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Why you need a Medical Insurance Cover

*What is Health or Medical Insurance?*

Insurance of your home or car is a no-brainer, but some people aren’t sure why health or medical insurance can be a good idea. We get it; when you are sick, you want treatment, not drama. This makes the choice of a health insurance carrier an important decision because it may have a significant influence on the quality of care you receive. If you are currently shopping for a medical cover, or you just want a feel of what is out there, then here are some things that you will do well to bear in mind.

Health insurance, also known as private medical insurance, is designed to ensure that if you need medical treatment in future, you won’t need to worry about NHS waiting lists or paying for the cost of the treatment. If you’re treated privately, health insurance will pay all or some of your bills. It should get you diagnosed and treated quickly, as well as offer you a prompt referral to a consultant and admission to a private hospital at a time and place that is convenient for you.

With health insurance, you’ll have a choice of the private hospital from an agreed list provided by your insurer – most hospitals offer a private en-suite room, TV and a choice of food, which you wouldn’t necessarily get as a normal patient. Is there any good argument against the fact that your health is your single most important asset in this life? Good health is such a foundational matter in life without good health, it becomes difficult to achieve an important goal. This simple, yet profound fact is the driving force behind an ever-growing health insurance sector not just in Kenya, but the entire world in general. So, what are the most significant reasons why you need to consider health insurance for yourself, your family, and your dependents?

*Why Health insurance in Kenya Matters*

Is there any good argument against the fact that your health is your single most important asset in this life? Good health is such a foundational matter in life since, without good health, it becomes difficult to achieve an important goal. This simple, yet profound fact is the driving force behind an ever-growing health insurance sector not just in Kenya, but the entire world in general. So, what are the most significant reasons why you need to consider health insurance for yourself, your family, and your dependents?

Health is irreplaceable

Unlike the vast majority of things in life, health is one of the truly irreplaceable aspects. A lot of attention is currently dedicated to encouraging healthy life habits because doctors have known that it’s better to keep in good health rather than to try to fix it once broken. Some of the key sources of threats to our health include hereditary illnesses, communicable diseases, and lifestyle diseases. In addition to these threats, there is also always the risk of accidents occurring, accidents that may have short or long-term implications for our health. In all these cases, a good health insurance policy can be the help we need should our health start failing.

It’s affordable

The number of people taking up health insurance in Kenya has been on the rise. Two key trends are responsible for this. First, more companies are bundling health insurance as one of the benefits they give to their employees. This is in effect increasing the number of Kenyans with a health insurance cover. The second trend is the emergence of low-cost health insurance policies that offer basic cover for policyholders. The low-cost covers are in line with the hugely influential role SMEs are playing in the Kenyan market. As such, the cost of medical insurance is affordable because there is always a policy that can meet the health needs of any person in the country.

On a different note, the affordability of health insurance in Kenya should be evaluated against the value of one’s health. It turns out that what may seem expensive at first, is actually an affordable component of the health insurance.

Accidents happen

Finally, you need to have a health insurance plan for the reason that accidents happen, and accidents can have detrimental effects on your health. As already discussed above, germs and genetics are not the only threats to our health. A freak accident can also lead to loss of health. In some cases, managing your injuries after an accident can be a very expensive affair. A good insurance policy will help you to get back on your feet as you work to get back to good health.

It earns you a tax relief

The Kenyan tax procedures assure you of a tax relief of 15% on the premiums you’ve paid per annum. This goes to bring down the cost of medical insurance by that much. If you spend Kshs 50,000 on premiums for a health insurance policy in one year, then you will get a tax relief of Kshs 7500.

*Types of Health insurance Plans in Kenya*

The health insurance sector in Kenya has several types of insurance policies targeting the general public. These plans are devised to meet the needs of Kenyans seeking insurance covers for their families and for companies requiring covers for their employees. Here are the key types of insurance policies that you will find in the Kenyan market.

Inpatient cover

Inpatient cover refers to policies that provide compensation for costs associated with hospitalization. Impatient covers come into effect when the policyholder is admitted to the hospital. This cover is typically more expensive than other types of cover because, in addition to the direct costs of treatment, it also covers policyholders from the liabilities associated with accommodation costs in the medical facility. Some insurance companies require policyholders to get clearance before accessing inpatient facilities. In these cases, the company seeks to make sure that the case requires hospitalization, and is not just a frivolous hospitalization request.

