Top 13 On The List of Health Insurance Companies in Kenya Reviewed

February 24, 2025 HEALTH INSURANCE IN KENYA

Having a health insurance cover is giving yourself a safety net in a life that is full of surprises, some of which are not good. If you get an unexpected illness or accident, you want to be assured that your family is safe from the financial burden that comes with medical costs. You can obtain the peace of mind by buying a medical insurance from a variety of health insurance companies in Kenya.

In this article, we will be covering a comprehensive list of health insurance companies in Kenya so that you can choose the best one for you. Our comprehensive list of health insurance companies in Kenya will include an examination of the types of health insurance policies that these companies offer, what makes them different from the rest, and a detailed analysis of the best plans available for individuals and families across Kenya.

Top Health Insurance Companies in Kenya in 2025

Insurer	Major Strengths	Major Plans	Market Share
Jubilee Health Insurance	It is known for its brand reliability, East African coverage, dental and optical limits of up to 50K, hearing aids with a limit of 100K, widely accepted, has both local and international health insurance coverage options.	J-Care, J-Seniors, J-Care Juniors, Johari, Coverbora, Care and Health for international private medical insurance, SMES & corporate health covers	17.84%
Old Mutual Insurance	Known for its insurance legacy, critical illness cover of up to 750K, East African coverage, no claim discount from the third year & supplement cover.	Afyaimara, Afyaimara seniors, Afyaimara Juniors, Afyaimara executive, Afyaimara county, SME and corporate medical covers	16.04%
AAR Insurance	Value for money, quality service, responsive, quick reimbursement process, ideal for young families. Low copayment for tier 1 hospitals. No claim discount from year 3. High inpatient limits of up to 20M for illness and 20M for accidents.	AAR Standard, Proactiv, Shwaari. SME and Group medical coverage	14.12%
APA Insurance	Affordable, offers both local and international medical insurance, offers alternative medicine such as chiropractic treatment, provides for IVF treatment & alcohol abuse treatment.	APA Jamii Plus, APA Afya Nafuu, APA Hollard for international health insurance, SME & Group corporate covers	11.46%
CIC Insurance	Strong brand name, provides for free personal accident cover & self-funded options for both inpatient and outpatient care.	CIC Medisure for families, CIC Mediplan for seniors, CIC Afyabora, Medipack for SMEs & Group and corporate covers.	11.06%
GA Insurance	It is known for its exclusivity & covers purely inpatient and maternity covers only for families and individuals	GA Family, GA Hadhi Health, SME health insurance & Corporate covers	6.54%
Britam Insurance	Known for its flexibility coverage, provides for local and international medical insurance cover options, a high outpatient limit of up to 350K, High dental and optical limits of up to 60K & allows for mix-and-match benefit selection	Britam Milele Advantage, Milele Premier, Milele Essential 1, Milele Essential 2, Bima ya Mwananchi & Britam Milele Juniors	5.97%
Madison Insurance	Ideal for single people, competitive pricing, enhanced benefits that provide all-in-one benefits with enhanced maternity benefits for lower inpatient limits.	Madison Betterlife Premier, Betterlife Executive, Betterlife Budget, SMEs and Corporates.	4.22%
Heritage Insurance	Known for its flexibility coverage, provides local and international medical insurance cover options, a high outpatient limit of up to 350K, High dental and optical limits of up to 60K & allows for mix-and-match benefit selection	Heri Afya, Heritage Flexi for Corporates and SMEs, Liberty Blue International Private Health Insurance	3.96%
First Assurance	Known for its efficiency. A great mid-cost cover.	First-med, SMEs, Corporates	3.52%
Pacis Insurance	Ideal for churches and the laid-back, no-claims discount after three years of cover & affordable premiums	Pacis Amani, SMEs, Churches & Corporates	1.47%
MUA	Offers local medical insurance, provides an international private medical insurance cover with Unisure & dental and optical cover can be taken separately or as part of the outpatient	Tulizo Bora, SMEs, Group corporate	1.38%
Kenyan Alliance	Provides passive terrorism cover to the full inpatient limit	KAI Health Insurance, SMEs, Corporate medical covers	1.15%

For those seeking information about health insurance companies in Kenya, it’s crucial to understand the various options available to make an informed choice.

AAR Insurance for Value for Money

AAR has been recognized among the leading health insurance companies in Kenya with a strong reputation for quality service.

AAR Insurance is the third largest medical insurance company in Kenya with a 14.12% market share in the medical insurance market. Slightly over Ksh. 66.2 billion shillings in medical insurance premiums were collected in 2023, as per the IRA 2023 insurance industry report.

