Find the right health insurance
Stories and information to help you plan, prepare and protect what matters most.
Is a comprehensive family medical insurance cover designed to provide you and your family with the highest level of protection.
Which health insurance is right for you?
Key Features
Benefits
Key Features
- Personal Coverage: Provides health insurance for an individual, typically the policyholder.
- Customization: Allows policyholders to choose a plan that best suits their specific healthcare needs and budget.
- Portability: Remains with the individual, regardless of changes in employment or location.
- Comprehensive Coverage: Includes a range of medical services, such as doctor visits, hospital stays, prescription drugs, and preventive care.
- Premiums: The cost is based on the individual’s age, health, and the chosen coverage options.
- Deductibles and Copayments: Policyholders may have out-of-pocket costs, such as deductibles and copayments.
- Provider Network: May require using specific healthcare providers within a network to maximize cost savings.
Benefits
- Coverage for Multiple Members: Extends coverage to the policyholder’s spouse and dependents (e.g., children).
- Convenience: Simplifies the management of health insurance for the entire family under a single policy.
- Cost Savings: Often more cost-effective than purchasing separate individual policies for each family member.
- Family Deductibles: May have a family deductible that combines individual deductible amounts within the family.
- Maternity Coverage: Typically includes maternity and newborn care for growing families.
- Pediatric Care: Covers a range of children’s healthcare needs, including well-child visits and immunizations.
- Preventive Care: Encourages regular check-ups and screenings for the entire family.
The main types of health insurance in Kenya include:
- Individual Health Plans: Covers a single person’s medical expenses.
- Family Health Plans: Covers medical expenses for the entire family under a single policy.
- Group/Corporate Health Plans: Often provided by employers, covering employees and sometimes their dependents.
- Inpatient and Outpatient Plans: Inpatient covers hospitalization costs, while outpatient covers consultations, tests, and medication without hospitalization.
Premiums vary based on:
- Coverage Type: Plans with inpatient, outpatient, maternity, and specialized services generally cost more.
- Age and Health Condition: Older individuals or those with pre-existing conditions may have higher premiums.
- Number of Beneficiaries: Family plans covering multiple people have higher premiums than individual plans.
- Coverage Limits and Benefits: Higher coverage limits or additional benefits (e.g., dental or vision) may increase premiums.
Coverage for pre-existing conditions varies by insurer. Some insurers may cover pre-existing conditions after a waiting period, while others may exclude certain conditions altogether. NHIF and a few private insurers offer some coverage for chronic conditions such as diabetes, hypertension, and cancer, but it’s essential to check specific policy details.
Consider these factors:
- Coverage Needs: Look at the specific benefits you need, like maternity, chronic condition coverage, or dental.
- Hospital Network: Check if the insurer partners with reputable hospitals or those in your area.
- Claim Process: Choose an insurer with a simple, quick claim process.
- Premiums and Coverage Limits: Compare plans to find one that fits your budget and offers adequate coverage.
- Waiting Periods: Some services may have waiting periods, so factor this in if you need immediate coverage.
- Standard health insurance policies often cover:
- Inpatient Services: Hospitalization, surgery, and associated medical expenses.
- Outpatient Services: Doctor consultations, lab tests, prescriptions, and minor procedures.
- Maternity Coverage: Costs related to pregnancy, childbirth, and postnatal care (often with a waiting period).
- Emergency Services: Emergency treatment and ambulance services.
- Some policies also offer optional coverage for dental, optical, and wellness services.
- Some Kenyan health insurers offer international coverage, which allows you to access healthcare services outside of Kenya. This may be an additional option or an upgraded plan, and coverage areas (regions or countries) vary by provider. It’s important to check if your plan includes international coverage if you travel frequently or require specialized treatment unavailable locally.
Need any help!
Since 2017, Al-Ahdi Insurance Brokers has been serving policyholders – protecting businesses, mitigating losses, defending claims. Renters .
