Top 8 Best International Medical Insurance in Kenya
We have examined various local medical insurance providers in Kenya. Now, it is time to examine the best international medical insurance in Kenya. International medical insurance in Kenya has been slowly increasing in its uptake. It is growing popular in Kenya due to its generous limits and huge coverage areas, especially where treatment outside of Kenya would be needed. This article will discuss the international medical insurance coverage in Kenya with our partners. These covers might vary from one partner to another.
Table of Contents
What does international medical insurance in Kenya cover
When comparing international medical insurance in Kenya, consider the following features:
- Geographical Coverage: Does the plan include your desired regions (e.g., worldwide, excluding the USA, or specific regions)?
- Inpatient and Outpatient Care: Some policies may offer inpatient-only coverage, while comprehensive plans include outpatient, dental, and maternity.
- Emergency Evacuation: Ensure the policy includes coverage for emergency transport and repatriation.
- Network Hospitals: Some insurers have direct billing arrangements with top hospitals globally.
- Pre-existing Conditions: Check whether these are covered and if waiting periods apply.
- Annual Limits: Review the overall annual coverage limits — the higher, the better.
- Employee assistance program: for corporate plans
How to choose the right international medical insurance in Kenya
When selecting an international medical insurance in Kenya provider, there are several key factors to consider. Here are a few tips to help you make the right decision:
- Coverage Area: Ensure that the insurance plan covers all the regions you plan to visit, reside in, or travel to regularly.
- Plan Customization: Look for an insurer that offers customizable plans to suit your specific needs.
- Emergency Evacuation: Choose a plan that includes emergency evacuation, a crucial component in serious medical situations.
- Pre-Existing Conditions: Understand how each insurer handles pre-existing conditions.
- Claims Process and Customer Support: A smooth claims process and helpful customer service make a big difference.
- Cost vs. Benefits: Compare what you’re paying for versus what you’re actually covered for.
- Reputation and Reviews: Look for feedback and independent reviews to gauge real-world experiences.
Best Top 8 International Medical Insurance in Kenya Providers
| Provider | Notable features | Inpatient coverage | Outpatient Coverage | Telehealth | Wellness Programs |
|---|---|---|---|---|---|
| BUPA | MembersWorld App, Blua tools, preventive care, second opinion | Yes | Yes | Yes | Yes |
| Allianz Care | Flexible deductibles, multilingual support, MyHealth App, Telehealth Hub | Yes | Yes | Yes | Optional |
| Cigna Global | Modular plans, provider network, Cigna Wellbeing™ App, Global Telehealth, 24/7 care | Yes | Optional | Yes | Yes |
| Now Health | Mobile App, Portal, 24/7 multilingual support, flexible covers | Yes | Yes | Yes | Yes |
| Care & Health | No waiting periods, critical illness cover | Yes | Yes | Yes | Yes |
| APRIL International | No upfront hospital fees, 24/7 telehealth, Easy Claim App, Member Portal | Yes | Optional | Yes | Limited |
| APA Hollard | HealthMov app, wellness incentives | Yes | Yes/Optional | Yes | Yes |
| Liberty Blue | Global Elite plan, emergency evacuation | Yes | Yes | Limited | Limited |
BUPA GLOBAL
BUPA is a leading health international medical insurance in Kenya provider with a presence worldwide. Since 1947, BUPA has been at the forefront for providing medical insurance services.
Overview: One of the most trusted international medical insurance in Kenya and globally.
Key Features: Comprehensive outpatient/inpatient cover, international specialist access and second opinion.
Ideal For:
- Individuals
- SMEs
- Corporate organisations/NGOs
The BUPA Global offers international medical insurance in Kenya in 2 modulars, Explorer essential plus and Explorer gold.