When considering health insurance companies in Kenya, AAR Insurance stands out for its competitive offerings.

Understanding the benefits of different health insurance companies in Kenya helps consumers select the right plan for their needs.

Health insurance companies in Kenya, such as AAR, provide diverse coverage options tailored to various needs.

AAR provides three different types of covers:

Standard AAR Cover

The Standard AAR Cover is a high-cost cover that comes as an all-in-one comprehensive medical package, especially when you take both the inpatient and outpatient cover.

Why AAR Insurance?

The cover provides an umbrella and comprehensive all-in-one kind of medical insurance in Kenya with only two levels:

1. The inpatient cover, which comes with an inbuilt maternity cover that is determined by the level of inpatient limit as below:

Health insurance companies in Kenya like AAR and APA offer a variety of plans suitable for different demographics.

For families, health insurance companies in Kenya offer plans that include wellness checks and annual assessments.

Inpatient Limit	Maternity Limit
Cover Me (500K Inpatient Illness, 500K Accident)	50K
Bronze( 1M Inpatient Illness, 2M Accident)	75K
Silver (2M Inpatient Illness, 4M Accident)	100K
Silver Plus (4M Inpatient Illness, 8M Accident)	150K
Gold (10M Inpatient Illness, 10M Accident)	200K
Platinum (20M Inpatient Illness, 20M Accident)	500K

1. The outpatient cover also comes with an inbuilt Dental and Optical cover, which allocates 10% of the outpatient limit to dental and optical services. This, however, lowers the overall amount of outpatient coverage available.

Yearly check-ups provided by health insurance companies in Kenya help ensure families maintain good health.

Outpatient  Limit	Optical and Dental Limit
Cover Me 50K	5K each
Bronze 75K	7.5K each
Silver 100K	10K each
Silver Plus 150K	15K each
Gold 200K	20K each
Platinum 250K	25K each

1. The outpatient cover also comes with a generous general and annual wellness over limits as well as below:

The affordability of a medical cover is one the reasons many people choose health insurance companies in Kenya for their health coverage needs.

Outpatient  Limit	General Wellness and Check Ups
Cover Me 50K	7.5K
Bronze 75K	11.5K
Silver 100K	15K
Silver Plus 150K	12.5K
Gold 200K	30K
Platinum 250K	37.5K

1. The medical insurance cover for AAR Insurance in Kenya is well-priced and ideal for young families wanting simple coverage with no fuss. This is especially true since each inpatient limit comes with an inbuilt maternity benefit.
2. AAR Medical Insurance also has a good hospital selection and a refund option if you use the cover with a hospital or provider outside the preferred provider panel.
3. Senior citizens can benefit from specialized health insurance options from top health insurance companies in Kenya.
4. Furthermore, one is required to undergo a medical examination to be accepted into the cover at the age of 55 years.
5. The outpatient cover also comes with a low copayment of only 500 shillings in all tier 1 hospitals.

AAR Seniors Medical Insurance

AAR Seniors Medical Insurance is designed to cater to the elderly, showcasing the adaptability of health insurance companies in Kenya.

This is the newest health insurance in Kenya that is available to senior and elderly parents. The seniors’ medical insurance by AAR provides a huge acceptance age bracket of between 65 to 85 years with a lifetime cover, subject to acceptance at every renewal.

1. It is one of the covers that provides for dependents aged 17 years and below to be added to the policy.
2. The AAR seniors cover provides hearing aids for their seniors at least once every 3 years within the outpatient up to a maximum of 30K.
3. You will be required to undergo a medical examination before acceptance into the cover. Once accepted, you get a 50% refund of the medical examination cost you incurred.
4. The seniors medical cover provides for an annual wellness check-up and the health checkups under the inpatient limit as below:

Inpatient  Limit	General Wellness and Check-Ups
Cover Me 500K	10K
Bronze 1M	10K
Silver 2M	15K
Silver Plus 3M	15K
Gold 5MK	20K
Platinum 10M	20K

The Budget Shwaari Cover for the budget-oriented

This cover is ideal for people who are looking for an inclusive coverage on the affordable side of health insurance in Kenya. The cover provides a one premium option, which provides for:

Inpatient limit of between 100K-1M

1. Outpatient up to 30% of the overall limit
2. Maternity cover up to the full limit
3. Dental cover of between 5K-10K
4. Optical cover of between 5K-10K
5. For outpatient of more than 6K at a go, you will need pre-authorization.
6. One will need to undergo a medical examination at 55 years to join.

The cover provides a limit coverage from 100K-1M, which guides the limit from which all other limits are drawn. The cover provides sub-limits for benefits such as dental, optical, maternity, and outpatient services.

