{"id":3284,"date":"2026-03-10T13:59:21","date_gmt":"2026-03-10T10:59:21","guid":{"rendered":"https:\/\/www.amssurity.co.ke\/blog\/?p=3284"},"modified":"2026-03-10T13:59:24","modified_gmt":"2026-03-10T10:59:24","slug":"international-health-insurance-in-kenya","status":"publish","type":"post","link":"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/","title":{"rendered":"International Health Insurance in Kenya (2026 Guide): Compare Global Plans, Costs, Evacuation Cover &amp; Corporate Options"},"content":{"rendered":"\n<p>If your healthcare exposure crosses borders, your risk profile changes.<\/p>\n\n\n\n<p>International health insurance in Kenya is not simply an upgraded version of local private cover. It is a global health infrastructure designed for expatriates, diaspora families, NGOs, multinational corporations, and high-net-worth individuals who require cross-border continuity of care.<\/p>\n\n\n\n<p>Most buyers assume \u201cworldwide cover\u201d means unlimited choice. It does not. It means coverage subject to contract wording, region of cover, deductibles, and medical necessity definitions.<\/p>\n\n\n\n<p>This guide explains:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>How the Kenyan healthcare system influences insurance choices<\/li>\n\n\n\n<li>What international health insurance actually covers<\/li>\n\n\n\n<li>How it differs from local health insurance<\/li>\n\n\n\n<li>Leading providers serving Kenya<\/li>\n\n\n\n<li>Cost drivers and premium ranges<\/li>\n\n\n\n<li>Evacuation and repatriation realities<\/li>\n\n\n\n<li>Corporate and NGO structuring<\/li>\n\n\n\n<li>How to compare plans correctly<\/li>\n\n\n\n<li>What most people misunderstand<\/li>\n<\/ol>\n\n\n\n<p>If you are evaluating international medical insurance in Kenya, this page is designed to help you make a structured decision, not an emotional one.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69ee041dc640a\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69ee041dc640a\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Understanding_the_Healthcare_System_in_Kenya\" >Understanding the Healthcare System in Kenya<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#What_Is_International_Health_Insurance_in_Kenya\" >What Is International Health Insurance in Kenya?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#International_Health_Insurance_in_Kenya_vs_Local_Health_Insurance\" >International Health Insurance in Kenya vs Local Health Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Feature_comparison_International_vs_Local_Private_Cover\" >Feature comparison: International vs Local Private Cover<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Who_Should_Consider_International_Medical_Insurance_in_Kenya\" >Who Should Consider International Medical Insurance in Kenya?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#1_Expatriates_Living_in_Kenya\" >1. Expatriates Living in Kenya<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#International_health_insurance_should_match_your_lifestyle_not_limit_it\" >International health insurance should match your lifestyle, not limit it.<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#2_Kenyan_Diaspora_Families\" >2. Kenyan Diaspora Families<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Diaspora_get_cross-border_cover_that_still_works_when_life_changes\" >Diaspora: get cross-border cover that still works when life changes.<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#3_NGOs_Humanitarian_Organizations\" >3. NGOs &amp; Humanitarian Organizations<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#NGOs_duty-of-care_is_decided_by_wording_not_intention\" >NGOs: duty-of-care is decided by wording, not intention.<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#4_Corporate_Mobility_Programs\" >4. Corporate Mobility Programs<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Corporate_global_medical_cover_is_a_governance_decision\" >Corporate: global medical cover is a governance decision.<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#5_High-Net-Worth_Families\" >5. High-Net-Worth Families<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#International_health_insurance_should_match_your_lifestyle_not_limit_it-2\" >International health insurance should match your lifestyle, not limit it.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Leading_Providers_of_International_Health_Insurance_in_Kenya\" >Leading Providers of International Health Insurance in Kenya<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Cigna_Global\" >Cigna Global<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Allianz_Care\" >Allianz Care<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Bupa_Global\" >Bupa Global<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#APRIL_International\" >APRIL International<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Jubilee_Health_Insurance\" >Jubilee Health Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Best_International_Medical_Insurance_in_Kenya_by_Use_Case\" >Best International Medical Insurance in Kenya by Use Case<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Best-fit_guide_choose_by_use_case_not_by_brochure\" >Best-fit guide: choose by use case (not by brochure)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#1_Individual_Family_Plans_Comparison\" >1) Individual & Family Plans Comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#2_Company_Group_Plans_Comparison\" >2) Company (Group) Plans Comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#What_Does_International_Medical_Insurance_in_Kenya_Cost\" >What Does International Medical Insurance in Kenya Cost?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Medical_Evacuation_Repatriation_What_It_Really_Means\" >Medical Evacuation &amp; Repatriation: What It Really Means<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#How_to_Compare_International_Medical_Insurance_in_Kenya_Properly\" >How to Compare International Medical Insurance in Kenya Properly<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#How_to_Buy_International_Medical_Insurance_in_Kenya_Step-by-Step\" >How to Buy International Medical Insurance in Kenya (Step-by-Step)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Why_Structure_Through_Amssurity_Insurance_Agency\" >Why Structure Through Amssurity Insurance Agency?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Uncomfortable_Truths_About_International_Medical_Insurance_in_Kenya\" >Uncomfortable Truths About International Medical Insurance in Kenya<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#1_Evacuation_Is_Conditional\" >1. Evacuation Is Conditional<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#2_Deductibles_Change_Behaviour\" >2. Deductibles Change Behaviour<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#3_Maternity_Is_Not_Automatic\" >3. Maternity Is Not Automatic<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#4_Pre-Existing_Conditions_Matter\" >4. Pre-Existing Conditions Matter<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#5_%E2%80%9CWorldwide%E2%80%9D_Often_Has_Tiers\" >5. \u201cWorldwide\u201d Often Has Tiers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#6_Group_Size_Changes_Leverage\" >6. Group Size Changes Leverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#7_The_Cheapest_Plan_Rarely_Has_the_Broadest_Wording\" >7. The Cheapest Plan Rarely Has the Broadest Wording<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#8_Renewal_Is_Not_Guaranteed\" >8. Renewal Is Not Guaranteed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#9_Claims_Support_Is_Not_Automatic\" >9. Claims Support Is Not Automatic<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#10_Structure_Beats_Brand\" >10. Structure Beats Brand<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#International_Medical_Insurance_in_Kenya_for_Diaspora_Families\" >International Medical Insurance in Kenya for Diaspora Families<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#International_Medical_Insurance_in_Kenya_for_NGOs\" >International Medical Insurance in Kenya for NGOs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-44\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Corporate_International_Medical_Insurance_in_Kenya\" >Corporate International Medical Insurance in Kenya<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Common_Mistakes\" >Common Mistakes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-46\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-47\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#What_is_international_medical_insurance_in_Kenya\" >What is international medical insurance in Kenya?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-48\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Is_it_different_from_expat_health_insurance\" >Is it different from expat health insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-49\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Does_it_include_evacuation\" >Does it include evacuation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-50\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#How_much_does_it_cost\" >How much does it cost?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-51\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Can_corporates_structure_group_programs\" >Can corporates structure group programs?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-52\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Final_Consideration\" >Final Consideration<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-53\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Diaspora_get_cross-border_cover_that_still_works_when_life_changes-2\" >Diaspora: get cross-border cover that still works when life changes.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-54\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#NGOs_duty-of-care_is_decided_by_wording_not_intention-2\" >NGOs: duty-of-care is decided by wording, not intention.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-55\" href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/#Corporate_global_medical_cover_is_a_governance_decision-2\" >Corporate: global medical cover is a governance decision.<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Understanding_the_Healthcare_System_in_Kenya\"><\/span><strong>Understanding the Healthcare System in Kenya<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To understand why international health insurance in Kenya exists, you must first understand the healthcare landscape.<\/p>\n\n\n\n<p>Kenya\u2019s healthcare ecosystem includes:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Public hospitals (often congested, limited specialist access)<\/li>\n\n\n\n<li>Private hospitals (higher standard, higher cost)<\/li>\n\n\n\n<li>Specialist centres which are concentrated in Nairobi and major cities<\/li>\n\n\n\n<li>Limited availability of advanced oncology and transplant facilities<\/li>\n<\/ol>\n\n\n\n<p>For routine outpatient treatment, private hospitals in Nairobi may provide adequate care. However, for complex cases, advanced cancer treatment, specialised neurosurgery, and rare pediatric conditions, many patients seek care in:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>South Africa<\/li>\n\n\n\n<li>India<\/li>\n\n\n\n<li>United Kingdom<\/li>\n\n\n\n<li>Europe<\/li>\n\n\n\n<li>Middle East<\/li>\n<\/ol>\n\n\n\n<p>Local health insurance may not support this mobility. International health insurance in Kenya is structured specifically for that escalation scenario.<\/p>\n\n\n\n<p>Healthcare access is not just about quality. It is about geographic flexibility.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_International_Health_Insurance_in_Kenya\"><\/span><strong>What Is International Health Insurance in Kenya?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>International health insurance in Kenya (IPMI) is a global private medical cover allowing treatment in multiple countries under one integrated policy.<\/p>\n\n\n\n<p>It is commonly referred to as:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Expat health insurance<\/li>\n\n\n\n<li>Global health insurance<\/li>\n\n\n\n<li>International private medical insurance<\/li>\n\n\n\n<li>Worldwide medical cover<\/li>\n<\/ol>\n\n\n\n<p>Key features often include:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>High annual benefit limits (USD 1M\u20135M+)<\/li>\n\n\n\n<li>Global hospital network access<\/li>\n\n\n\n<li>Inpatient and outpatient cover<\/li>\n\n\n\n<li>Oncology and chronic condition continuity<\/li>\n\n\n\n<li>Medical evacuation and repatriation<\/li>\n\n\n\n<li>Optional maternity cover<\/li>\n\n\n\n<li>Mental health benefits<\/li>\n<\/ol>\n\n\n\n<p>Unlike travel insurance, international health insurance in Kenya is long-term and renewable annually.<\/p>\n\n\n\n<p>It is not designed for short visits. It is designed for lifestyle mobility.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"International_Health_Insurance_in_Kenya_vs_Local_Health_Insurance\"><\/span><strong>International Health Insurance in Kenya vs Local Health Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Many people searching for \u201cbest health insurance Kenya\u201d do not immediately distinguish between local private cover and global IPMI.<\/p>\n\n\n\n<p>Here is the structural difference:<\/p>\n\n\n\n<!-- =========================\nAMSSURITY BRANDED FEATURE COMPARISON TABLE\nDesktop: fits one view (no horizontal scroll)\nMobile: collapses into card view\n========================= -->\n\n<section aria-label=\"Amssurity Table - IPMI vs Local Private Insurance\">\n  <style>\n    :root{\n      --am-blue:#015587;\n      --am-gold:#EFA31C;\n      --am-yellow:#FBC80B;\n      --am-ink:#0F172A;\n      --am-muted:#475569;\n      --am-border:rgba(2, 72, 110, 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0;\n      font-size:.97rem;\n      color:#64748b;\n      line-height:1.6;\n    }\n    .am-trust{\n      margin-top:12px;\n      border-top:1px solid rgba(1,86,134,.12);\n      padding-top:12px;\n      color:#475569;\n      font-size:14.5px;\n      line-height:1.7;\n    }\n    .am-trust span{display:inline-block;margin-right:14px;}\n  <\/style>\n\n  <div class=\"am-table-card\">\n    <div class=\"am-ribbon\">\n      <div class=\"am-ribbon-row\">\n        <div class=\"am-brand\">AMSSURITY INSURANCE AGENCY<\/div>\n        <div class=\"am-ribbon-tag\">IPMI vs Local Private Insurance<\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"am-wrap\">\n      <div class=\"am-rule\"><\/div>\n\n      <div class=\"am-head\">\n        <h2 class=\"am-title\"><span class=\"ez-toc-section\" id=\"Feature_comparison_International_vs_Local_Private_Cover\"><\/span>Feature comparison: International vs Local Private Cover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n        <p class=\"am-sub\">\n          Use this quick table to see what changes when you move from local private health insurance to international private medical insurance (IPMI).\n        <\/p>\n      <\/div>\n\n      <div class=\"am-body\">\n        <!-- Desktop -->\n        <table class=\"am-table\" aria-label=\"IPMI vs Local Private Insurance Feature Table\">\n          <thead>\n            <tr>\n              <th>Feature<\/th>\n              <th>International Private Medical Insurance<\/th>\n              <th>Local Private Insurance<\/th>\n            <\/tr>\n          <\/thead>\n          <tbody>\n            <tr>\n              <td class=\"am-feature\">Global hospital access<\/td>\n              <td class=\"am-yes\">Yes<\/td>\n              <td class=\"am-limited\">Limited<\/td>\n            <\/tr>\n            <tr>\n              <td class=\"am-feature\">Evacuation cover<\/td>\n              <td class=\"am-yes\">Often included<\/td>\n              <td class=\"am-rare\">Rare<\/td>\n            <\/tr>\n            <tr>\n              <td class=\"am-feature\">Repatriation of remains<\/td>\n              <td class=\"am-yes\">Included<\/td>\n              <td class=\"am-rare\">Rare<\/td>\n            <\/tr>\n            <tr>\n              <td class=\"am-feature\">Annual limits<\/td>\n              <td class=\"am-yes\">USD-based<\/td>\n              <td class=\"am-limited\">KES-based<\/td>\n            <\/tr>\n            <tr>\n              <td class=\"am-feature\">Cross-border continuity<\/td>\n              <td class=\"am-yes\">Yes<\/td>\n              <td class=\"am-no\">No<\/td>\n            <\/tr>\n            <tr>\n              <td class=\"am-feature\">Designed for expats<\/td>\n              <td class=\"am-yes\">Yes<\/td>\n              <td class=\"am-limited\">Limited<\/td>\n            <\/tr>\n          <\/tbody>\n        <\/table>\n\n        <!