• By Raymond Momanyi

Medical Insurance in Kenya: Affordable Health Cover for Families & Individuals

Why Medical Insurance is a Lifeline in Kenya

Every Kenyan knows the story — one hospital admission, one surgery, one accident, and your savings are gone. Medical costs keep rising, and a single family hospitalization can wipe out years of hard work.

At Imana Insurance Agency Kenya Ltd, we exist to stop that cycle. We partner with top insurers in Kenya and East Africa to provide affordable, reliable, and flexible health insurance options. Whether you’re a young professional, a single parent, a corporate employee, or a senior citizen, we help you Compare, Save & Buy the right medical cover.

But first, let’s answer the big question: What types of medical insurance covers are available in Kenya, and which one should you choose?

Types of Medical Insurance in Kenya

1. Inpatient Cover

This is the backbone of health insurance. It pays for hospital stays, surgeries, and treatment when you’re admitted.

• Covers: Bed charges, doctors’ fees, surgeries, ICU, maternity (if included).
• Best for: Major illnesses, accidents, surgeries.

💡 Example: If James is hospitalized for appendicitis surgery costing KSh. 300,000, his inpatient cover foots the bill.

2. Outpatient Cover

Handles medical expenses when you’re not admitted.

• Covers: Doctor consultations, lab tests, X-rays, drugs.
• Best for: Families with kids (flu, checkups, emergencies).

💡 Example: Selina takes her 3 sons for flu treatment. Instead of paying KSh. 8,000 cash, her outpatient card is swiped.

3. Maternity Cover

Specialized package for expectant mothers.

• Covers: Delivery (normal or C-section), prenatal & postnatal care.
• Best for: Couples planning a baby.

💡 Example: Diana pays KSh. 2,500 monthly for a maternity add-on. At delivery, her insurer pays the KSh. 150,000 C-section bill.

4. Chronic & Pre-existing Conditions Cover

Some policies cover long-term illnesses like diabetes, hypertension, cancer.

• Covers: Specialized treatment, drugs, dialysis, chemo (with limits).
• Best for: Families with chronic illness cases.

5. Dental & Optical Add-ons

• Dental: Check-ups, scaling, fillings, extractions.
• Optical: Eye tests, glasses, treatment.

6. Senior Citizen Cover

Tailored for parents and retirees.

• Features: No medical check-up, no waiting period (for some plans).
• Age Band: 50–80+ years.

💡 Example: Mama Grace, age 65, gets a microhealth plan with KSh. 500,000 inpatient and KSh. 75,000 outpatient — no stress of medical exams.

Cost of Medical Insurance in Kenya

Premiums vary based on age, family size, and benefits:

• From as low as KSh. 10,000 per year per person.
• Family covers start from KSh. 35,000 annually.
• Corporate & SME packages from KSh. 20,500 per employee annually.

Why Buy Medical Insurance from Imana Insurance Agency

• ✅ Compare multiple insurers at once (AAR, Jubilee, Britam, GA, UAP, etc.).
• ✅ Transparent pricing — no hidden costs.
• ✅ Covers tailored for individuals, families, SMEs, and corporates.
• ✅ Easy online process — WhatsApp, Pay, Get your card.
• ✅ Claims support when you need it most.

Medical Insurance vs NHIF in Kenya

• NHIF (SHA/SHIF): Good for basic cover in public hospitals.
• Private Insurance: Wider network (Aga Khan, Nairobi Hospital, MP Shah, Avenue), more benefits, faster claims.

💡 Tip: Many Kenyans combine NHIF with private insurance for full protection.

Conclusion: Health is Wealth

Without medical cover, one accident or illness can push a family into debt. With it, you buy peace of mind.

At Imana Insurance Agency Kenya Ltd, we’ll help you find a cover that fits your budget and lifestyle.

👉 Don’t wait for a medical emergency. Compare, Save, and Buy today.

🌐 www.imana.co.ke | www.mykava.co.ke

📲 WhatsApp: +254796209402 | 0745218460
📍 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi

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