Top 10+ Medical Insurance Companies in Kenya

Updated on June 10, 2024: The article has been revised to include benefits of medical insurance companies in Kenya and detailed descriptions of specific insurance plans offered by each company, such as First Assurance’s comprehensive marine insurance coverage and AAR Insurance’s expanded range of medical services. Additionally, contact details for each company have been updated to ensure accuracy and accessibility for readers seeking more information or assistance.

No one ever dreams of getting sick or a family member or a friend getting sick. However, it is essential to take steps to mitigate medical costs in case sickness knocks on your door.

To help mitigate these medical costs to be incurred in case of a medical emergency, insurance is needed. Read on to find the list of the best medical insurance companies in Kenya providing health insurance to millions of Kenyans. 

Benefits of Medical Insurance Companies in Kenya

Financial Protection

Medical insurance provides a safety net for individuals and families, covering high medical costs and preventing financial strain due to unexpected health issues. This protection ensures that people can access necessary medical care without worrying about the expenses.

Access to Quality Healthcare

• Network of Reputable Hospitals – Insurance policies often include a network of reputable hospitals and clinics, guaranteeing that policyholders receive high-quality medical care from trusted healthcare providers.
• Comprehensive Coverage Options – Medical insurance plans in Kenya typically offer extensive coverage, including inpatient and outpatient services, maternity care, dental services, and chronic disease management. This comprehensive coverage ensures that all aspects of healthcare are addressed.

Preventive Care

• Regular Check-Ups and Screenings – Many insurance plans cover preventive services such as vaccinations, regular check-ups, and screenings. These services help in the early detection and management of health issues, promoting long-term well-being.
• Wellness Programs – Insurance companies often provide wellness programs aimed at encouraging healthy lifestyles. These programs include fitness activities, nutritional advice, and health education, contributing to overall preventive care.

Peace of Mind

Having medical insurance offers peace of mind by reducing stress and anxiety related to potential health problems and their financial implications. Policyholders can focus on recovery without the added worry of medical bills.

Customized Plans

• Individual and Family Plans – Insurance companies offer a variety of plans tailored to meet the diverse needs of individuals and families. These plans are designed to provide optimal coverage based on specific healthcare requirements.
• Corporate Plans – Corporate health insurance plans cater to businesses, ensuring that employees have access to necessary medical services. This benefit can improve employee satisfaction and productivity.

Health Advice and Assistance

Additional support services include access to health advice and assistance programs. These services enhance the overall healthcare experience, ensuring that policyholders receive the necessary guidance for their health concerns.

Top Medical Insurance Companies in Kenya

These are the best medical insurance you can find in Kenya:

1. First Assurance Company Limited

This company is among the best medical insurance companies in Kenya. First Assurance Company Ltd came into existence after the exit of Prudential Assurance Ltd in January 1991. The company’s mantra is ‘insure, secure and assure’.

To show how efficient this company was in 2018, it was recognized by the 27th International Europe Award for Quality. Under its medical insurance cover, it offers a wide variety of products with different cost values. These medical cover values are between Kes.200,000 to Kes. 2500,000.

One of the most extensive insurance plans for the marine sector is provided by the company. Marine insurance covers ships, cargo, and valuables against loss or damage from the point of departure to the point of arrival.

You have to make sure that valuable cargo is protected from loss or damage whether it is being transported by land, air, or water. The First Assurance is applicable in this situation. It guards against loss or damage to goods while they are being transported from the first loading zone to their destination.

Contact details

Location: Clyde Gardens First Assurance House, Gitanga Road, Lavington

Address: P O Box 30064-00100 – Nairobi, Kenya

Tel: 254 – 20 – 2900000 | 3877737 Wireless: 020-2692250

2. G.A. Insurance Ltd

GA Insurance offers its services in both Kenya and Tanzania. This company has been in the Kenyan market for over 50 years. Additionally, apart from offering medical insurance covers, the company also underwrites other classes of risk. Some of the products offered under its medical insurance cover include:

Surgicare shoulders the financial burden of surgical expenses related to heart, cancer, vascular, and orthopaedic among others up to Kes. 20M. G.A. assist – Covers medical evacuation emergencies

Location: G.A. Insurance House Ralph Bunche Road

Address: P.O. Box 42166 – 00100 Nairobi 4th Fl.

3. AAR Insurance Africa

One of the most established and respectable insurance providers in Kenya is AAR Insurance. In 1984, it started conducting business in the nation. The company’s original plan was to transport accident victims via air and land.

Nonetheless, over time, AAR has increased the range of products it offers to customers. Individuals and businesses who have an AAR health insurance policy benefit from comprehensive coverage that covers maternity and mental health consultations and treatments, as well as chronic and congenital illnesses.

