{"id":89,"date":"2021-03-05T16:34:17","date_gmt":"2021-03-05T16:34:17","guid":{"rendered":"https:\/\/www.amssurity.co.ke\/blog\/?p=89"},"modified":"2026-03-14T18:34:08","modified_gmt":"2026-03-14T15:34:08","slug":"health-insurance-in-kenya-terms-2024","status":"publish","type":"post","link":"https:\/\/www.amssurity.co.ke\/blog\/health-insurance-in-kenya-terms-2024\/","title":{"rendered":"8 Key Health insurance in Kenya Terms Simplified &amp; Enhanced Guide for 2026"},"content":{"rendered":"\n<p>Navigating health insurance in Kenya can be overwhelming, especially when brokers and agents use industry jargon. This 2026 guide not only defines the top 8 confusing health insurance in Kenya terms but also shows you how to compare plans, estimate premiums and avoid nasty surprises. Before purchasing\u00a0health insurance in Kenya, read on to become an informed consumer.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 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-69feb67910ba7\" 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-69feb67910ba7\"  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\/health-insurance-in-kenya-terms-2024\/#Health_Insurance_in_Kenya_Premium_Calculator_Estimates\" >Health Insurance in Kenya Premium Calculator Estimates<\/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\/health-insurance-in-kenya-terms-2024\/#Estimate_Your_Monthly_Health_Insurance_Premium\" >Estimate Your Monthly Health Insurance Premium<\/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\/health-insurance-in-kenya-terms-2024\/#1_Waiting_Period\" >1. Waiting Period<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.amssurity.co.ke\/blog\/health-insurance-in-kenya-terms-2024\/#Unsure_about_your_waiting_periods\" >Unsure about your waiting periods?<\/a><\/li><\/ul><\/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\/health-insurance-in-kenya-terms-2024\/#2_Copay_Co-payment\" >2. Copay (Co-payment)<\/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\/health-insurance-in-kenya-terms-2024\/#3_SHIF_Contributions_Rebate\" >3. SHIF Contributions &amp; Rebate<\/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\/health-insurance-in-kenya-terms-2024\/#4_Sub-limit\" >4. Sub-limit<\/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\/health-insurance-in-kenya-terms-2024\/#5_Pre-Existing_Conditions\" >5. Pre-Existing Conditions<\/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\/health-insurance-in-kenya-terms-2024\/#6_Chronic_Conditions\" >6. Chronic Conditions<\/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\/health-insurance-in-kenya-terms-2024\/#7_Congenital_Conditions\" >7. Congenital Conditions<\/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\/health-insurance-in-kenya-terms-2024\/#8_Exclusions\" >8. Exclusions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.amssurity.co.ke\/blog\/health-insurance-in-kenya-terms-2024\/#Cost_Snapshot_Premiums_Segments\" >Cost Snapshot: Premiums &amp; Segments<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.amssurity.co.ke\/blog\/health-insurance-in-kenya-terms-2024\/#SHASHIF_Social_Scheme\" >SHA\/SHIF (Social Scheme)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.amssurity.co.ke\/blog\/health-insurance-in-kenya-terms-2024\/#Budget_Private_Plans\" >Budget Private Plans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.amssurity.co.ke\/blog\/health-insurance-in-kenya-terms-2024\/#High-Cost_Local_Plans\" >High-Cost Local Plans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.amssurity.co.ke\/blog\/health-insurance-in-kenya-terms-2024\/#International_Medical_Insurance\" >International Medical Insurance<\/a><\/li><\/ul><\/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\/health-insurance-in-kenya-terms-2024\/#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-18\" href=\"https:\/\/www.amssurity.co.ke\/blog\/health-insurance-in-kenya-terms-2024\/#Is_maternity_always_a_separate_covered\" >Is maternity always a separate covered?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.amssurity.co.ke\/blog\/health-insurance-in-kenya-terms-2024\/#Can_I_add_parents_above_65\" >Can I add parents above 65?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.amssurity.co.ke\/blog\/health-insurance-in-kenya-terms-2024\/#Only_if_your_plan_includes_international_evacuation_or_elective_benefits_abroad\" >Only if your plan includes international evacuation or elective benefits abroad.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.amssurity.co.ke\/blog\/health-insurance-in-kenya-terms-2024\/#What_if_I_skip_SHIF\" >What if I skip SHIF?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.amssurity.co.ke\/blog\/health-insurance-in-kenya-terms-2024\/#Are_annual_wellness_check-ups_included\" >Are annual wellness check-ups included?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.amssurity.co.ke\/blog\/health-insurance-in-kenya-terms-2024\/#Are_pre-existing_conditions_covered_by_health_insurance\" >Are pre-existing conditions covered by health insurance?