Outpatient cover

By far the outpatient cover is the most common type of health insurance coverage. The outpatient cover protects policyholders from liabilities associated with access to outpatient facilities. In this case, a policyholder accesses health services in a hospital or clinic accredited by the insurance company and after receiving treatment the policyholder does not remain resident in the health facility. Outpatient covers tend to be cheaper than inpatient covers because all the costs incurred are treatment related. It does not have the accommodation component that usually inflates the cost of outpatient covers. However, outpatient covers do not usually exist on their own. Typically they are bundled with the outpatient cover

Low-cost covers

In the recent years, some companies have developed low-cost covers targeting the low-income segment of the country. These covers have low-cost premiums and provide access to a limited range of inpatient and outpatient services. The most popular among these covers is the Linda Jamii cover targeting SMEs and other small groups. Low-cost medical insurance covers in Kenya are provided by insurance companies that are willing to work with low-cost hospitals. Some of them have co-payment plans to reduce the risk of frivolous visits to healthcare facilities

Medium and high-cost covers

Medium and high-cost covers are the most common types of health insurance covers in Kenya. Usually, these covers are paid for by employers in order to give their employees a health policy as part of the remuneration package. High ranking company employees are usually afforded higher cost covers while middle and low-level workers get medium cost covers. In practice, insurance companies have a graduated schedule showing the number of premiums versus the cover limits. In some cases, the insurance companies give additional benefits that are otherwise found in a funeral cover, should a policyholder pass on.

Maternity cover

The maternity cover is also available in the Kenyan market. This cover is usually included as an enhancement of a basic health insurance policy. Maternity cover usually meets the costs of hospitalization, including delivery and any eventualities such as congenital illnesses that may result from the pregnancy. Due to its nature as an “assured risk”, the maternity cover in many ways is a customer retention element used by insurance companies.

*Benefits of a Health Insurance policy*

In Health Insurance Kenya, the term “benefit” has a distinct meaning to it and usually refers to the specific commitments the insurance company makes to policyholders. If you bought a health insurance policy today, the following are some of the benefits you will enjoy.

Covers cost of the consultation

The cost of consultation varies widely in Kenya, from a few hundred shillings in low-cost hospitals to several thousand shillings in high-end hospitals. The cost of seeing a doctor is usually covered by the insurance company and is the first benefit you will have when you buy a health insurance policy.

Covers cost of specialists

Specialists such as gynecologists, dermatologists, psychiatrists and others, usually have a higher consultation fee. In case a general doctor (general practitioner) refers you to a specialist, the insurance company will meet the cost associated with your visit to the specialist. You should, however, consult your insurer to find out whether they have an approved panel of consultants before seeing a specialist.

Covers cost of lab-work

Health insurance policies usually cover the costs associated with lab tests. It is important to highlight this benefit because not all medical conditions will require medical testing before treatment can be administered. That said, some insurance companies will require you to notify them if certain tests are recommended so that they can issue their approval.

Covers cost of medicine

Meeting the cost of drugs is also one of the benefits a health insurance cover should provide. In this case, the medicine may be obtained from the hospital’s pharmacy, or from a chemist accredited by the insurance company. In general, health care policies do not cover the cost of non-medical supplements and cosmetics, even if they are recommended by a doctor.

Covers cost of hospitalization

In the event a policyholder is hospitalized, the insurance company will meet the costs associated with hospitalization. In this case, the insurance company will pay for accommodation (bed) as well as treatment costs. Accommodation in a hospital increases the cost of health care because the hospital must operate several departments to support the patients. These departments include catering services, laundry services, among others. The hospital also must be in operation full time, which means hiring more staff members

Covers cost of Ambulance

Some covers may include an ambulance benefit. In this case, the insurance company provides an ambulance to take you to the hospital should you need on. Some policies also include an air rescue component in partnership with air ambulance services. This benefit may require the payment of additional premiums.

Cash Back for days hospitalized

in some cases, the policy may also include a “cashback” clause where the insurance company pays out a daily allowance for every day the policyholder is hospitalized. The rationale is that long-term hospitalization may lead to loss of income. The cash paid to the policyholder helps to even out the loss of income during the days they are hospitalized.