| Benefit | Explorer Essential Plus | Explorer Gold |
|---|---|---|
| Overall Annual Limit | USD 1.5M | USD 3M |
| Deductible Options | Nil, USD 200, USD 500, or USD 1,000 | Nil, USD 200, USD 500, or USD 1,000 |
| Area of Cover | Africa Plus, Africa Plus and Europe, Worldwide Excluding US, Worldwide | Africa Plus, Africa Plus and Europe, Worldwide Excluding US, Worldwide |
| Outpatient Cover | Up to USD 2,000 | ✅ No annual limit |
| Complementary Medicine | Up to the shared annual limit | ✅ Paid in Full |
| Mental Health | Up to the shared annual limit | Paid in full up to 30 visits/year |
| Prescribed Drugs and Dressing | Up to USD 300 | Up to USD 2,000 |
| Vaccines | USD 200 | USD 1,000 |
| Wellness | ❌ Not Covered | USD 500 |
| Basic Inpatient | ✅ Paid in Full | ✅ Paid in Full |
| Mental Health Inpatient | ✅ Paid in Full | ✅ Paid in Full |
| Cancer Treatment, Kidney Dialysis, Transplant Services | ✅ Paid in Full | ✅ Paid in Full |
| Maternity and Childbirth (Medically Necessary CS) | USD 2,000 | USD 8,000 |
| Complicated Maternity and Childbirth | ✅ Paid in Full | ✅ Paid in Full |
| Evacuation and Assistance Cover | ✅ Paid in Full | ✅ Paid in Full |
| Newborn Cover | USD 50,000 maximum (90 days post-birth) | USD 100,000 maximum (90 days post-birth) |
| Congenital and Hereditary Conditions | USD 50,000 | USD 100,000 |
| Dental Cover (if paid for) | 75% up to USD 600 | 75% up to USD 1,000 |
| Optical Cover (if paid for) | 75% up to USD 200 | 75% up to USD 400 |
Allianz Care
The current Allianz Care African cover is provided by Executive Health Care. This comes after AETNA was bought by Allianz Care. This international medical insurance in Kenya is provided by EHS and is ideal for:
Overview: Known for flexible global health plans and corporate solutions.
Key Features: Global reach, direct billing, maternity and mental health options.
Ideal For: .
- Multinationals and professionals working abroad
- SMEs.
- Corporates/NGOS.
- Families
This international medical insurance in Kenya comes in 4 main core plans and are described below:
| Benefit | Major Medical | Major Medical Plus | Foundation | Lifestyle |
|---|---|---|---|---|
| Annual Limit | USD 1.6M | USD 1.6M | USD 2.5M | USD 5M |
| Area of Cover | Africa plus India, Bangladesh, Sri Lanka, Worldwide Excl. USA, Worldwide | Africa plus India, Bangladesh, Sri Lanka, Worldwide Excl. USA, Worldwide | Africa plus India, Bangladesh, Sri Lanka, Worldwide Excl. USA, Worldwide | Africa plus India, Bangladesh, Sri Lanka, Worldwide Excl. USA, Worldwide |
| Deductible | Nil / USD 250 / USD 750 / USD 1,500 / USD 4,000 | Nil / USD 250 / USD 750 / USD 1,500 / USD 4,000 | Nil / USD 40 / USD 80 / USD 150 / USD 250 | Nil / USD 40 / USD 80 / USD 150 / USD 250 |
| Basic Inpatient | ✅ Covered in Full | ✅ Covered in Full | ✅ Covered in Full | ✅ Covered in Full |
| Newborn Cover | USD 100,000 (max 90 days) | USD 100,000 (max 90 days) | USD 100,000 (max 90 days) | USD 100,000 (max 90 days) |
| In-patient Psychiatric Treatment | Covered in full (max 30 days) | Covered in full (max 30 days) | Covered in full (max 30 days) | Covered in full (max 30 days) |
| Cancer, Renal Dialysis, Organ Transplant | ✅ Covered in Full | ✅ Covered in Full | ✅ Covered in Full | ✅ Covered in Full |
| In-patient & Day-care Chronic Conditions | ✅ Covered in Full | ✅ Covered in Full | ✅ Covered in Full | ✅ Covered in Full |
| Outpatient Services | Up to USD 3,000 per medical condition (30 days prior and 90 days post-hospitalisation) | Up to USD 5,000 | ✅ Covered in Full | ✅ Covered in Full |
| Alternative Medicine | ❌ No Cover | ❌ No Cover | Up to USD 1,500 | Up to USD 2,000 |
| Out-patient Psychiatric Treatment | ❌ No Cover | ❌ No Cover | Up to USD 4,500 per medical condition | Up to USD 4,500 per medical condition |
| Evacuation and Emergency Assistance | ✅ Covered | ✅ Covered | ✅ Covered | ✅ Covered |
