 as defined under the Britam insurance health insurance policy. No cover is provided for critical illness while chronic, congenital, and pre-existing covered are covered according to the sub-limits.
Read more on how the benefits are matched at Britam health insurance.
How much is Britam’s health insurance?
Considering the various health insurance plans that Britam Insurance has to offer, the four variations of Britam’s health milele insurance plan start as below:
| Type of Britam Health Insurance plan | Cost as from |
| Advantage | Ksh. 17,332/- |
| Premier | Ksh. 11,099/- |
| Essential 1 | Ksh. 9,001/- |
| Essential 2 | Ksh. 8,127/- |
How to join Britam’s health milele insurance plan?
Just like any other medical insurance in Kenya provider, you will need:
- Copy of ID/passport
- Copy of KRA pin
- Be of age 18-75 years
- Medical examination for new members who want join aged 55 years and above
- Have NHIF in place
Old Mutual Insurance Medical Insurance Packages
Old Mutual Insurance, formerly, UAP Old Mutual Insurance is one of the leading health insurance companies in Kenya offering a wide variety of health insurance covers in Kenya. Having about 16.75% of the gross written premiums under medical insurance in Kenya in the year 2021 means it is a major player in the market.
Old Mutual medical insurance in Kenya has four cover options as below:
- Afya Imara
- Afya County
- Afya Imara seniors
- Afya Imara Executive
The Afya Imara packages for families and individuals insurance package covers are as below:
| Afya Imara | Outpatient Limit |
| 500,000 | 50,000 – 60,000/- |
| 1,000,000 | 50,000-60,000/- |
| 3,000,000 | 50,000-100,000/- |
| 5,000,000 | 50,000-200,000/- |
| 10,000,000 | 50,000-200,000/- |
Old Mutual Afya County medical insurance in Kenya cover structure is as below:
| Afya County Medical Insurance | Outpatient |
| 100,000 | 25,000/- |
| 250,000 | 25,00-40,000/- |
| 500,000 | 25,000-50,000 |
| 1,000,000 | 25,000-50,000 |
Afya Imara Seniors’ medical insurance in Kenya coverage is as below:
| Afya Imara Seniors Limit | Outpatient limit |
| 500,000 | 100,000 |
| 1,000,000 | 100,000-150,000 |
| 3,000,000 | 100,000-200,000 |
| 5,000,000 | 100,000-200,000 |
| 10,000,000 | 100,000-200,000 |
Afya Imara Executive medical insurance coverage is as below:
| Afya Imara Executive medical insurance | Outpatient limit |
| 10,000,000 | 200,000 |
| 20,000,000 | 250,000 |
Old Mutual medical insurance rates
UAP Old Mutual medical insurance rates are shown below:
| Type of Old Mutual Health Insurance plan | Cost as from |
| Afya Imara | Ksh. 32,257 |
| Afya Imara County | Ksh. 11,184 |
| Afya Imara Junior | Ksh. 32, 954-Unlimited Ksh. 29, 538-Gertrudes only |
| Afya Imara Seniors | Ksh. 116, 352 |
| Afya Imara Executive | Ksh. 222,424 |
What makes Old Mutual health insurance unique?
- Old Mutual medical insurance has critical illness cover that covers specific critical illnesses upon the first diagnosis up to 750,000. These critical illnesses include heart attacks, paralysis, cancer, stroke, and kidney failure
- Up to 5 health insurance packages to fit various budget plans
- Old Mutual insurance offers a no-claim discount from the third year as long as you don’t claim.
APA Medical Insurance Cover
Regarding medical insurance in Kenya, APA Insurance is one of the top medical insurance providers offering a wide variety of health insurance plans. For individual health insurance plans, APA Insurance offers both enhanced and budget-friendly plans.
The two options provided by APA Insurance are:
- Jamii Plus
- Afya Nafuu
APA medical insurance in Kenya packages are provided in the benefits indicated below:
| Type of APA medical insurance plan (Jamii Plus) | Outpatient benefits available |
| 500,000 | Ksh. 50,000-100,000 |
| 1,000,000 | Ksh. 50,000-150,000 |
| 2,000,000 | Ksh. 50,000-150,000 |
| 5,000,000 | Ksh. 50,000-150,000 |
| 10,000,000 | Ksh. 50,000-150,000 |
When it comes to the APA Afya Nafuu medical insurance plan is as below:
| Type of APA medical insurance plan (Afya Nafuu) | Outpatient benefits available |
| 100,000 | Ksh. 30,000 |
| 300,000 | Ksh. 40,000 |
| 500,000 | Ksh. 50,000 |
| 750,000 | Ksh. 75,000 |
| 1,000,000 | Ksh. 100,000 |
APA medical insurance cost
APA medical insurance premiums are as below:
| APA Medical Insurance Plan | Cost as from |
| Jamii Plus | Ksh. 18, 480/- |
| Afya Nafuu | Ksh. 8,900 |
What makes APA medical insurance plans unique?
- Flexibility and ability to match your preferred inpatient limit with an outpatient limit
- The enhanced Jamii Plus is also very fairly priced.
- Low copayment options of the tier 1 hospitals.
- Shorter waiting period for maternity insurance
- APA insurance gives cover for family planning of up to 10,000 within the outpatient
- The APA maternity insurance provides for IVF treatment under it’s maternity cover.
Madison insurance medical cover
Madison Betterlife Cover is a unique medical insurance cover with the way it is structured. The Madison insurance benefits come in options:
- Madison Betterlife premier
- Madison Betterlife executive
- Madison Betterlife budget
The Madison Betterlife premier medical insurance packages are structured as below:
| Madison Premier insurance packages | Associated OutpatientB |
| Betterlife 3,000,000 | Ksh. 100,000 |
| Betterrlife 4,000,000 | Ksh. 150,000 |
| Betterlife 5,000,000 | Ksh. 200,000 |
The Madison Betterlife executive medical insurance packages are structured as below:
| Madison executive insurance packages | Associated Outpatient |
| Betterlife 1,000,000 | Ksh. 100,000 |
| Betterlife 1,500,000 | Ksh. 100,000 |
| Betterlife 2,000,00 | Ksh. 150,000 |
The Madison Betterlife budget medical insurance packages are structured as below:
| Madison Betterlife budget insurance packages | Associated Outpatient |
| Betterlife 500,000 | Ksh. 50,000 |
| Betterlife 1,000,000 | Ksh. 75,000 |
| Betterlife 1,500,000 | Ksh.100,000 |
Madison insurance medical cover rates
Madison medical insurance in Kenya cover offers a wide variety of benefits and the cost is as below:
| Madison Medical Insurance Plan | Cost as from |
| Madison Betterlife Premier | Ksh. 45,612/= |
| Madison Betterlife Executive | Ksh. 31,754/= |
| Madison Betterlife Budget | Ksh. 16,923/= |
What makes Madison medical insurance unique?
- Wide options for medical insurance cover selection.
- Betterlife Budget covers do not have a copayment for outpatient
- The Madison Betterlife budget plan offers a high hospital selection for a budget plan
- Benefits covering inpatient and outpatient are available for both per person and family shared.
- Shorter waiting period for maternity insurance
When it comes to medical insurance in Kenya, this list is not exhaustive, it just touches on 6 medical insurance in Kenya companies based on individual health insurance. This is just part one of this article.
We have also written a comprehensive article on the cheapest health insurance in Kenya