*Importance of the NHIF Policy*

The National Hospital Insurance Fund is a government-run medical insurance service, developed with the eventual goal of offering universal healthcare for all Kenyans. All employed persons in Kenya are required to be members of the fund. The fund is the main source of medical insurance for civil servants. It is quite important to be a paid-up member of NHIF because of the benefits this membership affords you as a person. Here are some of the benefits.

Health insurance is issued net of NHIF costs

When you buy a commercial medical insurance policy from a local healthcare provider such as Jubilee insurance, Britam, resolution insurance or any other medical insurance companies in Kenya, your insurance is calculated net of the NHIF contribution to your hospitalization. Since membership in NHIF is mandatory for employed persons, health insurance companies assume that everyone who buys additional insurance from them is actually buying ADDITIONAL insurance. The policy benefits are therefore calculated net of the amount NHIF should pay. If you do not keep your NHIF contributions current, you will have to foot an amount equivalent to what NHIF should pay.

Subsidizes cost of hospitalization

The second reason why everyone should consider NHIF membership is that subsidizes the cost of treatment. In recent times, NHIF has been expanding its scope of coverage. Until recently, NHIF has been refunding providers only when a member is hospitalized. However, in recent times, the fund has been working towards refunding even costs associated with outpatient services. A recent media report indicates that NHIF will start paying for costs associated with the treatment of cancer, and the cost of dialysis. This is a welcome move given that most people in Kenya do not have robust privately funded medical insurance covers.

Is relatively cheap to pay

Finally, the cost of NHIF members is relatively cheap, yet the benefits are competitive especially in the case of hospitalization. One of the key advantages of the NHIF is that one pays the medical insurance costs monthly as opposed to annually, making it very affordable. It is also the case that the rates are affordable even for low wage workers. NHIF members who are employed contribute from Kshs 150 for those earning a maximum of Kshs 5,999, and a maximum of Kshs 1700 for those earning Kshs 100,000 and above. For those not employed formally (such as informal workers and retired persons), the monthly contribution is pegged at Kshs 500 per month. These costs are lower than for any other cover. For instance, Linda Jamii requires members to pay 12,000 per annum, meaning that the monthly charge is Ksh 1000. Having an active membership with the NHIF is a smart decision for every discerning Kenyan.

How to Choose a Health Insurance Policy

How do you arrive at an appropriate decision regarding the type of health insurance policy you should buy? If this question is currently bothering you, then you are the perfect person to see this. The choice of a medical insurance policy is an important one. It has implications relating to the type of care you can access. It will also have an impact on the limits of care you can access. Here are some of the key factors that you need to consider.

Needs assessment

First, carry out a needs assessment to see what you are looking for. When we speak of needs, we mean your needs and those of your dependents. Your needs will mostly be defined by your current state of health, which will have an influence on how frequently you need medical attention. The type of care you will need is also a good consideration to make.


The next thing you need to look at is your budget. How much are you willing and able to spend on health insurance? While someone would feel safest having all the benefits a medical insurance policy can buy, spending too much money on one item can compromise your financial plans, especially if you have many dependents. In this case, make a decision on how much you can spend on health insurance based on your needs and based on your capacity. The whole point of this exercise is to make sure that you get the best possible deal for your budget. At times, the cost of a policy is not always an indicator that you are buying a good policy.

Benefits assessment

Thirdly, with actual policy documents, assess the benefits associated with each policy. Compare the limits of each policy to see just how much would be available to you. In addition, look at the complete list of benefits provided by each of the policies you are considering. It is wise to pick policies whose benefits match your needs as closely as possible.

Company choice

Finally, decide on your preferred insurer. It’s a reality that some health insurance companies have better products and customer service than others, even if their policies may be more expensive. Finding a company that fits within your needs is the important thing in this situation.

Once you have understood what your needs are, compare the policies available, assessed the benefits of these policies, and finally, you have settled on a provider, then and only then, are you ready to buy health insurance.