| Routine Management of Chronic Conditions | ❌ No Cover | Up to USD 2,000 (within outpatient limit) | Up to USD 5,000 per year | Up to USD 5,000 per year |
| Complications of Maternity | ✅ Covered | ✅ Covered | ✅ Covered | ✅ Covered |
| Vaccines | ❌ No Cover | ❌ No Cover | ❌ No Cover | ✅ Covered |
| Routine Pregnancy Cover (if purchased) | Optional for groups of 20+, USD 2,500 | Optional for groups of 20+, USD 2,500 | Up to USD 4,500 | Up to USD 8,000 |
| Wellness (if purchased) | ❌ No Cover | ❌ No Cover | Optional, up to USD 400 | Optional, up to USD 400 |
| Routine Dental Treatment | ❌ No Cover | ❌ No Cover | Optional, up to USD 400 (25% co-pay) | Optional, up to USD 1,000 (25% co-pay) |
| Vision Care | ❌ No Cover | ❌ No Cover | Optional for groups of 5+, up to USD 250 | Optional for groups of 5+, up to USD 250 |
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CIGNA
CIGNA is a leading international medical insurance in Kenya provider and is notable for it’s global presence and flexible packages.
Overview: Established global brand with customizable plans.
Key Features: Extensive hospital network, telehealth, evacuation cover.
Ideal For:
- Expats, business travellers, and digital nomads in Kenya.
- Individuals
- SMES
- Corporations and NGOS.
This international private medical insurance in Kenya comes in two major plans:
The Primary cover:
| Benefit | Essential | Balance |
|---|---|---|
| Area of Cover | Africa, India, Pakistan, Bangladesh & Lebanon; Europe; Worldwide excluding USA | Africa, India, Pakistan, Bangladesh & Lebanon; Europe; Worldwide excluding USA |
| Deductible option | $0 / $250 / $750 / $1,500 / $3,500 | ❌ Not Covered |
| Annual Limit | $750,000 | $1,500,000 |
| Basic Inpatient | ✅ Covered | ✅ Covered |
| Inpatient psychiatric treatment | Paid in full up to 30 days | Paid in full up to 30 days |
| Newborn baby care | ✅ Paid in Full | ✅ Paid in Full |
| Cancer treatment, kidney dialysis, HIV/AIDS and serious illness conditions | ✅ Paid in Full | ✅ Paid in Full |
| Outpatient treatment | ❌ Not Covered | Up to USD 2,000 |
| Prescribed drugs | ❌ Not Covered | Paid up full* |
| Advanced imaging | USD 500 | ✅ Paid in Full |
| Alternative medicine | ❌ Not Covered | Paid USD 500 |
| Physiotherapy | ❌ Not Covered | ✅ Paid in Full |
| Maternity and Childbirth and complications related to pregnancy | ❌ Not Covered | Up to USD 2,500 |
| Wellness | ❌ Not Covered | USD 500 |
| Child routine and vaccines | ❌ Not Covered | USD 300 |
| Medical evacuation | ✅ Paid in Full | ✅ Paid in Full |
| Optional dental benefit | $1,600, 20% co-pay | ❌ Not Covered |
The Elite cover
| Plan | Essential | Balanced | Best |
|---|---|---|---|
| Area of Cover | Africa, India, Pakistan, Bangladesh & Lebanon, Africa, India, Pakistan, Bangladesh, Lebanon & Europe, Worldwide excluding USA & Worldwide | Africa, India, Pakistan, Bangladesh & Lebanon, Africa, India, Pakistan, Bangladesh, Lebanon & Europe, Worldwide excluding USA & Worldwide | Africa, India, Pakistan, Bangladesh & Lebanon, Africa, India, Pakistan, Bangladesh, Lebanon & Europe, Worldwide excluding USA & Worldwide |
| Deductible option | Child’s routine and vaccines | ❌ Not Covered | ❌ Not Covered |
| Annual Limit | $3,000,000 | $5,000,000 | $6,000,000 |
| Basic Inpatient | ✅ Covered in Full | ✅ Covered in Full | ✅ Covered in Full |
| Inpatient psychiatric treatment | Paid in full up to 30 days | Paid in full up to 30 days | Paid in full up to 30 days |
| Newborn baby care | ✅ Paid in Full | ✅ Paid in Full | ✅ Paid in Full |
| Cancer treatment, kidney dialysis, HIV/AIDS and serious illness conditions | ✅ Paid in Full | ✅ Paid in Full | ✅ Paid in Full |
| Outpatient treatment | ❌ Not Covered | Up to USD 12,000 | ✅ Paid in Full |
| Prescribed drugs | ❌ Not Covered | Paid up full* | ❌ Not Covered |
| Advanced imaging | ✅ Paid in Full | ✅ Paid in Full | ✅ Paid in Full |
