{"id":4172,"date":"2026-08-15T13:40:12","date_gmt":"2026-08-15T10:40:12","guid":{"rendered":"https:\/\/www.amssurity.co.ke\/blog\/?p=4172"},"modified":"2026-08-15T14:02:21","modified_gmt":"2026-08-15T11:02:21","slug":"compare-ipmi-plans-in-kenya","status":"publish","type":"post","link":"https:\/\/www.amssurity.co.ke\/blog\/compare-ipmi-plans-in-kenya\/","title":{"rendered":"IPMI in Kenya: What to Compare Before You Buy"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">To compare IPMI plans in Kenya properly, check eight things: geographical area, hospital access and direct settlement, deductibles, underwriting terms, benefit limits, evacuation, repatriation, and who services the policy. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Compare premiums only after every quotation uses the same insured members, country of residence, area of cover and excess.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The premium becomes meaningful after those differences are visible. Compare every quotation on the same assumptions: who is covered, where they live and seek treatment, hospital access, your financial exposure and the insurer\u2019s final terms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you are still deciding whether IPMI is appropriate, begin with our <a href=\"https:\/\/www.amssurity.co.ke\/blog\/international-health-insurance-in-kenya\/\">complete guide to international health insurance in Kenya<\/a>. This article is for choosing between quotations.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Disclosure:<\/strong> Amssurity is an officially appointed Bupa Global intermediary and Old Mutual agent. We access the AXA Global Executive Health Plan as a subagent through Executive Healthcare Solutions.<\/p>\n<\/blockquote>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 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-6a807c0602385\" 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-6a807c0602385\"  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\/compare-ipmi-plans-in-kenya\/#1_Start_with_the_life_the_policy_must_support\" >1. Start with the life the policy must support<\/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\/compare-ipmi-plans-in-kenya\/#2_Read_the_geographical_area_precisely\" >2. Read the geographical area precisely<\/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\/compare-ipmi-plans-in-kenya\/#3_Separate_hospital_recognition_from_direct_settlement\" >3. Separate hospital recognition from direct settlement<\/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\/compare-ipmi-plans-in-kenya\/#4_Calculate_more_than_the_premium\" >4. Calculate more than the premium<\/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\/compare-ipmi-plans-in-kenya\/#5_Compare_the_final_underwriting_decision\" >5. Compare the final underwriting decision<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.amssurity.co.ke\/blog\/compare-ipmi-plans-in-kenya\/#6_Read_beneath_the_annual_maximum\" >6. Read beneath the annual maximum<\/a><\/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\/compare-ipmi-plans-in-kenya\/#7_Distinguish_evacuation_from_repatriation\" >7. Distinguish evacuation from repatriation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.amssurity.co.ke\/blog\/compare-ipmi-plans-in-kenya\/#8_Know_who_performs_each_role\" >8. Know who performs each role<\/a><\/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\/compare-ipmi-plans-in-kenya\/#What_to_Check_When_You_Compare_IPMI_Plans_in_Kenya\" >What to Check When You Compare IPMI Plans in Kenya<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.amssurity.co.ke\/blog\/compare-ipmi-plans-in-kenya\/#The_decision\" >The decision<\/a><\/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\/compare-ipmi-plans-in-kenya\/#Get_a_matched_IPMI_comparison\" >Get a matched IPMI comparison.