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If you are looking for the best health insurance companies in Kenya, you have several options to consider. As more Kenyans become health-conscious and with the government pushing for more people to acquire health insurance,1 several companies have come up to satisfy this demand.
This also means that finding the right health insurance cover has become even more difficult. With so many options to consider, the whole process can be overwhelming.
To help you out, we have done plenty of research and compiled a list of the best medical insurance companies in Kenya. We considered factors like cost, credibility, coverage, and hospital networks to find the best options for you.
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List of Best Health Insurance Companies in Kenya
- Jubilee Insurance
- Madison Insurance
- Resolution Insurance
- APA Insurance
- Pacis Insurance Company
- UAP Insurance
- Britam
- Heritage Insurance
- Pan Africa Life
- Kenindia Assurance Company
Health Insurance Companies in Kenya and Their Contacts
Note: The contacts shown here are only for the head offices. Visit the respective websites to get branch-specific contacts.
1. Jubilee Insurance
Jubilee Insurance tops almost every list of the best health insurance companies in Kenya. Their medical insurance product is majorly targeted at individuals and families. What makes them stand out is the number of medical providers in Kenya they work with.
They have more than 200 making it the most flexible and affordable medical cover in Kenya. Their medical insurance is called J CARE and has proved to be one of the most popular in the country.
Jubilee Insurance Contacts
| Location | Jubilee Insurance House, Wabera Street |
| Address | P.O Box 30376 – 00100Nairobi, Kenya |
| Phone | +254 (0) 20 328 1000 |
| info@jubileekenya.com | |
| Website | jubileekenya.com |
2. APA Insurance
They mainly deal with inpatient, outpatient, maternity, dental, optical, and personal accident medical cover. To qualify for their cover you either have to be a child between 1 month to 17 years or an adult between 18 and 75 years.
APA Insurance Contacts
| Location | Apollo Centre, ring road Parklands, Westlands |
| Phone | +254 (0) 20 364 1000 |
| info@apainsurance.org | |
| Website | http://www.apainsurance.org |
3. Madison Insurance
This is one of the oldest health insurance companies in Kenya. It has been around since 1988 so if you are looking for a health insurer that has been around long enough to amass the required experience and credibility, you should try this one.
There is no doubt Madison Insurance has made a name for itself in the health insurance market. Their health insurance products are very affordable and probably the best in Kenya.
Madison Insurance Contacts
| Location | Madison House Upper Hill Close, |
| Address | P.O Box 47382 – 00100, Nairobi |
| Phone | 0709 922 000, |
| madison@madison.co.ke | |
| Website | https://www.madison.co.ke |
| SMS | 20286 |
4. Resolution Insurance
Resolution insurance was started in 2002 as Resolution Health and later changed to its current name in 2013.
This is arguably among the best health insurance providers in Kenya. Their health insurance packages are very unique covering both inpatient and outpatient needs. Their membership lasts for a lifetime and they are among the few that cover chronic health conditions.
Resolution Insurance Contacts
| Location | Parkfield Place, Muthangari Drive, Off Waiyaki Way, Westlands |
| Address | P.O Box: 4469 – 00100, Nairobi Kenya |
| Phone | +254-20-2894 000, +254-709-990 000, +254-730-199 000 |
| info@resolution.co.ke | |
| Website | https://www.resolution.co.ke |
5. Britam Insurance
Fondly known as Mediflex, the Britam medical insurance offers both in-patient and fund-managed outpatient covers. This is the best insurance company in Kenya for people who are employed and their dependents.
Additionally, if you are an NGO, registered company or a Chama with not less than 10 members, you will be eligible for their corporate health covers. Britam health insurance cover comes with a lot of flexibility which gives you the freedom to choose the kind of medical expenses you want to be covered.
They also have a health insurance product known as AFYA TELE which is a unique medical cover designed for corporate or a group that comes with inbuilt funeral benefits.
Britam Insurance Contacts
| Location | Mara/Ragati Road Junction, Upperhill |
| Phone | +254 703094000 |
| info@britam.com | |
| Website | https://www.britam.com |
6. Heritage Insurance
Heritage provides one of the best medical covers in Kenya.
They have been providing short-term insurance products to Kenyans for over 50 years. Their origins trace back to 1908 and 1924 when the Norwich Union Fire Insurance Society and The Legal & General Insurance Company, respectively commenced their Kenyan operations in 1924.
