Top 4 Best Health Insurance for Kids in Kenya

March 8, 2025 HEALTH INSURANCE IN KENYA

Insurance companies in Kenya have enhanced their health insurance coverage to include child-only health insurance to meet market demand and remain competitive. Getting health insurance for kids in Kenya is like investing in their future health and wellness. The children-only medical insurance specifically covers children born at 38 weeks up to adulthood.

Child-only health insurance in Kenya has become increasingly essential for ensuring children’s healthcare needs are met effectively. Health insurance for kids in Kenya offers different plans to suit various needs and budgets.

Understanding health insurance for kids in Kenya can help parents make informed decisions regarding their children’s health and provide better healthcare access and necessary access to medical services. Child only health insurance in Kenya offers a range of plans suited for children under various circumstances.

Why would you need health insurance for kids in Kenya?

There are several reasons why someone would need child-only medical insurance.

1. You are currently a Kenyan in diaspora with a child who is still in Kenya.
2. A court order requiring one parent to provide healthcare in the event of child custody issues.
3. A supplementary cover. Health insurance for kids in Kenya will help you manage medical expenses effectively.
4. If, maybe, your employer provides a cover for the employee and you would like to have your child covered with a medical plan.
5. Budget considerations.
6. Having health insurance for kids in Kenya opens doors to better healthcare facilities.

Child-Only Health Insurance in Kenya Insurance Providers

Choosing the right health insurance for kids in Kenya is essential for maintaining children’s health. Health insurance for kids in Kenya can provide peace of mind for parents regarding their children’s health. Parents are increasingly recognizing the value of health insurance for kids in Kenya for financial security.

4 health insurance companies in Kenya provide child only medical covers in Kenya:

1. APA Insurance
2. Britam Insurance
3. Jubilee Health Insurance
4. Old Mutual Insurance

APA Health Insurance for Kids in Kenya

APA is the premier child-only health insurance cover provider in Kenya. APA Insurance prides itself in serving people of all ages when it comes to their health insurance plans. Many parents are now opting for health insurance for kids in Kenya due to its tailored benefits. APA Insurance provides its health insurance covers as below:

1. 18 Years to 80 Years
2. Babies born at 38 weeks -17 year-olds.

In this context, we will be focusing on health insurance for kids in Kenya covered by APA. This child-only health insurance plan comes in two variations.

1. APA Jamii Plus child only medical cover.
2. APA Afya Nafuu child only cover.

With child only health insurance in Kenya, parents can choose plans that best fit their children’s unique health needs.

APA Jamii Plus Child Only Medical Cover

 This is the comprehensive child-only health insurance cover by APA Insurance. The health insurance for kids as provided by APA comprises of:

1. Inpatient of between 500K-10M
2. Outpatient of between 50K-200K
3. Dental and Optical of between 10K-30K each

This child only health insurance inpatient cover benefits caters for:

1. Hospitalization charges
2. Pre-existing, chronic, congenital and HIV/AIDS coverage up to a sublimit, depending on the limit of inpatient coverage.
3. Diagnostic charges
4. Doctors fees

The Jamii Plus child-only outpatient coverage caters for:

1. Vaccines
2. Prescribed medication
3. Consultation fees
4. Vaccines both KEPI and baby-friendly up to a specific limit based on the outpatient amount 

The APA Jamii Plus child only medical cover comes with:

1. Enhanced hospital provider panel, including Tier 1 hospitals 
2. The Tier 1 hospital attracts a copayment of between 500-1K for each outpatient visit. 
3. The rest of the hospitals do not attract a copayment
4. It is the most affordable child only medical cover in the market that covers Tier 1 hospitals.
5. The cost of cover starts from Ksh. 20,389

APA Afya Nafuu Child Only Health Insurance Cover.

This is the most affordable child only health insurance cover in Kenya. The cover caters to the budget conscious individuals who want to provide basic health insurance for kids in Kenya without breaking the bank.