<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Start_with_the_life_the_policy_must_support\"><\/span><strong>1. Start with the life the policy must support<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before comparing benefits, define:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Where each member lives, works or studies.<\/li>\n\n\n\n<li>Where you would seek planned treatment.<\/li>\n\n\n\n<li>Preferred hospitals or specialists.<\/li>\n\n\n\n<li>Medical conditions requiring disclosure.<\/li>\n\n\n\n<li>Maternity plans or possible relocations.<\/li>\n\n\n\n<li>An affordable deductible.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">A Nairobi family with one parent working in Dubai and a child studying in the UK may need worldwide cover excluding the US. US cover may be unnecessary; Africa-only cover leaves an obvious gap.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Read_the_geographical_area_precisely\"><\/span><strong>2. Read the geographical area precisely<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cWorldwide\u201d is not a complete answer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bupa Explorer Africa currently offers Africa Plus, Africa Plus and Europe, Worldwide excluding the US, and Worldwide including the US. Africa Plus also includes specified countries outside Africa, such as India, Pakistan, Sri Lanka and the Philippines. Other products use different country groupings and eligibility rules. <a href=\"https:\/\/www.bupaglobal.com\/en\/private-health-insurance\/ke\" target=\"_blank\" rel=\"noopener\">See Bupa\u2019s current Kenya plan information<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Confirm that every country of residence is included, whether planned treatment is permitted there, what emergency cover exists outside the area and what happens if someone relocates.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Separate_hospital_recognition_from_direct_settlement\"><\/span><strong>3. Separate hospital recognition from direct settlement<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A hospital appearing in a directory does not automatically guarantee cashless treatment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ask:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Is the hospital recognised under this plan?<\/li>\n\n\n\n<li>Can the insurer settle eligible bills directly there?<\/li>\n\n\n\n<li>Does the treatment require pre-authorisation?<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Bupa advises members to obtain pre-authorisation for specified treatment and explains that direct settlement is generally easier within its network. A deductible, deposit or non-covered amount may still remain payable. <a href=\"https:\/\/www.bupaglobal.com\/en\/help-support\/mw-support\/mw-faq\" target=\"_blank\" rel=\"noopener\">See Bupa\u2019s provider and pre-authorisation guidance<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When admission is required, establish who confirms eligibility, issues the payment guarantee and explains what remains payable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Calculate_more_than_the_premium\"><\/span><strong>4. Calculate more than the premium<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Compare the annual premium alongside:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>The deductible and how it applies.<\/li>\n\n\n\n<li>Coinsurance and copayments.<\/li>\n\n\n\n<li>Benefit limits and sublimits.<\/li>\n\n\n\n<li>Charges above recognised rates.<\/li>\n\n\n\n<li>Currency and payment-frequency costs.