<\/a><\/li><\/ul><\/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\/health-insurance-in-kenya-terms-2024\/#Next_Steps\" >Next Steps<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.amssurity.co.ke\/blog\/health-insurance-in-kenya-terms-2024\/#%F0%9F%93%9E_Call%E2%80%AF%E2%80%AFWhatsApp_Us\" >\ud83d\udcde Call\u202f\/\u202fWhatsApp Us<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"calculate\"><span class=\"ez-toc-section\" id=\"Health_Insurance_in_Kenya_Premium_Calculator_Estimates\"><\/span><strong>Health Insurance in Kenya Premium Calculator Estimates<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Pro tip:<\/strong> Use the premium estimator below for a quick ballpark, no personal data required.<\/p>\n<\/blockquote>\n\n\n\n<p><\/p>\n\n\n\n<p>How much do you need to pay for your health insurance in Kenya? See our simple health insurance premium calculator:<\/p>\n\n\n\n<p><\/p>\n\n\n\n<!-- 1. Scoped Styles -->\n<style>\n  :root {\n    --amss-primary: #005EB8;\n    --amss-secondary: #0077D1;\n    --amss-accent: #D4AF37;\n    --amss-whatsapp: #25D366;\n  }\n  .amss-calc {\n    width: 100%;\n    max-width: 750px;\n    margin: 2rem auto;\n    padding: 1.5rem;\n    background: linear-gradient(135deg, #f8fafc, #ffffff);\n    border-radius: 24px;\n    box-shadow: 0 10px 20px rgba(0,0,0,0.1);\n    font-family: Arial, sans-serif;\n    box-sizing: border-box;\n  }\n  .amss-calc h2 {\n    text-align: center;\n    font-size: 2.0rem;\n    background: linear-gradient(90deg, var(--amss-primary), var(--amss-secondary));\n    color: #fff;\n    padding: 0.75rem;\n    border-radius: 16px;\n    margin-bottom: 1.5rem;\n  }\n  .amss-calc label {\n    display: block;\n    margin-bottom: 0.5rem;\n    font-weight: 700; \/* bold *\/\n    color: #333;\n  }\n  .amss-calc select {\n    width: 100%;\n    padding: 0.75rem;\n    margin-bottom: 1rem;\n    border: 1px solid #ccc;\n    border-radius: 8px;\n    appearance: none;\n    background: #fff url('data:image\/svg+xml;charset=UTF-8,<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\"><path fill=\"%23777\" d=\"M0 0l5 6 5-6z\"\/><\/svg>') no-repeat right 0.75rem center;\n    background-size: 10px;\n    cursor: pointer;\n    box-sizing: border-box;\n  }\n  .amss-calc button {\n    width: 100%;\n    padding: 0.75rem;\n    font-size: 1.75rem;\n    font-weight: 700;\n    color: var(--amss-primary);\n    background: linear-gradient(90deg, var(--amss-accent), #D4AF37);\n    border: none;\n    border-radius: 16px;\n    cursor: pointer;\n    transition: transform 0.2s, box-shadow 0.2s;\n  }\n  .amss-calc button:hover {\n    transform: scale(1.03);\n    box-shadow: 0 8px 16px rgba(0,0,0,0.15);\n  }\n  .amss-calc #amss-result {\n    margin-top: 1.5rem;\n    padding: 1rem;\n    background: #fff;\n    border-radius: 16px;\n    box-shadow: inset 0 2px 4px rgba(0,0,0,0.05);\n    text-align: center;\n    font-size: 1.75rem;\n    font-weight: 600;\n    color: var(--amss-primary);\n    opacity: 0;\n    transition: opacity 0.3s;\n    box-sizing: border-box;\n  }\n  .amss-calc #amss-result.visible {\n    opacity: 1;\n  }\n  .amss-calc .amss-quote-btn,\n  .amss-calc .amss-share-btn {\n    display: block;\n    width: 100%;\n    margin-top: 1rem;\n    padding: 0.75rem;\n    font-size: 1.5rem;\n    font-weight: 700;\n    text-align: center;\n    text-decoration: none;\n    border-radius: 16px;\n    transition: transform 0.2s, background 0.2s;\n    box-sizing: border-box;\n  }\n  .amss-calc .amss-quote-btn {\n    color: #fff;\n    background: var(--amss-primary);\n  }\n  .amss-calc .amss-quote-btn:hover {\n    background: var(--amss-secondary);\n    transform: scale(1.02);\n  }\n  .amss-calc .amss-share-btn {\n    color: #fff;\n    background: var(--amss-whatsapp);\n  }\n  .amss-calc .amss-share-btn:hover {\n    background: #128C7E;\n    transform: scale(1.02);\n  }\n  .amss-calc .amss-disclaimer {\n    margin-top: 1rem;\n    font-size: 1.0rem;\n    color: #666;\n    text-align: center;\n  }\n<\/style>\n\n<!-- 2. Calculator Markup -->\n<div class=\"amss-calc\" role=\"region\" aria-label=\"Health Insurance Premium Calculator\">\n  <h2><span class=\"ez-toc-section\" id=\"Estimate_Your_Monthly_Health_Insurance_Premium\"><\/span>Estimate Your Monthly Health Insurance Premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <form id=\"amss-premium-calculator\">\n    <div>\n      <label for=\"amss-age\">Age<\/label>\n      <select id=\"amss-age\"><\/select>\n    <\/div>\n    <div>\n      <label for=\"amss-family\">Family Size<\/label>\n      <select id=\"amss-family\">\n        <option value=\"1\">1<\/option>\n        <option value=\"2\">2<\/option>\n        <option value=\"3\">3<\/option>\n        <option value=\"4\">4<\/option>\n        <option value=\"5\">5<\/option>\n        <option value=\"6\">6+<\/option>\n      <\/select>\n    <\/div>\n    <div>\n      <label for=\"amss-limit\">Inpatient Limit (KES)<\/label>\n      <select id=\"amss-limit\">\n        <option value=\"1000000\">1,000,000<\/option>\n        <option value=\"2000000\">2,000,000<\/option>\n        <option value=\"3000000\">3,000,000<\/option>\n        <option value=\"5000000\">5,000,000<\/option>\n      <\/select>\n    <\/div>\n    <button type=\"submit\">Calculate<\/button>\n  <\/form>\n\n  <div id=\"amss-result\"><\/div>\n  <a href=\"https:\/\/www.amssurity.co.ke\/health-insurance\/quote\" target=\"_blank\" class=\"amss-quote-btn\">\n    Get a More Accurate Quote\n  <\/a>\n  <p class=\"amss-disclaimer\">\n    Disclaimer: All quotes are tentative and subject to underwriting terms.\n  <\/p>\n  <a id=\"amss-share-btn\" class=\"amss-share-btn\" target=\"_blank\" aria-label=\"Share calculator on WhatsApp\">\n    Share on WhatsApp\n  <\/a>\n<\/div>\n\n<!-- 3. Calculator & Share Logic -->\n<script>\n  (function() {\n    \/\/ Populate age dropdown\n    const ageSelect = document.getElementById('amss-age');\n    for (let i = 18; i <= 65; i++) {\n      const opt = document.createElement('option');\n      opt.value = i;\n      opt.textContent = i;\n      ageSelect.appendChild(opt);\n    }\n\n    \/\/ Handle calculation\n    document.getElementById('amss-premium-calculator')\n      .addEventListener('submit', function(e) {\n        e.preventDefault();\n        const age   = +ageSelect.value;\n        const fam   = +document.getElementById('amss-family').value;\n        const limit = +document.getElementById('amss-limit').value;\n\n        const premium = Math.round(age * 25 + fam * 1500 + (limit \/ 1_000_000) * 2000);\n        const resultEl = document.getElementById('amss-result');\n        resultEl.textContent = `Approximate premium: KES ${premium.toLocaleString()}\/month`;\n        resultEl.classList.add('visible');\n      });\n\n    \/\/ Configure WhatsApp share link\n    const shareBtn = document.getElementById('amss-share-btn');\n    const shareText = encodeURIComponent(\n     'I just ran my health insurance premium numbers\u2014super fast! Might help you budget too:\\n' + window.location.href\n    );\n    shareBtn.href = `https:\/\/api.whatsapp.com\/send?text=${shareText}`;\n  })();\n<\/script>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Waiting_Period\"><\/span><strong>1. Waiting Period<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A <strong>waiting period<\/strong> is the time from policy inception until you can claim a specific benefit. It protects insurers from last-minute sign-ups by requiring you to wait before certain treatments are covered.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<style>\n  .waiting-period-table {\n    width: 100%;\n    border-collapse: collapse;\n    font-family: Arial, sans-serif;\n    font-size: 15px;\n    margin: 1.5em 0;\n  }\n\n  .waiting-period-table th {\n    background: #004ab4;\n    color: #fff;\n    padding: 12px 10px;\n    font-weight: 600;\n    text-align: left;\n  }\n\n  .waiting-period-table td {\n    padding: 12px 10px;\n    border: 1px solid #ddd;\n    text-align: left;\n  }\n\n  @media screen and (max-width: 768px) {\n    .waiting-period-table thead {\n      display: none;\n    }\n\n    .waiting-period-table,\n    .waiting-period-table tbody,\n    .waiting-period-table tr,\n    .waiting-period-table td {\n      display: block;\n      width: 100%;\n    }\n\n    .waiting-period-table tr {\n      margin-bottom: 1.2em;\n      border: 1px solid #ddd;\n      border-radius: 6px;\n      background: #fff;\n      box-shadow: 0 2px 4px rgba(0, 0, 0, 0.05);\n      padding: 10px;\n    }\n\n    .waiting-period-table td {\n      border: none;\n      border-bottom: 1px solid #eee;\n      position: relative;\n      padding-left: 50%;\n      min-height: 40px;\n    }\n\n    .waiting-period-table td::before {\n      content: attr(data-label);\n      position: absolute;\n      left: 15px;\n      width: 45%;\n      font-weight: 600;\n      color: #004ab4;\n      font-size: 14px;\n    }\n\n    .waiting-period-table td:last-child {\n      border-bottom: none;\n    }\n  }\n<\/style>\n\n<table class=\"waiting-period-table\">\n  <thead>\n    <tr>\n      <th>Event \/ Illness<\/th>\n      <th>Typical Waiting Period*<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td data-label=\"Event \/ Illness\">Accidents &amp; emergencies<\/td>\n      <td data-label=\"Typical Waiting Period*\">0 days (immediate)<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Event \/ Illness\">Ordinary illnesses (in- &amp; outpatient)<\/td>\n      <td data-label=\"Typical Waiting Period*\">14\u201330 days<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Event \/ Illness\">Cancer treatment<\/td>\n      <td data-label=\"Typical Waiting Period*\">12\u201324 months<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Event \/ Illness\">Declared pre-existing\/chronic\/congenital