• By Raymond Momanyi

Micro Health Insurance for SMEs in Kenya: Covering Your Employees from KSh. 20,500

The SME Struggle in Kenya

Running an SME in Kenya isn’t for the faint-hearted. You juggle payroll, taxes, suppliers, competition, and sometimes even unpredictable politics. But one of the biggest silent killers of productivity is employee health.

Think about it:

• One sick employee = missed deadlines.
• One hospital admission = staff morale dips.
• One medical bill = financial strain, sometimes even resignations.

That’s why micro health insurance for SMEs is not a luxury anymore — it’s a smart investment. At Imana Insurance Agency Kenya Ltd, we help small and medium businesses protect their staff with affordable health packages starting from just KSh. 20,500 per employee annually.

What is Micro Health Insurance for SMEs?

It’s a tailored medical insurance package designed specifically for small and medium enterprises. Unlike big corporate policies that demand high premiums and large staff numbers, micro health insurance is:

• ✅ Affordable
• ✅ Flexible
• ✅ Accessible to SMEs with as few as 3 employees

What Does It Cover?

1. Inpatient Cover

• Hospital admissions, surgeries, specialist treatment, ICU.
• Typical limits: KSh. 500,000 – 1,000,000 per employee annually.

2. Outpatient Cover

• Doctor visits, lab tests, X-rays, drugs.
• Great for day-to-day staff wellness.

3. Maternity Cover (Optional)

• Prenatal, delivery, and postnatal care for employees and their spouses.

4. Chronic Illnesses

• Diabetes, hypertension, cancer, and other pre-existing conditions (depending on policy).

5. Dental & Optical Add-Ons

• Regular check-ups, extractions, glasses, and lenses.

Why Should SMEs Invest in Health Insurance?

1. Protect Your Team, Protect Your Business
   Healthy employees = fewer sick days + higher productivity.
2. Boost Morale and Loyalty
   Medical cover is one of the most valued employee benefits. Staff who feel protected are less likely to jump ship.
3. Financial Security
   Hospital bills can bankrupt SMEs if employees look to the business for help. Insurance absorbs that risk.
4. Compliance & Reputation
   SMEs with proper benefits attract top talent and build stronger brands.

Cost of SME Medical Insurance in Kenya

• From KSh. 20,500 per employee annually (basic package).
• More comprehensive packages range KSh. 30,000 – 60,000 annually per employee.
• Flexible plans allow employers to choose inpatient-only, outpatient-only, or combined.

💡 Example: An SME with 10 employees pays ~KSh. 205,000 annually for basic cover — that’s less than a single major hospital admission bill for one staff member.

NHIF vs Private SME Health Insurance

• NHIF: Mandatory, but limited in benefits and hospital options.
• Private Insurance: Wider hospital network, higher limits, and faster service.
  👉 Best strategy = combine NHIF + Private Micro Health Cover for full protection.

Why SMEs Choose Imana Insurance

• ✅ Access to leading insurers (Britam, Jubilee, GA, UAP, AAR, etc.)
• ✅ Tailored packages for businesses of all sizes.
• ✅ Transparent pricing and flexible options.
• ✅ Claims support — no SME owner wants to fight insurance battles alone.
• ✅ WhatsApp-friendly processes — quote, pay, and activate in minutes.

How to Get SME Medical Insurance

1. Share employee list + ages.
2. Get comparison quotes from top insurers.
3. Choose your package (inpatient, outpatient, or combined).
4. Pay via M-Pesa/Bank.
5. Employees get their insurance cards and can access care immediately.

Conclusion: Invest in People, Reap the Rewards

Your staff are your biggest asset. Protect them, and they’ll protect your business. With Micro Health Insurance for SMEs in Kenya, you can provide peace of mind at just KSh. 20,500 per employee per year.

At Imana Insurance Agency Kenya Ltd, we’ll help you compare, save, and secure the best SME health insurance cover for your team.

👉 Healthy staff = healthy business.

🌐 www.imana.co.ke | www.mykava.co.ke

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

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