The APA Afya Nafuu Child only Health Insurance cover comes with:

1. Inpatient limit of between 100K-1M
2. Outpatient of between 30K-100K

The APA Afya Nafuu Cover:

1. Covers majorly Tier 2 and 3 hospitals only.
2. No copayment for outpatient hospital visits. Only Jocham Hospital attracts a copayment of 500 shillings.
3. Comes with an expansive Tier 2 and 3 hospital selection
4. Cover costs start fro Ksh. 6,115

Britam Milele Child Only Health Insurance Cover

This child-only medical insurance cover provided by Britam Insurance comes in 4 categories, which will be discussed below.

The cover is available to children born at 37 weeks and the last age to be accepted on cover is 17 years of age. Once the child attains 18 years and above, they can only be covered until 25 years if there is proof of schooling.

Britam Milele Juniors Advantage.

Understanding the specifics of child only health insurance in Kenya can help families choose the right coverage options.

This is the most enhanced child only medical insurance cover, which:

1. Comes with a free annual check up cover
2. It provides a critical illness cover of up to the full limit of inpatient
3. Britam Milele Juniors Advantage also covers pre-existing illnesses, chronic, and congenital conditions up to the full limit of inpatient benefit.
4. The inpatient options range between 500K-5M
5. Outpatient benefit options are between 50K-150K
6. Dental and optical covers are available between 10K-40K
7. Britam Milele Juniors has a wide hospital selection, including access to Tier 1 hospitals.
8. The cover comes with a co-payment of Ksh. 1,500 for Tier 1* hospitals and 500 to all other hospitals for outpatient covers.
9. The cover also comes with a last expense benefit. 
10. Cover costs start fromKsh. 35,346

Britam Milele Junior Premier

This is the second variation after the Milele Junior Advantage plan. The Milele Junior Premier comes with similar hospital selection access. The biggest difference between the Mille Junior Advantage and The Miless Junior Premier child only medical insurance is that the Milele Junior Premier child only health insurance cover comes with sublimits for pre-existing illness, chronic and congenital conditions, unlike the Milele Junior Advantage plan that does not have the sublimits.

Child only health insurance in Kenya is designed to provide comprehensive care specifically for children.

1. Comes with the pre-existing, chronic and congenital conditions covers up to a specified sub-limit 
2. Has a wide hospital selection, including Tier 1 Hospitals
3. The inpatient limit is between 500K – 5M
4. The outpatient is between 50K-150K
5. The Milele Junior Premier plan comes with a last expense cover
6. Has a copayment of Ksh. 1,500 to Tier 1 hospitals and 500 to all other hospitals
7. Cover costs start from Ksh. 18,744

Britam Milele Junior Essential 1 

This is Britam’s mid range cost insurance cover that provides a child only medical insurance cover. Hence, Milele Junior Essential 1 cover is available for the budget conscious people.

This Britam child-only health insurance cover comes with:

1. Covers tier 2 and 3 hospitals (medium to low hospitals providers)
2. It comes under the sublimit for pre-existing, chronic and congenital conditions subject to the inpatient limit.
3. The coves provides an inpatient limit of between 500K-5M
4. The outpatient limit is between 50K-100K
5. The dental and optical cover options are between 10K-40K
6. Milele Junior Essential 1 plan provides a last expense cover 
7. The copayment for outpatient services is 500
8. Cover costs start from Ksh. 15,643

Britam Milele Junior Essential 2

This child-only health insurance cover is for the really budget conscious individuals who would like to ensure quality health care for their children.

Milele Junior Essential 2 child-only cover with Britam comes with:

1. A sublimit for pre-existing conditions, congenital and chronic illness based on the level of inpatient limit.
2. The inpatient covers has limits of between 500K-5M
3. The outpatient limits cover options available for children are between 50K-150K
4. The dental and optical covers are between 10K-40K for each benefit
5. One will have access to only mission and referral hospitals within the Britam list of hospitals
6. Milele Junior Essential 2 comes with a copayment of 500 shillings.
7. Cover costs start from Ksh. 13,899

Jubilee Health Insurance JCare Junior Child Only Health Insurance

This child-only medical cover is provided by Jubilee Health Insurance and provides cover for children born at week 38 to 17 years. 

