• By Raymond Momanyi

Mama Grace vs Papa Onyango: Who Survives Medical Bills in Old Age?

The Story: Two Families, Two Paths

Meet Mama Grace, a 65-year-old retired teacher living in Nairobi. Her children, now working professionals, decided to get her a Senior Citizen Health Insurance cover through Imana Insurance Agency Kenya Ltd. She enjoys peace of mind — she visits the doctor without stress, her medicines are covered, and when she was admitted for surgery last year, the insurance footed the bill. No fundraising, no sleepless nights for her children.

On the other side is Papa Onyango, a 70-year-old farmer in Kisumu. He never thought he needed health insurance. One rainy evening, he collapsed and was rushed to a private hospital. The doctors said he needed urgent surgery costing KSh. 450,000. His family panicked. Within hours, WhatsApp groups were created: “Changa for Papa Onyango’s Surgery.” Land was mortgaged, goats were sold, children borrowed loans. The financial strain broke the family apart.

The Reality in Kenya

This is not fiction — this is the daily reality for thousands of Kenyan families.

• Medical emergencies don’t announce themselves.
• Senior citizens are the most vulnerable.
• Without insurance, one sickness can turn into a financial funeral.

What Senior Citizen Health Insurance Offers

For as little as KSh. 20,000 annually, seniors like Mama Grace enjoy:

• Inpatient cover: up to KSh. 500,000 – 1,000,000.
• Outpatient cover: up to KSh. 75,000 annually.
• Dental & optical add-ons: because health is more than hospital beds.
• Chronic illness support: diabetes, hypertension, cancer (with limits).
• Emergency evacuation: when time is life.

💡 And the best part? Some packages come with no medical check-up and no waiting period.

NHIF Alone is Not Enough

Yes, NHIF (SHA/SHIF) helps — but it’s limited mostly to public hospitals and basic treatment. Pairing it with private senior citizen medical insurance gives your parents access to top hospitals like Aga Khan, MP Shah, Nairobi Hospital, Karen, and Avenue.

👉 The winning formula = NHIF + Private Cover.

Why Choose Imana Insurance?

At Imana Insurance Agency Kenya Ltd, we’ve walked this road with countless families. We know the tears of Papa Onyango’s children, and we’ve witnessed the relief in Mama Grace’s family. That’s why we make the process simple:

1. Share your parent’s age & budget.
2. Compare options across top insurers (Britam, Jubilee, GA, UAP, AAR, etc.).
3. Pay via M-Pesa.
4. Get your insurance card — and peace of mind.

The Hard Truth

One day, your parents will need hospital care. The question is:

• Will you be scrambling to create a WhatsApp group for harambee?
• Or will you smile, knowing the insurer has it covered?

Conclusion: Protect Their Golden Years

Don’t let your parents’ final chapters be filled with medical debt and family quarrels. Let them enjoy their retirement with dignity.

At Imana Insurance, we call it: Golden Years, Golden Health.

🌐 www.imana.co.ke | www.mykava.co.ke

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

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