What is a Health insurance?
Health insurance is an agreement in which an insurance company agrees to pay for some or all of your medical expenses in exchange for a monthly premium payment.
Best Health insurance in Kenya
1. First Assurance Company Limited
This company is among the best medical insurance companies in Kenya. First Assurance Company Ltd came into existence after the exit of Prudential Assurance Ltd. The company’s mantra is ‘insure, secure and assure.’
To show how efficient this company was in 2018, it was recognized by the 27th International Europe Award for Quality.
Under its medical insurance cover, it offers a wide variety of products with different cost values. These medical cover values are between Kes.200,000 to Kes. 2500,000.
2. G.A. Insurance Ltd
GA Insurance offers its services in both Kenya and Tanzania. This company has been in the Kenyan market for over 50 years.
Additionally, apart from offering medical insurance covers, the company also underwrites other risk classes. Some of the products offered under its medical insurance cover include:
- Surgicare – shoulders the financial burden of surgical expenses related to heart, cancer, vascular, orthopedic, and Kes. 20M.
- G.A. assist – Covers medical evacuation emergencies
3. AAR Insurance Africa
AAR Insurance Africa has a presence in three East African countries. These are Kenya, Uganda, and Tanzania.
The company has products under the family and personal medical cover for peace of mind. It’s worth noting that this insurance company is primarily for health insurance.
Furthermore, it has its health centers or hospitals, which its subscribers could opt to visit for treatment.
Therefore making it one of the best medical insurance companies in Kenya. Some of the products offered under this cover include:
- Individual and Family medical plans
- Business Enterprise medical plan
- Doctor’s indemnity cover
4. Heritage Insurance Company
Heritage Insurance provides short-term insurance coverage. Its unique client offerings and outstanding claims settlement have gunned customer confidence over the years.
Under its medical insurance cover offers various products such as Heritage Flexi, Blue Cover, Blue Core, Blue Lite, and Blue Classic. These product offerings have different specifications to meet diverse customer needs.
5. Allianz Insurance Company Ltd
Allianz Kenya is part of the Allianz Group, a worldwide leader in insurance and Asset Management.
The company has a presence in more than 70 countries worldwide, making it one of Kenya’s best medical insurance companies.
Due to its extensive global footprints, Allianz Kenya has unrivaled Knowledge and expertise in underwriting all risk classes.
The other unique thing about its cover is that you can buy its medical cover online from its website. Its medical cover is significantly diversified as it has the following services:
- Inpatient and outpatient cover
- Maternity costs
- Dental cover
- Optical treatment
- Emergency assistance
6. APA Insurance
APA Insurance is a merger of Apollo Insurance Company and Pan Africa General Insurance. This company is one of a kind as it targets both long-term and short-term insurance. Under its medical insurance cover, it has three main products:
- Health corporate – for companies with more than ten people
- Femina – Covers women’s needs
- Jamii Plus and Afya Nafuu – For families and individuals
British-American Insurance Company (Britam) is part of the British-American Investments Company Limited. The company is listed on the Nairobi Securities Exchange (NSE).
This company is the leading provider of the best medical insurance covers in Kenya today. The company has a variety of products under its medical insurance cover all over Kenya.
8. CIC Group
CIC Group offers flexible and innovative insurance products to Kenyans for over three decades now.
Like Britam, the CIC Group has been listed on the Nairobi Stock Exchange Market, reporting a 62% annual growth.
The company has a wide range of other products away from offering health insurance coverage. Such products include; general insurance, life assurance, asset management, and CIC pension.
Additionally, Under the health insurance cover, the company has three major subdivisions:
- CIC measure corporate
- The CIC measure family
- CIC Medipak insurance
9. Kenindia Assurance Company Limited
Kenindia Insurance resulted from a merger of various Indian insurance companies in 1978. Under Kenindia Medical cover, there are three major products. Such are explained below:
- Health save plan
- Corporate health plan
- Individual/Family plan
10. Kenyan Alliance Insurance Company Ltd
The Kenya Alliance Insurance Company has been present in the Kenyan market for more than one century but was incorporated into its current identity in 1980.
Kenyan Alliance Insurance has evolved into one of Kenya’s most financially sound composite insurance companies.
Moreover, the company has a regional presence in Mombasa, Nakuru, Kisumu, Karatina, Meru, Thika, Machakos, Kitui, Westlands, Kitengela, Industrial Area, and Kakamega.
The health insurance coverage for Kenyan Alliance insurance has three significant plans: a corporate health plan, SME plan, and a family package plan.
11. Madison Insurance
This is a Kenyan insurance company that has been in operation since 1988. Madison Insurance Company provides comprehensive life and health insurance coverage to its clients. It is privately owned as a limited company.
Its Medical cover is known as Alpha Health and is subdivided into individual, family, and budget plans. Madison Insurance has a specific medical cover for private school support staff known as KPSA.
12. Jubilee Insurance
Jubilee Insurance is one of the leading insurance companies in Kenya, offering Medical insurance in Kenya.
The company has a presence in Kenya, Uganda, Tanzania, and Rwanda. The health insurance coverage provided by Jubilee covers people regionally.
Is there health insurance in Kenya?
Healthcare in Kenya isn’t entirely free. In 2013, Kenya launched the National Hospital Insurance Fund (NHIF). This universal healthcare program provides health insurance for Kenyan citizens to access essential medical services for free in most public health centres.
How much do you pay for health insurance in Kenya?
AAR medical insurance rates in Kenya
|AAR insurance packages
|Cost as from
How does health insurance work in Kenya?
The National Hospital Insurance Fund is a government-run medical insurance service, developed to offer universal healthcare for all Kenyans.
All employed persons in Kenya are required to be members of the fund. Lifestyle – to decide on the amount of sum assured you need to have in your policy.