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Bupa\u2019s May 2026 Explorer Africa brochure offers deductible choices of zero, USD 200, USD 500 or USD 1,000. A higher deductible may reduce premium, but it increases the amount you must fund before the policy responds. <a href=\"https:\/\/www.bupaglobal.com\/-\/media\/BupaGlobal\/PDFs\/2026\/Products\/Africa-Explorer\/KEN-Explorer-Africa-Health-Plan-Sales-Brochure-EN-MAY26-0064573.pdf\" target=\"_blank\" rel=\"noopener\">See the current Explorer Africa brochure<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A cheaper plan can be sensible when the deductible is affordable and deliberately accepted. Discovering that cost during a claim is the problem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Compare_the_final_underwriting_decision\"><\/span><strong>5. Compare the final underwriting decision<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">An initial quotation usually shows standard benefits. The final underwriting terms show what each applicant has actually been offered.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depending on the medical history, a condition may be accepted, excluded, restricted, covered for an additional premium or referred for further evidence. Bupa states that cover for pre-existing, chronic or hereditary conditions is subject to underwriting. That is neither an automatic acceptance nor an automatic exclusion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Compare plans only after receiving the written terms for every member. A cheaper quotation excluding the condition most relevant to the applicant is not equivalent to one that accepts it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_Read_beneath_the_annual_maximum\"><\/span><strong>6. Read beneath the annual maximum<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The headline limit does not reveal every benefit limit. Bupa\u2019s current Explorer Africa brochure illustrates the difference:<\/p>\n\n\n\n<style>\n.amss-bupa-benefits {\n  width: calc(100% - 32px);\n  max-width: 760px;\n  margin: 34px auto;\n  font-family: inherit;\n}\n\n.amss-bupa-benefits__frame {\n  overflow-x: auto;\n  background: #ffffff;\n  border: 1px solid #dce5eb;\n  border-top: 4px solid #efa31c;\n  border-radius: 14px;\n  box-shadow: 0 10px 28px rgba(0, 58, 99, 0.08);\n  -webkit-overflow-scrolling: touch;\n}\n\n.amss-bupa-benefits table {\n  width: 100%;\n  min-width: 600px;\n  margin: 0;\n  border: 0;\n  border-collapse: separate;\n  border-spacing: 0;\n  table-layout: fixed;\n}\n\n.amss-bupa-benefits col:first-child {\n  width: 44%;\n}\n\n.amss-bupa-benefits col:nth-child(2),\n.amss-bupa-benefits col:nth-child(3) {\n  width: 28%;\n}\n\n.amss-bupa-benefits th {\n  padding: 15px 14px;\n  color: #ffffff;\n  background: #003a63;\n  border: 0;\n  border-right: 1px solid rgba(255, 255, 255, 0.16);\n  font-size: 14px;\n  font-weight: 700;\n  line-height: 1.35;\n  text-align: center;\n  vertical-align: middle;\n}\n\n.amss-bupa-benefits th:first-child {\n  color: #ffd078;\n  text-align: left;\n}\n\n.amss-bupa-benefits th:nth-child(2) {\n  background: #015587;\n}\n\n.amss-bupa-benefits th:nth-child(3) {\n  color: #003a63;\n  background: #efa31c;\n  border-right: 0;\n}\n\n.amss-bupa-benefits td {\n  padding: 14px;\n  color: #475569;\n  background: #ffffff;\n  border: 0;\n  border-right: 1px solid #e5ebef;\n  border-bottom: 1px solid #e5ebef;\n  font-size: 14px;\n  line-height: 1.45;\n  text-align: center;\n  vertical-align: middle;\n}\n\n.amss-bupa-benefits td:first-child {\n  color: #003a63;\n  background: #f8f9fa;\n  font-weight: 650;\n  text-align: left;\n}\n\n.amss-bupa-benefits td:nth-child(2) {\n  background: #f8fbfd;\n}\n\n.amss-bupa-benefits td:nth-child(3) {\n  color: #003a63;\n  background: #fffaf0;\n  border-right: 0;\n  font-weight: 650;\n}\n\n.amss-bupa-benefits tbody tr:last-child td {\n  border-bottom: 0;\n}\n\n.amss-bupa-benefits figcaption {\n  margin-top: 11px;\n  color: #64748b;\n  font-size: 13px;\n  line-height: 1.5;\n  text-align: left;\n}\n\n\/* Mobile card view *\/\n@media (max-width: 700px) {\n  .amss-bupa-benefits {\n    width: calc(100% - 24px);\n    margin: 28px auto;\n  }\n\n  .amss-bupa-benefits__frame {\n    overflow: visible;\n    background: transparent;\n    border: 0;\n    border-radius: 0;\n    box-shadow: none;\n  }\n\n  .amss-bupa-benefits table,\n  .amss-bupa-benefits tbody {\n    display: block;\n    width: 100%;\n    min-width: 0;\n  }\n\n  .amss-bupa-benefits colgroup,\n  .amss-bupa-benefits thead {\n    display: none;\n  }\n\n  .amss-bupa-benefits tbody tr {\n    display: block;\n    margin-bottom: 14px;\n    overflow: hidden;\n    background: #ffffff;\n    border: 1px solid #dce5eb;\n    border-top: 3px solid #efa31c;\n    border-radius: 12px;\n    box-shadow: 0 7px 20px rgba(0, 58, 99, 0.07);\n  }\n\n  .amss-bupa-benefits tbody td {\n    display: grid;\n    grid-template-columns: 108px minmax(0, 1fr);\n    align-items: center;\n    width: 100%;\n    min-height: 46px;\n    box-sizing: border-box;\n    padding: 11px 14px;\n    color: #475569;\n    background: #ffffff !important;\n    border: 0;\n    border-bottom: 1px solid #e5ebef;\n    font-size: 14px;\n    line-height: 1.4;\n    text-align: left;\n  }\n\n  .amss-bupa-benefits tbody td:first-child {\n    display: block;\n    padding: 13px 14px;\n    color: #ffffff !important;\n    background: #003a63 !important;\n    border-bottom: 0;\n    font-weight: 700;\n  }\n\n  .amss-bupa-benefits tbody td:last-child {\n    border-bottom: 0;\n  }\n\n  .amss-bupa-benefits tbody td:not(:first-child)::before {\n    color: #003a63;\n    font-size: 12px;\n    font-weight: 800;\n    letter-spacing: 0.03em;\n    text-transform: uppercase;\n  }\n\n  .amss-bupa-benefits tbody td:nth-child(2)::before {\n    content: \"Essential Plus\";\n  }\n\n  .amss-bupa-benefits tbody td:nth-child(3)::before {\n    content: \"Gold\";\n    color: #9a6500;\n  }\n\n  .amss-bupa-benefits tbody td:nth-child(3) {\n    color: #003a63;\n    background: #fff8e8 !important;\n    font-weight: 650;\n  }\n\n  .amss-bupa-benefits figcaption {\n    margin-top: 13px;\n    font-size: 12px;\n  }\n}\n<\/style>\n\n<figure class=\"amss-bupa-benefits\">\n  <div\n    class=\"amss-bupa-benefits__frame\"\n    role=\"region\"\n    aria-label=\"Bupa Essential Plus and Gold selected benefit comparison\"\n    tabindex=\"0\"\n  >\n    <table>\n      <colgroup>\n        <col>\n        <col>\n        <col>\n      <\/colgroup>\n\n      <thead>\n        <tr>\n          <th scope=\"col\">Selected benefit<\/th>\n          <th scope=\"col\">Essential Plus<\/th>\n          <th scope=\"col\">Gold<\/th>\n        <\/tr>\n      <\/thead>\n\n      <tbody>\n        <tr>\n          <td>Overall annual maximum<\/td>\n          <td>USD 1.5 million<\/td>\n          <td>USD 3 million<\/td>\n        <\/tr>\n\n        <tr>\n          <td>Outpatient annual maximum<\/td>\n          <td>USD 2,000<\/td>\n          <td>No separate annual maximum stated<\/td>\n        <\/tr>\n\n        <tr>\n          <td>Routine maternity after 10 months<\/td>\n          <td>USD 2,000<\/td>\n          <td>USD 8,000<\/td>\n        <\/tr>\n\n        <tr>\n          <td>Newborn care for up to 90 days<\/td>\n          <td>USD 50,000<\/td>\n          <td>USD 100,000<\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n\n  <figcaption>\n    Selected Bupa Global Explorer Africa benefits based on the May 2026 Kenya brochure. Limits and terms can change; confirm the current benefit schedule and full policy wording before purchase.\n  <\/figcaption>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">A family planning maternity may value Gold\u2019s higher limits. Someone focused on major inpatient treatment may decide differently.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Check outpatient care, medication, cancer, chronic conditions, mental health, maternity, newborn, dental and optical benefits individually. The relevant benefit may have a much smaller limit than the policy maximum.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_Distinguish_evacuation_from_repatriation\"><\/span><strong>7. Distinguish evacuation from repatriation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Evacuation may take a member to the nearest appropriate facility when suitable treatment is unavailable locally. Repatriation may permit transfer to a country of residence or nationality, subject to medical approval and the wording.