*How to get best Health Insurance Kenya Quotations*

Whenever you are buying anything, whether it’s vegetables or a new house, there is usually this good feeling you get when you are sure you have been given the best prices possible. Health insurance is no exception. You deserve to feel good about how much you’ve spent on your health insurance in Kenya. If this is something you would like for yourself, here are some tips.

Compare quotes at InsureAfrika

First, you can get very good prices for health insurance if you will first use our online quote comparison service. We have spent the last few years perfecting this service to ensure everyone in Kenya looking for insurance can get quotes for a wide range of insurance products. In this case, our service allows you to compare the prices and features of insurance policies from leading insurance companies in Kenya. Before you set out on an odyssey to find the most competitive rates for insurance products in Kenya, stop by our

Talk to agents

Next, we encourage you to talk to trusted insurance agents who offer health insurance services. Insurance agents will give you the benefit of insider information, and will most likely help you to save some money. Agents know which products will give you the best value for your money and they are also likely to know which companies have products meeting your needs, as well as any offers in the prevailing market. Keep in mind though that an agent makes money from commissions, and the higher the cost of an insurance, the more likely they are to sell you expensive products. You must be tactful when speaking to an agent and don’t settle until you have what you consider to be a fair deal.

Talk to company representatives

Another way to get the best deals is just to go to the source. You can choose to talk to company representatives personally so that you hear from them what they have and how they intend to meet your needs as an insurance consumer. While this puts you in touch with the best information, you will end up with more than just the information you need. You will feel the full force of the insurance companies’ marketing departments. You can see why this can be exhausting. Nonetheless, if you have the time, strength and stamina, then it may be the best way of getting and comparing quotes.

Ask for referrals

Finally, you can also find great deals by asking for referrals from your friends and associates. This should be relatively doable if we are well linked via social media channels.

If you’d like a no-stress approach to getting the best quotes, then we think that using our online quote comparison service might be your best bet.

*How Health Insurance Claims Process Works*

Health insurance is an interesting type of cover in various ways. First, it’s the only cover that deals directly with your health, arguably your most prized asset. Secondly, the health insurance cover can be claimed in bits as needs arise, as opposed to other covers where you can only make one claim. When it comes to claims, here is how the claims process works.

Claim as you go

Health insurance claims are made when you visit a hospital access medical services. When you visit a hospital to access treatment, the insurance company will pay for your treatment based on the cover limits of your policy. You can make claims as many times as you need to provided you have not exceeded your limit


Most insurance companies will have a copayment policy on their cover. This works a bit like “excess” in the motor insurance cover. What this entails is that each time you visit a health facility, you will have to pay a fixed amount to the hospital. The specific amount varies from hospital to hospital and also varies according to the specific policy. The goal of copayment is to discourage frivolous visits to healthcare institutions.


The third issue you need to bear in mind is that health insurance usually comes with certain exclusions. These exclusions may include some medicines and procedures that do not meet the threshold for services that can be insured against. The most common exclusions are cosmetics procedures, food supplements, and elective procedures. As you plan your health insurance, remember that InsureAfrika is there to support you all the way.

*Conditions excluded from Health Insurance Policies in Kenya*

It is important to note that health insurance policies do not cover all medical conditions unconditionally. Covering these conditions may go against the principles of insurance. Insurance aims at providing cover from risks that affect a relatively small number of people from among those insured. Situations that veer from this norm makes it hard for insurance companies to offer services. Here is a list of some of the conditions that insurance companies do not cover in their policies

Pre-existing & chronic conditions: Insurance companies are not obliged to cover a policyholder who joins their scheme after the onset of a medical condition. For instance, a policyholder who has an organ defect (say failing kidneys) does not have the right to demand an insurer to cover the costs associated with his treatment of the disease had been detected earlier than the effective date of their policy.

Congenital defects: These are defects that affect unborn children and are usually detected before, during or after birth, and in some cases later in life. In recent years, some medical insurance policies have found ways of covering congenital effects but usually have a cover limit.

War and kindred risks: These are risks associated with war. In wars, the number of casualties is usually much higher than an insurance company can afford to compensate using the ordinary insurance models. In order to keep the liability levels manageable, health problems associated with war and kindred risks are not insurable

Cosmetic surgery unless caused by an accident: insurance companies do not pay for elective cosmetic surgery and procedures. Elective cosmetic surgery does not qualify for a risk cover and is a deliberate choice by an individual. On the other hand, a health policy will cover a cosmetic procedure if it is required to restore normalcy to the looks of a policyholder. This may be the result of burns, wasting infections, or any other ailment causing physical deformity.