Proactiv Cover

Health insurance companies in Kenya ensure maternity coverage is included in many of their plans, reflecting their commitment to family health.

Health insurance companies in Kenya are increasingly integrating wellness programs in their offerings, reflecting a holistic approach to health care.

This cover, though not very common, provides a cashback option for people who maintain a healthy lifestyle. 

The uniqueness of this cover is that if you do not claim in your current year, you get to enjoy a cashback of up to 50% on the premium paid in the current year, as well as bigger cover limits at renewal.

The cover comes in three levels:

1. A gold tier of up to 10M illness cover and 10M accident cover with an outpatient level of between 80K-150K, depending on age.
2. A silver tier of up to 2M illness and 8M accident with an outpatient level of between 60k-100K, depending on age
3. A bronze tier of up to 1M illness cover and 2M accident cover with an outpatient level of between 50k-90K, depending on age
4. The cover also comes with extra benefits included in the policy, such as maternity, dental, and optical cover.

Some of the good health habits that Proactiv cover advocates for are:

1. Getting enough sleep
2. Eating a balanced diet
3. Meditations
4. Regular exercise
5. Stress management
6. Have an active and meaningful social life
7. Avoid smoking
8. Laugh more
9. Avoid/reduce environmental poisons

APA Insurance for Affordability 

APA Insurance is the fourth largest health insurance provider in Kenya, controlling 11.45% of the market share of the medical insurance market in Kenya, as per the 2023 IRA Insurance report.  

APA insurance has three main types of health insurance products:

APA Jamii Plus

This is one of the flagship medical insurance packages that APA Insurance offers to individuals and families.  The package provides a buildable medical insurance as below:

1. Inpatient cover of between 500K-10M
2. Maternity cover of between 50K-150K
3. Outpatient cover of between 50K-200K
4. Dental and Optical of between 10K-30K each
5. Medical examination is required for new medical insurance applicants aged 60 years and above.

This means that you purchase each product and add them to the main cover, which is the inpatient cover, in the order as above.

APA’s Jamii Plus is one of the few local health insurance covers in Kenya that provide for:

1. IVF treatment
2. Alcohol abuse treatment
3. Chiropractic treatment upon referral 

Though the limits are on the lower limits, APA Jamii Plus provides one of the most progressive medical insurance covers in Kenya. The policy offers coverage for:

1. Children-Only Medical insurance 
2. Individual Covers
3. Family Covers
4. Seniors Medical cover

The APA Jamii Plus is one of the extensive policies health insurance companies in Kenya offer for extensive coverage.

Families often turn to health insurance companies in Kenya for affordable and comprehensive plans like APA Jamii Plus.

APA Afya Nafuu

This particular health insurance is one of the budget and affordable medical covers we have in Kenya. It provides for basic health care treatment for:

1. Inpatient
2. Maternity 
3. Outpatient
4. Medical examination is required for people who are 55 years and above.

The benefits are provided per person making it very budget-friendly for its costs. It makes 

APA Hollard International Medical Insurance

The APA Hollard International medical cover is also a buildable health insurance cover with three steps:

1. Step 1: Basic- The basic package provides an inpatient cover of between 75K USD-10M USD.
2. Step 2: Enhanced- The enhanced package provides an outpatient cover of between 1,500 USD and full limit.
3. Step 3: Complete= The complete package provides additional benefits such as dental treatment of between: 500-4,500 USD and vision of 100-600 USD

The cover provides an option to mix and match benefits. Apart from Step 1, which is basic, you will need to take Step 2, the enhanced step to enjoy Step 3 the complete stage. 

This cover is a huge step up from the local medical insurance companies in Kenya, providing international medical insurance cover that provides extensive coverage.

Britam Insurance for the Brand name 

Britam Health Insurance controls about 5.96% of the Kenyan health insurance market, placing it at number 7 in the list of health insurance companies in terms of market share. 

Britam has set itself up in terms of offering a wide selection of covers through the brand name Britam MileleHealth Plans. They have about 5 core health insurance plans as below:

Britam Milele Advantage:

This cover is ideal for people looking for a more friendly cover when it comes to enhanced benefits, especially for pre-existing illnesses and a health sum of budget allocation.  Britam’s Milele cover;

1. Provides a lifetime cover subject to acceptance at renewal,
2. Provides coverage to the overall limit, both for acute illnesses, congenital, pre-existing chronic illnesses, HIV/AIDS, radiotherapy, and chemotherapy,
3. Comes with a critical illness cash benefit cover,
4. Overseas referral treatments, 
5. Enhanced limit of in-patient between 300K-10M,
6. Benefits such as newly diagnosed chronic conditions, psychiatric treatment, and organ transplants will be subject to sub-limits.
7. All new medical insurance applications for people aged 55 years and above are accompanied by a medical examination.
8. The maximum age accepted for new applicants is 75 years, but it is renewed for a lifetime subject to renewal invite.