| Alternative medicine | ❌ Not Covered | Paid up full* | ✅ Paid in Full |
| Physiotherapy | ❌ Not Covered | Paid up full* | ✅ Paid in Full |
| Outpatient Psychiatric treatment | ❌ Not Covered | $4,500* | $4,500 |
| Maternity and Childbirth and complications related to pregnancy | ❌ Not Covered | Up to USD 9,500 | Up to USD 12,800 |
| Wellness | ❌ Not Covered | USD 750 | USD 2,000 |
| Child routine and vaccines | USD 500 | ✅ Paid in Full | ✅ Paid in Full |
| Paediatric wellness benefit | ❌ Not Covered | ✅ Paid in Full | ✅ Paid in Full |
| Medical evacuation | ✅ Paid in Full | ✅ Paid in Full | ✅ Paid in Full |
| Hearing Test | ❌ Not Covered | ❌ Not Covered | USD 240 |
| Hearing Aid | ❌ Not Covered | ❌ Not Covered | USD 240 |
| Eye test/Glasses/contacts | ❌ Not Covered | USD 150 | USD 240 |
| Dental benefit | ❌ Not Covered | ❌ Not Covered | ❌ Not Covered |
Now Health
Now health is a leading international medical insurance in Kenya provider and prides itself in the ability to settle claims fast.
Overview: Designed for expats and high-net-worth individuals.
Key Features: Fast claims turnaround, digital services, customizable plans.
Ideal For:
- Young professionals and tech-savvy clients.
- Individuals
- SMEs
- Corporates/NGOS
This partcular international medical insurance in Kenya comes with two main products that is:
- Simplecare plan
- Worldcare plan which is discussed below
| Benefit | Essential | Advanced | Excel | Apex |
|---|---|---|---|---|
| Annual limit | USD 3M | USD 3.5M | USD 4M | USD 4.5M |
| Basic inpatient cover | ✅ Covered | ✅ Covered | ✅ Covered | ✅ Covered |
| Cancer treatment, kidney dialysis, organ transplant and serious illness conditions | ✅ Covered | ✅ Covered | ✅ Covered | ✅ Covered |
| Maternity complications | ✅ Covered | ✅ Covered | ✅ Covered | ✅ Covered |
| Routine maternity cover | ❌ Not Covered | ❌ Not Covered Optional for compulsory group plans (10+ employees) Up to USD 8,500 | ❌ Not Covered Optional for compulsory group plans (10+ employees) Up to USD 8,500 | Up to USD 17,500 |
| Inpatient Psychiatric Treatment | Up to USD 100,000 | Up to USD 100,000 | Up to USD 125,000 | Up to USD 150,000 |
| Congenital conditions | Up to USD 100,000 | Up to USD 100,000 | Up to USD 125,000 | Up to USD 150,000 |
| Outpatient Psychiatric Illness | Full refund for up to 30 days | Full refund for up to 30 days | Full refund for up to 30 days | Full refund for up to 30 days |
| Outpatient Physiotherapy and Alternative Therapies | ❌ Not Covered Optional purchase available | Up to USD 2,500 | Up to USD 5,000 | Up to USD 7,500 |
| Full refund up to a maximum 30 sessions | ❌ Not Covered Up to 5 sessions within 30 days after hospitalisation. Optional purchase available. | ❌ Not Covered Up to 5 sessions within 30 days after hospitalisation. Optional purchase available. | Full refund | Full refund |
| Evacuation | ✅ Covered | ✅ Covered | ✅ Covered | ✅ Covered |
| Dental cover | ❌ Not Covered Optional for compulsory group plans (10+ employees) up to USD 250 for routine and USD 1,000 for complex treatment | ❌ Not Covered Optional for compulsory group plans (10+ employees) up to USD 500 for routine and USD 1,000 for complex treatment | Up to USD 1,000 for routine treatment and USD 2,000 for complex treatment | Up to USD 1,500 for routine treatment and USD 3,000 for complex treatment |
Care and Health by Jubilee Health
This international medical insurance in Kenya product is provided by Jubilee Health Insurance in conjunction with Henner and Allianz. It caters to:
- Individuals, both Kenyan nationals and expatriates aged between 18-64 years
- SMEs, corporates, and multinationals of at least 3 employees and above
This international medical insurance in Kenya cater to the belwo categories of people:
- Individuals and groups of up to 5 members will need to fill in the health declaration forms
- For groups above 5 members, no health declaration form is required.