-- Mobile cards -->\n        <div class=\"am-cards\" aria-label=\"IPMI vs Local Private Insurance Cards\">\n          <div class=\"am-card-item\">\n            <div class=\"am-card-top\">\n              <p class=\"am-card-title\">Global hospital access<\/p>\n            <\/div>\n            <div class=\"am-card-grid\">\n              <div class=\"am-row\"><div class=\"am-k\">International<\/div><div class=\"am-v\">\u2713 Yes<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Local<\/div><div class=\"am-v\">\u2022 Limited<\/div><\/div>\n            <\/div>\n          <\/div>\n\n          <div class=\"am-card-item\">\n            <div class=\"am-card-top\">\n              <p class=\"am-card-title\">Evacuation cover<\/p>\n            <\/div>\n            <div class=\"am-card-grid\">\n              <div class=\"am-row\"><div class=\"am-k\">International<\/div><div class=\"am-v\">\u2713 Often included<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Local<\/div><div class=\"am-v\">\u25b3 Rare<\/div><\/div>\n            <\/div>\n          <\/div>\n\n          <div class=\"am-card-item\">\n            <div class=\"am-card-top\">\n              <p class=\"am-card-title\">Repatriation of remains<\/p>\n            <\/div>\n            <div class=\"am-card-grid\">\n              <div class=\"am-row\"><div class=\"am-k\">International<\/div><div class=\"am-v\">\u2713 Included<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Local<\/div><div class=\"am-v\">\u25b3 Rare<\/div><\/div>\n            <\/div>\n          <\/div>\n\n          <div class=\"am-card-item\">\n            <div class=\"am-card-top\">\n              <p class=\"am-card-title\">Annual limits<\/p>\n            <\/div>\n            <div class=\"am-card-grid\">\n              <div class=\"am-row\"><div class=\"am-k\">International<\/div><div class=\"am-v\">\u2713 USD-based<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Local<\/div><div class=\"am-v\">\u2022 KES-based<\/div><\/div>\n            <\/div>\n          <\/div>\n\n          <div class=\"am-card-item\">\n            <div class=\"am-card-top\">\n              <p class=\"am-card-title\">Cross-border continuity<\/p>\n            <\/div>\n            <div class=\"am-card-grid\">\n              <div class=\"am-row\"><div class=\"am-k\">International<\/div><div class=\"am-v\">\u2713 Yes<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Local<\/div><div class=\"am-v\">\u2715 No<\/div><\/div>\n            <\/div>\n          <\/div>\n\n          <div class=\"am-card-item\">\n            <div class=\"am-card-top\">\n              <p class=\"am-card-title\">Designed for expats<\/p>\n            <\/div>\n            <div class=\"am-card-grid\">\n              <div class=\"am-row\"><div class=\"am-k\">International<\/div><div class=\"am-v\">\u2713 Yes<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Local<\/div><div class=\"am-v\">\u2022 Limited<\/div><\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <p class=\"am-note\">\n          Tip: If you expect cross-border treatment, evacuation, or long-term continuity for chronic\/cancer care, compare the\n          <strong>schedule wording<\/strong> and <strong>assistance rules<\/strong> \u2014 not just the premium.\n        <\/p>\n\n        <div class=\"am-trust\">\n          <span>\u2714 One-screen comparison<\/span>\n          <span>\u2714 Mobile-friendly cards<\/span>\n          <span>\u2714 Built for claim-time clarity<\/span>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n\n<p><\/p>\n\n\n\n<p>If you live and work exclusively in Kenya, local private cover may suffice.<\/p>\n\n\n\n<p>If your life, employment, or family exposure spans multiple countries, international health insurance in Kenya becomes more appropriate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who_Should_Consider_International_Medical_Insurance_in_Kenya\"><\/span><strong>Who Should Consider International Medical Insurance in Kenya?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Expatriates_Living_in_Kenya\"><\/span><strong>1. Expatriates Living in Kenya<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Many expatriates work for multinational companies, embassies, NGOs, or regional offices. Employer-provided cover may vary in scope.<\/p>\n\n\n\n<p>International health insurance in Kenya ensures access to treatment beyond Nairobi.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<!-- =========================\nAMSSURITY CTA MODULE \u2013 HNI & EXPAT CLIENTS\nDesigned for International Private Medical Insurance articles\n========================= -->\n\n<section aria-label=\"Amssurity CTA - HNI &#038; Expat Clients\">\n  <style>\n    :root{\n      --am-blue:#015587;\n      --am-gold:#EFA31C;\n      --am-yellow:#FBC80B;\n      --am-ink:#0F172A;\n      --am-muted:#475569;\n      --am-border:rgba(2, 72, 110, .16);\n      --am-shadow:0 16px 44px rgba(2, 72, 110, .14);\n      --am-radius:18px;\n      --am-font: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;\n    }\n\n    .am-hni-card{\n      font-family:var(--am-font);\n      border:1px solid var(--am-border);\n      border-radius:var(--am-radius);\n      background:#fff;\n      box-shadow:var(--am-shadow);\n      overflow:hidden;\n      margin:30px 0;\n    }\n\n    .am-hni-ribbon{\n      background:linear-gradient(90deg,#F5B414 0%,#015686 55%,#0051AA 100%);\n      padding:12px 18px;\n    }\n\n    .am-hni-ribbon-row{\n      display:flex;\n      align-items:center;\n      justify-content:space-between;\n      flex-wrap:wrap;\n      gap:10px;\n    }\n\n    .am-hni-brand{\n      color:#fff;\n      font-weight:900;\n      letter-spacing:.03em;\n      font-size:14px;\n    }\n\n    .am-hni-tag{\n      color:#fff;\n      font-size:13px;\n      opacity:.95;\n      font-weight:700;\n    }\n\n    .am-hni-wrap{\n      background:\n      linear-gradient(180deg,rgba(245,180,20,.12) 0%,rgba(1,86,134,.05) 45%,#ffffff 100%);\n    }\n\n    .am-hni-rule{\n      height:4px;\n      background:#F5B414;\n      border-radius:8px;\n      margin:16px 18px 0;\n    }\n\n    .am-hni-head{\n      padding:20px 22px 10px;\n    }\n\n    .am-hni-title{\n      margin:0 0 6px;\n      font-size:1.75rem;\n      line-height:1.2;\n      font-weight:950;\n      color:var(--am-ink);\n      letter-spacing:-.02em;\n    }\n\n    .am-hni-sub{\n      margin:0;\n      font-size:1.15rem;\n      line-height:1.7;\n      color:var(--am-muted);\n    }\n\n    .am-hni-body{\n      padding:14px 22px 22px;\n    }\n\n    .am-hni-grid{\n      display:grid;\n      grid-template-columns:1fr;\n      gap:16px;\n    }\n\n    @media (min-width:900px){\n      .am-hni-grid{\n        grid-template-columns:1.35fr .65fr;\n        align-items:start;\n      }\n    }\n\n    .am-hni-points{\n      margin-top:10px;\n      display:flex;\n      flex-wrap:wrap;\n      gap:8px;\n    }\n\n    .am-hni-pill{\n      padding:7px 11px;\n      border-radius:999px;\n      font-weight:850;\n      font-size:.95rem;\n      border:1px solid rgba(1,85,135,.18);\n      background:rgba(1,85,135,.06);\n      color:var(--am-blue);\n    }\n\n    .am-hni-actions{\n      display:flex;\n      flex-wrap:wrap;\n      gap:10px;\n      margin-top:14px;\n    }\n\n    .am-hni-btn{\n      display:inline-flex;\n      align-items:center;\n      justify-content:center;\n      gap:8px;\n      padding:12px 16px;\n      border-radius:14px;\n      font-weight:950;\n      font-size:1.08rem;\n      text-decoration:none;\n      border:1px solid transparent;\n      transition:.18s ease;\n    }\n\n    .am-hni-primary{\n      color:#fff;\n      background:linear-gradient(135deg,var(--am-blue),#003A63);\n      box-shadow:0 10px 22px rgba(1,85,135,.22);\n    }\n\n    .am-hni-primary:hover{\n      box-shadow:0 14px 30px rgba(1,85,135,.30);\n    }\n\n    .am-hni-secondary{\n      color:var(--am-blue);\n      background:#fff;\n      border-color:rgba(1,85,135,.22);\n    }\n\n    .am-hni-gold{\n      color:#111;\n      background:linear-gradient(135deg,var(--am-gold),var(--am-yellow));\n      box-shadow:0 10px 22px rgba(239,163,28,.18);\n    }\n\n    .am-hni-side{\n      border-radius:16px;\n      padding:14px;\n      border:1px solid rgba(239,163,28,.25);\n      background:rgba(239,163,28,.10);\n    }\n\n    .am-hni-side-title{\n      margin:0 0 6px;\n      font-weight:950;\n      color:var(--am-ink);\n    }\n\n    .am-hni-side ul{\n      margin:0;\n      padding-left:18px;\n      color:var(--am-muted);\n      line-height:1.55;\n    }\n\n    .am-hni-note{\n      margin-top:10px;\n      font-size:.95rem;\n      color:#64748b;\n    }\n\n    .am-hni-trust{\n      margin-top:14px;\n      border-top:1px solid rgba(1,86,134,.12);\n      padding-top:12px;\n      font-size:14.5px;\n      color:#475569;\n    }\n\n    .am-hni-trust span{\n      display:inline-block;\n      margin-right:14px;\n    }\n  <\/style>\n\n  <div class=\"am-hni-card\">\n    <div class=\"am-hni-ribbon\">\n      <div class=\"am-hni-ribbon-row\">\n        <div class=\"am-hni-brand\">AMSSURITY INSURANCE AGENCY<\/div>\n        <div class=\"am-hni-tag\">Private Advisory \u2013 HNI &#038; Expat Families<\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"am-hni-wrap\">\n      <div class=\"am-hni-rule\"><\/div>\n\n      <div class=\"am-hni-head\">\n        <h2 class=\"am-hni-title\"><span class=\"ez-toc-section\" id=\"International_health_insurance_should_match_your_lifestyle_not_limit_it\"><\/span>\n          International health insurance should match your lifestyle, not limit it.\n        <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n        <p class=\"am-hni-sub\">\n          High-net-worth families and globally mobile professionals need more than\n          a policy. You need a structure that protects treatment access anywhere,\n          evacuation readiness, and long-term medical continuity.\n        <\/p>\n      <\/div>\n\n      <div class=\"am-hni-body\">\n        <div class=\"am-hni-grid\">\n\n          <div>\n\n            <div class=\"am-hni-points\">\n              <span class=\"am-hni-pill\">Global hospital networks<\/span>\n              <span class=\"am-hni-pill\">High annual limits<\/span>\n              <span class=\"am-hni-pill\">Evacuation &#038; repatriation<\/span>\n              <span class=\"am-hni-pill\">Maternity &#038; family planning<\/span>\n              <span class=\"am-hni-pill\">Private concierge claims support<\/span>\n            <\/div>\n\n            <div class=\"am-hni-actions\">\n\n              <a class=\"am-hni-btn am-hni-primary\" href=\"https:\/\/wa.me\/254725068537?text=Hello%20Amssurity%2C%20I%20would%20like%20a%20private%20IPMI%20advisory%20for%20expats%20or%20HNI%20clients.%0A%0ACountry%20of%20residence%3A%20__%0ARegion%20of%20cover%20needed%3A%20__%0AFamily%20members%3A%20__%0APreferred%20hospital%20regions%3A%20__\" target=\"_blank\" rel=\"noopener\">\n                 Request Private Advisory \u2192\n              <\/a>\n\n              <a class=\"am-hni-btn am-hni-secondary\" href=\"https:\/\/www.amssurity.co.ke\/health-insurance\" target=\"_blank\">\n                 Explore Health Insurance \u2192\n              <\/a>\n\n              <a class=\"am-hni-btn am-hni-gold\"\n                 href=\"mailto:agnes@amssurity.co.ke?subject=Private%20IPMI%20Advisory%20Request&#038;body=Hello%20Amssurity%2C%0A%0AI%20would%20like%20a%20private%20IPMI%20advisory.%0A%0ACountry%20of%20residence%3A%20__%0ARegion%20of%20cover%3A%20__%0AFamily%20members%3A%20__\">\n                 Email Request \u2192\n              <\/a>\n\n            <\/div>\n\n            <p class=\"am-hni-note\">\n              Confidential consultation. No obligation. We focus on clarity of\n              coverage wording before any policy purchase.\n            <\/p>\n\n            <div class=\"am-hni-trust\">\n              <span>\u2714 Global insurer access<\/span>\n              <span>\u2714 Structure before price<\/span>\n              <span>\u2714 Claims-ready advice<\/span>\n            <\/div>\n\n          <\/div>\n\n          <aside class=\"am-hni-side\">\n            <p class=\"am-hni-side-title\">Best suited for:<\/p>\n            <ul>\n              <li>Expats relocating to or from Kenya<\/li>\n              <li>High-net-worth families with international lifestyles<\/li>\n              <li>Executives and entrepreneurs working across countries<\/li>\n              <li>Clients needing evacuation and global hospital access<\/li>\n            <\/ul>\n          <\/aside>\n\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n\n<\/section>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Kenyan_Diaspora_Families\"><\/span><strong>2. Kenyan Diaspora Families<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Families split between Kenya and Europe, the UK, the US, or the Middle East face multi-country risk exposure.<\/p>\n\n\n\n<p>International health insurance in Kenya enables coordinated coverage under a single policy, avoiding fragmented coverage.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<!-- ========= CTA 1: DIASPORA FAMILIES ========= -->\n<section aria-label=\"Amssurity CTA - Diaspora Families\">\n  <style>\n    :root{\n      --am-blue:#015587;\n      --am-gold:#EFA31C;\n      --am-yellow:#FBC80B;\n      --am-ink:#0F172A;\n      --am-muted:#475569;\n      --am-border:rgba(2, 72, 110, .16);\n      --am-shadow:0 14px 40px rgba(2, 72, 110, .12);\n      --am-radius:18px;\n      --am-font: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;\n    }\n\n    \/* --- BRAND ADD-ONS (added; DOES NOT remove any original elements\/classes) --- *\/\n    .am-ribbon{\n      background:linear-gradient(90deg,#F5B414 0%,#015686 55%,#0051AA 100%);\n      padding:12px 16px;\n    }\n    .am-ribbon-row{\n      display:flex;\n      align-items:center;\n      gap:10px;\n      justify-content:space-between;\n      flex-wrap:wrap;\n    }\n    .am-brand{\n      color:#ffffff;\n      font-weight:800;\n      letter-spacing:.02em;\n      font-size:14px;\n    }\n    .am-ribbon-tag{\n      color:#fff;\n      font-size:13px;\n      opacity:.95;\n    }\n    .am-wrap{\n      background:linear-gradient(180deg,rgba(245,180,20,.10) 0%,rgba(1,86,134,.04) 45%,#ffffff 100%);\n    }\n    .am-rule{\n      height:4px;\n      background:#F5B414;\n      border-radius:8px;\n      margin:16px 18px 0;\n    }\n    .am-trust{\n      margin-top:12px;\n      border-top:1px solid rgba(1,86,134,.12);\n      padding-top:12px;\n      color:#475569;\n      font-size:14.5px;\n      line-height:1.7;\n    }\n    .am-trust span{display:inline-block;margin-right:14px;}\n\n    \/* --- ORIGINAL CSS (retained; not removed, not renamed) --- *\/\n    .am-card{\n      font-family:var(--am-font);\n      border:1px solid var(--am-border);\n      border-radius:var(--am-radius);\n      background:#fff;\n      box-shadow:var(--am-shadow);\n      overflow:hidden;\n      margin:26px 0;\n    }\n    .am-head{\n      padding:18px 18px 14px;\n      background:\n        radial-gradient(900px 240px at 20% 0%, rgba(239,163,28,.22), transparent 60%),\n        radial-gradient(900px 240px at 90% 10%, rgba(1,85,135,.20), transparent 60%),\n        linear-gradient(180deg, rgba(1,85,135,.08), rgba(255,255,255,1));\n      border-bottom:1px solid rgba(2, 72, 110, .10);\n    }\n    .am-title{\n      margin:0 0 6px;\n      font-size:1.75rem; \/* slightly larger typography scale *\/\n      line-height:1.15;\n      font-weight:900;\n      color:var(--am-ink);\n      letter-spacing:-.02em;\n    }\n    .am-sub{\n      margin:0;\n      font-size:1.16rem; \/* +0.1rem bump *\/\n      line-height:1.65;\n      color:var(--am-muted);\n    }\n    .am-body{ padding:16px 18px 18px; }\n    .am-chips{ display:flex; gap:8px; flex-wrap:wrap; margin-top:10px; }\n    .am-chip{\n      display:inline-flex; align-items:center; gap:8px;\n      padding:7px 10px;\n      border-radius:999px;\n      font-weight:850;\n      font-size:.95rem; \/* +0.05 *\/\n      border:1px solid rgba(1,85,135,.18);\n      background:rgba(1,85,135,.06);\n      color:var(--am-blue);\n    }\n    .am-chip b{ color:var(--am-ink); font-weight:950; }\n    .am-grid{ display:grid; grid-template-columns: 1fr; gap:14px; }\n    @media (min-width:900px){\n      .am-grid{ grid-template-columns: 1.35fr .65fr; align-items:start; }\n    }\n    .am-side{\n      border-radius:16px;\n      padding:14px;\n      border:1px solid rgba(239,163,28,.25);\n      background:rgba(239,163,28,.10);\n    }\n    .am-side-title{ margin:0 0 8px; font-weight:950; color:var(--am-ink); }\n    .am-side ul{ margin:0; padding-left:18px; color:var(--am-muted); line-height:1.55; }\n    .am-actions{ display:flex; gap:10px; flex-wrap:wrap; margin-top:14px; }\n    .am-btn{\n      display:inline-flex; align-items:center; justify-content:center; gap:10px;\n      padding:12px 16px;\n      border-radius:14px;\n      font-weight:950;\n      font-size:1.10rem; \/* +0.05 *\/\n      text-decoration:none;\n      border:1px solid transparent;\n      transition:transform .06s ease, box-shadow .18s ease, background .18s ease;\n      user-select:none;\n      cursor:pointer;\n    }\n    .am-btn:active{ transform:translateY(1px); }\n    .am-btn-primary{\n      color:#fff;\n      background:linear-gradient(135deg, var(--am-blue), #003A63);\n      box-shadow:0 10px 22px rgba(1,85,135,.22);\n    }\n    .am-btn-primary:hover{ box-shadow:0 14px 30px rgba(1,85,135,.28); }\n    .am-btn-secondary{\n      color:var(--am-blue);\n      background:#fff;\n      border-color:rgba(1,85,135,.22);\n    }\n    .am-btn-secondary:hover{ background:rgba(1,85,135,.04); }\n    .am-btn-gold{\n      color:var(--am-ink);\n      background:linear-gradient(135deg, var(--am-gold), var(--am-yellow));\n      box-shadow:0 10px 22px rgba(239,163,28,.18);\n    }\n    .am-note{ margin:10px 0 0; font-size:.98rem; color:#64748b; }\n  <\/style>\n\n  <div class=\"am-card\">\n    <div class=\"am-ribbon\">\n      <div class=\"am-ribbon-row\">\n        <div class=\"am-brand\">AMSSURITY INSURANCE AGENCY<\/div>\n        <div class=\"am-ribbon-tag\">For Diaspora Families<\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"am-wrap\">\n      <div class=\"am-rule\"><\/div>\n\n      <div class=\"am-head\">\n        <h2 class=\"am-title\"><span class=\"ez-toc-section\" id=\"Diaspora_get_cross-border_cover_that_still_works_when_life_changes\"><\/span>Diaspora: get cross-border cover that still works when life changes.