Want to compare cover? Check out our list of the best health insurance companies in Kenya.
There are many best medical insurance companies in Kenya which provide a variety of medical covers to their customers. Many people are purchasing health insurance covers to reduce the heavy cost of private treatment locally and overseas. The government established the National Health Insurance Fund (NHIF), which is a regulatory contribution for self-employed and employed people. It has limited benefits thus many people opt to get a private health cover which has generous limitations for their medical needs.
Health insurance companies offer inpatient and outpatient services for medical cover for both individuals and families.
List of health insurance companies in Kenya
1. Jubilee Insurance
Jubilee Insurance Ltd was founded in August 1937 in Mombasa as the first incorporated Insurance Company in Kenya. Since then, it has spread across the country and in East Africa to become the largest general and medical insurance company.
The company provides medical covers for retail, individuals & families, SME and corporates. Jubilee Insurance operates with the vision of enabling people to overcome uncertainty, and aims at their mission of offering health solutions to protect the future of clients.
The core values of the company which is integrity, teamwork, passion and excellence has established the company as the leading health insurance provider in Kenya. Peace of mind comes once you and your family are protected and covered by the best health insurer; Jubilee Insurance. There are different health insurance covers which you can purchase from the company.
JCare Johari is an all-inclusive and affordable medical insurance product for families and individuals which is available online. There is also individual/family health cover which is designed to cover individuals and families where you can access over 20 medical providers across the country. Jubilee insurance also provides corporate health covers for your employees and JBiz SME health covers designed as a savings tool to give an amount of money for your child’s education. Jubilee Insurance offers affordable and convenient health insurance cover for your loved ones.
The company has its headquarters in Kenya located at Jubilee Insurance Centre, Wabera Street, Nairobi. It also has subsidiaries in Tanzania, Uganda, Mauritius, Burundi and Pakistan.
2. AAR Insurance
AAR Insurance began its operations in 1984 as a medical evacuation provider for both air and road accident casualties. Membership increased over the years thus providing comprehensive health insurance covers in Kenya and East Africa at large.
Today AAR Insurance offers a wide range of medical and non-medical products across the region through its intensive branch and broker network. The company has distinguished itself as dynamic thought leaders by offering simple and flexible health insurance solutions to empower people who are the cornerstone of a robust economy.
AAR Insurance provides individual and family health covers, business medical cover, travel and personal accident covers. It is well known for AAR patient clinics managed by its sister company AAR Health Care Limited and serve both AAR and non-AAR customers. The company provides the most comprehensive medical covers for families and individuals with dedicated and professional management teams to promote healthy living.
AAR Insurance provides medical covers to patients which are unique in two ways;
- They offer a sublimit for illnesses and for accidents which is different from other insurers who don’t detach the two limits.
- The inpatient health plan includes cover for small optical benefits which is uncommon with other insurance companies.
AAR Insurance has its head office situated at Real Towers, Ground Floor, Hospital Road, Upper Hill, Nairobi and branches distributed across the country as well as original offices in Uganda.
3. UAP Old Mutual
The UAP Old Mutual Group is an integrated Financial Service business consisting of Faulu Microfinance Bank, UAP and Old Mutual and is operational across East Africa with over 1.2 million customers. You are assured of unrivalled convenient and holistic health insurance solutions for your loved ones.
The vision and strategy of the company is to be your most trusted health insurer partner and passionate about helping you achieve your lifetime financial goals. At UAP Old Mutual, medical bills should not worry you since they have great health plans with amazing perks that suits your health needs.
They provide the following health insurance covers for you and your loved ones:
- Afya Imara
This is designed to suit your family as it puts your health needs first for health and a happy life. Afya Imara allows you to pay premiums in installments, cover active on completion of payments, you get a discount of premiums if covered for 3 years without a claim as well as renewing your cover for life.
- Afya Imara County
It provides affordable rates for you and your family. You and your family get quality and affordable healthcare by accessing county hospitals across the country.
- Afya Imara Seniors
Access to health insurance becomes limited when you grow older. Afya Imara Seniors is for seniors between 66 and 80 years of age and you can renew the cover for life.
- Afya Imara Executive
Your wellness and health deserves special attention despite your busy schedule which demands most of your time. This health cover offers a worldwide geographical coverage to meet your medical requirements.