This international medical insurance in Kenya provides up to 5 coverage areas that consider the cost of medical care in the country. Area 5 is the most affordable, while Area 1 is the most costly.
This international medical insurance in Kenya has 3 distinct product levels:
| Primary | Vitality | Prestige |
|---|---|---|
| This provides basic coverage: Inpatient & Outpatient | This provides coverage for major health concerns with basic coverage:Inpatient, OutpatientMedical Prosthesis, Psychiatric treatment, Prescribed complementary treatment, Medical Checkup, Palliative care,Alcohol or substance abuse | This is the enhanced benefit package giving you comprehensive benefits to include:Inpatient, Outpatient, Medical Prosthesis, Psychiatric treatment, , Psychological treatment, Prescribed complementary treatment, Medical checkup, Palliative care, Alcohol or substance abuse treatment, Prescribed health supplements |
| Additional benefits: Dental, Vision/OpticalMaternity | Additional benefits:Dental, Vision/Optical, Maternity including IVF Treatment | Additional benefits: Dental, Vision/Optical, Maternity including IVF Treatment |
| Limits start from 25K USD-4.5M USD | Limits start from 25K USD-4.5M USD | Limits start from 200K USD-4.5M USD |
Liberty Multinational Cover by Heritage Insurance
This international medical insurance in Kenya is provided by Heritage Insurance, and it provides coverage to SMEs of at least 10 members and above.
Liberty Blue international medical insurance in Kenya is available in 5 distinct levels as below
| Benefit | GlobalElite | Plus Africa | Classic Critical Care | Classic | Core |
|---|---|---|---|---|---|
| Area of Cover | Worldwide, Excluding North America Evacuation and Critical CARE: Africa and India | Africa, India, Thailand, and UAE | East Africa Evacuation and Critical CARE: Africa and India | Out-patient care: East Africa only In-patient care: East Africa and India where treatment is medically necessary and not available locally. | In-country only |
| Cover limits | KES. 275M | KES. 110M | KES. 54.5M | KES. 11M | KES. 5.45M |
| Basic Cover | Inpatient Outpatient | Inpatient Outpatient | Inpatient Outpatient | Inpatient Outpatient | Inpatient Outpatient |
| Wellness | ✅ Covered | ✅ Covered | ✅ Covered | ✅ Covered | ❌ Not Covered |
| Dental and Optical Coverage | ✅ Covered | ✅ Covered | ✅ Covered | ✅ Covered | ✅ Covered |
| Psychological Wellness | ✅ Covered up to the specified limit | ✅ Covered up to the specified limit | ✅ Covered | ✅ Covered | ✅ Covered |
| Maternity | ✅ Covered up to the specified limit | ✅ Covered up to the specified limit | ✅ Covered up to the specified limit | ✅ Covered up to the specified limit | ✅ Covered up to the specified limit |
| Major Diseases | ✅ Covered up to the specified limit | ✅ Covered up to the specified limit | ✅ Covered up to the specified limit | ✅ Covered up to the specified limit | ✅ Covered up to the specified limit |
APRIL International Medical Insurance
April International offers a unique proposition when it comes to the type of covers it offers. The international medical insurance in Kenya provides for:
- Students
- Individuals
- SMES
- Corporate organizations/NGOs
- Schools
What makes April International Unique?