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n        <p class=\"am-sub\">\n          Request a <strong>Diaspora IPMI Comparison Pack<\/strong>: 3 matched global options + a one-page brief showing\n          <strong>region of cover<\/strong>, <strong>deductible exposure<\/strong>, <strong>maternity &#038; newborn rules<\/strong>, and the real trade-offs\n          <strong>before you pay<\/strong>.\n        <\/p>\n        <div class=\"am-chips\">\n          <span class=\"am-chip\">\u23f1\ufe0f <b>24\u201348h<\/b> Pack<\/span>\n          <span class=\"am-chip\">\ud83e\uddfe <b>Plain English<\/b> Brief<\/span>\n          <span class=\"am-chip\">\ud83d\udedf <b>Claims<\/b> Support<\/span>\n        <\/div>\n      <\/div>\n\n      <div class=\"am-body\">\n        <div class=\"am-grid\">\n          <div>\n            <div class=\"am-actions\">\n              <a class=\"am-btn am-btn-primary\" href=\"https:\/\/wa.me\/254725068537?text=Hi%20Amssurity%2C%20please%20send%20my%20Diaspora%20IPMI%20Comparison%20Pack%20(3%20options%20%2B%20one-page%20brief).%0A%0AHome%20country%3A%20__%0AWhere%20care%20will%20be%20used%20most%3A%20Kenya%20%2F%20Abroad%20%2F%20Both%0ARegion%20of%20cover%20needed%3A%20Worldwide%20ex-USA%20%2F%20Worldwide%20incl-USA%20%2F%20Africa%2B%0AAges%3A%20__%2C%20__%0AMaternity%20planning%20in%2012%E2%80%9318%20months%3F%20Y%2FN%0APre-existing%20conditions%3F%20Y%2FN%0ABudget%20range%3A%20__\" target=\"_blank\" rel=\"noopener\">\n                WhatsApp: Send my Comparison Pack \u2192\n              <\/a>\n\n              <a class=\"am-btn am-btn-secondary\" href=\"https:\/\/www.amssurity.co.ke\/health-insurance\" target=\"_blank\" rel=\"noopener\">\n                Explore health options \u2192\n              <\/a>\n\n              <a class=\"am-btn am-btn-gold\"\n                 href=\"mailto:agnes@amssurity.co.ke?subject=Diaspora%20IPMI%20Comparison%20Pack%20Request&#038;body=Hi%20Amssurity%2C%0A%0APlease%20send%20my%20Diaspora%20IPMI%20Comparison%20Pack%20(3%20options%20%2B%20one-page%20brief).%0A%0AHome%20country%3A%20__%0AWhere%20care%20will%20be%20used%20most%3A%20Kenya%20%2F%20Abroad%20%2F%20Both%0ARegion%20of%20cover%20needed%3A%20Worldwide%20ex-USA%20%2F%20Worldwide%20incl-USA%20%2F%20Africa%2B%0AAges%3A%20__%2C%20__%0AMaternity%20planning%20in%2012%E2%80%9318%20months%3F%20Y%2FN%0APre-existing%20conditions%3F%20Y%2FN%0ABudget%20range%3A%20__%0A%0AThanks.\">\n                Email details \u2192\n              <\/a>\n            <\/div>\n\n            <p class=\"am-note\">No spam. No obligation. If the wording won\u2019t hold at claim time, we\u2019ll tell you.<\/p>\n\n            <div class=\"am-trust\">\n              <span>\u2714 Portability clarity<\/span>\n              <span>\u2714 Deductible explained<\/span>\n              <span>\u2714 Avoid claim-time surprises<\/span>\n            <\/div>\n          <\/div>\n\n          <aside class=\"am-side\" aria-label=\"Diaspora best fit\">\n            <p class=\"am-side-title\">Best for diaspora who:<\/p>\n            <ul>\n              <li>Split time between Kenya and abroad<\/li>\n              <li>Need maternity\/newborn rules clarified early<\/li>\n              <li>Want evacuation wording explained plainly<\/li>\n            <\/ul>\n          <\/aside>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_NGOs_Humanitarian_Organizations\"><\/span><strong>3. NGOs &amp; Humanitarian Organizations<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Duty-of-care obligations extend beyond local hospital bills.<\/p>\n\n\n\n<p>Evacuation coordination, repatriation, crisis response, and geographic exclusions must be reviewed carefully.<\/p>\n\n\n\n<p>International medical insurance in Kenya often forms the backbone of NGO staff protection frameworks.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<!-- ========= CTA 2: NGO \/ HUMANITARIAN ========= -->\n<section aria-label=\"Amssurity CTA - NGOs &#038; Humanitarian Teams\">\n  <style>\n    \/* Reuse same styles (safe if repeated in WP blocks). If you embed all CTAs on one page, you can remove duplicate <style> blocks. *\/\n    :root{\n      --am-blue:#015587;\n      --am-gold:#EFA31C;\n      --am-yellow:#FBC80B;\n      --am-ink:#0F172A;\n      --am-muted:#475569;\n      --am-border:rgba(2, 72, 110, .16);\n      --am-shadow:0 14px 40px rgba(2, 72, 110, .12);\n      --am-radius:18px;\n      --am-font: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;\n    }\n    .am-ribbon{background:linear-gradient(90deg,#F5B414 0%,#015686 55%,#0051AA 100%);padding:12px 16px;}\n    .am-ribbon-row{display:flex;align-items:center;gap:10px;justify-content:space-between;flex-wrap:wrap;}\n    .am-brand{color:#ffffff;font-weight:800;letter-spacing:.02em;font-size:14px;}\n    .am-ribbon-tag{color:#fff;font-size:13px;opacity:.95;}\n    .am-wrap{background:linear-gradient(180deg,rgba(245,180,20,.10) 0%,rgba(1,86,134,.04) 45%,#ffffff 100%);}\n    .am-rule{height:4px;background:#F5B414;border-radius:8px;margin:16px 18px 0;}\n    .am-trust{margin-top:12px;border-top:1px solid rgba(1,86,134,.12);padding-top:12px;color:#475569;font-size:14.5px;line-height:1.7;}\n    .am-trust span{display:inline-block;margin-right:14px;}\n    .am-card{font-family:var(--am-font);border:1px solid var(--am-border);border-radius:var(--am-radius);background:#fff;box-shadow:var(--am-shadow);overflow:hidden;margin:26px 0;}\n    .am-head{padding:18px 18px 14px;background:radial-gradient(900px 240px at 20% 0%, rgba(239,163,28,.22), transparent 60%),radial-gradient(900px 240px at 90% 10%, rgba(1,85,135,.20), transparent 60%),linear-gradient(180deg, rgba(1,85,135,.08), rgba(255,255,255,1));border-bottom:1px solid rgba(2, 72, 110, .10);}\n    .am-title{margin:0 0 6px;font-size:1.75rem;line-height:1.15;font-weight:900;color:var(--am-ink);letter-spacing:-.02em;}\n    .am-sub{margin:0;font-size:1.16rem;line-height:1.65;color:var(--am-muted);}\n    .am-body{padding:16px 18px 18px;}\n    .am-chips{display:flex;gap:8px;flex-wrap:wrap;margin-top:10px;}\n    .am-chip{display:inline-flex;align-items:center;gap:8px;padding:7px 10px;border-radius:999px;font-weight:850;font-size:.95rem;border:1px solid rgba(1,85,135,.18);background:rgba(1,85,135,.06);color:var(--am-blue);}\n    .am-chip b{color:var(--am-ink);font-weight:950;}\n    .am-grid{display:grid;grid-template-columns:1fr;gap:14px;}\n    @media (min-width:900px){.am-grid{grid-template-columns:1.35fr .65fr;align-items:start;}}\n    .am-side{border-radius:16px;padding:14px;border:1px solid rgba(239,163,28,.25);background:rgba(239,163,28,.10);}\n    .am-side-title{margin:0 0 8px;font-weight:950;color:var(--am-ink);}\n    .am-side ul{margin:0;padding-left:18px;color:var(--am-muted);line-height:1.55;}\n    .am-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:14px;}\n    .am-btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:12px 16px;border-radius:14px;font-weight:950;font-size:1.10rem;text-decoration:none;border:1px solid transparent;transition:transform .06s ease, box-shadow .18s ease, background .18s ease;user-select:none;cursor:pointer;}\n    .am-btn:active{transform:translateY(1px);}\n    .am-btn-primary{color:#fff;background:linear-gradient(135deg, var(--am-blue), #003A63);box-shadow:0 10px 22px rgba(1,85,135,.22);}\n    .am-btn-primary:hover{box-shadow:0 14px 30px rgba(1,85,135,.28);}\n    .am-btn-secondary{color:var(--am-blue);background:#fff;border-color:rgba(1,85,135,.22);}\n    .am-btn-secondary:hover{background:rgba(1,85,135,.04);}\n    .am-btn-gold{color:var(--am-ink);background:linear-gradient(135deg, var(--am-gold), var(--am-yellow));box-shadow:0 10px 22px rgba(239,163,28,.18);}\n    .am-note{margin:10px 0 0;font-size:.98rem;color:#64748b;}\n  <\/style>\n\n  <div class=\"am-card\">\n    <div class=\"am-ribbon\">\n      <div class=\"am-ribbon-row\">\n        <div class=\"am-brand\">AMSSURITY INSURANCE AGENCY<\/div>\n        <div class=\"am-ribbon-tag\">For NGOs & Humanitarian Teams<\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"am-wrap\">\n      <div class=\"am-rule\"><\/div>\n\n      <div class=\"am-head\">\n        <h2 class=\"am-title\"><span class=\"ez-toc-section\" id=\"NGOs_duty-of-care_is_decided_by_wording_not_intention\"><\/span>NGOs: duty-of-care is decided by wording, not intention.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n        <p class=\"am-sub\">\n          Request an <strong>NGO IPMI Risk Review<\/strong>: a structured assessment of evacuation wording, geographic exclusions,\n          assistance protocols, and group underwriting options \u2014 with a practical brief your leadership can act on.\n        <\/p>\n        <div class=\"am-chips\">\n          <span class=\"am-chip\">\ud83e\udded <b>Duty-of-care<\/b> Review<\/span>\n          <span class=\"am-chip\">\ud83d\ude81 <b>Evacuation<\/b> Wording<\/span>\n          <span class=\"am-chip\">\ud83d\udcc4 <b>48h<\/b> Written Brief<\/span>\n        <\/div>\n      <\/div>\n\n      <div class=\"am-body\">\n        <div class=\"am-grid\">\n          <div>\n            <div class=\"am-actions\">\n              <a class=\"am-btn am-btn-primary\" href=\"https:\/\/wa.me\/254725068537?text=Hi%20Amssurity%2C%20please%20book%20an%20NGO%20IPMI%20Risk%20Review.%0A%0AOrganisation%3A%20__%0AStaff%20count%20to%20cover%3A%20__%0ACountries%20of%20deployment%3A%20__%0AHigh-risk%20areas%20involved%3F%20Y%2FN%0AKey%20concerns%3A%20Evacuation%20%2F%20Mental%20health%20%2F%20Chronic%20care%20%2F%20Other%20__%0ABudget%20range%3A%20__%0A%0AWe%E2%80%99d%20like%20a%2048h%20written%20brief.\" target=\"_blank\" rel=\"noopener\">\n                WhatsApp: Book NGO Risk Review \u2192\n              <\/a>\n\n              <a class=\"am-btn am-btn-secondary\" href=\"https:\/\/www.amssurity.co.ke\/health-insurance\" target=\"_blank\" rel=\"noopener\">\n                Explore health options \u2192\n              <\/a>\n\n              <a class=\"am-btn am-btn-gold\"\n                 href=\"mailto:agnes@amssurity.co.ke?subject=NGO%20IPMI%20Risk%20Review%20Request&#038;body=Hi%20Amssurity%2C%0A%0APlease%20book%20an%20NGO%20IPMI%20Risk%20Review.%0A%0AOrganisation%3A%20__%0AStaff%20count%20to%20cover%3A%20__%0ACountries%20of%20deployment%3A%20__%0AHigh-risk%20areas%20involved%3F%20Y%2FN%0AKey%20concerns%3A%20Evacuation%20%2F%20Mental%20health%20%2F%20Chronic%20care%20%2F%20Other%20__%0ABudget%20range%3A%20__%0A%0AWe%E2%80%99d%20like%20a%2048h%20written%20brief.%0A%0AThanks.\">\n                Email details \u2192\n              <\/a>\n            <\/div>\n\n            <p class=\"am-note\">Confidential. No obligation. We highlight structural gaps before they become emergencies.<\/p>\n\n            <div class=\"am-trust\">\n              <span>\u2714 Evacuation clause clarity<\/span>\n              <span>\u2714 Deployment-fit region cover<\/span>\n              <span>\u2714 Leadership-ready brief<\/span>\n            <\/div>\n          <\/div>\n\n          <aside class=\"am-side\" aria-label=\"NGO best fit\">\n            <p class=\"am-side-title\">Best for NGOs who:<\/p>\n            <ul>\n              <li>Deploy staff across regions or borders<\/li>\n              <li>Need evacuation and assistance protocols reviewed<\/li>\n              <li>Want a defensible duty-of-care position<\/li>\n            <\/ul>\n          <\/aside>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Corporate_Mobility_Programs\"><\/span><strong>4. Corporate Mobility Programs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Global companies transferring executives between Nairobi, Johannesburg, London, and Dubai require standardized benefits.<\/p>\n\n\n\n<p>International health insurance in Kenya supports benefit equalisation and compliance.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<!-- ========= CTA 3: CORPORATE \/ MULTINATIONAL ========= -->\n<section aria-label=\"Amssurity CTA - Corporate Expat Programs\">\n  <style>\n    :root{\n      --am-blue:#015587;\n      --am-gold:#EFA31C;\n      --am-yellow:#FBC80B;\n      --am-ink:#0F172A;\n      --am-muted:#475569;\n      --am-border:rgba(2, 72, 110, .16);\n      --am-shadow:0 14px 40px rgba(2, 72, 110, .12);\n      --am-radius:18px;\n      --am-font: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;\n    }\n    .am-ribbon{background:linear-gradient(90deg,#F5B414 0%,#015686 55%,#0051AA 100%);padding:12px 16px;}\n    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rgba(239,163,28,.25);background:rgba(239,163,28,.10);}\n    .am-side-title{margin:0 0 8px;font-weight:950;color:var(--am-ink);}\n    .am-side ul{margin:0;padding-left:18px;color:var(--am-muted);line-height:1.55;}\n    .am-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:14px;}\n    .am-btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:12px 16px;border-radius:14px;font-weight:950;font-size:1.10rem;text-decoration:none;border:1px solid transparent;transition:transform .06s ease, box-shadow .18s ease, background .18s ease;user-select:none;cursor:pointer;}\n    .am-btn:active{transform:translateY(1px);}\n    .am-btn-primary{color:#fff;background:linear-gradient(135deg, var(--am-blue), #003A63);box-shadow:0 10px 22px rgba(1,85,135,.22);}\n    .am-btn-primary:hover{box-shadow:0 14px 30px rgba(1,85,135,.28);}\n    .am-btn-secondary{color:var(--am-blue);background:#fff;border-color:rgba(1,85,135,.22);}\n    .am-btn-secondary:hover{background:rgba(1,85,135,.04);}\n    .am-btn-gold{color:var(--am-ink);background:linear-gradient(135deg, var(--am-gold), var(--am-yellow));box-shadow:0 10px 22px rgba(239,163,28,.18);}\n    .am-note{margin:10px 0 0;font-size:.98rem;color:#64748b;}\n  <\/style>\n\n  <div class=\"am-card\">\n    <div class=\"am-ribbon\">\n      <div class=\"am-ribbon-row\">\n        <div class=\"am-brand\">AMSSURITY INSURANCE AGENCY<\/div>\n        <div class=\"am-ribbon-tag\">For Corporate Expat Programs<\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"am-wrap\">\n      <div class=\"am-rule\"><\/div>\n\n      <div class=\"am-head\">\n        <h2 class=\"am-title\"><span class=\"ez-toc-section\" id=\"Corporate_global_medical_cover_is_a_governance_decision\"><\/span>Corporate: global medical cover is a governance decision.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n        <p class=\"am-sub\">\n          Book a <strong>Corporate IPMI Strategy Session<\/strong>: we review your current structure, mobility exposure,\n          renewal risk, and the trade-offs that affect executive experience and HR accountability.\n        <\/p>\n        <div class=\"am-chips\">\n          <span class=\"am-chip\">\ud83e\udde0 <b>Strategy<\/b> Review<\/span>\n          <span class=\"am-chip\">\ud83c\udf0d <b>Mobility<\/b> Fit<\/span>\n          <span class=\"am-chip\">\ud83d\udcc8 <b>Renewal<\/b> Risk<\/span>\n        <\/div>\n      <\/div>\n\n      <div class=\"am-body\">\n        <div class=\"am-grid\">\n          <div>\n            <div class=\"am-actions\">\n              <a class=\"am-btn am-btn-primary\" href=\"https:\/\/wa.me\/254725068537?text=Hi%20Amssurity%2C%20please%20book%20a%20Corporate%20IPMI%20Strategy%20Session.%0A%0ACompany%3A%20__%0AStaff%20to%20cover%3A%20__%0AExpat%20locations%20%2F%20mobility%20routes%3A%20__%0ARegion%20of%20cover%20needed%3A%20Worldwide%20ex-USA%20%2F%20Worldwide%20incl-USA%20%2F%20Africa%2B%0ARenewal%20timeline%3A%20__%0AKey%20issues%3A%20Claims%20%2F%20Cost%20%2F%20Network%20%2F%20Approvals%0A%0APlease%20share%20available%20slots.