These two companies later merged their interests in 1976 to form The Heritage Insurance Company Limited.
They are rated AA- by the Global Rating Company (GRC). This is one of the highest international ratings for insurers affirming Heritage’s high claims-paying ability.
The Heritage Insurance Medical covers in Kenya come in different packages as listed below.
- HERITAGE FLEXI
- BLUE
- BLUE CORE
- BLUE LITE
- BLUE CLASSIC
- BLUE PLUS
- BLUE ELITE
Visit the website to understand what each insurance option covers.
Heritage Medical Insurance Contacts
| Location | LIBERTY House, Mamlaka Road |
| Address | P.O. Box 30390 00100 – GPO Nairobi – Kenya |
| Phone | 0711 039 000, 0734 101 000 |
| info@heritage.co.ke | |
| Website | https://www.heritageinsurance.co.ke |
7. Kenindia Assurance Company
Kenindia is derived from Kenya and India. So this is an Indian health insurance company operating in Kenya. The company was founded back in 1978 when the insurance sector was still very bleak.
The company was formed when Indian Insurance companies that had their operations in Kenya decided to merge and form one joint venture.
The companies that merged to form Kenindia include Oriental Insurance Co. Ltd, Life Insurance Corporation of India, New India Assurance Co. Ltd., and United India Insurance Co. Ltd.
Kenindia Assurance Company Contacts
| Location | Kenindia House, Loita Street, Nairobi, KENYA. |
| Address | P.O. Box: 44372 – 00100 G.P.O. Nairobi |
| Phone | +254 (020) 3316099 |
| kenindia@kenindia.com | |
| Website | https://www.kenindia.com |
8. PACIS Insurance Company Ltd.
Pacis Insurance Company Limited was started by the Catholic church in 1997. The word Pacis is derived from Latin which means peace. The initial intention was to use it as an avenue to generate funds for church projects.
The company was then registered in Kenya in 2004 and started operations in August 2005. Right now, the insurance company is still solely sponsored by the catholic church and affiliated institutions.
Their health insurance in Kenya is known as the PACIS Amani Medical Cover with in-patient cover being their main priority. Benefits covered under the in-patient cover include:
- Hospital accommodation
- Organ transplant
- Doctors’ fees
- HIV/AIDS-related conditions
- Accidents
- Congenital conditions
- Lodger fees
- Pre-existing charges
- Chronic Conditions
- Inpatient Laboratory
- Cancer treatment
- Theatre charges
- Accidental Optical /dental
- Radiological test
Other optional medical covers include maternity cover and outpatient cover.
PACIS Insurance Company Contacts
| Location | Centenary House, 2nd Floor Off Ring Road, Westlands, Nairobi |
| Phone | 0730 677 000, 0720 113 122, 0733 777 293, 0733 777 717, 0734 777 172 |
| customercare@paciskenya.com | |
| Website | http://www.pacisinsurance.com |
9. UAP Old Mutual Insurance
The company was started as Old Mutual in South Africa in 1845 making it the oldest on this list. It was not until 1920 that it started operations in Kenya. In 1978, Old Mutual merged with UAP insurance to form UAP Old Mutual.
It is now one of the biggest health insurance companies in Kenya which also offers a variety of other insurance covers. They have amazing health cover plans which give you the flexibility to choose what you want.
The plans include:
- Afya Imara – The main, all-inclusive health insurance cover
- Afya Imara County – health insurance cover from your respective county hospital
- Afya Imara Seniors – for adults between the age of 66 and 80 years old.
- Afya Imara Junior – health insurance coverage for children below 19 years.
- Afya Imara executive – Personalised health plan offering worldwide geographical coverage to meet your specific medical needs.
UAP Old Mutual Insurance Contacts
| Location | UAP Old Mutual Tower, Upper Hill Road, |
| Address | P.O. Box 43013 – 00100, Nairobi |
| Phone | +254 711 065 000 |
| SMS | 22801 |
| uapinsurance@uap-group.com | |
| Website | https://www.uapoldmutual.com |
10. Sanlam Kenya
Previously known as Pan Africa Life, Sanlam Kenya is of the pioneers of health insurance in Kenya.
This is another health insurance company that has been around for some time now. The company has been in operation for over 60 years and has built quite a reputation in the insurance sector.
Sanlam Kenya Insurance company is focused on providing the best medical covers in Kenya by prioritizing quality health products and customer satisfaction.