Britam Milele Premier Plan

Britam’s Milele Premier Plan has a few benefits adjustments from the Britam Milele Advantage Plan. The cover comes with sub-limits for all conditions, excluding acute and accidents. Consequently, the Milele premier plan is slightly cheaper compared to the Advantage plan.

The plan:

1. Provides coverage to the overall limit, both for acute illnesses and accidents.
2. Provides congenital, pre-existing, and chronic covers up to a specific sub-limit depending on the inpatient limit together with newly diagnosed chronic conditions, psychiatric treatment, and organ transplant.
3. The medical cover comes with a critical cash benefit cover for limits of 5M and 10M
4. Overseas referral treatments.
5. It comes with an inpatient limit between 300K-10M
6. New medical insurance applicants can be accepted up to 75 years and given lifetime cover, subject to renewal invitations.
7. Medical examination is required for new medical insurance applicants aged 55 years.

Britam Milele Essential 1

This is a midcost medical insurance cover offering a tier 2 and tier 3 hospital selection compared to the Milele Premier Plan  The Milele Essential 1 plan ensures access to medical services across the medium-cost and low-cost hospitals. 

The medical plan, therefore, provides:

1. Medical services to the overall limit, both for acute illnesses and accidents.
2. Cover for pre-existing congenital and chronic conditions for up to a specific sub-limit, depending on the inpatient limit together with newly diagnosed chronic conditions, psychiatric treatment, and organ transplant.
3. Overseas referral treatments.
4. Annual wellness check-ups for both principal and spouse. 
5. Milele Essential 1 comes with inpatient limit between 300K-5M
6. The cover is available for a lifetime, as long as you join before you are 75 years.
7. If you are joining the cover when you are 55 years and above, you will need to do a medical exam.

Britam Milele Essential 2

Milele Essential 2 is primarily a low-cost health insurance plan with Britam Insurance. The health plan provides health insurance services specifically to tier 3 hospitals, making the cover more affordable since tier 3 hospitals are low-cost hospitals.

Milele Essential 2 medical plan, therefore, provides:

1. Medical services to the overall limit, both for acute illnesses and accidents.
2. Cover for pre-existing congenital, and chronic illness cover for up to a specific sublimit, depending on the inpatient limit together with newly diagnosed chronic conditions, psychiatric treatment, and organ transplant.
3. Overseas referral treatments
4. Annual wellness check-ups for both principal and spouse 
5. Milele Essential 2 comes inpatient limit between 300K-3M
6. Medical examination is required for people aged 55 years and above
7. A lifetime cover is subject to renewal terms and conditions, as the maximum allowed age is 75 years for new applications.

This cover is ideal for:

1. Budget-conscious people looking for a cover with bigger inpatient limits 
2. People looking to have an enhanced outpatient limit

Honorable mention: Bima ya Mwanainchi

This cover is considered a micro cover, which helps provide medical insurance services to the most budget-conscious people. It does not provide for emerging markets. Bima ya Mwanainchi is meant for people who might not be able to afford the low-cost covers but are looking for a private medical cover that can help them when that time comes.

Britam Milele Juniors

The Britam Milele Juniors is a health insurance cover purely only for children. It takes the 4 variants discussed above as well.  The biggest differentiation is that the Milele Juniors cover is a;

1. Cover is for children aged 0-17 years, but available for up to 25 years if proof of schooling is provided.
2. With an inpatient limit available of between 500K-5M 
3. Outpatient, dental, and optical covers are available at an extra cost.

CIC Insurance for  Brand Loyalty 

CIC Insurance is the 5th-largest medical insurance provider on our list of health insurance companies in Kenya, controlling about 7.32% of the market share.  CIC Insurance has always been at the forefront of innovation regarding insurance products. 

The CIC Medisure Medical insurance in Kenya comes in 2 Main Variations:

CIC Medisure Family Cover

The Medisure Family Cover comes with the following main advantages:

• It is an umbrella medical cover that provides an all-in-two kind of arrangement. It provides an inbuilt maternity limit as below:

Inpatient Limit	Maternity Limit
Essential (300K)	50K
Standard (500K)	60K
Comprehensive (1M)	80K
Superior (2M)	100K
Premier (3.5M)	150K
Prestige (5M)	200K
Platinum (10M)	250K

1. The cover also provides a wellness check within the inpatient cover once every two years, subject to no claims during that period.