\" target=\"_blank\" rel=\"noopener\">\n                WhatsApp: Book strategy session \u2192\n              <\/a>\n\n              <a class=\"am-btn am-btn-secondary\" href=\"https:\/\/www.amssurity.co.ke\/blog\/guide-to-employee-benefits-in-kenya\/\" target=\"_blank\" rel=\"noopener\">\n                Read employee benefits guide \u2192\n              <\/a>\n\n              <a class=\"am-btn am-btn-gold\"\n                 href=\"mailto:agnes@amssurity.co.ke?subject=Corporate%20IPMI%20Strategy%20Session%20Request&#038;body=Hi%20Amssurity%2C%0A%0APlease%20book%20a%20Corporate%20IPMI%20Strategy%20Session.%0A%0ACompany%3A%20__%0AStaff%20to%20cover%3A%20__%0AExpat%20locations%20%2F%20mobility%20routes%3A%20__%0ARegion%20of%20cover%20needed%3A%20Worldwide%20ex-USA%20%2F%20Worldwide%20incl-USA%20%2F%20Africa%2B%0ARenewal%20timeline%3A%20__%0AKey%20issues%3A%20Claims%20%2F%20Cost%20%2F%20Network%20%2F%20Approvals%0A%0APlease%20share%20available%20slots.%0A%0AThanks.\">\n                Email details \u2192\n              <\/a>\n            <\/div>\n\n            <p class=\"am-note\">Confidential. No obligation. We\u2019ll tell you where the structure will fail before it does.<\/p>\n\n            <div class=\"am-trust\">\n              <span>\u2714 Executive-ready benefits<\/span>\n              <span>\u2714 HR risk reduction<\/span>\n              <span>\u2714 Defensible renewal decisions<\/span>\n            <\/div>\n          <\/div>\n\n          <aside class=\"am-side\" aria-label=\"Corporate best fit\">\n            <p class=\"am-side-title\">Best for companies who:<\/p>\n            <ul>\n              <li>Have expats or mobile executives<\/li>\n              <li>Need consistent global benefits across regions<\/li>\n              <li>Want fewer claim escalations to HR<\/li>\n            <\/ul>\n          <\/aside>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_High-Net-Worth_Families\"><\/span><strong>5. High-Net-Worth Families<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>High networth  individuals often prioritise:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Access to top-tier hospitals globally<\/li>\n\n\n\n<li>Rapid evacuation<\/li>\n\n\n\n<li>Private room standards<\/li>\n\n\n\n<li>International specialist choice<\/li>\n<\/ol>\n\n\n\n<!-- =========================\nAMSSURITY CTA MODULE \u2013 HNI & EXPAT CLIENTS\nDesigned for International Private Medical Insurance articles\n========================= -->\n\n<section aria-label=\"Amssurity CTA - HNI &#038; Expat Clients\">\n  <style>\n    :root{\n      --am-blue:#015587;\n      --am-gold:#EFA31C;\n      --am-yellow:#FBC80B;\n      --am-ink:#0F172A;\n      --am-muted:#475569;\n      --am-border:rgba(2, 72, 110, .16);\n      --am-shadow:0 16px 44px rgba(2, 72, 110, .14);\n      --am-radius:18px;\n      --am-font: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;\n    }\n\n    .am-hni-card{\n      font-family:var(--am-font);\n      border:1px solid var(--am-border);\n      border-radius:var(--am-radius);\n      background:#fff;\n      box-shadow:var(--am-shadow);\n      overflow:hidden;\n      margin:30px 0;\n    }\n\n    .am-hni-ribbon{\n      background:linear-gradient(90deg,#F5B414 0%,#015686 55%,#0051AA 100%);\n      padding:12px 18px;\n    }\n\n    .am-hni-ribbon-row{\n      display:flex;\n      align-items:center;\n      justify-content:space-between;\n      flex-wrap:wrap;\n      gap:10px;\n    }\n\n    .am-hni-brand{\n      color:#fff;\n      font-weight:900;\n      letter-spacing:.03em;\n      font-size:14px;\n    }\n\n    .am-hni-tag{\n      color:#fff;\n      font-size:13px;\n      opacity:.95;\n      font-weight:700;\n    }\n\n    .am-hni-wrap{\n      background:\n      linear-gradient(180deg,rgba(245,180,20,.12) 0%,rgba(1,86,134,.05) 45%,#ffffff 100%);\n    }\n\n    .am-hni-rule{\n      height:4px;\n      background:#F5B414;\n      border-radius:8px;\n      margin:16px 18px 0;\n    }\n\n    .am-hni-head{\n      padding:20px 22px 10px;\n    }\n\n    .am-hni-title{\n      margin:0 0 6px;\n      font-size:1.75rem;\n      line-height:1.2;\n      font-weight:950;\n      color:var(--am-ink);\n      letter-spacing:-.02em;\n    }\n\n    .am-hni-sub{\n      margin:0;\n      font-size:1.15rem;\n      line-height:1.7;\n      color:var(--am-muted);\n    }\n\n    .am-hni-body{\n      padding:14px 22px 22px;\n    }\n\n    .am-hni-grid{\n      display:grid;\n      grid-template-columns:1fr;\n      gap:16px;\n    }\n\n    @media (min-width:900px){\n      .am-hni-grid{\n        grid-template-columns:1.35fr .65fr;\n        align-items:start;\n      }\n    }\n\n    .am-hni-points{\n      margin-top:10px;\n      display:flex;\n      flex-wrap:wrap;\n      gap:8px;\n    }\n\n    .am-hni-pill{\n      padding:7px 11px;\n      border-radius:999px;\n      font-weight:850;\n      font-size:.95rem;\n      border:1px solid 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background:linear-gradient(135deg,var(--am-gold),var(--am-yellow));\n      box-shadow:0 10px 22px rgba(239,163,28,.18);\n    }\n\n    .am-hni-side{\n      border-radius:16px;\n      padding:14px;\n      border:1px solid rgba(239,163,28,.25);\n      background:rgba(239,163,28,.10);\n    }\n\n    .am-hni-side-title{\n      margin:0 0 6px;\n      font-weight:950;\n      color:var(--am-ink);\n    }\n\n    .am-hni-side ul{\n      margin:0;\n      padding-left:18px;\n      color:var(--am-muted);\n      line-height:1.55;\n    }\n\n    .am-hni-note{\n      margin-top:10px;\n      font-size:.95rem;\n      color:#64748b;\n    }\n\n    .am-hni-trust{\n      margin-top:14px;\n      border-top:1px solid rgba(1,86,134,.12);\n      padding-top:12px;\n      font-size:14.5px;\n      color:#475569;\n    }\n\n    .am-hni-trust span{\n      display:inline-block;\n      margin-right:14px;\n    }\n  <\/style>\n\n  <div class=\"am-hni-card\">\n    <div class=\"am-hni-ribbon\">\n      <div class=\"am-hni-ribbon-row\">\n        <div class=\"am-hni-brand\">AMSSURITY INSURANCE AGENCY<\/div>\n        <div class=\"am-hni-tag\">Private Advisory \u2013 HNI & Expat Families<\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"am-hni-wrap\">\n      <div class=\"am-hni-rule\"><\/div>\n\n      <div class=\"am-hni-head\">\n        <h2 class=\"am-hni-title\"><span class=\"ez-toc-section\" id=\"International_health_insurance_should_match_your_lifestyle_not_limit_it-2\"><\/span>\n          International health insurance should match your lifestyle, not limit it.\n        <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n        <p class=\"am-hni-sub\">\n          High-net-worth families and globally mobile professionals need more than\n          a policy. You need a structure that protects treatment access anywhere,\n          evacuation readiness, and long-term medical continuity.\n        <\/p>\n      <\/div>\n\n      <div class=\"am-hni-body\">\n        <div class=\"am-hni-grid\">\n\n          <div>\n\n            <div class=\"am-hni-points\">\n              <span class=\"am-hni-pill\">Global hospital networks<\/span>\n              <span class=\"am-hni-pill\">High annual limits<\/span>\n              <span class=\"am-hni-pill\">Evacuation & repatriation<\/span>\n              <span class=\"am-hni-pill\">Maternity & family planning<\/span>\n              <span class=\"am-hni-pill\">Private concierge claims support<\/span>\n            <\/div>\n\n            <div class=\"am-hni-actions\">\n\n              <a class=\"am-hni-btn am-hni-primary\" href=\"https:\/\/wa.me\/254725068537?text=Hello%20Amssurity%2C%20I%20would%20like%20a%20private%20IPMI%20advisory%20for%20expats%20or%20HNI%20clients.%0A%0ACountry%20of%20residence%3A%20__%0ARegion%20of%20cover%20needed%3A%20__%0AFamily%20members%3A%20__%0APreferred%20hospital%20regions%3A%20__\" target=\"_blank\" rel=\"noopener\">\n                 Request Private Advisory \u2192\n              <\/a>\n\n              <a class=\"am-hni-btn am-hni-secondary\" href=\"https:\/\/www.amssurity.co.ke\/health-insurance\" target=\"_blank\">\n                 Explore Health Insurance \u2192\n              <\/a>\n\n              <a class=\"am-hni-btn am-hni-gold\"\n                 href=\"mailto:agnes@amssurity.co.ke?subject=Private%20IPMI%20Advisory%20Request&#038;body=Hello%20Amssurity%2C%0A%0AI%20would%20like%20a%20private%20IPMI%20advisory.%0A%0ACountry%20of%20residence%3A%20__%0ARegion%20of%20cover%3A%20__%0AFamily%20members%3A%20__\">\n                 Email Request \u2192\n              <\/a>\n\n            <\/div>\n\n            <p class=\"am-hni-note\">\n              Confidential consultation. No obligation. We focus on clarity of\n              coverage wording before any policy purchase.\n            <\/p>\n\n            <div class=\"am-hni-trust\">\n              <span>\u2714 Global insurer access<\/span>\n              <span>\u2714 Structure before price<\/span>\n              <span>\u2714 Claims-ready advice<\/span>\n            <\/div>\n\n          <\/div>\n\n          <aside class=\"am-hni-side\">\n            <p class=\"am-hni-side-title\">Best suited for:<\/p>\n            <ul>\n              <li>Expats relocating to or from Kenya<\/li>\n              <li>High-net-worth families with international lifestyles<\/li>\n              <li>Executives and entrepreneurs working across countries<\/li>\n              <li>Clients needing evacuation and global hospital access<\/li>\n            <\/ul>\n          <\/aside>\n\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n\n<\/section>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Leading_Providers_of_International_Health_Insurance_in_Kenya\"><\/span><strong>Leading Providers of International Health Insurance in Kenya<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Several global insurers and regional players serve clients in Kenya.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cigna_Global\"><\/span><strong>Cigna Global<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Modular plans<\/li>\n\n\n\n<li>Worldwide hospital access<\/li>\n\n\n\n<li>Strong evacuation infrastructure<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Allianz_Care\"><\/span><strong>Allianz Care<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Designed for corporate and NGO groups<\/li>\n\n\n\n<li>Global assistance network<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bupa_Global\"><\/span><strong>Bupa Global<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Premium access<\/li>\n\n\n\n<li>Strong maternity options<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"APRIL_International\"><\/span><strong>APRIL International<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Flexible deductible structures<\/li>\n\n\n\n<li>Competitive mid-tier pricing<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Jubilee_Health_Insurance\"><\/span><strong>Jubilee Health Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Hybrid regional structures<\/li>\n\n\n\n<li>Local presence<\/li>\n<\/ol>\n\n\n\n<p>When evaluating international health insurance in Kenya, do not rely solely on provider branding. Compare benefit schedules line by line.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_International_Medical_Insurance_in_Kenya_by_Use_Case\"><\/span><strong>Best International Medical Insurance in Kenya by Use Case<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<!-- =========================\nAMSSURITY BRANDED \"BEST BY USE CASE\" TABLE\nDesktop: fits one view (no horizontal scroll)\nMobile: collapses into card view\n========================= -->\n\n<section aria-label=\"Amssurity Table - Best IPMI by Use Case\">\n  <style>\n    :root{\n      --am-blue:#015587;\n      --am-gold:#EFA31C;\n      --am-yellow:#FBC80B;\n      --am-ink:#0F172A;\n      --am-muted:#475569;\n      --am-border:rgba(2, 72, 110, .16);\n      --am-shadow:0 14px 40px rgba(2, 72, 110, .10);\n      --am-radius:18px;\n      --am-font: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;\n    }\n\n    .am-table-card{\n      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.10);\n      background:\n        radial-gradient(900px 240px at 20% 0%, rgba(239,163,28,.20), transparent 60%),\n        radial-gradient(900px 240px at 90% 10%, rgba(1,85,135,.18), transparent 60%),\n        linear-gradient(180deg, rgba(1,85,135,.06), rgba(255,255,255,1));\n    }\n    .am-title{\n      margin:0 0 6px;\n      font-size:1.45rem;\n      line-height:1.15;\n      font-weight:950;\n      color:var(--am-ink);\n      letter-spacing:-.02em;\n    }\n    .am-sub{\n      margin:0;\n      font-size:1.06rem;\n      line-height:1.65;\n      color:var(--am-muted);\n    }\n\n    .am-body{ padding:14px 18px 18px; }\n\n    \/* Desktop table *\/\n    .am-table{\n      width:100%;\n      border-collapse:separate;\n      border-spacing:0;\n      table-layout:fixed;\n      font-size:1.0rem;\n      color:var(--am-ink);\n    }\n    .am-table thead th{\n      text-align:left;\n      padding:12px 12px;\n      background:rgba(1,85,135,.06);\n      color:var(--am-blue);\n      font-weight:950;\n  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align-items:start;\n      }\n      .am-k{\n        color:var(--am-blue);\n        font-weight:950;\n        font-size:.93rem;\n      }\n      .am-v{\n        color:var(--am-ink);\n        font-weight:750;\n        font-size:.98rem;\n        line-height:1.45;\n      }\n    }\n\n    .am-note{\n      margin:10px 0 0;\n      font-size:.97rem;\n      color:#64748b;\n      line-height:1.6;\n    }\n    .am-trust{\n      margin-top:12px;\n      border-top:1px solid rgba(1,86,134,.12);\n      padding-top:12px;\n      color:#475569;\n      font-size:14.5px;\n      line-height:1.7;\n    }\n    .am-trust span{display:inline-block;margin-right:14px;}\n  <\/style>\n\n  <div class=\"am-table-card\">\n    <div class=\"am-ribbon\">\n      <div class=\"am-ribbon-row\">\n        <div class=\"am-brand\">AMSSURITY INSURANCE AGENCY<\/div>\n        <div class=\"am-ribbon-tag\">Best IPMI by Use Case<\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"am-wrap\">\n      <div class=\"am-rule\"><\/div>\n\n      <div class=\"am-head\">\n        <h2 class=\"am-title\"><span class=\"ez-toc-section\" id=\"Best-fit_guide_choose_by_use_case_not_by_brochure\"><\/span>Best-fit guide: choose by use case (not by brochure)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n        <p class=\"am-sub\">\n          Use this table to shortlist the right structure first \u2014 then compare the exact wording, limits, and deductibles.\n        <\/p>\n      <\/div>\n\n      <div class=\"am-body\">\n        <!-- Desktop -->\n        <table class=\"am-table\" aria-label=\"Best IPMI by Use Case Table\">\n          <thead>\n            <tr>\n              <th>Use Case<\/th>\n              <th>Structural Priority<\/th>\n              <th>Example Providers<\/th>\n            <\/tr>\n          <\/thead>\n          <tbody>\n            <tr>\n              <td class=\"am-usecase\">Expat family<\/td>\n              <td class=\"am-priority\">Evacuation + maternity<\/td>\n              <td class=\"am-providers\"><b>Cigna<\/b>, <b>Bupa<\/b><\/td>\n            <\/tr>\n            <tr>\n              <td class=\"am-usecase\">NGO deployment<\/td>\n              <td class=\"am-priority\">Crisis coordination<\/td>\n              <td class=\"am-providers\"><b>Allianz<\/b><\/td>\n            <\/tr>\n            <tr>\n              <td class=\"am-usecase\">Corporate expats<\/td>\n              <td class=\"am-priority\">Standardized global limits<\/td>\n              <td class=\"am-providers\"><b>Allianz<\/b>,<b>Bupa<\/b>, <b>Cigna<\/b><\/td>\n            <\/tr>\n            <tr>\n              <td class=\"am-usecase\">Budget-conscious expats<\/td>\n              <td class=\"am-priority\">Higher deductible<\/td>\n              <td class=\"am-providers\"><b>APRIL<\/b><\/td>\n            <\/tr>\n            <tr>\n              <td class=\"am-usecase\">Hybrid local\/global<\/td>\n              <td class=\"am-priority\">Regional flexibility<\/td>\n              <td class=\"am-providers\"><b>Jubilee<\/b><\/td>\n            <\/tr>\n          <\/tbody>\n        <\/table>\n\n        <!