Treatment other than a registered doctor of medicine: This policy exclusion means that a medical insurance policy will not pay for treatment accessed from a traditional doctor, medicine man, acupuncture practitioner, or even a trained conventional doctor who is not licensed to practice. The challenge here is that insurance relies on formal health systems to calculate costs, while informal health systems do not have enough in common to allow for proper calculation of premiums. At the same time, some of their treatments are not scientifically tested, hence there is no way of assessing their efficacy.

Intentional self-injury: This exclusion stems from the understanding that insurance is meant to cover risks and not premeditated events

Drunkenness: Injuries or problems associated with drunkenness can be considered to be self-inflicted, and the policyholder should have been well aware of the consequences. These conditions are therefore not insurable

HIV/AIDS-related illnesses: In the former years, HIV/AIDS was not curable (and still isn’t), and was more difficult to manage. Things have changed much over the last two decades, and insurance companies are less worried about covering HIV/AIDS. This in addition to laws outlawing the discrimination of HIV patients has virtually eradicated this exclusion

Dental and Optical Conditions: Some covers still do not cover dental and optical conditions unless specifically included in premium calculations. Even in cases where these two conditions are covered, some exclusion still applies, such as the limit in eyeglasses, and dental procedures a policyholder may access.

*Pro Secrets of choosing the Health Insurance*

Reputation does Matter

It is critical to determine the reputation of your preferred health services provider before making commitments. If you can, ask hospitals and clinics what sort of relationship they have with the medical insurer, and find out whether the relations are smooth. Talk to your friends too, and other referrals to get their views on the services provided by that medical services provider. The market reputation of a provider is an indication of how well the company provides services to its members and is usually a good point of reference when making decisions regarding healthcare insurance.

Consider the Reach of the Health Insurance Carrier

Depending on your lifestyle, it may be important to consider the geographical reach of your carrier. The main points to consider include the following. First, does the health insurance provider have a network of partner hospitals that cover all your main areas of operation? The point here is to ensure that you will have access to a hospital from any of your areas of operation. The second point to consider is whether the health insurance carrier allows you to use the hospitals of your choice. For instance, if you look at the Linda Jamii product from Britam, you will discover that the list of hospitals that participate in it do not include the major private hospitals in Nairobi, ostensibly to keep the costs of healthcare affordable both for the insurer and the insured. Other health insurance companies may insist on copayment plans if you visit the major private hospitals, or if you want to see a doctor outside of their primary network. Consider all these factors as you buy your medical insurance.

ALWAYS compare Costs and Services

Consider the costs of premiums, in the context of the size of cover available for your use. A cheap medical insurance cover does not always mean that it is a better deal. A company may give you an inferior cover at a low cost, which fails to meet your needs. On the other hand, a high-cost cover is also not the same as a high-quality cover. Examine the cover to ensure that you are getting the most value for your money. One of the best ways of doing this is to fill in our online medical insurance quote form to compare medical insurance quotes from different providers.

One of the most frustrating situations you can find yourself in is not being able to access your medical insurance provider when you need advice or have an inquiry, especially during emergencies. Before you get into a scheme, call the company to find out how helpful they are when you have an inquiry. You can also experiment with sending an email or an SMS to see which medium attracts the quickest and the most comprehensive response. Check out their website to see whether you can find the list of hospitals in their network, then call some of those hospitals to confirm that they actually have a relationship with this potential insurer. This is especially important if you would like to access services from specific hospitals listed in the company’s role. Some companies may not update the publicly available information when their relationships change, and you can buy into a cover thinking your preferred hospitals are in the network, only to discover that they are not represented. Do your research well to ensure that you get the best medical insurance cover possible on your current budget.

Download the List of Insurance Companies in Kenya Below:

Credibility and Accuracy of this Article are Sourced from InsureAfrika – It is for general public information and reference purpose only.

More Adequate and Credible Sources:

  1. Independent
  2. InsureAfrika
  3. Resolution Insurance
  4. Capital News
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