- Afya Imara Junior and Gertrude Junior
This health cover is tailored for your young child below 19 years of age and once you purchase it, you will have one less thing to worry about. Your child requires a health insurance cover in addition to a healthy meal.
UAP Old Mutual believes in good governance for positive results and outstanding performance. Their professional team provides quality services to realize success for the organization and good customer service relationships. The company’s head office is based at UAP Old Mutual Tower, Upper Hill Road, Nairobi.
4. Resolution Insurance
Resolution Insurance Company was incorporated in the year 2002 making it the first organization to be registered as a Medical Insurance Company in Kenya. It now offers various insurance products with more value wherever and whenever you are.
The aim of the company is to be a recognized leader and preferred insurer in Kenya. Their mission is to serve customers, employees, stakeholders and community by offering comprehensive and responsive health insurance solutions.
The company provides health insurance covers to individuals and families as well as corporates and businesses. The products meet your needs by offering unique cover options for you and your loved ones. Their personal and family health insurance plan is easily accessible and allows you to get healthcare when you need it across the country.
Resolution Insurance has two options which are high end and the economy designed for middle-income people and families. It provides the best mid cost option mostly for families to access health insurance cover. The company has its head office located at Parkfield Place, Muthangari Drive, Off Waiyaki Way, Nairobi.
5. APA Insurance
APA Insurance has founded its good reputation as a life insurance company and investment provider with the Apollo Asset Management brand since its establishment in 1997. The company has attracted a big share of the medical market in providing health insurance covers to its clients.
APA Insurance provides enhanced family health cover (Jamii Plus) where they offer inpatient cover as the core cover, outpatient cover, maternity cover, dental & optical cover, last expense and personal accident benefit covers.
They have family health cover (Afya Nafuu) which covers everyone in the family, from a baby born at 38 weeks to an adult of 80 years. The company provides cancer care (Femina) which caters for breast and cervical cancer treatment for women.
APA Insurance provides the most competitive economy medical covers with a good health provider network across the country. The company has both economy and high end health plans which covers up to limits of KSh10 million. APA Insurance has its head office located at Apollo Centre, Ring Road Parklands, Westlands, Nairobi.
6. Britam Insurance Company
Britam provides various health insurance solutions that best suits you and your loved ones. It offers a Milele Health Plan and Kinga Ya Mkulima cover for individuals and families. There is Mediflex Corporate cover which provides inpatient and a fund-managed outpatient plans for employees and their dependents. Mediflex health cover is the best for Chamas with over 10 members, NGOs and registered companies.
Britam Milele Health Plan is the ideal health protection for you and your family as it covers your needs from hospitalization to post-hospitalization. The plan covers inpatient claims and is tailored to suit your needs and is affordable.
Kinga Ya Mkulima is tailored for small scale tea farmers registered with the Kenya Tea Development Agency (KTDA). This medical cover was engineered to protect the well-being of the whole family at the most reasonable cost and highest caution possible. Kinga Ya Mkulima is a wholesome family medical and life cover which caters for outpatient, inpatient and last expense benefit.
Britam also provides Afya Mikononi (Telemedicine) where doctors consult patients by use of video conferencing equipment. This allows long-distance clinician contact, reminders, advice, intervention, education, monitoring and remote admissions. Britam believes customers are their greatest asset and provide quality services through a professional team.
They ensure integrity, respect, client focus and innovation is achieved for excellent service delivery. The company aims at providing customers with outstanding health plans to ensure first class solutions to secure the future.
Britam has its head office at Britam Centre, Mara/Ragati Road Junction, Upperhill, Nairobi and operates across East Africa as well as Mozambique and Malawi.
7. First Assurance Company Limited
First Assurance Company Limited started its operations as Prudential Assurance Company PLC and later became a wholly owned Kenyan firm and is part of Absa Group Ltd.
The company’s vision is to be the trusted and preferred insurance company in Kenya. The mission is to offer assurance and quality services for all insurable financial and social expectations which add and create value for all stakeholders.
It offers various health insurance covers for customers which are affordable to purchase. They have lower limits of retail medical products with limits for inpatient services as low as KSh 100,000 annually all the way up to KSh 5 million.
First Assurance Company has a variety of flexible and accessible optional outpatient limits for health insurance plans for individuals and families up to 65 years of age. You can easily get affordable health insurance cover for you and your loved ones.
The head office is located at First Assurance House, Clyde Gardens, Gitanga Road, Lavington, Nairobi.