-- Mobile cards -->\n        <div class=\"am-cards\" aria-label=\"Best IPMI by Use Case Cards\">\n          <div class=\"am-card-item\">\n            <div class=\"am-card-top\"><p class=\"am-card-title\">Expat family<\/p><\/div>\n            <div class=\"am-card-grid\">\n              <div class=\"am-row\"><div class=\"am-k\">Priority<\/div><div class=\"am-v\">Evacuation + maternity<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Providers<\/div><div class=\"am-v\">Cigna, Bupa<\/div><\/div>\n            <\/div>\n          <\/div>\n\n          <div class=\"am-card-item\">\n            <div class=\"am-card-top\"><p class=\"am-card-title\">NGO deployment<\/p><\/div>\n            <div class=\"am-card-grid\">\n              <div class=\"am-row\"><div class=\"am-k\">Priority<\/div><div class=\"am-v\">Crisis coordination<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Providers<\/div><div class=\"am-v\">Allianz<\/div><\/div>\n            <\/div>\n          <\/div>\n\n          <div class=\"am-card-item\">\n            <div class=\"am-card-top\"><p class=\"am-card-title\">Corporate expats<\/p><\/div>\n            <div class=\"am-card-grid\">\n              <div class=\"am-row\"><div class=\"am-k\">Priority<\/div><div class=\"am-v\">Standardized global limits<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Providers<\/div><div class=\"am-v\">Allianz, Cigna<\/div><\/div>\n            <\/div>\n          <\/div>\n\n          <div class=\"am-card-item\">\n            <div class=\"am-card-top\"><p class=\"am-card-title\">Budget-conscious expats<\/p><\/div>\n            <div class=\"am-card-grid\">\n              <div class=\"am-row\"><div class=\"am-k\">Priority<\/div><div class=\"am-v\">Higher deductible<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Providers<\/div><div class=\"am-v\">APRIL<\/div><\/div>\n            <\/div>\n          <\/div>\n\n          <div class=\"am-card-item\">\n            <div class=\"am-card-top\"><p class=\"am-card-title\">Hybrid local\/global<\/p><\/div>\n            <div class=\"am-card-grid\">\n              <div class=\"am-row\"><div class=\"am-k\">Priority<\/div><div class=\"am-v\">Regional flexibility<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Providers<\/div><div class=\"am-v\">Jubilee<\/div><\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <p class=\"am-note\">\n          Tip: \u201cExample providers\u201d are a shortlist \u2014 final suitability depends on your region of cover, deductible comfort, underwriting terms,\n          and the exact wording for evacuation, maternity, and chronic conditions.\n        <\/p>\n\n        <div class=\"am-trust\">\n          <span>\u2714 One-screen shortlist<\/span>\n          <span>\u2714 Mobile card view<\/span>\n          <span>\u2714 Designed for faster decisions<\/span>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>1. Individual &amp; Family Plans Comparison<\/strong><\/p>\n\n\n\n<p>These plans are generally underwritten based on individual medical history, and waiting periods apply strictly to new members.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>2. Company (Group) Plans Comparison<\/strong><\/p>\n\n\n\n<p>Group plans often feature \"Medical History Disregarded\" (MHD) for larger teams (usually 10+ employees), which&nbsp;<strong>waives waiting periods<\/strong>&nbsp;for most clinical benefits.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<!-- =========================\nAMSSURITY BRANDED COMPARISON TABLES (IPMI)\n- Desktop: fits one view (no horizontal scroll)\n- Mobile: collapses into card view\n- Inter font, slightly larger typography scale\n========================= -->\n\n<section aria-label=\"Amssurity Table - IPMI Individual &#038; Family Plans\">\n  <style>\n    :root{\n      --am-blue:#015587;\n      --am-gold:#EFA31C;\n      --am-yellow:#FBC80B;\n      --am-ink:#0F172A;\n      --am-muted:#475569;\n      --am-border:rgba(2, 72, 110, .16);\n      --am-shadow:0 14px 40px rgba(2, 72, 110, .10);\n      --am-radius:18px;\n      --am-font: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;\n      --am-soft: 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  }\n\n    .am-table-head{\n      padding:16px 18px 12px;\n      border-bottom:1px solid rgba(2, 72, 110, .10);\n      background:\n        radial-gradient(900px 240px at 20% 0%, rgba(239,163,28,.20), transparent 60%),\n        radial-gradient(900px 240px at 90% 10%, rgba(1,85,135,.18), transparent 60%),\n        linear-gradient(180deg, rgba(1,85,135,.06), rgba(255,255,255,1));\n    }\n    .am-table-title{\n      margin:0 0 6px;\n      font-size:1.45rem;\n      line-height:1.15;\n      font-weight:950;\n      color:var(--am-ink);\n      letter-spacing:-.02em;\n    }\n    .am-table-sub{\n      margin:0;\n      font-size:1.06rem;\n      line-height:1.65;\n      color:var(--am-muted);\n    }\n\n    \/* Desktop table *\/\n    .am-table-body{ padding:14px 18px 18px; }\n\n    .am-table{\n      width:100%;\n      border-collapse:separate;\n      border-spacing:0;\n      table-layout:fixed; \/* ensures fit in one view *\/\n      font-size:0.98rem;\n      color:var(--am-ink);\n    }\n\n    .am-table thead th{\n      text-align:left;\n      padding:12px 10px;\n      background:rgba(1,85,135,.06);\n      color:var(--am-blue);\n      font-weight:950;\n      border-top:1px solid rgba(1,85,135,.16);\n      border-bottom:1px solid rgba(1,85,135,.16);\n    }\n\n    .am-table thead th:first-child{\n      border-left:1px solid rgba(1,85,135,.16);\n      border-top-left-radius:14px;\n    }\n    .am-table thead th:last-child{\n      border-right:1px solid rgba(1,85,135,.16);\n      border-top-right-radius:14px;\n    }\n\n    .am-table tbody td{\n      vertical-align:top;\n      padding:12px 10px;\n      border-bottom:1px solid rgba(2, 72, 110, .10);\n      color:var(--am-ink);\n      word-wrap:break-word;\n      overflow-wrap:anywhere;\n    }\n\n    .am-table tbody tr:nth-child(odd) td{\n      background:rgba(239,163,28,.06);\n    }\n\n    .am-provider{\n      font-weight:950;\n      color:var(--am-ink);\n    }\n    .am-provider small{\n      display:block;\n      margin-top:4px;\n      font-weight:800;\n      color:var(--am-muted);\n      font-size:.90rem;\n      line-height:1.35;\n    }\n\n    .am-pill{\n      display:inline-flex;\n      align-items:center;\n      gap:8px;\n      padding:6px 10px;\n      border-radius:999px;\n      border:1px solid rgba(1,85,135,.18);\n      background:rgba(1,85,135,.06);\n      color:var(--am-blue);\n      font-weight:900;\n      font-size:.90rem;\n      margin:2px 6px 6px 0;\n      white-space:nowrap;\n    }\n\n    .am-muted{\n      color:var(--am-muted);\n      font-weight:700;\n      font-size:.95rem;\n      line-height:1.45;\n    }\n\n    .am-table-note{\n      margin:10px 0 0;\n      font-size:.97rem;\n      color:#64748b;\n      line-height:1.6;\n    }\n\n    .am-trust{\n      margin-top:12px;\n      border-top:1px solid rgba(1,86,134,.12);\n      padding-top:12px;\n      color:#475569;\n      font-size:14.5px;\n      line-height:1.7;\n    }\n    .am-trust span{ display:inline-block; margin-right:14px; }\n\n    \/* Mobile card view *\/\n    .am-cards{ display:none; }\n\n    @media (max-width: 900px){\n      .am-table{ display:none; }\n      .am-cards{ display:grid; gap:12px; }\n\n      .am-card-item{\n        border:1px solid rgba(2, 72, 110, .12);\n        border-radius:16px;\n        background:#fff;\n        overflow:hidden;\n      }\n      .am-card-top{\n        padding:12px 12px 10px;\n        background:rgba(1,85,135,.06);\n        border-bottom:1px solid rgba(1,85,135,.12);\n      }\n      .am-card-name{\n        margin:0;\n        font-weight:950;\n        color:var(--am-ink);\n        font-size:1.06rem;\n        line-height:1.25;\n      }\n      .am-card-name small{\n        display:block;\n        margin-top:4px;\n        color:var(--am-muted);\n        font-weight:800;\n        font-size:.92rem;\n      }\n      .am-card-grid{\n        padding:10px 12px 12px;\n        display:grid;\n        gap:10px;\n      }\n      .am-row{\n        display:grid;\n        grid-template-columns: 140px 1fr;\n        gap:10px;\n        align-items:start;\n      }\n      .am-k{\n        color:var(--am-blue);\n        font-weight:950;\n        font-size:.93rem;\n      }\n      .am-v{\n        color:var(--am-ink);\n        font-weight:750;\n        font-size:.96rem;\n        line-height:1.45;\n      }\n    }\n  <\/style>\n\n  <div class=\"am-table-card\">\n    <div class=\"am-table-ribbon\">\n      <div class=\"am-table-ribbon-row\">\n        <div class=\"am-table-brand\">AMSSURITY INSURANCE AGENCY<\/div>\n        <div class=\"am-table-tag\">IPMI \u2013 Individual & Family Plans Comparison<\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"am-table-wrap\">\n      <div class=\"am-table-rule\"><\/div>\n\n      <div class=\"am-table-head\">\n        <h2 class=\"am-table-title\"><span class=\"ez-toc-section\" id=\"1_Individual_Family_Plans_Comparison\"><\/span>1) Individual & Family Plans Comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n        <p class=\"am-table-sub\">\n          Individual plans are typically fully underwritten (medical history matters), and waiting periods apply strictly to new members.\n          Use this to compare maternity, routine benefits, cancer treatment, pre-existing handling, evacuation, and deductibles.\n        <\/p>\n      <\/div>\n\n      <div class=\"am-table-body\">\n        <!-- DESKTOP TABLE -->\n        <table class=\"am-table\" aria-label=\"Individual &#038; Family IPMI Plans Table\">\n          <thead>\n            <tr>\n              <th style=\"width:16%;\">Plan Provider<\/th>\n              <th style=\"width:12%;\">Maternity (WP)<\/th>\n              <th style=\"width:12%;\">Dental & Optical (WP)<\/th>\n              <th style=\"width:12%;\">Wellness \/ Check-up (WP)<\/th>\n              <th style=\"width:12%;\">Cancer Coverage<\/th>\n              <th style=\"width:16%;\">Pre-existing Conditions<\/th>\n              <th style=\"width:10%;\">Evacuation<\/th>\n              <th style=\"width:10%;\">Deductible \/ Eligibility<\/th>\n            <\/tr>\n          <\/thead>\n          <tbody>\n            <tr>\n              <td>\n                <div class=\"am-provider\">Bupa Explorer (Gold)\n                  <small>Max entry age: 79<\/small>\n                <\/div>\n              <\/td>\n              <td>$8,000\/yr <span class=\"am-muted\">(10 months WP)<\/span><\/td>\n              <td>\n                Dental $1,000 <span class=\"am-muted\">(6 months WP)<\/span><br>\n                Optical $400 <span class=\"am-muted\">(No WP)<\/span>\n              <\/td>\n              <td>$500\/yr <span class=\"am-muted\">(1 year WP)<\/span><\/td>\n              <td>Paid in full <span class=\"am-muted\">(within annual limit)<\/span><\/td>\n              <td class=\"am-muted\">Excluded unless declared and accepted via full underwriting.<\/td>\n              <td>Paid in full <span class=\"am-muted\">(incl. assistance)<\/span><\/td>\n              <td>$0\u2013$1,000<\/td>\n            <\/tr>\n\n            <tr>\n              <td>\n                <div class=\"am-provider\">APRIL International (Platinum Plus)\n                  <small>Max entry age: 80<\/small>\n                <\/div>\n              <\/td>\n              <td>$12,000\/yr <span class=\"am-muted\">(12 months WP)<\/span><\/td>\n              <td>\n                Dental $2,000 <span class=\"am-muted\">(1 year WP)<\/span><br>\n                Optical $400 <span class=\"am-muted\">(1 year WP)<\/span>\n              <\/td>\n              <td>$800\/yr <span class=\"am-muted\">(1 year WP)<\/span><\/td>\n              <td>Paid in full <span class=\"am-muted\">(oncology\/chemo\/rad included)<\/span><\/td>\n              <td class=\"am-muted\">Excluded via Moratorium or FMU unless accepted under CPME.<\/td>\n              <td>Paid in full <span class=\"am-muted\">(when local facilities inadequate)<\/span><\/td>\n              <td>$0\u2013$20,000 voluntary excess<\/td>\n            <\/tr>\n\n            <tr>\n              <td>\n                <div class=\"am-provider\">Global Executive (Prestige Plus)\n                  <small>Entry terms vary by intermediary<\/small>\n                <\/div>\n              <\/td>\n              <td>$8,000\/yr <span class=\"am-muted\">(12 months WP)<\/span><\/td>\n              <td>\n                Dental $1,000 <span class=\"am-muted\">(6 months WP)<\/span><br>\n                Optical <span class=\"am-muted\">(Not covered)<\/span>\n              <\/td>\n              <td>$400 wellness; vaccines paid in full <span class=\"am-muted\">(No WP)<\/span><\/td>\n              <td>Paid in full <span class=\"am-muted\">(within annual limit)<\/span><\/td>\n              <td class=\"am-muted\">Excluded via Moratorium (2-year trouble-free) or FMU.<\/td>\n              <td>Paid in full <span class=\"am-muted\">(within annual limit)<\/span><\/td>\n              <td>$0\u2013$4,000<\/td>\n            <\/tr>\n\n            <tr>\n              <td>\n                <div class=\"am-provider\">Cigna Elite (Best)\n                  <small>Designed for families<\/small>\n                <\/div>\n              <\/td>\n              <td>$12,800 routine <span class=\"am-muted\">(10 months WP)<\/span><\/td>\n              <td>\n                Dental $1,600 <span class=\"am-muted\">(9 months WP for major dental)<\/span><br>\n                Optical $240 <span class=\"am-muted\">(as per plan rules)<\/span>\n              <\/td>\n              <td>Paediatric wellness $2,000; vaccines paid in full <span class=\"am-muted\">(No WP)<\/span><\/td>\n              <td>Paid in full<\/td>\n              <td class=\"am-muted\">Excluded unless specifically agreed in writing.<\/td>\n              <td>Paid in full <span class=\"am-muted\">(medical transfer)<\/span><\/td>\n              <td>$0\u2013$3,500<\/td>\n            <\/tr>\n\n            <tr>\n              <td>\n                <div class=\"am-provider\">VUMI (Global Flex)\n                  <small>Max application age: 74<\/small>\n                <\/div>\n              <\/td>\n              <td>Complications only <span class=\"am-muted\">(12 months WP)<\/span><\/td>\n              <td>\n                Emergency dental only;<br>\n                Optical\/Wellness bundle <span class=\"am-muted\">($500\u2013$1k)<\/span>\n              <\/td>\n              <td class=\"am-muted\">Optional bundle available<\/td>\n              <td>Paid in full <span class=\"am-muted\">(up to plan limit)<\/span><\/td>\n              <td class=\"am-muted\">Excluded unless accepted; medical declaration required.<\/td>\n              <td>Paid in full <span class=\"am-muted\">(to country of choice)<\/span><\/td>\n              <td>$0\u2013$20,000<\/td>\n            <\/tr>\n\n            <tr>\n              <td>\n                <div class=\"am-provider\">NOW Health (SimpleCare Level 250)\n                  <small>Max entry age: 79<\/small>\n                <\/div>\n              <\/td>\n              <td class=\"am-muted\">Optional (groups only)<\/td>\n              <td>$300 routine <span class=\"am-muted\">(9 months WP)<\/span><\/td>\n              <td>Optional $150\u2013$250\/yr <span class=\"am-muted\">(6 months WP)<\/span><\/td>\n              <td>Full refund<\/td>\n              <td class=\"am-muted\">Excluded unless accepted via FMU or Moratorium.<\/td>\n              <td>Combined limit $100,000<\/td>\n              <td>$0\u2013$15,000<\/td>\n            <\/tr>\n          <\/tbody>\n        <\/table>\n\n        <!-- MOBILE CARD VIEW -->\n        <div class=\"am-cards\" aria-label=\"Individual &#038; Family IPMI Plans Cards\">\n          <!-- Bupa -->\n          <div class=\"am-card-item\">\n            <div class=\"am-card-top\">\n              <p class=\"am-card-name\">Bupa Explorer (Gold)\n                <small>Max entry age: 79<\/small>\n              <\/p>\n            <\/div>\n            <div class=\"am-card-grid\">\n              <div class=\"am-row\"><div class=\"am-k\">Maternity<\/div><div class=\"am-v\">$8,000\/yr (10 months WP)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Dental\/Optical<\/div><div class=\"am-v\">Dental $1,000 (6 months WP); Optical $400 (No WP)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Wellness<\/div><div class=\"am-v\">$500\/yr (1 year WP)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Cancer<\/div><div class=\"am-v\">Paid in full (within annual limit)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Pre-existing<\/div><div class=\"am-v\">Excluded unless declared and accepted via full underwriting.<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Evacuation<\/div><div class=\"am-v\">Paid in full (incl. assistance)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Deductible<\/div><div class=\"am-v\">$0\u2013$1,000<\/div><\/div>\n            <\/div>\n          <\/div>\n\n          <!-- APRIL -->\n          <div class=\"am-card-item\">\n            <div class=\"am-card-top\">\n              <p class=\"am-card-name\">APRIL International (Platinum Plus)\n                <small>Max entry age: 80<\/small>\n              <\/p>\n            <\/div>\n            <div class=\"am-card-grid\">\n              <div class=\"am-row\"><div class=\"am-k\">Maternity<\/div><div class=\"am-v\">$12,000\/yr (12 months WP)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Dental\/Optical<\/div><div class=\"am-v\">Dental $2,000 (1 year WP); Optical $400 (1 year WP)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Wellness<\/div><div class=\"am-v\">$800\/yr (1 year WP)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Cancer<\/div><div class=\"am-v\">Paid in full (oncology\/chemo\/rad included)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Pre-existing<\/div><div class=\"am-v\">Excluded via Moratorium or FMU unless accepted under CPME.