Inpatient Limit	Wellness Limit
Essential (300K)	5K
Standard (500K)	6K
Comprehensive (1M)	8K
Superior (2M)	10K
Premier (3.5M)	10K
Prestige (5M)	12K
Platinum (10M)	15K

1. The CIC cover also provides a free Personal Accident cover for all inpatient levels as below:

Inpatient Limit	Personal Accident Cover Limit
Essential (300K)	100K
Standard (500K)	200K
Comprehensive (1M)	300K
Superior (2M)	400K
Premier (3.5M)	500K
Prestige (5M)	750K
Platinum (10M)	1M

1. CIC insurance Medisure Medical insurance covers families and individuals and provides dental and optical within the outpatient limit as below:

Inpatient Limit	Dental and optical Limit
Essential (300K)	5K
Standard (500K)	7.5K
Comprehensive (1M)	10K
Superior (2M)	15K
Premier (3.5M)	15K
Prestige (5M)	20K
Platinum (10M)	30K

1. The cover is available to individuals and family members of up to 59 years. They renew you up to 64 years of age, and then they transition you to their senior Mediplan cover.
2. The cover is available for a lifetime, subject to renewal terms.

CIC Seniors Mediplan Medical Insurance

This is the senior health insurance cover provided by CIC for people aged 60, with the maximum acceptance age being 80 years. The cover is available for a lifetime, subject to renewal terms. 

The CIC Seniors Mediplan cover is a buildable plan that comes with:

1. Inpatient cover: 300K-5M
2. Outpatient: 50K-200K
3. Dental and Optical cover: 15K-20K

A unique feature that the CIC Seniors Medical Cover offers is the option to do a self-fund for both inpatient and outpatient and managed by CIC at a fee determined by CIC.

First Assurance for The Efficiency 

First Assurance is the 10th largest medical insurance company in Kenya, controlling about 3.52% of the market. It offers one of the most direct and simple coverages with buildable benefits. 

This means that you will purchase all benefits separately based on your needs as an additional cover to the inpatient benefit, which is the compulsory cover.

The First Assurance medical plan is the only one that provides full limit cover following passive terrorism cover, hence a huge plus. The package provides a not-so-high-cost medical cover, giving you a great medical cover at a manageable cost.

The benefits of First Assurance Medical Plan are as below:

1. Inpatient limit: 500K-5M
2. Outpatient: 50K-200K
3. Maternity cover: 75K – 200K
4. Dental and Optical Cover: 7.5K-40K each.

Other important details one needs to know are:

1.  You will need to do a medical exam at 40 years before joining the cover, which is the lowest medical examination age requirement.
2. The maximum joining age is 60 years, but you exit at 65 years. Therefore, if you are looking for a cover that will ensure lifetime coverage at this age, you might need to look into other companies from the list of health insurance companies in Kenya.

GA Insurance for Exclusivity 

GA Insurance controls about 6.54% of the health insurance market, placing it 6th in the list of health insurance companies in Kenya.  GA individual and family medical insurance packages are very simple and provide for medical and surgical costs incurred by its clients. The packages, therefore, provide for inpatient and maternity-only services. GA Insurance has two main distinct medical insurance packages:

GA Family Plan:

The GA Family Plan provides inpatient and maternity cover for individuals and families aged between 18-59 years. After this, the members are transitioned to the seniors health insurance plan, dubbed Hadhi Health Plan.

The benefits that come with GA’s Family Plan are:

1. 500K-5M Inpatient
2. Maternity limit of between 50K-150K
3. Key benefits not covered by this plan include all outpatient services plus dental and optical outpatient services.

GA Hadhi Health Plan

This health insurance plan provides coverage for seniors aged 60 years-80 years. The Hadhi Health Plan cover also provides for inpatient services only.

The packages come in two levels:

1. The premier plan, which comes with access to tier 1* hospitals with inpatient options of between 1M-5M
2. The budget plan comes without access to tier 1 hospitals with inpatient medical cover limit of between 1M-5M

*Tier 1 hospitals include Aga Khan, AAR, MP Shah, Getrudes, Karen, Nairobi, and Mater Hospitals, as well as their satellite clinics.

Heritage Insurance for Flexibility 

Heritage Insurance has a market share of 3.96%, placing it 9th on the list of health insurance companies in Kenya. Heritage Insurance is known for its flexible health insurance plans.  Though previously known for its corporate covers, commonly known as Heritage Flexi and the Liberty Blue medical insurance, they do have the Heri Afya medical insurance covers for families and individuals.