conditions<\/td>\n      <td data-label=\"Typical Waiting Period*\">12 months<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Event \/ Illness\">Maternity (delivery)<\/td>\n      <td data-label=\"Typical Waiting Period*\">10\u201312 months<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Event \/ Illness\">Infertility treatments<\/td>\n      <td data-label=\"Typical Waiting Period*\">24 months (often excluded)<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Event \/ Illness\">Dental &amp; optical riders<\/td>\n      <td data-label=\"Typical Waiting Period*\">14\u201330 days<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n\n\n\n<p><\/p>\n\n\n\n<p>*Varies by insurer, plan type (individual, SME, corporate) and negotiated waivers. Group schemes often eliminate these delays.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<!-- Amssurity\u2011Scoped WhatsApp CTA with Border & Animation -->\n<style>\n  \/* fade-in + lift *\/\n  @keyframes amssurity-fadeInUp {\n    from { opacity: 0; transform: translateY(20px); }\n    to   { opacity: 1; transform: translateY(0);    }\n  }\n  .amssurity-cta-container {\n    --bg-start:   #ffffff;\n    --bg-end:     #f7fafd;\n    --border-col: #D4AF37;\n    --radius:     0.75rem;\n    background: linear-gradient(135deg, var(--bg-start) 0%, var(--bg-end) 100%);\n    border:        1px solid var(--border-col);\n    box-shadow:    0 4px 12px rgba(0,0,0,0.06);\n    border-radius: var(--radius);\n    padding:       2rem 1.5rem;\n    margin:        2rem 0;\n    text-align:    center;\n    animation:     amssurity-fadeInUp 0.6s ease-out;\n  }\n  .amssurity-cta-header {\n    color:         #004AB4;\n    font-size:     2.0rem;\n    margin-bottom: 1rem;\n    font-weight:   600;\n  }\n  .amssurity-cta-button {\n    display:         inline-flex;\n    align-items:     center;\n    justify-content: center;\n    background-color: #D4AF37;\n    color:            #004AB4;\n    text-decoration:  none;\n    font-weight:      600;\n    font-size:        1.75rem;\n    padding:          0.75rem 1.5rem;\n    border-radius:    0.5rem;\n    box-shadow:       0 4px 10px rgba(0,0,0,0.08);\n    transition:       background-color 0.3s, transform 0.3s, box-shadow 0.3s;\n  }\n  .amssurity-cta-button:hover,\n  .amssurity-cta-button:focus {\n    background-color: #FFCE52;\n    transform:        translateY(-3px);\n    box-shadow:       0 6px 14px rgba(0,0,0,0.15);\n  }\n  .amssurity-cta-button .icon {\n    font-size:    1.5em;\n    margin-right: 0.5rem;\n  }\n  @media (min-width: 768px) {\n    .amssurity-cta-header { font-size: 2.0rem; }\n    .amssurity-cta-button { font-size: 1.75rem; }\n  }\n<\/style>\n\n<div class=\"amssurity-cta-container\">\n  <h3 class=\"amssurity-cta-header\"><span class=\"ez-toc-section\" id=\"Unsure_about_your_waiting_periods\"><\/span>Unsure about your waiting periods?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n  <a href=\"https:\/\/wa.me\/254762065500?text=Hello%20Amssurity%20Insurance%20Agency%2C%20I%27m%20unsure%20about%20my%20waiting%20periods%20and%20would%20like%20a%20personalised%20breakdown.\" class=\"amssurity-cta-button\" aria-label=\"Chat on WhatsApp for a personalised breakdown of your waiting periods\" target=\"_blank\" rel=\"noopener\">\n    <span class=\"icon\">\ud83d\udcac<\/span>\n    Get a personalised breakdown\n  <\/a>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Copay_Co-payment\"><\/span><strong>2. Copay (Co-payment)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A <strong>copay<\/strong> is a fixed fee you pay each time you use certain outpatient benefits\u2014KES 200 for a GP visit, KES 500 for a specialist, or KES 1,000 for a scan. It keeps premiums lower and prevents overuse.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Mandatory on most individual plans.<\/strong> Pay at point of service.<\/li>\n\n\n\n<li><strong>Waivable for SMEs &amp; corporates<\/strong> (with a slight premium bump).<\/li>\n\n\n\n<li><strong>Never applies to inpatient stays<\/strong> unless explicitly stated.<\/li>\n<\/ol>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Insider tip:<\/strong> If you prefer no copays, compare \u201cSME health insurance\u201d quotes\u2014sometimes the premium increase is marginal.