<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Evacuation<\/div><div class=\"am-v\">Paid in full (when local facilities inadequate)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Deductible<\/div><div class=\"am-v\">$0\u2013$20,000 voluntary excess<\/div><\/div>\n            <\/div>\n          <\/div>\n\n          <!-- Global Executive -->\n          <div class=\"am-card-item\">\n            <div class=\"am-card-top\">\n              <p class=\"am-card-name\">Global Executive (Prestige Plus)\n                <small>Entry terms vary by intermediary<\/small>\n              <\/p>\n            <\/div>\n            <div class=\"am-card-grid\">\n              <div class=\"am-row\"><div class=\"am-k\">Maternity<\/div><div class=\"am-v\">$8,000\/yr (12 months WP)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Dental\/Optical<\/div><div class=\"am-v\">Dental $1,000 (6 months WP); Optical not covered<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Wellness<\/div><div class=\"am-v\">$400 wellness; vaccines paid in full (No WP)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Cancer<\/div><div class=\"am-v\">Paid in full (within annual limit)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Pre-existing<\/div><div class=\"am-v\">Excluded via Moratorium (2-year trouble-free) or FMU.<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Evacuation<\/div><div class=\"am-v\">Paid in full (within annual limit)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Deductible<\/div><div class=\"am-v\">$0\u2013$4,000<\/div><\/div>\n            <\/div>\n          <\/div>\n\n          <!-- Cigna -->\n          <div class=\"am-card-item\">\n            <div class=\"am-card-top\">\n              <p class=\"am-card-name\">Cigna Elite (Best)\n                <small>Designed for families<\/small>\n              <\/p>\n            <\/div>\n            <div class=\"am-card-grid\">\n              <div class=\"am-row\"><div class=\"am-k\">Maternity<\/div><div class=\"am-v\">$12,800 routine (10 months WP)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Dental\/Optical<\/div><div class=\"am-v\">Dental $1,600 (9 months WP for major); Optical $240<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Wellness<\/div><div class=\"am-v\">Paediatric wellness $2,000; vaccines paid in full (No WP)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Cancer<\/div><div class=\"am-v\">Paid in full<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Pre-existing<\/div><div class=\"am-v\">Excluded unless specifically agreed in writing.<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Evacuation<\/div><div class=\"am-v\">Paid in full (medical transfer)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Deductible<\/div><div class=\"am-v\">$0\u2013$3,500<\/div><\/div>\n            <\/div>\n          <\/div>\n\n          <!-- VUMI -->\n          <div class=\"am-card-item\">\n            <div class=\"am-card-top\">\n              <p class=\"am-card-name\">VUMI (Global Flex)\n                <small>Max application age: 74<\/small>\n              <\/p>\n            <\/div>\n            <div class=\"am-card-grid\">\n              <div class=\"am-row\"><div class=\"am-k\">Maternity<\/div><div class=\"am-v\">Complications only (12 months WP)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Dental\/Optical<\/div><div class=\"am-v\">Emergency dental only; Optical\/Wellness bundle ($500\u2013$1k)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Wellness<\/div><div class=\"am-v\">Optional bundle available<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Cancer<\/div><div class=\"am-v\">Paid in full (up to plan limit)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Pre-existing<\/div><div class=\"am-v\">Excluded unless accepted; medical declaration required.<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Evacuation<\/div><div class=\"am-v\">Paid in full to country of choice<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Deductible<\/div><div class=\"am-v\">$0\u2013$20,000<\/div><\/div>\n            <\/div>\n          <\/div>\n\n          <!-- NOW Health -->\n          <div class=\"am-card-item\">\n            <div class=\"am-card-top\">\n              <p class=\"am-card-name\">NOW Health (SimpleCare Level 250)\n                <small>Max entry age: 79<\/small>\n              <\/p>\n            <\/div>\n            <div class=\"am-card-grid\">\n              <div class=\"am-row\"><div class=\"am-k\">Maternity<\/div><div class=\"am-v\">Optional (groups only)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Dental\/Optical<\/div><div class=\"am-v\">$300 routine (9 months WP)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Wellness<\/div><div class=\"am-v\">Optional $150\u2013$250\/yr (6 months WP)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Cancer<\/div><div class=\"am-v\">Full refund<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Pre-existing<\/div><div class=\"am-v\">Excluded unless accepted via FMU or Moratorium<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Evacuation<\/div><div class=\"am-v\">Combined limit $100,000<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Deductible<\/div><div class=\"am-v\">$0\u2013$15,000<\/div><\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <p class=\"am-table-note\">\n          <strong>Note:<\/strong> \u201cWP\u201d = waiting period. \u201cMoratorium\u201d typically requires a trouble-free period (often ~2 years) before certain pre-existing conditions may be considered.\n          Always confirm terms in the final schedule of benefits.\n        <\/p>\n\n        <div class=\"am-trust\">\n          <span>\u2714 Compare on wording, not brochures<\/span>\n          <span>\u2714 Waiting periods mapped clearly<\/span>\n          <span>\u2714 Claim-ready selection<\/span>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n<section aria-label=\"Amssurity Table - IPMI Company (Group) Plans\">\n  <style>\n    \/* Same style system as above; safe if repeated in WP blocks. *\/\n    :root{\n      --am-blue:#015587;\n      --am-gold:#EFA31C;\n      --am-yellow:#FBC80B;\n      --am-ink:#0F172A;\n      --am-muted:#475569;\n      --am-border:rgba(2, 72, 110, .16);\n      --am-shadow:0 14px 40px rgba(2, 72, 110, .10);\n      --am-radius:18px;\n      --am-font: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;\n    }\n    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.10);word-wrap:break-word;overflow-wrap:anywhere;}\n    .am-table tbody tr:nth-child(odd) td{background:rgba(239,163,28,.06);}\n    .am-provider{font-weight:950;color:var(--am-ink);}\n    .am-provider small{display:block;margin-top:4px;font-weight:800;color:var(--am-muted);font-size:.90rem;line-height:1.35;}\n    .am-muted{color:var(--am-muted);font-weight:750;font-size:.95rem;line-height:1.45;}\n    .am-table-note{margin:10px 0 0;font-size:.97rem;color:#64748b;line-height:1.6;}\n    .am-trust{margin-top:12px;border-top:1px solid rgba(1,86,134,.12);padding-top:12px;color:#475569;font-size:14.5px;line-height:1.7;}\n    .am-trust span{display:inline-block;margin-right:14px;}\n    .am-cards{display:none;}\n    @media (max-width: 900px){\n      .am-table{display:none;}\n      .am-cards{display:grid;gap:12px;}\n      .am-card-item{border:1px solid rgba(2, 72, 110, .12);border-radius:16px;background:#fff;overflow:hidden;}\n      .am-card-top{padding:12px 12px 10px;background:rgba(1,85,135,.06);border-bottom:1px solid rgba(1,85,135,.12);}\n      .am-card-name{margin:0;font-weight:950;color:var(--am-ink);font-size:1.06rem;line-height:1.25;}\n      .am-card-name small{display:block;margin-top:4px;color:var(--am-muted);font-weight:800;font-size:.92rem;}\n      .am-card-grid{padding:10px 12px 12px;display:grid;gap:10px;}\n      .am-row{display:grid;grid-template-columns: 140px 1fr;gap:10px;align-items:start;}\n      .am-k{color:var(--am-blue);font-weight:950;font-size:.93rem;}\n      .am-v{color:var(--am-ink);font-weight:750;font-size:.96rem;line-height:1.45;}\n    }\n  <\/style>\n\n  <div class=\"am-table-card\">\n    <div class=\"am-table-ribbon\">\n      <div class=\"am-table-ribbon-row\">\n        <div class=\"am-table-brand\">AMSSURITY INSURANCE AGENCY<\/div>\n        <div class=\"am-table-tag\">IPMI \u2013 Company (Group) Plans Comparison<\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"am-table-wrap\">\n      <div class=\"am-table-rule\"><\/div>\n\n      <div class=\"am-table-head\">\n        <h2 class=\"am-table-title\"><span class=\"ez-toc-section\" id=\"2_Company_Group_Plans_Comparison\"><\/span>2) Company (Group) Plans Comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n        <p class=\"am-table-sub\">\n          Group plans may offer <strong>Medical History Disregarded (MHD)<\/strong> for larger teams (often 10+ employees),\n          which can waive waiting periods and cover pre-existing conditions from day one (subject to scheme terms).\n        <\/p>\n      <\/div>\n\n      <div class=\"am-table-body\">\n        <!-- DESKTOP TABLE -->\n        <table class=\"am-table\" aria-label=\"Company (Group) IPMI Plans Table\">\n          <thead>\n            <tr>\n              <th style=\"width:18%;\">Plan Provider<\/th>\n              <th style=\"width:13%;\">Maternity (WP)<\/th>\n              <th style=\"width:13%;\">Dental & Optical (WP)<\/th>\n              <th style=\"width:13%;\">Wellness\/Vaccination (WP)<\/th>\n              <th style=\"width:16%;\">Cancer & Evacuation<\/th>\n              <th style=\"width:17%;\">Underwriting & Pre-existing<\/th>\n              <th style=\"width:10%;\">Deductibles<\/th>\n            <\/tr>\n          <\/thead>\n          <tbody>\n            <tr>\n              <td>\n                <div class=\"am-provider\">Bupa Global (Classic \u2192 Superior)\n                  <small>MHD commonly from 10+ staff<\/small>\n                <\/div>\n              <\/td>\n              <td>$2,000\u2013$20,000 <span class=\"am-muted\">(No WP if MHD applies)<\/span><\/td>\n              <td>Dental $2k\u2013$5k; Optical $500\u2013$5k <span class=\"am-muted\">(No WP if MHD)<\/span><\/td>\n              <td>Full health screen covered <span class=\"am-muted\">(No WP if MHD)<\/span><\/td>\n              <td>Cancer: Paid in full<br>Evacuation: Paid in full<\/td>\n              <td class=\"am-muted\">MHD for 10+ staff; pre-existing covered immediately (scheme rules apply).<\/td>\n              <td>$0\u2013$2,000 per person<\/td>\n            <\/tr>\n\n            <tr>\n              <td>\n                <div class=\"am-provider\">NOW WorldCare (Excel \/ Apex)\n                  <small>MHD commonly from 10+ staff<\/small>\n                <\/div>\n              <\/td>\n              <td>Apex $17,500 included; Excel optional <span class=\"am-muted\">(No WP if MHD)<\/span><\/td>\n              <td>Apex $4.5k combined routine\/complex <span class=\"am-muted\">(No WP if MHD)<\/span><\/td>\n              <td>$500\u2013$1,000 optional <span class=\"am-muted\">(6 months WP without MHD)<\/span><\/td>\n              <td>Cancer: Full refund<br>Evacuation: Full refund<\/td>\n              <td class=\"am-muted\">MHD (10+ staff); capped cover (5\u201319 staff) may apply.<\/td>\n              <td>$0\u2013$15,000<\/td>\n            <\/tr>\n\n            <tr>\n              <td>\n                <div class=\"am-provider\">NOW SimpleCare (100 \/ 250)\n                  <small>MHD (10+ staff) or capped cover (5\u201319)<\/small>\n                <\/div>\n              <\/td>\n              <td>Optional for 10+ staff ($5k\u2013$7k) <span class=\"am-muted\">(No WP with MHD)<\/span><\/td>\n              <td>SimpleCare 250 $300 <span class=\"am-muted\">(No WP with MHD)<\/span><\/td>\n              <td>Optional $150\u2013$250 <span class=\"am-muted\">(6 months WP without MHD)<\/span><\/td>\n              <td>Cancer: Full refund<br>Evacuation: $100,000<\/td>\n              <td class=\"am-muted\">MHD (10+) or capped cover (5\u201319 staff) depending on scheme.<\/td>\n              <td>$0\u2013$15,000<\/td>\n            <\/tr>\n\n            <tr>\n              <td>\n                <div class=\"am-provider\">Cigna SME (Elite)\n                  <small>MHD often from 10+ staff<\/small>\n                <\/div>\n              <\/td>\n              <td>As individual levels <span class=\"am-muted\">(WP waived for MHD groups)<\/span><\/td>\n              <td>As individual levels <span class=\"am-muted\">(WP waived for MHD groups)<\/span><\/td>\n              <td>Wellness benefits included <span class=\"am-muted\">(paediatric checks)<\/span><\/td>\n              <td>Cancer: Paid in full<br>Evacuation: Paid in full<\/td>\n              <td class=\"am-muted\">MHD usually available for groups of 10+.<\/td>\n              <td>$0\u2013$3,500<\/td>\n            <\/tr>\n          <\/tbody>\n        <\/table>\n\n        <!-- MOBILE CARD VIEW -->\n        <div class=\"am-cards\" aria-label=\"Company (Group) IPMI Plans Cards\">\n          <div class=\"am-card-item\">\n            <div class=\"am-card-top\">\n              <p class=\"am-card-name\">Bupa Global (Classic \u2192 Superior)\n                <small>MHD commonly from 10+ staff<\/small>\n              <\/p>\n            <\/div>\n            <div class=\"am-card-grid\">\n              <div class=\"am-row\"><div class=\"am-k\">Maternity<\/div><div class=\"am-v\">$2,000\u2013$20,000 (No WP if MHD)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Dental\/Optical<\/div><div class=\"am-v\">Dental $2k\u2013$5k; Optical $500\u2013$5k (No WP if MHD)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Wellness<\/div><div class=\"am-v\">Full health screen covered (No WP if MHD)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Cancer\/Evac<\/div><div class=\"am-v\">Cancer paid in full; Evacuation paid in full<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Underwriting<\/div><div class=\"am-v\">MHD for 10+; pre-existing covered immediately (scheme rules apply)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Deductible<\/div><div class=\"am-v\">$0\u2013$2,000 per person<\/div><\/div>\n            <\/div>\n          <\/div>\n\n          <div class=\"am-card-item\">\n            <div class=\"am-card-top\">\n              <p class=\"am-card-name\">NOW WorldCare (Excel \/ Apex)\n                <small>MHD commonly from 10+ staff<\/small>\n              <\/p>\n            <\/div>\n            <div class=\"am-card-grid\">\n              <div class=\"am-row\"><div class=\"am-k\">Maternity<\/div><div class=\"am-v\">Apex $17,500 included; Excel optional (No WP if MHD)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Dental\/Optical<\/div><div class=\"am-v\">Apex $4.5k combined routine\/complex (No WP if MHD)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Wellness<\/div><div class=\"am-v\">$500\u2013$1,000 optional (6 months WP without MHD)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Cancer\/Evac<\/div><div class=\"am-v\">Cancer full refund; Evacuation full refund<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Underwriting<\/div><div class=\"am-v\">MHD (10+); capped cover may apply for 5\u201319 staff<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Deductible<\/div><div class=\"am-v\">$0\u2013$15,000<\/div><\/div>\n            <\/div>\n          <\/div>\n\n          <div class=\"am-card-item\">\n            <div class=\"am-card-top\">\n              <p class=\"am-card-name\">NOW SimpleCare (100 \/ 250)\n                <small>MHD (10+) or capped cover (5\u201319)<\/small>\n              <\/p>\n            <\/div>\n            <div class=\"am-card-grid\">\n              <div class=\"am-row\"><div class=\"am-k\">Maternity<\/div><div class=\"am-v\">Optional for 10+ ($5k\u2013$7k) (No WP with MHD)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Dental\/Optical<\/div><div class=\"am-v\">SimpleCare 250 $300 (No WP with MHD)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Wellness<\/div><div class=\"am-v\">Optional $150\u2013$250 (6 months WP without MHD)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Cancer\/Evac<\/div><div class=\"am-v\">Cancer full refund; Evacuation $100,000<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Underwriting<\/div><div class=\"am-v\">MHD (10+) or capped cover (5\u201319) depending on scheme<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Deductible<\/div><div class=\"am-v\">$0\u2013$15,000<\/div><\/div>\n            <\/div>\n          <\/div>\n\n          <div class=\"am-card-item\">\n            <div class=\"am-card-top\">\n              <p class=\"am-card-name\">Cigna SME (Elite)\n                <small>MHD often from 10+ staff<\/small>\n              <\/p>\n            <\/div>\n            <div class=\"am-card-grid\">\n              <div class=\"am-row\"><div class=\"am-k\">Maternity<\/div><div class=\"am-v\">As individual levels (WP waived for MHD groups)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Dental\/Optical<\/div><div class=\"am-v\">As individual levels (WP waived for MHD groups)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Wellness<\/div><div class=\"am-v\">Wellness included (paediatric checks)<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Cancer\/Evac<\/div><div class=\"am-v\">Cancer paid in full; Evacuation paid in full<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Underwriting<\/div><div class=\"am-v\">MHD usually available for groups of 10+<\/div><\/div>\n              <div class=\"am-row\"><div class=\"am-k\">Deductible<\/div><div class=\"am-v\">$0\u2013$3,500<\/div><\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <p class=\"am-table-note\">\n          <strong>Key summary:<\/strong> Individuals typically face strict waiting periods (often 10\u201312 months for maternity). For companies, <strong>MHD<\/strong> is the main way to cover\n          pre-existing conditions from day one, usually available from ~10+ employees (scheme-dependent). Cancer is typically covered from day one\n          if it is not pre-existing.