The JCare Junior child only cover by Jubilee health comes with:

1. Inpatient coverage limit of between 500K-10M
2. Outpatient cover limits of between 50K-200K
3. Dental and optical coverage limits if between 5K-50K
4. The outpatient has a copayment of between 1000-2000 shillings at very select Tier 1 hospitals and no copayment at all other hospitals. This copayment applies only to the main hospitals and not their satellite clinics.
5. JCare Junior covers for pre-existing, congenital and chronic conditions subject to the various sublimits.
6. Cover costs start from Ksh. 21, 316

Old Mutual Child Only Health Insurance Cover

This child-only medical insurance cover by Old Mutual provides cover to children after being discharged from hospital up to 18 years. The cover can extend to those above 18 years up to 21 years as long as there is proof of schooling.

This child only health insurance cover comes in two variations:

•  Unlimited Panel Option
• Getrudes Option

The Unlimited Panel Child Only Medical Cover.

The Unlimited Panel child only medical insurance by Old Mutual comes with:

1. Inpatient cover limits of between 500K-5M
2. Outpatient cover limit if between 50K-150K
3. The dental and optical cover are inbuilt in the outpatient limit of between 7K-15K depending on the level of outpatient .
4. The Unlimited Panel insurance plan comes with cover for pre-existing conditions, chronic and congenital illnesses cover up to the specified sublimit under the inpatient limit
5. Vaccines for KEPI and KEPI baby friendly vaccines are covered up to 5 years.
6. The copayment for outpatient is between 1500-2000 for tier 1 hospitals and 500 shillings to Getrudes and all other providers.
7. Cover costs start from Ksh. 32,954

The Getrudes Only Child Only Medical Cover

This child only health insurance cover by Old Mutual in Kenya provides a medical cover for children with only access to Getrudes Children Hospital only. 

This Getrudes Option Child Only medical cover by Old Mutual:

1. Comes with an inpatient cover limit of between 500K-5M
2. Outpatient limit of between 50K-150K
3. The optical and dental limits are provided under the outpatient limit of between 7K-15K depending on the outpatient limit.
4. Baby vaccines up to 5 years both KEPI and KEPI baby Friendly
5. The Getrudes Option Child Only cover has no copayment for outpatient services.
6. Cover costs starts from Ksh. 29, 538

Important notes in health insurance for kids in Kenya

1. Parents often choose child only health insurance in Kenya to ensure their children receive specialized medical care. compan
2. . Health insurance for kids in Kenya not only covers medical expenses but also promotes preventive care. This is because health insurance for kids in Kenya provides cover routine check-ups and vaccinations
3. Parents can be assured of their children’s health and well-being with child only health insurance in Kenya. Any parent who wishes to prioritize better access to healthcare in Kenya will consider health insurance for kids in Kenya to achieve this.
4. Child only health insurance in Kenya caters to the unique health needs of children effectively. Access to health insurance for kids in Kenya can significantly enhance the quality of healthcare that your children will receive.
5. Choosing child only health insurance in Kenya can ensure children receive prompt medical attention when needed.
6. Health insurance for kids in Kenya provides essential support in times of medical crises.
7. Many parents are investing in child only health insurance in Kenya to ensure their children receive necessary healthcare services.
8. With child only health insurance in Kenya, families can access quality healthcare services for their children reliably.
9. Child only health insurance in Kenya can cover various medical services, providing peace of mind for parents. Parents must consider health insurance for kids in Kenya as a critical component of their family’s health strategy.
10. Families can avoid heavy medical bills through health insurance for kids in Kenya.