Compare Health Insurance Plans in Kenya

Get 3 matching quotes and a one-page plan brief in 24 hours. Claims concierge on WhatsApp when you need it.

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Claims Concierge
24-Hour Quote Pack
Plain English Plan Brief
Purshottam Place, Westlands

Which plan is right for you?

Individuals

Tailored outpatient and inpatient options, verified hospital networks, clear co-pays and sub-limits, fast WhatsApp claims kickoff.

Families

Maternity and paediatric coverage with transparent waiting periods, flexible outpatient limits, easy dependant onboarding for you.

SMEs

Group rates, digital onboarding, utilization dashboards quarterly, concierge support with escalation for timely claim follow-ups.

Expatriates

Regional and international networks, direct billing at key hospitals, evacuation options, flexible territory and currency choices.

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Side-by-Side Comparison

Key features at a glance. We’ll tailor options and fine print in your one-page brief.

Feature (Ksh) Old Mutual Afya Imara Madison Betterlife Executive AAR Bronze
Inpatient 1,000,000 1,000,000 1,000,000
Outpatient 60,000 100,000 75,000
Maternity 75,000 100,000 75,000
Copay 500–2,000 1,000 500
Chronic conditions Cover to 400,000 Cover to 300,000 Cover to 300,000
Premium as from 5,629 / month 5,614 / month 4,923 / month
Hospitals Tiers 1, 2 & 3 Tiers 1, 2 & 3 Tiers 1, 2 & 3
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How SHIF (formerly NHIF) works alongside private medical cover

  • SHIF handles statutory coverage; private cover expands networks, benefits, and limits.
  • We help structure both so you avoid gaps and duplication.
  • Clear guidance for HR and individuals during onboarding and renewal.
Get Coordinated Cover Read the SHIF Guide

Why Amssurity

24-Hour Quote Pack, WhatsApp Claims Concierge, transparent comparisons.

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How claims work (simple & fast)

1) Message us. Send WhatsApp or email with basics (date, provider, brief).
2) Kickoff in 2 hours. We open the claim and share a checklist.
3) We do the chasing follow-ups with the insurer every 48–72h.
4) Resolution: We confirm settlement or next actions.

Health Insurance FAQs

Are pre-existing conditions covered?

Coverage varies by insurer and plan. Many plans include coverage after a waiting period or with specific disclosures. We’ll show you which options match your condition and the documentation required.

What are typical waiting periods (e.g., maternity)?

Waiting periods differ by benefit and insurer. Maternity often has a longer waiting period than outpatient benefits. We’ll surface the exact periods in your comparison brief before you buy.

Which hospitals are in-network?

We verify your preferred hospitals and clinics against each insurer’s panel and include a link to the provider list in your quote pack.

How do co-pays and sub-limits work?

Co?pays are fixed amounts you pay at service; sub?limits cap specific benefits inside the overall limit (e.g., dental, optical). Your brief shows both, so there are no surprises at claim time.

  How does SHIF affect private medical insurance?

SHIF is the statutory cover. Your private plan complements SHIF to expand networks and limits. We’ll advise how to structure both for your needs. Read our 2?minute SHIF guide.

How do I file a claim?

Message us on WhatsApp or email with the basic details; we open the claim within two business hours, share a checklist, and follow up with the insurer until resolution.

Ready to compare your options?

Get three tailored quotes and a plain English plan brief in 24 hours.

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Timelines depend on complete requirements and insurer responsiveness.