\n        <\/p>\n\n        <div class=\"am-trust\">\n          <span>\u2714 MHD vs capped cover made clear<\/span>\n          <span>\u2714 Group leverage explained<\/span>\n          <span>\u2714 Designed for claim-time reality<\/span>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Key Summary of Waiting Periods &amp; Coverage:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Maternity:<\/strong>&nbsp;Almost universally carries a&nbsp;<strong>10 to 12-month waiting period<\/strong>&nbsp;for individuals. This means you must conceive&nbsp;<em>after<\/em>&nbsp;joining to ensure the birth is fully covered.<\/li>\n\n\n\n<li><strong>Dental\/Optical:<\/strong>&nbsp;Waiting periods range from&nbsp;<strong>6 to 12 months<\/strong>. Optical is often more restrictive than dental.<\/li>\n\n\n\n<li><strong>Cancer Coverage:<\/strong>&nbsp;In all source-provided plans, cancer is treated as a major medical condition and is&nbsp;<strong>paid in full<\/strong>&nbsp;or \"full refund\" from day one, provided it is not a pre-existing condition.<\/li>\n\n\n\n<li><strong>Pre-existing Conditions:<\/strong>&nbsp;For individuals, these are the most common source of claim denials unless you have completed a&nbsp;<strong>Moratorium<\/strong>&nbsp;(typically 2 years \"trouble-free\"). For companies, choosing&nbsp;<strong>MHD<\/strong>&nbsp;is the only way to cover these conditions from the start date.<\/li>\n<\/ol>\n\n\n\n<p>Are you comparing these for a specific group of employees, or would you like more detail on the \"Medical History Disregarded\" (MHD) terms for a particular provider?<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>There is no universally \u201cbest\u201d international health insurance in Kenya. Suitability depends on mobility profile and risk appetite.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Does_International_Medical_Insurance_in_Kenya_Cost\"><\/span><strong>What Does International Medical Insurance in Kenya Cost?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Premiums vary based on:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Age<\/li>\n\n\n\n<li>Region of cover (Africa, Worldwide, including USA vs excluding USA)<\/li>\n\n\n\n<li>Deductible amount<\/li>\n\n\n\n<li>Outpatient inclusion<\/li>\n\n\n\n<li>Maternity addition<\/li>\n\n\n\n<li>Medical underwriting<\/li>\n<\/ol>\n\n\n\n<p>Estimated annual ranges (per adult):<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>30\u201335 years: USD 1,200\u20135,000<\/li>\n\n\n\n<li>40\u201345 years: USD 1,800\u20136,500<\/li>\n\n\n\n<li>50+: USD 3,500\u20136,000+<\/li>\n<\/ol>\n\n\n\n<p>Including USA coverage significantly increases the cost.<\/p>\n\n\n\n<p>When evaluating international health insurance in Kenya, consider not only the premium but also the exposure severity.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Medical_Evacuation_Repatriation_What_It_Really_Means\"><\/span><strong>Medical Evacuation &amp; Repatriation: What It Really Means<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Evacuation is often misunderstood.<\/p>\n\n\n\n<p>Medical evacuation typically covers:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Transfer to nearest appropriate facility<\/li>\n\n\n\n<li>Air ambulance when medically necessary<\/li>\n\n\n\n<li>Coordination with assistance provider<\/li>\n<\/ol>\n\n\n\n<p>It does not always mean transfer to a preferred country.<\/p>\n\n\n\n<p>Repatriation of remains is usually included but subject to conditions.<\/p>\n\n\n\n<p>International health insurance in Kenya should clearly state evacuation triggers and geographic limits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Compare_International_Medical_Insurance_in_Kenya_Properly\"><\/span><strong>How to Compare International Medical Insurance in Kenya Properly<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Focus on:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Annual maximum limit<\/li>\n\n\n\n<li>Geographic region definition<\/li>\n\n\n\n<li>Deductible amount<\/li>\n\n\n\n<li>Outpatient sublimits<\/li>\n\n\n\n<li>Chronic condition caps<\/li>\n\n\n\n<li>Oncology coverage<\/li>\n\n\n\n<li>Maternity waiting periods<\/li>\n\n\n\n<li>Renewal terms<\/li>\n\n\n\n<li>Claims pre-authorisation rules<\/li>\n<\/ol>\n\n\n\n<p>International medical insurance in Kenya is a contract. Read it like one.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Buy_International_Medical_Insurance_in_Kenya_Step-by-Step\"><\/span><strong>How to Buy International Medical Insurance in Kenya (Step-by-Step)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Assess mobility exposure<\/li>\n\n\n\n<li>Select the region of cover<\/li>\n\n\n\n<li>Decide deductible level<\/li>\n\n\n\n<li>Declare medical history accurately<\/li>\n\n\n\n<li>Compare provider schedules<\/li>\n\n\n\n<li>Submit underwriting documents<\/li>\n\n\n\n<li>Review final policy wording<\/li>\n\n\n\n<li>Confirm ID card issuance<\/li>\n\n\n\n<li>Understand the claims process<\/li>\n<\/ol>\n\n\n\n<p>Do not finalise international health insurance in Kenya without reviewing the schedule of benefits.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Structure_Through_Amssurity_Insurance_Agency\"><\/span><strong>Why Structure Through Amssurity Insurance Agency?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>International medical insurance in Kenya is not about choosing a logo.<\/p>\n\n\n\n<p>It is about:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Comparing wording<\/li>\n\n\n\n<li>Structuring deductible<\/li>\n\n\n\n<li>Aligning the region of cover<\/li>\n\n\n\n<li>Supporting claims<\/li>\n\n\n\n<li>Designing NGO and corporate programs<\/li>\n<\/ol>\n\n\n\n<p>Amssurity Insurance Agency helps clients compare international medical insurance in Kenya across providers clearly and strategically.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Uncomfortable_Truths_About_International_Medical_Insurance_in_Kenya\"><\/span><strong>Uncomfortable Truths About International Medical Insurance in Kenya<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Evacuation_Is_Conditional\"><\/span><strong>1. Evacuation Is Conditional<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Evacuation is approved based on medical necessity, not preference. If Nairobi qualifies as the nearest appropriate facility, London may not.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Deductibles_Change_Behaviour\"><\/span><strong>2. Deductibles Change Behaviour<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A high deductible reduces premiums. It also increases your immediate financial exposure during a crisis. Many buyers only realise this at admission.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Maternity_Is_Not_Automatic\"><\/span><strong>3. Maternity Is Not Automatic<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Most international medical insurance plans in Kenya treat maternity as optional, with waiting periods. You cannot add it retroactively.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Pre-Existing_Conditions_Matter\"><\/span><strong>4. Pre-Existing Conditions Matter<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Failure to declare a condition does not remove it from your medical history. It simply creates future claim vulnerability.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_%E2%80%9CWorldwide%E2%80%9D_Often_Has_Tiers\"><\/span><strong>5. \u201cWorldwide\u201d Often Has Tiers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Worldwide, including USA costs significantly more than worldwide excluding the USA. That distinction can double premiums.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_Group_Size_Changes_Leverage\"><\/span><strong>6. Group Size Changes Leverage<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>NGOs and corporates often have negotiation power. Individuals rarely do.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_The_Cheapest_Plan_Rarely_Has_the_Broadest_Wording\"><\/span><strong>7. The Cheapest Plan Rarely Has the Broadest Wording<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Lower premiums usually reflect structural limitations. Sometimes acceptable. Sometimes not.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8_Renewal_Is_Not_Guaranteed\"><\/span><strong>8. Renewal Is Not Guaranteed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Terms can change at renewal depending on underwriting and claims history.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"9_Claims_Support_Is_Not_Automatic\"><\/span><strong>9. Claims Support Is Not Automatic<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Some providers are efficient. Others require structured pre-authorisation. Knowing how to navigate the process matters.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10_Structure_Beats_Brand\"><\/span><strong>10. Structure Beats Brand<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A well-structured mid-tier plan can outperform a poorly structured premium plan.<\/p>\n\n\n\n<p>International medical insurance in Kenya works well when structured properly, and exposes gaps when assumed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"International_Medical_Insurance_in_Kenya_for_Diaspora_Families\"><\/span><strong>International Medical Insurance in Kenya for Diaspora Families<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Diaspora families must consider:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Portability between countries<\/li>\n\n\n\n<li>Currency alignment<\/li>\n\n\n\n<li>Long-term continuity<\/li>\n\n\n\n<li>Newborn enrollment windows<\/li>\n<\/ol>\n\n\n\n<p>International medical insurance in Kenya should be chosen before medical risk appears.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"International_Medical_Insurance_in_Kenya_for_NGOs\"><\/span><strong>International Medical Insurance in Kenya for NGOs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NGOs should review:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Geographic exclusions<\/li>\n\n\n\n<li>Crisis response coordination<\/li>\n\n\n\n<li>Evacuation wording<\/li>\n\n\n\n<li>Mental health benefits<\/li>\n\n\n\n<li>Group underwriting leverage<\/li>\n<\/ol>\n\n\n\n<p>International medical insurance in Kenya functions as a duty-of-care infrastructure.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Corporate_International_Medical_Insurance_in_Kenya\"><\/span><strong>Corporate International Medical Insurance in Kenya<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Corporations must evaluate:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Mobility between assignments<\/li>\n\n\n\n<li>Benefit equalization<\/li>\n\n\n\n<li>Tax implications<\/li>\n\n\n\n<li>Executive exposure<\/li>\n<\/ol>\n\n\n\n<p>International medical insurance in Kenya supports corporate governance and risk mitigation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Common_Mistakes\"><\/span><strong>Common Mistakes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Buying the cheapest premium<\/li>\n\n\n\n<li>Ignoring evacuation language<\/li>\n\n\n\n<li>Skipping maternity clauses<\/li>\n\n\n\n<li>Under-declaring medical history<\/li>\n\n\n\n<li>Assuming local cover is enough<\/li>\n<\/ol>\n\n\n\n<p>International medical insurance in Kenya should be reviewed annually against mobility exposure.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1771930590233\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"What_is_international_medical_insurance_in_Kenya\"><\/span><strong>What is international medical insurance in Kenya?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>It is a global private medical cover allowing treatment locally and internationally.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1771930630345\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Is_it_different_from_expat_health_insurance\"><\/span><strong>Is it different from expat health insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>They are often used interchangeably.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1771930651546\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Does_it_include_evacuation\"><\/span><strong>Does it include evacuation?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Often yes, subject to policy wording.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1771930662055\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"How_much_does_it_cost\"><\/span><strong>How much does it cost?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Premiums vary by age and coverage region.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1771930681556\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Can_corporates_structure_group_programs\"><\/span><strong>Can corporates structure group programs?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, often with negotiation leverage.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Final_Consideration\"><\/span><strong>Final Consideration<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Healthcare mobility is increasing. So is exposure.<\/p>\n\n\n\n<p>If your life or organisation crosses borders, international medical insurance in Kenya becomes structural infrastructure.<\/p>\n\n\n\n<p>The objective is not to buy a policy.<\/p>\n\n\n\n<p>It is to secure continuity.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<!-- =========================\nAMSSURITY CTA MODULES (Diaspora \/ NGO \/ Corporate)\nBranded to match Amssurity CTA system (Inter font, premium ribbon, gold rule, trust line)\n========================= -->\n\n<!-- ========= CTA 1: DIASPORA FAMILIES ========= -->\n<section aria-label=\"Amssurity CTA - Diaspora Families\">\n  <style>\n    :root{\n      --am-blue:#015587;\n      --am-gold:#EFA31C;\n      --am-yellow:#FBC80B;\n      --am-ink:#0F172A;\n      --am-muted:#475569;\n      --am-border:rgba(2, 72, 110, .16);\n      --am-shadow:0 14px 40px rgba(2, 72, 110, .12);\n      --am-radius:18px;\n      --am-font: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;\n    }\n\n    \/* --- BRAND ADD-ONS (added; 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}\n    .am-chips{ display:flex; gap:8px; flex-wrap:wrap; margin-top:10px; }\n    .am-chip{\n      display:inline-flex; align-items:center; gap:8px;\n      padding:7px 10px;\n      border-radius:999px;\n      font-weight:850;\n      font-size:.95rem; \/* +0.05 *\/\n      border:1px solid rgba(1,85,135,.18);\n      background:rgba(1,85,135,.06);\n      color:var(--am-blue);\n    }\n    .am-chip b{ color:var(--am-ink); font-weight:950; }\n    .am-grid{ display:grid; grid-template-columns: 1fr; gap:14px; }\n    @media (min-width:900px){\n      .am-grid{ grid-template-columns: 1.35fr .65fr; align-items:start; }\n    }\n    .am-side{\n      border-radius:16px;\n      padding:14px;\n      border:1px solid rgba(239,163,28,.25);\n      background:rgba(239,163,28,.10);\n    }\n    .am-side-title{ margin:0 0 8px; font-weight:950; color:var(--am-ink); }\n    .am-side ul{ margin:0; padding-left:18px; color:var(--am-muted); line-height:1.55; }\n    .am-actions{ display:flex; gap:10px; flex-wrap:wrap; margin-top:14px; }\n    .am-btn{\n      display:inline-flex; align-items:center; justify-content:center; gap:10px;\n      padding:12px 16px;\n      border-radius:14px;\n      font-weight:950;\n      font-size:1.10rem; \/* +0.05 *\/\n      text-decoration:none;\n      border:1px solid transparent;\n      transition:transform .06s ease, box-shadow .18s ease, background .18s ease;\n      user-select:none;\n      cursor:pointer;\n    }\n    .am-btn:active{ transform:translateY(1px); }\n    .am-btn-primary{\n      color:#fff;\n      background:linear-gradient(135deg, var(--am-blue), #003A63);\n      box-shadow:0 10px 22px rgba(1,85,135,.22);\n    }\n    .am-btn-primary:hover{ box-shadow:0 14px 30px rgba(1,85,135,.28); }\n    .am-btn-secondary{\n      color:var(--am-blue);\n      background:#fff;\n      border-color:rgba(1,85,135,.22);\n    }\n    .am-btn-secondary:hover{ background:rgba(1,85,135,.04); }\n    .am-btn-gold{\n      color:var(--am-ink);\n      background:linear-gradient(135deg, var(--am-gold), var(--am-yellow));\n      box-shadow:0 10px 22px rgba(239,163,28,.18);\n    }\n    .am-note{ margin:10px 0 0; font-size:.98rem; color:#64748b; }\n  <\/style>\n\n  <div class=\"am-card\">\n    <div class=\"am-ribbon\">\n      <div class=\"am-ribbon-row\">\n        <div class=\"am-brand\">AMSSURITY INSURANCE AGENCY<\/div>\n        <div class=\"am-ribbon-tag\">For Diaspora Families<\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"am-wrap\">\n      <div class=\"am-rule\"><\/div>\n\n      <div class=\"am-head\">\n        <h2 class=\"am-title\"><span class=\"ez-toc-section\" id=\"Diaspora_get_cross-border_cover_that_still_works_when_life_changes-2\"><\/span>Diaspora: get cross-border cover that still works when life changes.