The Heriafya medical insurance package:

1. Comes with an inpatient limit of between 500K-10M
2. The outpatient limit of 50K-350K is the highest in the health insurance market
3. Maternity limit for between 50K-350K, the second highest in the health insurance market
4. Dental and optical cover of between 10K-60K is the highest in the market
5. The cover is available for people aged 18-65 years and renewable up to 70 years, subject to renewal terms.
6. Medical examination is required for people aged 55 years and above.

Heritage’s HeriAfya offers a lot of flexibility:

1. The Heritage HeriAfya health insurance cover gives you the ability to mix and match your benefits however you like.
2. There is the option to take one dental and an optical limit to use for whatever benefit you would like.
3. The ability One can take different limits of outpatient limits for different family members within the same policy.

Jubilee Health for Brand Reliability

This is the largest medical insurance company in Kenya with a market share of 17.83%, placing Jubilee Health in position 1 on the list of health insurance companies in Kenya.  Jubilee Health Insurance Company is well known for being a market leader in health insurance in Kenya. 

Jubilee Health Insurance is available in 5 health insurance coverage plans:

JCARE

JCare is the standard Jubilee Health Insurance cover that is commonly bought by individuals and families. It provides a wide range of benefits that are buildable from the compulsory inpatient cover.

The benefits of JCare are:

1. An inpatient cover 500K-10M
2. An outpatient cover between 50K-200K
3. A maternity cover for between 80K-200K
4. A dental and optical cover of between 5K -50K each
5. A medical examination is needed for people aged 50 years and above.

 A few things that are unique about Jubilee’s Health JCare cover is that it provides for hearing aids at a limit of 100K for all inpatient limits, the highest in the market.

Secondly, the cover is widely accepted by a lot of medical care service providers. 

Thirdly, the cover is available for individuals and families aged between 18-64 years, and they are transitioned to the seniors cover dubbed JSeniors

JSeniors

This cover is available to seniors aged 65-79 years. The JSeniors cover is renewed for a lifetime subject to a renewal invitation.

Medical examination is required at the entry for new applicants of JSeniors cover, but it is not needed for those being transitioned from the standard JCare.

The JSeniors cover is available as below:

1. Inpatient limits of between 500K-10M
2. Outpatient limits of between 100K-200K
3. Dental and optical services of between 30K-50K each.
4. It provides for hearing aids and tests within the outpatient of between 50K-100K of the outpatient limit
5. The JSeniors allows for dependents aged between 0-17 years to be taken under the principal member
6. It also comes with an automatic enrolment of the Jubilee Health Insurance Wellness Club

JCare Juniors

This medical insurance from Jubilee Health insurance is designed purely for children aged between 0-17 years and transitioned to the JCare upon attaining the age of 18 years. The JCare Juniors cover is ideal for parents looking to cover only their children for whatever reason.  If your biggest consideration is looking for medical insurance with brand reliability, then the JCare Juniors is the cover for your children.

This child-only medical insurance coverage in Kenya provides:

1. 500K-10M Inpatient
2. 50K-200K Outpatient
3. Dental and optical services of between 5K-50K for each child.

Johari

The Johari medical insurance cover is one of the micro health insurance covers in Kenya provided by Jubilee Health to cater to the mass market by ensuring that it provides quality coverage without breaking the bank.

Johari cover comes in 2 levels, with a single premium that can either get you:

1. 200K Inpatient, 40K Outpatient, Maternity limit of 40K  or
2. 400K Inpatient, 50K Outpatient, 50K maternity limit 

The Johari Jubilee Health insurance cover, therefore:

1. Has a very select hospital panel to ensure proper cover utilization 
2. Low premiums to ensure affordability 
3. Ability to cater to the mass market

Coverbora

This is one of the most affordable health insurance cover provided in Kenya by Jubilee Health Insurance. Coverbora provides for inpatient coverage only with 3 levels:

1. 250K inpatient with 40K maternity cover
2. 350K inpatient with 50K maternity cover
3. 500K inpatient with 75K maternity cover

The Coverbora health insurance package:

1. Has a single premium for individuals
2. A single premium of  up to 4 additional family members, then an additional premium for any extra person after.

Kenyan Alliance 

Kenyan Alliance controls 1.14% of the health insurance market in Kenya, placing it in 13th place in the list of health insurance companies in Kenya.

The KAI health insurance plan comes in two options:

1. 300K-1M Inpatient limit, which excludes the tier 1 hospitals from their medical service providers.
2. 2M-5M inpatient limit, which includes coverage to tier 1 hospitals.
3. The outpatient comes with a limit of dental and optical services.  
4. The inpatient cover also comes with an inbuilt maternity limit 
5. The Kenya Alliance Health plan also caters for passive terrorism to the full inpatient limit.
6. Medical examination is required for people aged 55 years and above.
7. The KAI cover accepts applications for people between 18-65 years.