<\/p>\n<\/blockquote>\n\n\n\n<p><\/p>\n\n\n\n<style>\n  .video-container {\n    position: relative;\n    width: 100%;\n    max-width: 750px;       \/* desktop width *\/\n    margin: auto;\n    padding-bottom: 53.33%;  \/* 400 \u00f7 750 = 0.5333 \u2192 maintains 750\u00d7400 ratio *\/\n    height: 0;\n    overflow: hidden;\n  }\n  .video-container iframe {\n    position: absolute;\n    top: 0;\n    left: 0;\n    width: 100%;\n    height: 100%;\n    border: 0;\n  }\n<\/style>\n\n<div class=\"video-container\">\n  <iframe\n    src=\"https:\/\/www.youtube.com\/embed\/jm_mzUOKWTM?si=jh5TOS3rERSU_YeP\"\n    title=\"YouTube video player\"\n    allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\"\n    allowfullscreen\n  ><\/iframe>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_SHIF_Contributions_Rebate\"><\/span><strong>3. SHIF Contributions &amp; Rebate<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Under the new Social Health Insurance Fund (SHIF), contributions are income-based and uncapped, with a protective floor:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Salaried employees:<\/strong>\n<ol class=\"wp-block-list\">\n<li><strong>2.75 %<\/strong> of gross monthly salary<\/li>\n\n\n\n<li><strong>Minimum KES 300<\/strong> per month (no upper limit)<\/li>\n\n\n\n<li>Employers deduct and remit by the 9th of the following month.<\/li>\n<\/ol>\n<\/li>\n\n\n\n<li><strong>Non-salaried (household) contributors:<\/strong>\n<ol class=\"wp-block-list\">\n<li><strong>2.75 %<\/strong> of annual household income (paid monthly)<\/li>\n\n\n\n<li><strong>Minimum KES 300<\/strong> per month (no maximum).<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n\n\n\n<p><strong>How it works at discharge:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Hospital bills SHIF first.<\/li>\n\n\n\n<li>Your insurer pays the remaining balance.<\/li>\n\n\n\n<li>If your SHIF registration or contributions are not up to date, you must cover the SHIF portion out of pocket and cannot reclaim it.<\/li>\n<\/ol>\n\n\n\n<p>If your SHIF is inactive, you pay the rebate out of pocket and cannot reclaim it. When shopping for health insurance in Kenya, check whether international covers (e.g., Bupa, Allianz) waive this.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Tip:<\/strong> Confirm your SHIF status on the SHA portal before any admission to avoid unexpected cash payments.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Sub-limit\"><\/span><strong>4. Sub-limit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A <strong>sub-limit<\/strong> caps payouts for certain services <em>within<\/em> your overall inpatient limit. For example, a KES 1 million plan might limit dialysis to KES 250,000 per year. Above that, you pay, even if you still have a core limit remaining.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Watch<\/strong> for sub-limits on ICU, organ transplants, psychiatric care and advanced imaging.<\/li>\n\n\n\n<li><strong>International plans<\/strong> often avoid sub-limits, matching full core limits.<\/li>\n<\/ol>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Action step:<\/strong> Download our [Plan Comparison Spreadsheet] to see sub-limit variations side by side.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Pre-Existing_Conditions\"><\/span><strong>5. Pre-Existing Conditions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A pre-existing condition is any condition you or your doctor knew about <em>before<\/em> buying cover e.g hypertension, asthma or a healed fracture. Local health insurance providers enforce:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>12-month waiting period<\/strong><\/li>\n\n\n\n<li><strong>Dedicated sub-limit<\/strong> (often lower than core limit)<\/li>\n<\/ol>\n\n\n\n<p>SMEs and corporate schemes sometimes negotiate shorter exclusions or higher sub-limits when sourcing health insurance in Kenya.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_Chronic_Conditions\"><\/span><strong>6. Chronic Conditions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Chronic illnesses (diabetes, epilepsy, chronic kidney disease) require lifelong care and can flare up unpredictably. Insurer rules:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Diagnosed within 6 months<\/strong> of cover start \u2192 treated as pre-existing (12-month wait + sub-limit).<\/li>\n\n\n\n<li><strong>Diagnosed after 6 months<\/strong> \u2192 immediate cover up to chronic sub-limit.<\/li>\n<\/ol>\n\n\n\n<p>A chronic condition, as defined by insurance, must meet any of the following characteristics:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Long Duration<\/strong>: Chronic conditions typically last <strong>months to years<\/strong> or even a lifetime. They don\u2019t go away quickly and often require ongoing management.<\/li>\n\n\n\n<li><strong>Slow Progression<\/strong>: These conditions usually develop <strong>gradually over time<\/strong>, rather than suddenly.<\/li>\n\n\n\n<li><strong>Non-communicable<\/strong>: Most chronic conditions, like diabetes or hypertension, are <strong>not spread from person to person<\/strong>.<\/li>\n\n\n\n<li><strong>Require Long-Term Management<\/strong>: They often need <strong>continuous treatment, lifestyle changes, and medical supervision<\/strong> to control symptoms and prevent complications.<\/li>\n\n\n\n<li><strong>Impact Quality of Life<\/strong>: Chronic illnesses can lead to physical, emotional, and social limitations, affecting daily activities and well-being.