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n        <p class=\"am-sub\">\n          Request a <strong>Diaspora IPMI Comparison Pack<\/strong>: 3 matched global options + a one-page brief showing\n          <strong>region of cover<\/strong>, <strong>deductible exposure<\/strong>, <strong>maternity & newborn rules<\/strong>, and the real trade-offs\n          <strong>before you pay<\/strong>.\n        <\/p>\n        <div class=\"am-chips\">\n          <span class=\"am-chip\">\u23f1\ufe0f <b>24\u201348h<\/b> Pack<\/span>\n          <span class=\"am-chip\">\ud83e\uddfe <b>Plain English<\/b> Brief<\/span>\n          <span class=\"am-chip\">\ud83d\udedf <b>Claims<\/b> Support<\/span>\n        <\/div>\n      <\/div>\n\n      <div class=\"am-body\">\n        <div class=\"am-grid\">\n          <div>\n            <div class=\"am-actions\">\n              <a class=\"am-btn am-btn-primary\" href=\"https:\/\/wa.me\/254725068537?text=Hi%20Amssurity%2C%20please%20send%20my%20Diaspora%20IPMI%20Comparison%20Pack%20(3%20options%20%2B%20one-page%20brief).%0A%0AHome%20country%3A%20__%0AWhere%20care%20will%20be%20used%20most%3A%20Kenya%20%2F%20Abroad%20%2F%20Both%0ARegion%20of%20cover%20needed%3A%20Worldwide%20ex-USA%20%2F%20Worldwide%20incl-USA%20%2F%20Africa%2B%0AAges%3A%20__%2C%20__%0AMaternity%20planning%20in%2012%E2%80%9318%20months%3F%20Y%2FN%0APre-existing%20conditions%3F%20Y%2FN%0ABudget%20range%3A%20__\" target=\"_blank\" rel=\"noopener\">\n                WhatsApp: Send my Comparison Pack \u2192\n              <\/a>\n\n              <a class=\"am-btn am-btn-secondary\" href=\"https:\/\/www.amssurity.co.ke\/health-insurance\" target=\"_blank\" rel=\"noopener\">\n                Explore health options \u2192\n              <\/a>\n\n              <a class=\"am-btn am-btn-gold\"\n                 href=\"mailto:agnes@amssurity.co.ke?subject=Diaspora%20IPMI%20Comparison%20Pack%20Request&#038;body=Hi%20Amssurity%2C%0A%0APlease%20send%20my%20Diaspora%20IPMI%20Comparison%20Pack%20(3%20options%20%2B%20one-page%20brief).%0A%0AHome%20country%3A%20__%0AWhere%20care%20will%20be%20used%20most%3A%20Kenya%20%2F%20Abroad%20%2F%20Both%0ARegion%20of%20cover%20needed%3A%20Worldwide%20ex-USA%20%2F%20Worldwide%20incl-USA%20%2F%20Africa%2B%0AAges%3A%20__%2C%20__%0AMaternity%20planning%20in%2012%E2%80%9318%20months%3F%20Y%2FN%0APre-existing%20conditions%3F%20Y%2FN%0ABudget%20range%3A%20__%0A%0AThanks.\">\n                Email details \u2192\n              <\/a>\n            <\/div>\n\n            <p class=\"am-note\">No spam. No obligation. If the wording won\u2019t hold at claim time, we\u2019ll tell you.<\/p>\n\n            <div class=\"am-trust\">\n              <span>\u2714 Portability clarity<\/span>\n              <span>\u2714 Deductible explained<\/span>\n              <span>\u2714 Avoid claim-time surprises<\/span>\n            <\/div>\n          <\/div>\n\n          <aside class=\"am-side\" aria-label=\"Diaspora best fit\">\n            <p class=\"am-side-title\">Best for diaspora who:<\/p>\n            <ul>\n              <li>Split time between Kenya and abroad<\/li>\n              <li>Need maternity\/newborn rules clarified early<\/li>\n              <li>Want evacuation wording explained plainly<\/li>\n            <\/ul>\n          <\/aside>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n<!-- ========= CTA 2: NGO \/ HUMANITARIAN ========= -->\n<section aria-label=\"Amssurity CTA - NGOs &#038; Humanitarian Teams\">\n  <style>\n    \/* Reuse same styles (safe if repeated in WP blocks). If you embed all CTAs on one page, you can remove duplicate <style> blocks. *\/\n    :root{\n      --am-blue:#015587;\n      --am-gold:#EFA31C;\n      --am-yellow:#FBC80B;\n      --am-ink:#0F172A;\n      --am-muted:#475569;\n      --am-border:rgba(2, 72, 110, .16);\n      --am-shadow:0 14px 40px rgba(2, 72, 110, .12);\n      --am-radius:18px;\n      --am-font: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;\n    }\n    .am-ribbon{background:linear-gradient(90deg,#F5B414 0%,#015686 55%,#0051AA 100%);padding:12px 16px;}\n    .am-ribbon-row{display:flex;align-items:center;gap:10px;justify-content:space-between;flex-wrap:wrap;}\n    .am-brand{color:#ffffff;font-weight:800;letter-spacing:.02em;font-size:14px;}\n    .am-ribbon-tag{color:#fff;font-size:13px;opacity:.95;}\n    .am-wrap{background:linear-gradient(180deg,rgba(245,180,20,.10) 0%,rgba(1,86,134,.04) 45%,#ffffff 100%);}\n    .am-rule{height:4px;background:#F5B414;border-radius:8px;margin:16px 18px 0;}\n    .am-trust{margin-top:12px;border-top:1px solid rgba(1,86,134,.12);padding-top:12px;color:#475569;font-size:14.5px;line-height:1.7;}\n    .am-trust span{display:inline-block;margin-right:14px;}\n    .am-card{font-family:var(--am-font);border:1px solid var(--am-border);border-radius:var(--am-radius);background:#fff;box-shadow:var(--am-shadow);overflow:hidden;margin:26px 0;}\n    .am-head{padding:18px 18px 14px;background:radial-gradient(900px 240px at 20% 0%, rgba(239,163,28,.22), transparent 60%),radial-gradient(900px 240px at 90% 10%, rgba(1,85,135,.20), transparent 60%),linear-gradient(180deg, rgba(1,85,135,.08), rgba(255,255,255,1));border-bottom:1px solid rgba(2, 72, 110, .10);}\n    .am-title{margin:0 0 6px;font-size:1.75rem;line-height:1.15;font-weight:900;color:var(--am-ink);letter-spacing:-.02em;}\n    .am-sub{margin:0;font-size:1.16rem;line-height:1.65;color:var(--am-muted);}\n    .am-body{padding:16px 18px 18px;}\n    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16px;border-radius:14px;font-weight:950;font-size:1.10rem;text-decoration:none;border:1px solid transparent;transition:transform .06s ease, box-shadow .18s ease, background .18s ease;user-select:none;cursor:pointer;}\n    .am-btn:active{transform:translateY(1px);}\n    .am-btn-primary{color:#fff;background:linear-gradient(135deg, var(--am-blue), #003A63);box-shadow:0 10px 22px rgba(1,85,135,.22);}\n    .am-btn-primary:hover{box-shadow:0 14px 30px rgba(1,85,135,.28);}\n    .am-btn-secondary{color:var(--am-blue);background:#fff;border-color:rgba(1,85,135,.22);}\n    .am-btn-secondary:hover{background:rgba(1,85,135,.04);}\n    .am-btn-gold{color:var(--am-ink);background:linear-gradient(135deg, var(--am-gold), var(--am-yellow));box-shadow:0 10px 22px rgba(239,163,28,.18);}\n    .am-note{margin:10px 0 0;font-size:.98rem;color:#64748b;}\n  <\/style>\n\n  <div class=\"am-card\">\n    <div class=\"am-ribbon\">\n      <div class=\"am-ribbon-row\">\n        <div class=\"am-brand\">AMSSURITY INSURANCE AGENCY<\/div>\n        <div class=\"am-ribbon-tag\">For NGOs & Humanitarian Teams<\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"am-wrap\">\n      <div class=\"am-rule\"><\/div>\n\n      <div class=\"am-head\">\n        <h2 class=\"am-title\"><span class=\"ez-toc-section\" id=\"NGOs_duty-of-care_is_decided_by_wording_not_intention-2\"><\/span>NGOs: duty-of-care is decided by wording, not intention.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n        <p class=\"am-sub\">\n          Request an <strong>NGO IPMI Risk Review<\/strong>: a structured assessment of evacuation wording, geographic exclusions,\n          assistance protocols, and group underwriting options \u2014 with a practical brief your leadership can act on.\n        <\/p>\n        <div class=\"am-chips\">\n          <span class=\"am-chip\">\ud83e\udded <b>Duty-of-care<\/b> Review<\/span>\n          <span class=\"am-chip\">\ud83d\ude81 <b>Evacuation<\/b> Wording<\/span>\n          <span class=\"am-chip\">\ud83d\udcc4 <b>48h<\/b> Written Brief<\/span>\n        <\/div>\n      <\/div>\n\n      <div class=\"am-body\">\n        <div class=\"am-grid\">\n          <div>\n            <div class=\"am-actions\">\n              <a class=\"am-btn am-btn-primary\" href=\"https:\/\/wa.me\/254725068537?text=Hi%20Amssurity%2C%20please%20book%20an%20NGO%20IPMI%20Risk%20Review.%0A%0AOrganisation%3A%20__%0AStaff%20count%20to%20cover%3A%20__%0ACountries%20of%20deployment%3A%20__%0AHigh-risk%20areas%20involved%3F%20Y%2FN%0AKey%20concerns%3A%20Evacuation%20%2F%20Mental%20health%20%2F%20Chronic%20care%20%2F%20Other%20__%0ABudget%20range%3A%20__%0A%0AWe%E2%80%99d%20like%20a%2048h%20written%20brief.\" target=\"_blank\" rel=\"noopener\">\n                WhatsApp: Book NGO Risk Review \u2192\n              <\/a>\n\n              <a class=\"am-btn am-btn-secondary\" href=\"https:\/\/www.amssurity.co.ke\/health-insurance\" target=\"_blank\" rel=\"noopener\">\n                Explore health options \u2192\n              <\/a>\n\n              <a class=\"am-btn am-btn-gold\"\n                 href=\"mailto:agnes@amssurity.co.ke?subject=NGO%20IPMI%20Risk%20Review%20Request&#038;body=Hi%20Amssurity%2C%0A%0APlease%20book%20an%20NGO%20IPMI%20Risk%20Review.%0A%0AOrganisation%3A%20__%0AStaff%20count%20to%20cover%3A%20__%0ACountries%20of%20deployment%3A%20__%0AHigh-risk%20areas%20involved%3F%20Y%2FN%0AKey%20concerns%3A%20Evacuation%20%2F%20Mental%20health%20%2F%20Chronic%20care%20%2F%20Other%20__%0ABudget%20range%3A%20__%0A%0AWe%E2%80%99d%20like%20a%2048h%20written%20brief.%0A%0AThanks.\">\n                Email details \u2192\n              <\/a>\n            <\/div>\n\n            <p class=\"am-note\">Confidential. No obligation. We highlight structural gaps before they become emergencies.<\/p>\n\n            <div class=\"am-trust\">\n              <span>\u2714 Evacuation clause clarity<\/span>\n              <span>\u2714 Deployment-fit region cover<\/span>\n              <span>\u2714 Leadership-ready brief<\/span>\n            <\/div>\n          <\/div>\n\n          <aside class=\"am-side\" aria-label=\"NGO best fit\">\n            <p class=\"am-side-title\">Best for NGOs who:<\/p>\n            <ul>\n              <li>Deploy staff across regions or borders<\/li>\n              <li>Need evacuation and assistance protocols reviewed<\/li>\n              <li>Want a defensible duty-of-care position<\/li>\n            <\/ul>\n          <\/aside>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n<!-- ========= CTA 3: CORPORATE \/ MULTINATIONAL ========= -->\n<section aria-label=\"Amssurity CTA - Corporate Expat Programs\">\n  <style>\n    :root{\n      --am-blue:#015587;\n      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transparent;transition:transform .06s ease, box-shadow .18s ease, background .18s ease;user-select:none;cursor:pointer;}\n    .am-btn:active{transform:translateY(1px);}\n    .am-btn-primary{color:#fff;background:linear-gradient(135deg, var(--am-blue), #003A63);box-shadow:0 10px 22px rgba(1,85,135,.22);}\n    .am-btn-primary:hover{box-shadow:0 14px 30px rgba(1,85,135,.28);}\n    .am-btn-secondary{color:var(--am-blue);background:#fff;border-color:rgba(1,85,135,.22);}\n    .am-btn-secondary:hover{background:rgba(1,85,135,.04);}\n    .am-btn-gold{color:var(--am-ink);background:linear-gradient(135deg, var(--am-gold), var(--am-yellow));box-shadow:0 10px 22px rgba(239,163,28,.18);}\n    .am-note{margin:10px 0 0;font-size:.98rem;color:#64748b;}\n  <\/style>\n\n  <div class=\"am-card\">\n    <div class=\"am-ribbon\">\n      <div class=\"am-ribbon-row\">\n        <div class=\"am-brand\">AMSSURITY INSURANCE AGENCY<\/div>\n        <div class=\"am-ribbon-tag\">For Corporate Expat Programs<\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"am-wrap\">\n      <div class=\"am-rule\"><\/div>\n\n      <div class=\"am-head\">\n        <h2 class=\"am-title\"><span class=\"ez-toc-section\" id=\"Corporate_global_medical_cover_is_a_governance_decision-2\"><\/span>Corporate: global medical cover is a governance decision.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n        <p class=\"am-sub\">\n          Book a <strong>Corporate IPMI Strategy Session<\/strong>: we review your current structure, mobility exposure,\n          renewal risk, and the trade-offs that affect executive experience and HR accountability.\n        <\/p>\n        <div class=\"am-chips\">\n          <span class=\"am-chip\">\ud83e\udde0 <b>Strategy<\/b> Review<\/span>\n          <span class=\"am-chip\">\ud83c\udf0d <b>Mobility<\/b> Fit<\/span>\n          <span class=\"am-chip\">\ud83d\udcc8 <b>Renewal<\/b> Risk<\/span>\n        <\/div>\n      <\/div>\n\n      <div class=\"am-body\">\n        <div class=\"am-grid\">\n          <div>\n            <div class=\"am-actions\">\n              <a class=\"am-btn am-btn-primary\" href=\"https:\/\/wa.me\/254725068537?text=Hi%20Amssurity%2C%20please%20book%20a%20Corporate%20IPMI%20Strategy%20Session.%0A%0ACompany%3A%20__%0AStaff%20to%20cover%3A%20__%0AExpat%20locations%20%2F%20mobility%20routes%3A%20__%0ARegion%20of%20cover%20needed%3A%20Worldwide%20ex-USA%20%2F%20Worldwide%20incl-USA%20%2F%20Africa%2B%0ARenewal%20timeline%3A%20__%0AKey%20issues%3A%20Claims%20%2F%20Cost%20%2F%20Network%20%2F%20Approvals%0A%0APlease%20share%20available%20slots.\" target=\"_blank\" rel=\"noopener\">\n                WhatsApp: Book strategy session \u2192\n              <\/a>\n\n              <a class=\"am-btn am-btn-secondary\" href=\"https:\/\/www.amssurity.co.ke\/blog\/guide-to-employee-benefits-in-kenya\/\" target=\"_blank\" rel=\"noopener\">\n                Read employee benefits guide \u2192\n              <\/a>\n\n              <a class=\"am-btn am-btn-gold\"\n                 href=\"mailto:agnes@amssurity.co.ke?subject=Corporate%20IPMI%20Strategy%20Session%20Request&#038;body=Hi%20Amssurity%2C%0A%0APlease%20book%20a%20Corporate%20IPMI%20Strategy%20Session.%0A%0ACompany%3A%20__%0AStaff%20to%20cover%3A%20__%0AExpat%20locations%20%2F%20mobility%20routes%3A%20__%0ARegion%20of%20cover%20needed%3A%20Worldwide%20ex-USA%20%2F%20Worldwide%20incl-USA%20%2F%20Africa%2B%0ARenewal%20timeline%3A%20__%0AKey%20issues%3A%20Claims%20%2F%20Cost%20%2F%20Network%20%2F%20Approvals%0A%0APlease%20share%20available%20slots.%0A%0AThanks.\">\n                Email details \u2192\n              <\/a>\n            <\/div>\n\n            <p class=\"am-note\">Confidential. No obligation. We\u2019ll tell you where the structure will fail before it does.<\/p>\n\n            <div class=\"am-trust\">\n              <span>\u2714 Executive-ready benefits<\/span>\n              <span>\u2714 HR risk reduction<\/span>\n              <span>\u2714 Defensible renewal decisions<\/span>\n            <\/div>\n          <\/div>\n\n          <aside class=\"am-side\" aria-label=\"Corporate best fit\">\n            <p class=\"am-side-title\">Best for companies who:<\/p>\n            <ul>\n              <li>Have expats or mobile executives<\/li>\n              <li>Need consistent global benefits across regions<\/li>\n              <li>Want fewer claim escalations to HR<\/li>\n            <\/ul>\n          <\/aside>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If your healthcare exposure crosses borders, your risk profile changes. International health insurance in Kenya is not simply an upgraded [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":3312,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[2],"tags":[],"class_list":["post-3284","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance-in-kenya"],"modified_by":"Agnes Mukulu","_links":{"self":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/3284","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/comments?post=3284"}],"version-history":[{"count":13,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/3284\/revisions"}],"predecessor-version":[{"id":3313,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/3284\/revisions\/3313"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/media\/3312"}],"wp:attachment":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/media?parent=3284"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/categories?post=3284"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/tags?post=3284"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}