Sanlam Kenya Insurance Contacts
| Location | Sanlam Tower, Waiyaki Way, Westlands. |
| Address | P.O Box 10493-00100 Nairobi, Kenya. |
| Phone | +254 (0)20 278100 , +254 (0)722 206 900 +254 (0)20 278100 , |
| info@sanlam.co. |
What is Health Insurance?
Health insurance is a type of coverage that pays for medical, surgical, and sometimes dental expenses incurred by the insured individual. It functions as a contract between an individual and an insurance company, where the individual pays premiums regularly, and in return, the insurer covers a portion of or the entire cost of medical services when the individual requires healthcare.
Health insurance can cover various medical expenses such as doctor visits, hospitalization, prescription medications, preventive care, diagnostic tests, and other treatments. The coverage and benefits provided by health insurance plans can vary widely depending on the type of plan, the insurer, and the specific terms outlined in the policy.
What Does Health Insurance Cover?
Health insurance coverage in Kenya can vary significantly depending on the specific policy and the insurance provider. However, generally, health insurance covers various medical expenses and services to help individuals manage healthcare costs.
Here are common aspects that health insurance companies in Kenya typically cover:
- Hospitalization: Health insurance often covers expenses related to hospital stays, including room charges, nursing care, medications administered during the hospital stay, and surgical procedures.
- Outpatient Services: This includes services such as doctor’s visits, specialist consultations, diagnostic tests (like X-rays or blood tests), and outpatient surgeries performed in a clinic or hospital without an overnight stay.
- Prescription Drugs: Many health insurance plans in Kenya offer coverage for prescription medications, though coverage levels and co-pays can vary.
- Emergency Care: Health insurance typically covers emergency medical services, including emergency room visits, ambulance services, and urgent care.
- Maternity Care: This can include prenatal care, childbirth, and postnatal care. However, coverage for maternity care may vary between different medical insurance companies in Kenya and may include waiting periods.
- Mental Health Services: Many insurance plans provide coverage for mental health services, including therapy, counseling, and treatment for mental health conditions.
- Chronic Disease Management: Some health insurance plans cover the management and treatment of chronic conditions such as diabetes, asthma, hypertension, etc.
- Preventive Care: Coverage often includes preventive services like vaccinations, screenings (e.g., mammograms, colonoscopies), and annual check-ups.
- Rehabilitative Services: This might include coverage for services such as physical therapy, occupational therapy, and speech therapy.
If you take an insurance cover carefully review the specifics of its policy to understand exactly what is covered and what might be excluded. Policies can differ significantly in terms of coverage limits, exclusions, co-pays, deductibles, and network restrictions. Some treatments, procedures, or services might have limitations or require pre-authorization from the insurance provider.
What to Consider When Choosing the Best Health Insurance Companies in Kenya
- Coverage and Benefits: When assessing health insurance plans in Kenya, prioritize evaluating the coverage and benefits offered. Look for comprehensive coverage encompassing hospitalization, outpatient services, maternity care, prescription drugs, chronic condition management, and specialist consultations. Ensure that the plan covers pre-existing conditions, though there might be waiting periods for such coverage to take effect.
- Network of Healthcare Providers: Consider the network of hospitals, clinics, doctors, and specialists affiliated with each insurance plan. Check if your preferred healthcare providers are included in the plan’s network. Using in-network providers typically incurs lower costs, so understanding the coverage network is crucial.
- Premiums and Costs: Carefully analyze the financial aspects of each plan, including premiums, deductibles, co-payments, and co-insurance. Compare premiums across different insurers to strike a balance between cost and coverage. Review deductibles and out-of-pocket expenses to assess overall affordability.
- Limits and Exclusions: Understand any limitations on coverage, such as annual or lifetime limits for specific treatments or conditions. Take note of services excluded from coverage to ensure the plan aligns with your healthcare needs.
- Waiting Periods: Check for waiting periods associated with particular treatments or services. Some plans have waiting periods for pre-existing conditions or certain procedures, so understanding these waiting periods is essential.
- Customer Service and Reputation: Research the insurer’s reputation for customer service, claim processing efficiency, and responsiveness to policyholder inquiries or concerns. Consider reading reviews and ratings from existing customers to gauge overall satisfaction levels.
- Additional Benefits and Services: Evaluate any extra benefits provided by the health insurance plans, such as wellness programs, preventive care services, telemedicine options, or access to health hotlines. Assess whether these additional features align with your healthcare preferences.