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Confirm the trigger, destination, authorisation, transport method, companion benefit and return journey. Medical transfers commonly require advance coordination.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8_Know_who_performs_each_role\"><\/span><strong>8. Know who performs each role<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The name on the quotation may not perform every part of the service.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With Bupa Explorer Africa, Bupa Global Insurance Limited is the insurer and Bupa Global administers the plan. Under the Global Executive Health Plan, Old Mutual General Insurance Kenya Limited underwrites the policy, AXA Global Healthcare provides international administration and EHS acts as the intermediary and first point of contact. <a href=\"https:\/\/www.oldmutual.co.ke\/global-healthplan\/\" target=\"_blank\" rel=\"noopener\">See Old Mutual\u2019s GEHP explanation<\/a> and <a href=\"https:\/\/www.executive-healthcare.com\/axa-global-healthcare\/\" target=\"_blank\" rel=\"noopener\">EHS\u2019s AXA disclosure<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Identify who underwrites, administers claims, issues payment guarantees, coordinates evacuation and handles escalation. Check renewal, relocation and dependant-addition rules too.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_to_Check_When_You_Compare_IPMI_Plans_in_Kenya\"><\/span><strong>What to Check When You Compare IPMI Plans in Kenya<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<style>\n.amss-ipmi-table {\n  width: calc(100% - 32px);\n  max-width: 820px;\n  margin: 34px auto;\n  font-family: inherit;\n}\n\n.amss-ipmi-table__frame {\n  overflow-x: auto;\n  background: #ffffff;\n  border: 1px solid #dce5eb;\n  border-top: 4px solid #efa31c;\n  border-radius: 14px;\n  box-shadow: 0 10px 28px rgba(0, 58, 99, 0.08);\n  -webkit-overflow-scrolling: touch;\n}\n\n.amss-ipmi-table table {\n  width: 100%;\n  min-width: 720px;\n  margin: 0;\n  border: 0;\n  border-collapse: separate;\n  border-spacing: 0;\n  table-layout: fixed;\n}\n\n.amss-ipmi-table col:first-child {\n  width: 43%;\n}\n\n.amss-ipmi-table col:not(:first-child) {\n  width: 19%;\n}\n\n.amss-ipmi-table th {\n  padding: 15px 14px;\n  color: #ffffff;\n  background: #003a63;\n  border: 0;\n  border-right: 1px solid rgba(255, 255, 255, 0.16);\n  font-size: 14px;\n  font-weight: 700;\n  line-height: 1.35;\n  text-align: center;\n  vertical-align: middle;\n}\n\n.amss-ipmi-table th:first-child {\n  color: #ffd078;\n  text-align: left;\n}\n\n.amss-ipmi-table th:last-child {\n  border-right: 0;\n}\n\n.amss-ipmi-table td {\n  min-height: 48px;\n  padding: 13px 14px;\n  color: #475569;\n  background: #ffffff;\n  border: 0;\n  border-right: 1px solid #e5ebef;\n  border-bottom: 1px solid #e5ebef;\n  font-size: 14px;\n  line-height: 1.45;\n  text-align: center;\n  vertical-align: middle;\n}\n\n.amss-ipmi-table td:first-child {\n  color: #003a63;\n  background: #f8f9fa;\n  font-weight: 650;\n  text-align: left;\n}\n\n.amss-ipmi-table tbody tr:nth-child(even) td:not(:first-child) {\n  background: #f9fbfc;\n}\n\n.amss-ipmi-table td:last-child {\n  border-right: 0;\n}\n\n.amss-ipmi-table tbody tr:last-child td {\n  color: #7a5200;\n  background: #fff8e8;\n  border-top: 2px solid #efa31c;\n  border-bottom: 0;\n  font-weight: 650;\n}\n\n.amss-ipmi-table tbody tr:last-child td:first-child {\n  background: #fff3d5;\n}\n\n.amss-ipmi-table td:empty::after {\n  content: \"\u2014\";\n  color: #a5b1bb;\n  font-weight: 400;\n}\n\n.amss-ipmi-table figcaption {\n  margin-top: 11px;\n  color: #64748b;\n  font-size: 13px;\n  line-height: 1.5;\n  text-align: left;\n}\n\n\/* Mobile card view *\/\n@media (max-width: 700px) {\n  .amss-ipmi-table {\n    width: calc(100% - 24px);\n    margin: 28px auto;\n  }\n\n  .amss-ipmi-table__frame {\n    overflow: visible;\n    background: transparent;\n    border: 0;\n    border-radius: 0;\n    box-shadow: none;\n  }\n\n  .amss-ipmi-table table,\n  .amss-ipmi-table tbody {\n    display: block;\n    width: 100%;\n    min-width: 0;\n  }\n\n  .amss-ipmi-table colgroup,\n  .amss-ipmi-table thead {\n    display: none;\n  }\n\n  .amss-ipmi-table tbody tr {\n    display: block;\n    margin-bottom: 14px;\n    overflow: hidden;\n    background: #ffffff;\n    border: 1px solid #dce5eb;\n    border-top: 3px solid #efa31c;\n    border-radius: 12px;\n    box-shadow: 0 7px 20px rgba(0, 58, 99, 0.07);\n  }\n\n  .amss-ipmi-table tbody td {\n    display: grid;\n    grid-template-columns: 78px minmax(0, 1fr);\n    align-items: center;\n    width: 100%;\n    min-height: 43px;\n    box-sizing: border-box;\n    padding: 10px 14px;\n    color: #475569;\n    background: #ffffff !important;\n    border: 0;\n    border-bottom: 1px solid #e5ebef;\n    font-size: 14px;\n    line-height: 1.4;\n    text-align: left;\n  }\n\n  .amss-ipmi-table tbody td:first-child {\n    display: block;\n    position: static;\n    padding: 13px 14px;\n    color: #ffffff !important;\n    background: #003a63 !important;\n    border-bottom: 0;\n    box-shadow: none;\n    font-weight: 700;\n  }\n\n  .amss-ipmi-table tbody td:last-child {\n    border-bottom: 0;\n  }\n\n  .amss-ipmi-table tbody td:not(:first-child)::before {\n    color: #003a63;\n    font-size: 12px;\n    font-weight: 800;\n    letter-spacing: 0.04em;\n    text-transform: uppercase;\n  }\n\n  .amss-ipmi-table tbody td:nth-child(2)::before {\n    content: \"Plan A\";\n  }\n\n  .amss-ipmi-table tbody td:nth-child(3)::before {\n    content: \"Plan B\";\n  }\n\n  .amss-ipmi-table tbody td:nth-child(4)::before {\n    content: \"Plan C\";\n  }\n\n  .amss-ipmi-table tbody td:empty::after {\n    content: \"\u2014\";\n    justify-self: start;\n    color: #a5b1bb;\n  }\n\n  .amss-ipmi-table tbody tr:last-child td:first-child {\n    color: #003a63 !important;\n    background: #efa31c !important;\n  }\n\n  .amss-ipmi-table tbody tr:last-child td:not(:first-child) {\n    color: #7a5200;\n    background: #fff8e8 !important;\n  }\n\n  .amss-ipmi-table figcaption {\n    margin-top: 13px;\n    font-size: 12px;\n  }\n}\n<\/style>\n\n<figure class=\"amss-ipmi-table\">\n  <div\n    class=\"amss-ipmi-table__frame\"\n    role=\"region\"\n    aria-label=\"IPMI plan comparison checklist\"\n    tabindex=\"0\"\n  >\n    <table>\n      <colgroup>\n        <col>\n        <col>\n        <col>\n        <col>\n      <\/colgroup>\n\n      <thead>\n        <tr>\n          <th scope=\"col\">Compare<\/th>\n          <th scope=\"col\">Plan A<\/th>\n          <th scope=\"col\">Plan B<\/th>\n          <th scope=\"col\">Plan C<\/th>\n        <\/tr>\n      <\/thead>\n\n      <tbody>\n        <tr>\n          <td>Area of cover and US inclusion<\/td>\n          <td><\/td>\n          <td><\/td>\n          <td><\/td>\n        <\/tr>\n\n        <tr>\n          <td>Premium, currency and deductible<\/td>\n          <td><\/td>\n          <td><\/td>\n          <td><\/td>\n        <\/tr>\n\n        <tr>\n          <td>Preferred hospitals and settlement<\/td>\n          <td><\/td>\n          <td><\/td>\n          <td><\/td>\n        <\/tr>\n\n        <tr>\n          <td>Final underwriting terms<\/td>\n          <td><\/td>\n          <td><\/td>\n          <td><\/td>\n        <\/tr>\n\n        <tr>\n          <td>Key benefit limits<\/td>\n          <td><\/td>\n          <td><\/td>\n          <td><\/td>\n        <\/tr>\n\n        <tr>\n          <td>Maternity and newborn terms<\/td>\n          <td><\/td>\n          <td><\/td>\n          <td><\/td>\n        <\/tr>\n\n        <tr>\n          <td>Evacuation and repatriation<\/td>\n          <td><\/td>\n          <td><\/td>\n          <td><\/td>\n        <\/tr>\n\n        <tr>\n          <td>Insurer, administrator and claims contact<\/td>\n          <td><\/td>\n          <td><\/td>\n          <td><\/td>\n        <\/tr>\n\n        <tr>\n          <td>Renewal or relocation rules<\/td>\n          <td><\/td>\n          <td><\/td>\n          <td><\/td>\n        <\/tr>\n\n        <tr>\n          <td>Material compromise accepted<\/td>\n          <td><\/td>\n          <td><\/td>\n          <td><\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n\n  <figcaption>\n    Compare the final quotation, benefit schedule and underwriting decision\u2014not brochure headlines alone.\n  <\/figcaption>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">If all quotations cannot be completed on the same grid, they are not ready for a price comparison.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_decision\"><\/span><strong>The decision<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A lower-premium IPMI plan can be the right choice when its geography fits, the hospitals and claims pathway have been confirmed, the underwriting terms are acceptable and the deductible is affordable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before paying more, complete this sentence:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>We are paying an additional USD ___ because this plan gives us ___, which we expect to use or could not comfortably fund ourselves.<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Choose the compromise you understand and can defend.<\/p>\n\n\n\n<style>\n.amss-ipmi-cta {\n  width: calc(100% - 32px);\n  max-width: 760px;\n  box-sizing: border-box;\n  margin: 36px auto;\n  padding: 30px;\n  overflow: hidden;\n  color: #ffffff;\n  background: linear-gradient(135deg, #003a63 0%, #015587 100%);\n  border-top: 5px solid #efa31c;\n  border-radius: 18px;\n  box-shadow: 0 14px 34px rgba(0, 58, 99, 0.14);\n  font-family: inherit;\n}\n\n.amss-ipmi-cta__grid {\n  display: grid;\n  grid-template-columns: minmax(0, 1.25fr) minmax(230px, 0.75fr);\n  gap: 24px;\n  align-items: center;\n}\n\n.amss-ipmi-cta__label {\n  margin: 0 0 14px;\n  color: #ffd078;\n  font-size: 12px;\n  font-weight: 700;\n  letter-spacing: 0.1em;\n  text-transform: uppercase;\n}\n\n.amss-ipmi-cta h2 {\n  margin: 0 0 14px;\n  color: #ffffff;\n  font-size: clamp(27px, 4vw, 36px);\n  line-height: 1.12;\n  letter-spacing: -0.02em;\n}\n\n.amss-ipmi-cta__copy {\n  margin: 0 0 22px;\n  color: rgba(255, 255, 255, 0.88);\n  font-size: 16px;\n  line-height: 1.6;\n}\n\n.amss-ipmi-cta__button {\n  display: inline-flex;\n  align-items: center;\n  justify-content: center;\n  min-height: 48px;\n  padding: 12px 18px;\n  color: #003a63 !important;\n  background: #efa31c;\n  border-radius: 9px;\n  font-size: 15px;\n  font-weight: 750;\n  line-height: 1.3;\n  text-align: center;\n  text-decoration: none !important;\n  transition: transform 0.18s ease, background 0.18s ease;\n}\n\n.amss-ipmi-cta__button:hover {\n  background: #ffb52e;\n  transform: translateY(-2px);\n}\n\n.amss-ipmi-cta__button:focus-visible {\n  outline: 3px solid #ffffff;\n  outline-offset: 3px;\n}\n\n.amss-ipmi-cta__note {\n  margin: 10px 0 0;\n  color: rgba(255, 255, 255, 0.68);\n  font-size: 13px;\n}\n\n.amss-ipmi-cta__panel {\n  padding: 20px;\n  background: rgba(248, 249, 250, 0.09);\n  border: 1px solid rgba(255, 255, 255, 0.17);\n  border-radius: 13px;\n}\n\n.amss-ipmi-cta__panel-title {\n  margin: 0 0 14px;\n  color: #ffffff;\n  font-size: 15px;\n  font-weight: 700;\n}\n\n.amss-ipmi-cta__list {\n  margin: 0;\n  padding: 0;\n  list-style: none;\n}\n\n.amss-ipmi-cta__list li {\n  position: relative;\n  margin: 0 0 12px;\n  padding-left: 25px;\n  color: rgba(255, 255, 255, 0.9);\n  font-size: 14px;\n  line-height: 1.45;\n}\n\n.amss-ipmi-cta__list li:last-child {\n  margin-bottom: 0;\n}\n\n.amss-ipmi-cta__list li::before {\n  content: \"\u2713\";\n  position: absolute;\n  top: 0;\n  left: 0;\n  color: #efa31c;\n  font-weight: 800;\n}\n\n@media (max-width: 700px) {\n  .amss-ipmi-cta {\n    width: calc(100% - 24px);\n    margin: 28px auto;\n    padding: 24px 20px;\n    border-radius: 15px;\n  }\n\n  .amss-ipmi-cta__grid {\n    grid-template-columns: 1fr;\n    gap: 22px;\n  }\n\n  .amss-ipmi-cta__button {\n    width: 100%;\n    box-sizing: border-box;\n  }\n}\n<\/style>\n\n<section class=\"amss-ipmi-cta\" aria-labelledby=\"amss-ipmi-cta-title\">\n  <div class=\"amss-ipmi-cta__grid\">\n\n    <div>\n      <p class=\"amss-ipmi-cta__label\">\n        Amssurity IPMI Advisory\n      <\/p>\n\n      <h2 id=\"amss-ipmi-cta-title\"><span class=\"ez-toc-section\" id=\"Get_a_matched_IPMI_comparison\"><\/span>\n        Get a matched IPMI comparison.\n      <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n      <p class=\"amss-ipmi-cta__copy\">\n        Request an <strong>IPMI Comparison Pack<\/strong> assessing the\n        appropriate Bupa option alongside other suitable routes. Your\n        comparison is matched to your circumstances not built around a\n        generic plan ranking.\n      <\/p>\n\n      <a class=\"amss-ipmi-cta__button\" href=\"https:\/\/wa.me\/254725068537?text=Hi%20Amssurity%2C%20please%20prepare%20my%20IPMI%20Comparison%20Pack.%20Country%20of%20residence%3A%20__.%20Treatment%20countries%3A%20__.%20Ages%3A%20__.%20Preferred%20hospitals%3A%20__.%20Existing%20quotes%3A%20__.\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Request an IPMI Comparison Pack from Amssurity on WhatsApp\">\n        Request My IPMI Comparison Pack&nbsp; \u2192\n      <\/a>\n\n      <p class=\"amss-ipmi-cta__note\">\n        Opens WhatsApp. No obligation.\n      <\/p>\n    <\/div>\n\n    <div class=\"amss-ipmi-cta__panel\">\n      <p class=\"amss-ipmi-cta__panel-title\">\n        Your comparison will assess:\n      <\/p>\n\n      <ul class=\"amss-ipmi-cta__list\">\n        <li>Geography and treatment-country fit<\/li>\n        <li>Hospital access and direct settlement<\/li>\n        <li>Deductible and underwriting exposure<\/li>\n        <li>Evacuation and repatriation wording<\/li>\n      <\/ul>\n    <\/div>\n\n  <\/div>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\"><em>This article provides general insurance education. Benefits, hospital networks, premiums and underwriting terms can change. Confirm the final quotation, certificate, benefit schedule and policy wording before purchasing cover.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Compare IPMI plans in Kenya today with Amssurity Insurance<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>By Agnes Mukulu, Principal Agent | Amssurity Insurance Agency<\/strong><br><strong>Last reviewed: 15 August 2026<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Two IPMI quotations can carry similar annual limits while offering very different protection. Use this eight-point comparison to check geography, hospital access, deductibles, underwriting, benefit limits and evacuation before choosing international medical cover in Kenya.<\/p>\n","protected":false},"author":6,"featured_media":4181,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,95],"tags":[],"class_list":["post-4172","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance-in-kenya","category-ipmi-kenya"],"_links":{"self":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/4172","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=4172"}],"version-history":[{"count":11,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/4172\/revisions"}],"predecessor-version":[{"id":4184,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/4172\/revisions\/4184"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/media\/4181"}],"wp:attachment":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/media?parent=4172"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/categories?post=4172"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/tags?post=4172"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}