<\/li>\n<\/ol>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Tip:<\/strong> Keep lab reports &amp; prescriptions to prove diagnosis dates if needed for claims.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_Congenital_Conditions\"><\/span><strong>7. Congenital Conditions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A congenital condition is any structural or functional anomaly present at birth, like cleft palate or Down syndrome, and is covered only:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>After the <strong>12-month waiting period<\/strong><\/li>\n\n\n\n<li>Up to a specific <strong>congenital sub-limit<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Some high-tier international plans cover congenital issues up to the full inpatient limit, but at higher premiums when seeking health insurance in Kenya.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8_Exclusions\"><\/span><strong>8. Exclusions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Every policy lists treatments or situations it will <strong>never<\/strong> cover: Every policy lists treatments or situations it will <strong>never<\/strong> cover:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Self-harm or attempted suicide<\/li>\n\n\n\n<li>Injuries under alcohol\/drug influence<\/li>\n\n\n\n<li>Unapproved cosmetic surgery<\/li>\n\n\n\n<li>Experimental treatments<\/li>\n\n\n\n<li>Most STIs (HIV\/AIDS) are often covered under strict conditions.<\/li>\n<\/ol>\n\n\n\n<p><strong>Must-do:<\/strong> Read the Exclusions page of your health insurance in Kenya policy document before signing.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cost_Snapshot_Premiums_Segments\"><\/span><strong>Cost Snapshot: Premiums &amp; Segments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SHASHIF_Social_Scheme\"><\/span><strong>SHA\/SHIF (Social Scheme)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>KES 300+ \/ month<\/strong> <\/li>\n\n\n\n<li>Public &amp; mission hospitals<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Budget_Private_Plans\"><\/span><strong>Budget Private Plans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>KES 15,000\u2013149,000 \/ year<\/strong><\/li>\n\n\n\n<li>NHIF Category A &amp; B hospitals<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"High-Cost_Local_Plans\"><\/span><strong>High-Cost Local Plans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>KES 150,000\u2013250,000+ \/ year<\/strong><\/li>\n\n\n\n<li>Category A, B &amp; C hospitals (e.g., Aga Khan, Nairobi Hospital)<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"International_Medical_Insurance\"><\/span><strong>International Medical Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>USD 1,000<\/strong>\u20136,000+<strong> \/ year<\/strong><\/li>\n\n\n\n<li>Full private network + evacuation cover<\/li>\n<\/ol>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Quick compare:<\/strong> Best health insurance in Kenya 2025 vs. Affordable private health insurance Kenya.<\/p>\n<\/blockquote>\n\n\n\n<style>\n  .insurance-compare-table {\n    width: 100%;\n    border-collapse: collapse;\n    font-family: Arial, sans-serif;\n    font-size: 15px;\n    margin: 1.5em 0;\n  }\n\n  .insurance-compare-table th {\n    background: #004ab4;\n    color: #fff;\n    padding: 12px 10px;\n    font-weight: 600;\n    text-align: left;\n  }\n\n  .insurance-compare-table th a {\n    color: #ffffff !important;\n    text-decoration: underline;\n  }\n\n  .insurance-compare-table td {\n    padding: 12px 10px;\n    border: 1px solid #ddd;\n    text-align: left;\n  }\n\n  @media screen and (max-width: 768px) {\n    .insurance-compare-table thead {\n      display: none;\n    }\n\n    .insurance-compare-table,\n    .insurance-compare-table tbody,\n    .insurance-compare-table tr,\n    .insurance-compare-table td {\n      display: block;\n      width: 100%;\n    }\n\n    .insurance-compare-table tr {\n      margin-bottom: 1.2em;\n      border: 1px solid #ddd;\n      border-radius: 6px;\n      background: #fff;\n      box-shadow: 0 2px 4px rgba(0, 0, 0, 0.05);\n      padding: 10px;\n    }\n\n    .insurance-compare-table td {\n      border: none;\n      border-bottom: 1px solid #eee;\n      position: relative;\n      padding-left: 50%;\n      min-height: 40px;\n    }\n\n    .insurance-compare-table td::before {\n      content: attr(data-label);\n      position: absolute;\n      left: 15px;\n      width: 45%;\n      font-weight: 600;\n      color: #004ab4;\n      font-size: 14px;\n    }\n\n    .insurance-compare-table td:last-child {\n      border-bottom: none;\n    }\n  }\n<\/style>\n\n<table class=\"insurance-compare-table\">\n  <thead>\n    <tr>\n      <th><strong>Feature<\/strong><\/th>\n      <th><a href=\"https:\/\/www.amssurity.co.ke\/blog\/best-health-insurance-companies-in-kenya\/\" target=\"_blank\" rel=\"noopener noreferrer\">Best health insurance in Kenya 2025<\/a><\/th>\n      <th><a