Madison Insurance for Competitive Pricing for Individuals 

Madison Insurance controls about 4.22% of the health insurance market in Kenya, placing it at position 8 in the list of health insurance companies in Kenya. Madison has rebranded its cover to the Madison Betterlife cover. 

Madison Betterlife comes in 3 categories:

Madison Betterlife Premier and Executive

This cover provides access to tier 1 hospitals, and the benefits are as below:

1. The cover caters for inpatient limits of between 1M-5M Inpatient.
2. The inpatient cover comes with an inbuilt maternity cover of between 100-200K limit
3. The cover comes with the shortest waiting period for psychological and counseling for 30 days
4. The outpatient cover varies between 100K-200K
5. The outpatient comes with an inbuilt dental limit of between 15K-25K each 
6. Madison Betterlife provides a lifetime cover for people who join the cover before age 64 years, subject to renewal terms and conditions.
7. New applications being received for people above 50 years are accompanied by a medical examination.

Madison Betterlife Budget 

The Madison Betterlife Budget cover provides medical insurance to tier 2 hospitals and 3 hospitals only, and the health insurance benefits are as below:

1. Inpatient limit of between 500K-1.5M Inpatient with inbuilt maternity of between 30K-75K
2. Outpatient limit of between 50K-100K with an inbuilt dental and optical cover limit of between 5K-10K.
3. Being a budget cover, it provides for dental and optical services within its outpatient limit compared to other budget cover options available in the market.
4. The Betterlife Budget health plan provides for speech therapy, as well as for counseling services.
5. Medical exams are needed for new applications for people aged 50 years and above.
6. The Betterlife Budget cover is provided for a lifetime, subject to renewal terms and conditions.

MUA 

MUA Insurance has a health insurance market share of 1.38%, placing it 12th in the list of health insurance companies in Kenya. It has two products, one being its Kenyan offering of the Tulizo Bora health insurance plans and its collaboration with Unisure to underwrite its umatter international private medical insurance.

Tulizo Bora Health Insurance Plan

Tulizo Bora is a buildable health insurance cover in Kenya, with the features below:

1. It comes with an inpatient cover of between 500K-5M
2. Tulizo Bora has an optional maternity of between 50K-150K
3. It has an outpatient limit of between 75K- 150K
4. The dental and optical benefits of Tulizo Bora come in two variations, where you can either purchase the full benefits separately or have it as per the outpatient benefits.
5. New medical insurance applications for Tulizo Bora Health Plan for people aged 50 years and above must be accompanied by a medical exam.
6. The maximum age for acceptance into the Tulizo Bora cover is 65 years, and the cover is renewed up to 75 years subject to renewal terms and conditions.

Umatter International Private Health Insurance

In collaboration with Unisure, MUA Insurance underwrites the flagship corporate international private medical insurance Umatter.   This particular cover comes with:

1.  An inpatient limit dubbed serious matters of 5M USD
2. Additional limits on maternity dubbed family matters
3. Outpatient limits called daily matters, which are covered to full limit but medicine and surgical dressing capped at 2K USD and HIV/AIDS drug therapy at 20K USD annually
4. General wellness check-ups termed as wellness matters of up to 12.25K-25.5K USD normal and elective CS and medically necessary CS 
5. Optical and dental covers are dubbed Opti-Denti Matters of up to 400 USD and 4.25K dental.

Old Mutual Insurance For Insurance Legacy 

Old Mutual Insurance controls 16.04% of the health insurance market in Kenya, placing it number 2 in the list of health insurance companies in Kenya. This is one of the oldest insurance companies and hence one company with a long insurance legacy to back it up.

Old Mutual Insurance provides 4 types of health insurance plans in Kenya:

Afyaimara for individuals and families

This is the standard Old Mutual Health Insurance cover for individuals and families. The cover is available to individuals aged between 18-65 and renewable for life subject to renewal invitation.

 Afyaimara health insurance cover provides benefits as below:

1. Inpatient cover of between 500K-10M with an inbuilt maternity of between 50K-200K 
2. Outpatient cover of between 50K-200K, which comes with a family shared option and a per person option with an inbuilt dental and optical limit of between 10k-15 for outpatient limits of 100K and above.
3. An annual wellness check of between 5K-10K for outpatient limits above 100K.
4. Supplements are covered, where they have direct action in managing a diagnosed condition 
5. Afyaimara provides for a critical illness cover of up to 750K, irrespective of the inpatient limit.
6. A medical examination report is required for new applicants aged 60 years and above.