April International provides:
- Short-term covers: For those needing medical for less than 12 months
- Long-term covers: For those that will need an international cover for more than 12 months
- Student’s medical cover
Overview: Boutique-style international medical insurance in Kenya with flexible modular options.
Key Features: English and French support, maternity, dental, and optical cover add-ons.
Ideal For: Francophone expats, freelancers, and lifestyle-oriented clients.
The April’s international medical insurance in Kenya covers come in major packages as discussed below:
| Benefit | Classic | Premier | Platinum | Platinum Plus |
|---|---|---|---|---|
| Area of Cover | Area 1: Worldwide excluding USA & Caribbean, Area 2: Worldwide, Area 3: Africa including India, Sri Lanka, Bangladesh and Pakistan | Area 1: Worldwide excluding USA & Caribbean, Area 2: Worldwide, Area 3: Africa including India, Sri Lanka, Bangladesh and Pakistan | Area 1: Worldwide excluding USA & Caribbean, Area 2: Worldwide, Area 3: Africa including India, Sri Lanka, Bangladesh and Pakistan | Area 1: Worldwide excluding USA & Caribbean, Area 2: Worldwide, Area 3: Africa including India, Sri Lanka, Bangladesh and Pakistan |
| Basic Cover including critical illness treatment such as cancer, renal failure | Inpatient only | Inpatient and Outpatient | Inpatient and Outpatient | Inpatient and Outpatient |
| Maternity including complicated pregnancy and pregnancy related complications | ❌ No Cover | ❌ No Cover | Up to specified limit | Up to specified limit |
| Wellness Check | ❌ No Cover | ❌ No Cover | Up to specified limit | Up to specified limit |
| Complimentary therapies such as chiropractors | ❌ No Cover | ✅ Covered | ✅ Covered | ✅ Covered |
| Chinese Medicine | ❌ No Cover | ❌ No Cover | Up to specified limit with 20% co-insurance | Up to specified limit with 20% co-insurance |
| Mental Health | ❌ No Cover | ❌ No Cover | ✅ Covered with USD 50 excess | ✅ Covered with USD 50 excess |
APA Hollard
APA is a local insurance company that has partnered with Hollard to provide an international medical insurance in Kenya with a forus on Kenyans looking for international medical insurance in Kenya with a provider who has a local presence.
Overview: A trusted local Kenyan insurer offering international medical insurance in Kenya in partnership with Hollard.
Key Features: International inpatient care, evacuation, and access to select international hospitals.
Ideal For:
- Kenyan residents looking for international medical insurance in Kenya without dealing with offshore insurers.
- Individuals
- SMEs.
- Groups/Corporates/NGOs.
The cover comes in 5 core plans as discussed below:
| Benefit | Option 1 | Option 2 | Option 3 | Option 4 | Option 5 |
|---|---|---|---|---|---|
| Area of Cover | Africa & India, Europe, Worldwide (options) | Africa & India, Europe, Worldwide (options) | Africa & India, Europe, Worldwide (options) | Africa & India, Europe, Worldwide (options) | Africa & India, Europe, Worldwide (options) |
| Maximum Limit | USD 75K | USD 200K | USD 750K | USD 3M | USD 10M |
| Basic Inpatient | ✅ Covered | ✅ Covered | ✅ Covered | ✅ Covered | ✅ Covered |
| Cancer treatment, chronic conditions, kidney failure HIV/AIDS | ✅ Covered | ✅ Covered | ✅ Covered | ✅ Covered | ✅ Covered |
| Routine child birth and maternity complications | ✅ Paid in Full | ✅ Paid in Full | ✅ Paid in Full | ✅ Paid in Full | ✅ Paid in Full |
| Elective CS | USD 2,000 | USD 3,000 | USD 4,000 | USD 8,000 | ✅ Covered |
| Physiotherapy, speech and occupational therapy | ✅ Covered | ✅ Covered | ✅ Covered | ✅ Covered | ✅ Covered |
| Inpatient Psychiatric care | Paid in Full up to 7 days | Paid in Full up to 14 days | Paid in Full up to 21 days | Paid in Full up to 28 days | Paid in Full up to 42 days |
| Wellness, Hearing Test, Evacuation | ✅ Covered (various conditions) | ✅ Covered (various conditions) | ✅ Covered (various conditions) | ✅ Covered (various conditions) | ✅ Covered (various conditions) |
| Outpatient services | Optional up to USD 1,500 | Optional up to USD 2,500 | Optional up to USD 4,000 | Optional up to USD 6,000 | ✅ Up to Full Limit |
