Medical & Health Insurance

Medical & Health

Cover that works when you’re sick.

Individual, family, and group health covers — inpatient, outpatient, maternity, and dental. We compare every medical underwriter in Kenya so you get the best coverage at the right premium.

Whatsapp for a quote
Explore All Solutions

Get a Medical Quote

Individual, family, or group, we'll find the right cover.


Radical transparency

What’s covered. What’s not.

Covered (comprehensive plan)

Inpatient hospitalisation

surgical, medical, and specialist ward stays

Outpatient consultations

GP visits, specialist referrals, diagnostics

Maternity — normal and C-section delivery

including antenatal care (waiting period applies)

Dental and optical

routine check-ups, fillings, frames (depends on plan level)

Emergency evacuation

air ambulance and medical repatriation

Last-expense

funeral and last expense benefit (most group schemes)

Not covered (standard policy)

Pre-existing conditions

excluded or subject to a waiting period (varies by underwriter — ask us)

Cosmetic and elective procedures

unless medically necessary following an accident

Experimental treatments

procedures not recognised by standard medical practice in Kenya

Substance abuse rehabilitation

unless specifically added as a rider

Self-inflicted injuries

claims arising from deliberate self-harm are excluded

Medical FAQS

Can I get cover with a pre-existing condition?

Yes, some underwriters offer cover with a waiting period (typically 12 months) or a premium loading. Others exclude the condition outright. Knowing which underwriter suits your specific condition is exactly what we do. Share your situation with us and we’ll advise honestly.

What is a pre-authorisation and how do I get one?

A pre-authorisation (pre-auth) is the insurer’s approval for a planned procedure before you’re admitted. Call or WhatsApp us as soon as you know you need hospitalisation, we will obtain the pre-auth on your behalf within hours, not days.

Does the cover include international treatment?

Select plans include regional (East Africa) or international cover. If you travel frequently or want the option of treatment abroad, tell us, we will identify underwriters with suitable international or evacuation benefits.