href=\"https:\/\/www.amssurity.co.ke\/blog\/affordable-health-insurance-covers-kenya\/\" target=\"_blank\" rel=\"noopener noreferrer\">Affordable private health insurance Kenya<\/a><\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td data-label=\"Feature\"><strong>Annual Premium Range<\/strong><\/td>\n      <td data-label=\"Best health insurance\">KES 150,000\u2013300,000+<\/td>\n      <td data-label=\"Affordable private insurance\">KES 15,000\u2013149,000<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Feature\"><strong>Hospital Network<\/strong><\/td>\n      <td data-label=\"Best health insurance\">NHIF Categories A, B &amp; C + Aga Khan, Nairobi Hospital<\/td>\n      <td data-label=\"Affordable private insurance\">NHIF Categories A &amp; B only<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Feature\"><strong>Waiting Periods<\/strong><\/td>\n      <td data-label=\"Best health insurance\">Often waived for groups; \u2264 30 days standard<\/td>\n      <td data-label=\"Affordable private insurance\">30 days standard; maternity 10\u201312 months<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Feature\"><strong>Sublimits<\/strong><\/td>\n      <td data-label=\"Best health insurance\">Full core limit on some lines. Strict sublimits on chronic & congenital conditions\n<\/td>\n      <td data-label=\"Affordable private insurance\">Strict sublimits on chronic &amp; congenital conditions<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Feature\"><strong>Outpatient Add-ons<\/strong><\/td>\n      <td data-label=\"Best health insurance\">Dental, optical, wellness checks<\/td>\n      <td data-label=\"Affordable private insurance\">Minimal or copay-based riders<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Feature\"><strong>International Evacuation<\/strong><\/td>\n      <td data-label=\"Best health insurance\">Usually included or available via rider<\/td>\n      <td data-label=\"Affordable private insurance\">Not available (or very high extra premium)<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\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-1752839879725\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Is_maternity_always_a_separate_covered\"><\/span><strong>Is maternity always a separate covered?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, maternity has its waiting period and sub-limit.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1752839881315\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Can_I_add_parents_above_65\"><\/span><strong>Can I add parents above 65?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Some providers allow it, but premiums jump; consider a specialised senior plan.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1752839882660\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Only_if_your_plan_includes_international_evacuation_or_elective_benefits_abroad\"><\/span><strong>Only if your plan includes international evacuation or elective benefits abroad.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Only if your plan includes international evacuation or elective benefits abroad.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1752840139686\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"What_if_I_skip_SHIF\"><\/span><strong>What if I skip SHIF?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You\u2019ll pay the rebate portion yourself for every local hospital stay.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1752840196787\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Are_annual_wellness_check-ups_included\"><\/span><strong>Are annual wellness check-ups included?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Often bundled in high-cost and corporate plans, rarely in budget covers.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1753277323575\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Are_pre-existing_conditions_covered_by_health_insurance\"><\/span><strong>Are pre-existing conditions covered by health insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, pre-existing conditions are covered by health insurance in Kenya, subject to a waiting period 12 months.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Next_Steps\"><\/span><strong>Next Steps<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When evaluating <strong>health insurance in Kenya<\/strong>:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Audit<\/strong> your current plan for hidden sub-limits and waiting periods.<\/li>\n\n\n\n<li><strong>Compare<\/strong> at least three quotes with our free comparison tool.<\/li>\n\n\n\n<li><strong>Verify<\/strong> your NHIF status before visiting the hospital.<\/li>\n\n\n\n<li><strong>Request<\/strong> a personalised quote today to lock in the best rate.<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<!