Best Insurance Companies to Take Medical Cover in Kenya

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We provide a list of best insurance companies to take a medical in Kenya

  1. Jubilee Insurance

Jubilee Insurance tops the list of insurance companies offering medical cover in Kenya. The company’s medical cover is dubbed JCare and covers both inpatient and outpatient services.

Most Kenyans trust this company because their cover is comprehensive and has a wide range of hospitals you can visit when you are sick.

  1. APA Insurance

APA Insurance is widely accepted by individuals and corporates who find the need to have a medical cover. Many clients have good review of this company, which has also Asset Management and Pension Scheme products.

Scope of Cover

Inpatient Cover: Minimum Kshs.100, 000 to a maximum 5,000,000

Inpatient cover provides for medically necessary hospital bed charges, doctor’s bills, anesthetist’s bills, operating theatre fees, ICU expenses, day surgery, physiotherapy pharmacy, laboratory and investigations reasonably incurred by an insured member. Local road and air evacuation is also included. This cover will be on credit facility with our providers.

Outpatient: Limit of cover offered: Kshs. 30,000 to 300,000

Outpatient cover provides for medically necessary consultation fees, investigatory procedures (laboratory & radiology), and referral to specialists, pharmacy and dressings Cover will be on credit facility basis with our providers and on 80% re-imbursement.

Dental: Limit of cover offered: Kshs. 10,000 to 30,000

This provides for: Cost of fillings, X-rays, Extractions including surgical extraction together with anesthetics fees

Optical: Limit of cover offered: Kshs. 10,000 to 30,000

This provides for the cost of eyeglasses and eye testing.

Maternity

This benefit shall cover Delivery fees, consultation and treatment for both mother and child only during the period of confinement in hospital.

Costs for miscarriages and abortions may be covered, provided they are certified by a gynecologist as being necessary to save the life of the mother.

This benefit is only available to staff/spouse

  1. Heritage Insurance

Heritage insurance specializes on Health Insurance. The company has provided medical cover services to thousands of happy clients and it got excellent review.

The company’s health products include:

BLUE Health Cover is a suite of health insurance products offering a comprehensive set of health benefits to employer groups in Kenya and across the continent of Africa.
Heritage Insurance BLUE products cater for healthcare needs across a number of different income brackets to ensure the most comprehensive cover at affordable rates.
BLUE CORE
A core option which offers in–country cover to families living in Kenya for Hospitalisation, Chronic Care and Major diseases. Outpatient benefits are not available under this option. This option is suitable for young and healthy populations who do not require outpatient care but would like the security of knowing that major inpatient events are taken care of.
BLUE LITE
An option which offers cover to families living in Kenya for outpatient treatment, hospitalisation, chronic care and major disease benefits. This benefit is suitable for members who are based in Kenya and wish to take care of essential health care needs.
BLUE CLASSIC
A core option which offers more comprehensive cover within greater East Africa (Kenya, Uganda, Tanzania, Rwanda, Burundi and Southern Sudan) for outpatient treatment, hospitalization, chronic care and major disease benefits. This option also includes international emergency evacuation and is suitable for members who travel frequently within the East African Region

  1. Resolution Insurance

Resolution Insurance is trusted by over 5,000 individuals and corporates that have health covers at the insurance.

The insurance’s health cover plans cater for individuals and corporates. Each plan has inpatient and outpatient services.

Individual outpatient plan

Members will access their Out-patient Services from the Resolution Insurance Enhanced Medical Provider List

Outpatient Plan Annual Limit
Plan 150 Kshs 150,000
Plan 100 Kshs 100,000
Plan 75 Kshs 75,000
Plan 50 Kshs 50,000
Plan 35 Kshs 35,000

 

Individual inpatient plan

o                                            Premier Plus Plan – Annual Limit Kshs 10,000,000

o                                            Premier Plan – Annual Limit Kshs 5,000,000

o                                            Executive Plan – Annual Limit Kshs 2,500,000

o                                            Superior Plan – Annual Limit Kshs 2,000,000 (Kshs 1,000,000 Illness, Kshs 1,000,000 Accident)

o                                            Advantage Plan – Annual Limit Kshs 1,500,000 (Kshs 500,000 Illness, Kshs 1,000,000 Accident)

Corporate cover

Inpatient plans

Premier Plus Plan- Annual Limit Kshs 10 Million

Premier Plan – Annual Limit Kshs 5 Million

Executive Plan – Annual Limit Kshs 2.5 Million

Superior Plan – Annual Limit Kshs 2,000,000 (Kshs 1,000,000 Illness, Kshs 1,000,000 Accident)

Advantage Plan – Annual Limit Kshs 1,500,000 (Kshs 500,000 Illness, Kshs 1,000,000 Accident)

Outpatient plans

Outpatient Plan Annual Limit
Plan 150 Kshs 150,000
Plan 100 Kshs 100,000
Plan 75 Kshs 75,000
Plan 50 Kshs 50,000
Plan 35 Kshs 35,000

If you need a medical cover in Kenya, these are the insurance companies to approach

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