Top 8 Best International Medical Insurance in Kenya

April 24, 2025 HEALTH 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.

What does international medical insurance in Kenya cover

When comparing international medical insurance in Kenya, consider the following features:

1. Geographical Coverage: Does the plan include your desired regions (e.g., worldwide, excluding the USA, or specific regions)?
2. Inpatient and Outpatient Care: Some policies may offer inpatient-only coverage, while comprehensive plans include outpatient, dental, and maternity.
3. Emergency Evacuation: Ensure the policy includes coverage for emergency transport and repatriation.
4. Network Hospitals: Some insurers have direct billing arrangements with top hospitals globally.
5. Pre-existing Conditions: Check whether these are covered and if waiting periods apply.
6. Annual Limits: Review the overall annual coverage limits — the higher, the better.
7. 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:

1. Coverage Area: Ensure that the insurance plan covers all the regions you plan to visit, reside in, or travel to regularly.
2. Plan Customization: Look for an insurer that offers customizable plans to suit your specific needs.
3. Emergency Evacuation: Choose a plan that includes emergency evacuation, a crucial component in serious medical situations.
4. Pre-Existing Conditions: Understand how each insurer handles pre-existing conditions.
5. Claims Process and Customer Support: A smooth claims process and helpful customer service make a big difference.
6. Cost vs. Benefits: Compare what you’re paying for versus what you’re actually covered for.
7. 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:

1. Individuals
2. SMEs
3. 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: .

1. 1. Multinationals and professionals working abroad

1. 1. SMEs.

1. 1. Corporates/NGOS.

1. 1. 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:

1. 1. Expats, business travellers, and digital nomads in Kenya.

1. 1. Individuals

1. 1. SMES

1. 1. Corporations and NGOS.

This international private medical insurance in Kenya comes in two major plans:

1. 1. The primary and

1. 1. Elite covers

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:

1. 1. Young professionals and tech-savvy clients.

1. 1. Individuals

1. 1. SMEs

1. 1. Corporates/NGOS

This partcular international medical insurance in Kenya comes with two main products that is:

1. 1. Simplecare plan

1. 1. 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:

1. 1. Individuals, both Kenyan nationals and expatriates aged between 18-64 years

1. 1. SMEs, corporates, and multinationals of at least 3 employees and above

This international medical insurance in Kenya cater to the belwo categories of people:

1. 1. Individuals and groups of up to 5 members will need to fill in the health declaration forms

1. 1. 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:

1. 1. Students

1. 1. Individuals

1. 1. SMES

1. 1. Corporate organizations/NGOs

1. 1. Schools

What makes April International Unique?

April International provides:

1. 1. Short-term covers: For those needing medical for less than 12 months

1. 1. Long-term covers: For those that will need an international cover for more than 12 months

1. 1. 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:

1. 1. Kenyan residents looking for international medical insurance in Kenya without dealing with offshore insurers.

1. 1. Individuals

1. 1. SMEs.

1. 1. 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

1. 1. 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

1. 1. 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.

1. 1. 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.

1. 1. 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%.

1. 1. 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!

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