-- Amssurity\u2011Scoped Blue CTA \u2013 Responsive up to 750px -->\n<style>\n  .amssurity-cta-blue {\n    --start: #004AB4;\n    --end:   #0051C3;\n    --radius: 1rem;\n    background: linear-gradient(135deg, var(--start), var(--end));\n    border-radius: var(--radius);\n    padding: 2rem 1rem;\n    box-shadow: 0 8px 24px rgba(0,0,0,0.15);\n    color: #fff;\n    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background: #FFCE52;\n    transform: translateY(-3px);\n  }\n  .amssurity-cta-secondary {\n    background: rgba(255,255,255,0.2);\n    color: #fff;\n  }\n  .amssurity-cta-secondary:hover {\n    background: rgba(255,255,255,0.3);\n    transform: translateY(-3px);\n  }\n  .amssurity-cta-blue p.note {\n    color: #D4AF37;\n    margin-top: 1rem;\n    font-size: 1.25rem;\n    opacity: 0.95;\n  }\n<\/style>\n\n<div class=\"amssurity-cta-blue\">\n  <h3><span class=\"ez-toc-section\" id=\"%F0%9F%93%9E_Call%E2%80%AF%E2%80%AFWhatsApp_Us\"><\/span>\ud83d\udcde Call\u202f\/\u202fWhatsApp Us<span class=\"ez-toc-section-end\"><\/span><\/h3>\n  <div class=\"amssurity-cta-buttons\">\n    <a href=\"https:\/\/wa.me\/254762065500?text=Hi%20Amssurity%20Insurance%20Agency,%20I%20have%20a%20question%20about%20waiting%20periods.\" class=\"amssurity-cta-primary\" target=\"_blank\" rel=\"noopener\" aria-label=\"Call or WhatsApp +254\u202f762\u202f065\u202f500\">\n      \ud83d\udcac +254\u202f762\u202f065\u202f500\n    <\/a>\n    <a href=\"https:\/\/www.amssurity.co.ke\/health-insurance\/quote?utm_source=blog&#038;utm_medium=cta&#038;utm_campaign=free-quote\" class=\"amssurity-cta-secondary\" target=\"_blank\" rel=\"noopener\" aria-label=\"Get your free quote now\">\n      \ud83d\udcdd Get your free quote now\n    <\/a>\n  <\/div>\n  <p class=\"note\">We\u2019ll reach out within one business hour.<\/p>\n<\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><\/p>\n\n\n\n<p>Amssurity Insurance Agency\u2014making <strong>health insurance in Kenya<\/strong> simple, transparent and tailored to you.<\/p>\n<\/blockquote>\n\n\n\n<p><\/p>\n\n\n<div class=\"wpforms-container wpforms-container-full wpforms-block wpforms-block-cf3debda-39ca-4337-81f3-f6541cf61e0b wpforms-render-modern\" id=\"wpforms-1057\"><form id=\"wpforms-form-1057\" class=\"wpforms-validate wpforms-form wpforms-ajax-form\" data-formid=\"1057\" 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name=\"wpforms[fields][14][time]\" aria-errormessage=\"wpforms-1057-field_14-time-error\" required><label for=\"wpforms-1057-field_14-time\" class=\"wpforms-field-sublabel after\">Time<\/label><\/div><\/div><\/fieldset><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-recaptcha-container wpforms-is-recaptcha wpforms-is-recaptcha-type-v3\" ><input type=\"hidden\" name=\"wpforms[recaptcha]\" value=\"\"><\/div><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"1057\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/89\"><input type=\"hidden\" name=\"url_referer\" value=\"\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-1057\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Submit\" aria-live=\"assertive\" value=\"wpforms-submit\">Submit<\/button><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.amssurity.co.ke\/blog\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-submit-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\"><\/div><\/form><\/div>  <!-- .wpforms-container -->\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Navigating health insurance in Kenya can be overwhelming, especially when brokers and agents use industry jargon. This 2026 guide not [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":521,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[2],"tags":[13,12,5,34,33,24,31,14,10,35,25,23,41,37,36],"class_list":["post-89","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance-in-kenya","tag-amssurity","tag-amssurity-insurance-agency","tag-health","tag-health-insurance-companies","tag-health-insurance-in-kenya","tag-healthcare-in-kenya","tag-insurance-agents-in-kenya","tag-insurance-companies-in-kenya","tag-insurance-in-kenya","tag-madison-insurance","tag-medical-insurance-companies-in-kenya","tag-medical-insurance-in-kenya","tag-nhif","tag-resolution","tag-uap-old-mutual-insurance"],"modified_by":"Agnes Mukulu","_links":{"self":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/89","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\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/comments?post=89"}],"version-history":[{"count":24,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/89\/revisions"}],"predecessor-version":[{"id":3397,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/89\/revisions\/3397"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/media\/521"}],"wp:attachment":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/media?parent=89"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/categories?post=89"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/tags?post=89"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}