| Outpatient Vaccinations | ✅ Paid in Full (if outpatient purchased) | ✅ Paid in Full (if outpatient purchased) | ✅ Paid in Full (if outpatient purchased) | ✅ Paid in Full (if outpatient purchased) | ✅ Paid in Full (if outpatient purchased) |
| Outpatient alternative medicine | ❌ Not Covered | ❌ Not Covered | ❌ Not Covered | ✅ Paid in Full (if outpatient purchased) | ✅ Paid in Full (if outpatient purchased) |
| Prescription Drugs | USD 500 (if outpatient purchased) | USD 1,000 (if outpatient purchased) | USD 1,500 (if outpatient purchased) | ✅ Paid in Full | ✅ Paid in Full |
| Outpatient Dental | Optional up to USD 500 | Optional up to USD 750 | Optional up to USD 1,500 | Optional up to USD 3,000 | Optional up to USD 4,500 |
| Vision Care / Eye Exams | 1 Exam/year if purchased | 1 Exam/year if purchased | 1 Exam/year if purchased | 1 Exam/year if purchased | 1 Exam/year if purchased |
| Ophthalmology | Optional up to USD 100 | Optional up to USD 150 | Optional up to USD 300 | Optional up to USD 450 | Optional up to USD 600 (over 2 years) |
Factors to Consider When Choosing International Medical Insurance in Kenya
- Type of coverage: Are you looking for basic coverage, which is purely hospitalisation only or looking for comprehensive international medical insurance in Kenya coverage, which will extend to outpatient, wellness, chronic illness management, and so much more? The more comprehensive, the higher the cost
- Area of cover: Are you looking for coverage in Africa only, worldwide excluding the USA or worldwide? The larger the area of coverage, the higher the premium.
- Deductible: A deductible is the first amount that you must pay as an international health insurance policyholder before the insurance can kick in to pay for medical expenses. It is important to know that when it comes to deductibles, the higher the deductible, the cheaper your insurance premiums.
- Coinsurance: This is the fixed percentage you will pay for each claim after your deductible. This amount varies according to the plan and benefits. This is usually fixed. Suppose your coinsurance is 20%; it means that you will pay 20% of each bill, and the insurer will pay 80%.
- Premium payment options: You will need to know if your international health insurance provider in Kenya allows annual, semi-annual, quarterly, or monthly payments and choose what works best.
Final Thoughts on International Medical Insurance in Kenya
Whether you’re a Kenyan resident or an expatriate living in Kenya, securing comprehensive international medical insurance in Kenya should be a priority. Healthcare costs can quickly spiral out of control, especially when you need treatment abroad, and having a reliable international medical insurance in Kenya provider gives you the peace of mind to focus on your work, studies, or travel without worrying about unexpected medical expenses.
The insurers mentioned in this guide are among the best providers available in Kenya for 2024. They offer a range of plans designed to meet the needs of individuals, families, and businesses. The choice of a plan ultimately depends on your unique needs, preferences, and budget.
For those new to international medical insurance in Kenya, consulting with an insurance broker or expert can provide tailored advice to ensure that you select the plan that fits your requirements. Remember, it’s important to regularly review your coverage and update your plan as your needs evolve, whether due to changing health conditions, travel patterns, or family status.
In conclusion, international medical insurance in Kenya is an essential investment for anyone seeking reliable and flexible healthcare coverage that extends beyond borders. With the right plan in place, you can travel, work, and live abroad with confidence, knowing that you have the support you need to take care of your health no matter where you are.
Stay informed, stay healthy, and choose wisely!
Chat us on WhatsApp & Book Your Free Consultation with Amssurity Insurance
Independent Insurance Agent, IRA-Licensed | Amssurity Insurance Agency, Nairobi.
Agnes has reviewed hundreds of health insurance policies and benefit schedules for individuals, SMEs, and diaspora Kenyans. She founded Amssurity to give Kenyans the kind of honest insurance guidance that is rare in a commission-driven industry.