Best Hospital Cover In Kenya

What is a Hospital Cover?

Hospital cover helps with the costs of treatment as a private patient in the hospital. If you have private hospital cover, you can choose to be treated as a private patient in a public hospital, private hospital, or day hospital facility. On this page. Hospital services. In-hospital doctor and specialist services.

Best Hospital Cover In Kenya

AAR Insurance

One of the more famous companies when it comes to medical insurance in Kenya is the AAR health insurance plan. AAR Health insurance packages are:

AAR health insurance packagePackage LimitBest Outpatient
Cover MeKsh. 500,000 illness
Ksh. 500,000 accident
Best matched with Ksh. 50,000
BronzeKsh. 1,000,000 illness
Ksh. 2,000,000 accident
Best matched with Ksh. 50,000-75,000
SilverKsh. 2,000,000 illness
Ksh. 4,000,000 accident
Best matched with Ksh. 50,000-100,000
Silver PlusKsh. 4,000,000 illness
Ksh. 8,000,000 accident
Best matched with Ksh. 50,000-150,000
GoldKsh. 10,000,000 illness
Ksh. 10,000,000 accident
Best matched with Ksh. 50,000-200,000
PlatinumKsh. 20,000,000 illness
Ksh. 20,000,000 accident
Best match with Ksh. 50,000-250,000

AAR medical insurance rates in Kenya

When it comes to the cost of AAR medical insurance in Kenya, it is important to know that, the total cost will depend on:

  1. Age: the older you are the more you pay in premiums
  2. Limit of inpatient and outpatient you take. The higher the limits the higher the cost
  3. Family size: the larger the family the higher the premiums.

Assuming a family of 4 members, AAR medical insurance rates start from Ksh. 42,000 a year. The AAR medical insurance in Kenya costs are as below:

AAR insurance packagesCost as from
Cover MeKsh. 16,361/-
BronzeKsh. 18,148/-
SilverKsh. 21,619/-
Silver PlusKsh. 28,009/-
GoldKsh. 56,702/-
PlatinumKsh. 116,797/-

What makes AAR health insurance plans unique?

  1. Maternity insurance forms part of inpatient therefore you don’t pay extra.
  2. Dental and optical insurance form part of outpatient and they are covered up to 10% of the outpatient limit
  3. The separation between inpatient accident cover and illness cover gives it a competitive edge
  4. AAR Inpatient cover only is quite affordable for individuals below 50 years old.
  5. AAR insurance offers a no-claim discount from the third year as long as you don’t claim
  6. Offers low copayment to tier 1 hospitals

Jubilee Health Insurance

Jubilee Medical Insurance in Kenya has the biggest market share of almost 10%. This makes Jubilee health insurance a household name in Kenya when it comes to health insurance. Jubilee health insurance plans include:

  1. J-Care: This is designed for individuals between 18 -65 years
  2. J-seniors: This is for individuals aged 66-79 years.
  3. J-Care Juniors: This is designed for children between 0-17 years old.

Jubilee insurance medical cover packages are as shown:

Jubilee insurance medical cover packagesInpatient LimitBest outpatient limit
Classic LimitKsh. 500,000Ksh. 50,000
PremierKsh. 1,00,000Ksh. 50,000
AdvancedKsh. 2,000,000Ksh. 80,000
ExecutiveKsh. 3,000,000Ksh. 100,000
RoyalKsh. 5,000,000Ksh. 150,000
PlatinumKsh. 10,000,000Ksh. 200,000

Jubilee insurance medical cover rates

Jubilee health insurance cost and premium rates assuming a family of 4 start from Ksh. 51,000, for kids only Ksh. 19,000 per child and Ksh. 52,000 per senior citizen. Please note that this is inpatient only as it’s the mandatory cover to have for any medical insurance in Kenya.

Type of Jubilee Insurance health packageCost as from
J-CareKsh. 18,743/-
J-SeniorsKsh. 18,743/-
J-JuniorKsh. 51,905/-

What makes Jubilee medical insurance in Kenya unique?

  1. High levels of dental and optical cover limits for individuals up to Ksh. 50,000 each
  2. Copayment in only two hospitals: M Shah and Nairobi Hospitals for outpatient
  3. An option to buy out the copayment from point 2 above for individual clients and families
  4. Well-negotiated and affordable medical examination costs for individuals above 50 years seeking to get their coverage.

Britam Medical Cover

Britam health insurance in Kenya is one unique product due to the way in which they have structured their medical coverage. It is subdivided into 4 main Britam insurance packages as discussed below. It also helps bring out the way health insurance at Britam is.

How does Britan insurance work?

  1. Advantage: This is a high-cost cover with unrestricted hospital access to all medical insurance providers. It provides for critical illnesses only at the 10M and 5M inpatient cover limits only. It also covers chronic, congenital, and pre-existing conditions to the full limit
  2. Premier: It has similar hospital access to the advantage plan including cover for critical illness cover only to the 5M and 10M inpatient limit only. Chronic, congenital, and pre-existing conditions are subject to sub-limits defined in the British medical insurance policy.
  3. Essential 1: Hospital access is restricted to Tier 2 and 3 as defined by Britam Insurance. No coverage is provided for critical illnesses while chronic, congenital, and pre-existing conditions are covered according to the sub-limits
  4. Essential 2: Hospital coverage is restricted to Tier 3 as defined under the British health insurance policy. No cover is provided for critical illness while chronic, congenital, and pre-existing covered are covered according to the sub-limits.

How much is Britam’s health insurance?

Considering the various health insurance plans that Britam Insurance has to offer, the four variations of Britam’s health mile insurance plan start as below:

Type of Britam Health Insurance planCost as from
AdvantageKsh. 17,332/-
PremierKsh. 11,099/-
Essential 1Ksh. 9,001/-
Essential 2Ksh. 8,127/-

How to join Britam’s health milele insurance plan?

Just like any other medical insurance in Kenya provider, you will need:

  1. Copy of ID/passport
  2. Copy of KRA pin
  3. Be of age 18-75 years
  4. Medical examination for new members join aged 55 years and above
  5. Have NHIF in place