So, what are the best medical insurance companies in Kenya (away from government-run NHIF? – We all know about NHIF, don’t we?)
Now, the private sector is dominant in providing health insurance covers so most of your options when it comes to the best medical insurance companies in Kenya are private companies.
Below we’ve compiled for you the most trusted and reliable medical insurance companies in the country, for those looking for alternatives to NHIF (while good, NHIF has its weaknesses).
Best Medical Insurance Companies in Kenya
AAR Insurance Kenya
AAR is one of the best health insurance companies in Kenya and one of the pioneers when it comes to ‘private’ medical insurance in Kenya.
And with AAR, you can purchase comprehensive medical insurance for both your family and as an individual.
Nowadays AAR has taken its services online so you can buy your preferred insurance cover from the comfort of your office (or home)
AAR Insurance Kenya Contacts
Location: Real Tower, Ground Floor, Hospital Road, Upper Hill, Nairobi
Tel: +254 0202 895000 / +254 703 063000 / +254 730 633000
Email: info@aar.co.ke
Website: www.aar-insurance.com (go here to view the available covers)
Jubilee Insurance
Jubilee offers an affordable and all-inclusive medical insurance package popularly known as ‘J Care’.
Now, Jubilee medical insurance cards are accepted in over 200 medical institutions countrywide, which makes it one of the largest medical insurance underwriters in the region.
The best part? Jubilee allows you to choose the medical facility you’d prefer to receive your treatment from (you can choose any hospital as long as it has an agreement with Jubilee).
Jubilee Insurance Contacts
Location: Jubilee Insurance House, Wabera St, Nairobi
Telephone: +254 203 281000 / 0709 901000 / 0719 222111
Email: info@jubileekenya.com
Website: www.jubileeinsurance.com
Madison Insurance
Madison Insurance is one of the most responsive medical insurance companies in Kenya and they do offer a flexible payment plan.
With regard to medical claims, Madison reimburses a facility within the following times
- Accidents- Instant payment /reimbursement
- Surgery- Claims are processed with Up to 90 days in case of surgical procedures
- Other illnesses- Payments made with up to 30 days for all other illnesses.
Besides the comprehensive medical insurance cover, Madison has other notable packages such as the KPSA medical cover, which targets employees of private schools in Kenya.
Overall, Madison can be a great alternative to NHIF..
Madison Insurance Contacts
Location: Madison Insurance House, Upper Hill Close,
Tel: 0202 721970 / 0202 723344
Email: madison@madison.co.ke
Website: www.madison.co.ke
CIC Health Insurance
CIC Group is also absolutely one of the best medical insurance companies in Kenya.
They have been in the industry for more than 30 years and they have a reputation for offering some of the flexible as well as most innovative health insurance covers in Kenya.
Some of the expenses CIC medical insurance plans cover include:
- Hospital bed accommodation charges
- Pre-existing health conditions
- Organ transplants
- Day care surgeries
- Dental surgery
CIC Health Insurance Contacts
Location: CIC Plaza, Mara Road, Upperhill Nairobi
Phone: +254 703 099120 / 0202 823000
Email: info@cic.co.ke
Website: www.cic.co.ke
APA Insurance
If you are looking for a health insurance cover with a wide range of services, APA is one of the best options you have.
The health Insurance plan underwrites two popular packages, Jamii Plus and Afya Nafuu.
These two come with a lot of benefits.
Here are some of the medical conditions/treatments APA medical Insurance products cover:
- Reconstruction surgery
- Congenital conditions
- Cancer treatment
- Organ transplant
- HIV/AIDs-related disorders
To cut the long story short, you’ll absolutely fall in love with APA medical insurance covers whether you’re an individual, a family, or a corporate.
APA Insurance Contacts
Location: Apollo Centre, ring road Parklands, Westlands, Nairobi
Telephone: +254 0202 862000 / +254 709 912777
Email: info@apainsurance.org
Website: www.apainsurance.org
Britam
Britam offers an array of health insurance solutions.
To be clear, Britam’s medical insurance covers both inpatients as well as fund-managed outpatient health services.
Their innovative health Micro insurance scheme (Afya Tele) is open to non-government organizations (NGOs), registered companies, and groups (Chamas) with a membership of 10+ people.
If you’re buying cover for your family, you can include all your children (unlike with some companies where there’s a cap to the number of eligible children).
Britam Contacts
Location: Mara/Ragati Road Junction, Upperhill, Nairobi
Phone: +254 703 094000
Email: info@britam.com
Website: www.ke.britam.com
Kenindia Assurance Company Limited
Kenindia Insurance is an ISO 9001 certified insurance company with three major products;
- Health save plan
- Corporate health plan
- Individual/Family plan
Kenindia is quite reasonable when it comes to premiums.
Kenindia Assurance Company Contacts
Location: Kenindia House, Loita Street, Nairobi
Phone: +254 020 331 6099 / +254 020 221 8380
Email: kenindia@kenindia.com
Website: www.kenindia.com
UAP Old Mutual Insurance
UAP also underwrites health covers too and reviews from their past clients show that they can be a good choice.
Now, with UAP Old Mutual, you have an option to choose from a wide range of medical insurance plans.
Here are their most popular plans:
- Afya Imara Junior (for children below 19 years)
- Afya Imara Executive (for individuals and families)
- Afya Imara Seniors (Individuals of 66 to 80 years)
- Afya Imara County (covers treatment at county-level hospitals across Kenya)
UAP Insurance Contacts
Location: UAP Old-Mutual Tower, Upper-Hill Rd, Nairobi
Tel: +254 202 850000 / +254 711 065000 / +254 711 065100 / +254 711 010100
Email: uapinsurance@uap-group.com
Website: www.uapoldmutual.com
Best Medical Insurance Companies in Kenya -Wrapping it up
Health emergencies may occur most unexpectedly so having medical insurance for you and your loved ones will give you some peace of mind.
To point you in the right direction, we have made some recommendations in this article.
Be sure to carry out your due diligence before selecting a medical insurer – you don’t want to go with a company that will frustrate you at your hour of need.
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