Afyaimara Seniors

This cover is available to our seniors who would like to join the old mutual family from 65 years to 80 years and renewable for life. This is the flagship senior medical insurance cover in Kenya. 

The health insurance comes with:

1. Inpatient limit of between 500K-10M
2. Outpatient limit of between 100k-200K
3. Optical and dental covers are available for purchase
4. Annual wellness covered between 5K-10K.
5. A medical examination is needed before cover acceptance.

Afyaimara Juniors

This is a child-only medical insurance cover provided by Old Mutual Insurance. Afyaimara Juniors cover comes in two main variations:

1. Afyaimara Junior Unlimited – This child-only medical cover in Kenya gives you access to an open hospital provider panel.
2. Afyaimara Junior Getrudes Only- This child-only health insurance covering Kenya gives you access to Gertrude’s Children Hospitals only 

The child-only cover comes with:

1. Inpatient limit of between 500K-5M
2. Outpatient limit of between 50k-150K
3. The cover can be extended until the child is 21 years old as long as there is proof of schooling.

Afyaimara County

This is the budget plan provided by Old Mutual Insurance for budget-oriented people. Afya Imara insurance cover provides:

1. Inpatient cover limit of between 100K-1M with inbuilt maternity limits of between 30K-50K for inpatient limits of between 250K-1M, respectively.
2. An outpatient limit of between 25K-50K
3. A dental and optical cover provided within the 50K limit only up to 10K each.
4. Medical examination is required for applicants of Afyaimara County aged 60 years and above.
5. The joining age to the cover is between 18-65 years.

Afyaimara Executive

This cover was designed for Old Mutual Insurance clients looking to have enhanced limits from their basic cover. The Afyaimara Executive medical plan comes with two main levels of coverage as below:

1. A 10M inpatient limit with an inbuilt maternity cover of 400K and an optional outpatient limit of 200K
2. 20M inpatient limit with an inbuilt maternity cover of 600K with an optional outpatient cover of 250K
3. Both limits come with a wellness check-up option of 50K within the outpatient limit
4. The cover also comes with a dental and optical check-up limit of 25K within the outpatient limit.
5. New members aged 60 years and above must submit a medical examination report as guided by the insurer.
6. New member applications are accepted for up to 80 years, and renewals are done up to 85 years.

Pacis for the Laid Back and Churches

Pacis Insurance Company controls 1.47% of the health insurance market in Kenya, placing it at position 11 on the list of health insurance companies in Kenya. This is the first-ever religious-owned entity to provide sustainable funding for projects in the Catholic Church in Kenya.

Through the Pacis Amani medical insurance cover, an individual or a family can be able to enjoy:

1. Affordable premium costs.
2. No claim discount after two years of no claims.
3. Home care programs.
4. Overseas treatment.
5. Pacis Amani provides a person and shared outpatient cover options, giving you ease of choice.
6. A medical examination is required at the age of 55 years.
7. Pacis accepts new medical cover applications up to a maximum age of 64 and renewals up to 70.

The benefits provided by the Pacis Amani cover include:

1. An inpatient limit between 500K-5M
2. An outpatient limit of between 50K-200K
3. A maternity limit of between 50K-150K
4. A dental and optical limit of 10K-30K each.

Important Health Insurance Considerations:

When it comes to choosing your preferred health insurance companies in Kenya, please take note of the following consideration:

1. As competition among health insurance companies in Kenya intensifies, more options become available to consumers.
2. It is important to choose health insurance companies in Kenya that offer robust and flexible plans.
3. As health insurance evolves, health insurance companies in Kenya are adapting to provide better services and coverage options.
4. Many health insurance companies in Kenya, including AAR and APA, are making strides in improving their customer service.
5. Comparing health insurance companies in Kenya allows clients to find the best fit for their individual or family needs.
6. Choosing the right health insurance company in Kenya can significantly affect health outcomes and financial security.
7. Health insurance companies in Kenya are increasingly offering digital solutions for easier access to information and services.
8. It is beneficial to stay informed about the offerings of health insurance companies in Kenya to make the best choices for your health.
9. Researching health insurance companies in Kenya will provide insights into their strengths and weaknesses, helping you choose wisely.
10. Ultimately, health insurance companies in Kenya play a crucial role in shaping the health landscape for individuals and families.
11. Finding the right fit among health insurance companies in Kenya can lead to better health outcomes and peace of mind.
12. The landscape of health insurance companies in Kenya continues to evolve, promising more options for consumers.
13. Engaging with health insurance companies in Kenya can lead to better treatment options and health management strategies.
14. As consumer awareness rises, health insurance companies in Kenya are compelled to improve their offerings and services.