AAR Insurance Africa has a presence in three East African countries. These are Kenya, Uganda, and Tanzania. For peace of mind, the company has products under the family and personal medical cover. It’s worth noting that this insurance company is primarily for health insurance. Further to this, it has its health centres or hospitals which its subscribers could opt to visit for treatment. Therefore making it one of the best medical insurance companies in Kenya. 

Some of the products offered under this cover include:

• Individual and Family medical plans
• Business Enterprise medical plan
• Doctor’s indemnity cover

Location: Real Tower, Upperhill, Nairobi, Kenya

Phone: +254 703 063000,   +254 730 633000   +254 20 2895000

Email: info@aar.co.ke

Related: List of Private Health Insurance Companies in Kenya.

4. Heritage Insurance Company

Heritage Insurance provides short-term insurance coverage. It is through its unique client offerings and outstanding claims settlement that it has gunned customer confidence over the years.

Under its medical insurance cover, it offers various products such as Heritage Flexi, Blue Cover, Blue Core, Blue Lite, and Blue Classic. These product offerings have different specifications to meet diverse customer needs.

Location: CFC House, Mamlaka Road

Tel: +254 20 2783000 / 2726439 / 2726440

Mobile: 0711 039 000/ 0734 101 000

Email: info@heritage.co.ke

5. Allianz Insurance Company Ltd

Allianz Kenya is part of the Allianz Group, a worldwide leader in insurance and Asset Management. The company has a presence in more than 70 countries worldwide making it one of the best medical insurance companies in Kenya.

Due to its extensive global footprints, Allianz Kenya has unrivalled Knowledge and expertise in underwriting all classes of risk. The other unique thing about its cover is that its medical cover can be bought online from their website. Its medical cover is very diversified as it has the following services:

• Inpatient and outpatient cover
• Maternity costs
• Dental cover
• Optical treatment
• Emergency assistance

6. APA Insurance

APA Insurance is a merger of Apollo Insurance Company and Pan Africa General Insurance. This company is one of a kind as it targets both long-term and short-term insurance. Under its medical insurance cover, it has three main products:

• Health corporate – for companies with more than ten people
• Femina – Covers women’s needs
• Jamii Plus and Afya Nafuu – For families and individuals

Location: Apollo Centre, Westlands

Mobile: 0709 912 777

Tel: O20 286 2000

7. Britam

British-American Insurance Company (Britam) is part of the British-American Investments Company Limited. The company is listed on the Nairobi Securities Exchange (NSE). This company is the leading provider of the best medical insurance covers in Kenya today. The company has a variety of products under its medical insurance cover all over Kenya.

Location: Head Office Britam Centre Mara/Ragati Road Junction, Upperhill

Address: P.O. Box 30375-00100, Nairobi

Tel: (020) 2833000

Mobile: +254 703 094 000

8. CIC Group

CIC Group offers flexible and innovative insurance products to Kenyans for over three decades now. Just like Britam, the CIC Group has been listed at the Nairobi Stock Exchange Market reporting a 62% annual growth. Apart from offering health insurance covers, the company has a wide range of other products. Such products include; general insurance, life assurance, asset management, and CIC pension.

Additionally, Under the health insurance cover, the company has three major subdivisions:

• CIC medisure corporate
• The CIC medisure family
• CIC Medipak insurance

Location: CIC Plaza, Mara Road, Upperhill Nairobi, Kenya

Mobile: (+254) 703 099 120

9. Kenindia Assurance Company Limited

Kenindia Insurance is a result of a merger of various Indian insurance companies in 1978. Under Kenindia Medical cover, there are three major products. Such are explained below:

• Health save plan
• Corporate health plan
• Individual/Family plan

10. Kenyan Alliance Insurance Company Ltd

The Kenya Alliance Insurance Company has been present in the Kenyan market for more than one century but was incorporated into its current identity in 1980. Kenyan Alliance Insurance has evolved into one of the most financially sound composite insurance companies in Kenya.

Moreover, the company has a regional presence in Mombasa, Nakuru, Kisumu, Karatina, Meru, Thika, Machakos, Kitui, Westlands, Kitengela, Industrial Area and Kakamega. The health insurance coverage for Kenyan Alliance insurance has three significant plans: a corporate health plan, an SME plan as well as family package plan.

As a member of the Association of Kenya Insurers, the company has developed into one of Kenya’s top insurance providers. with a paid-up capital of Ksh. 700 million and an asset base of Ksh. 6.8 billion. These days, the company offers some of Kenya’s greatest auto insurance policies.

11. Madison Insurance

This is a Kenyan insurance company that has been in operation since 1988. Madison Insurance Company provides comprehensive, life and health insurance coverage to its clients. It is privately owned as a limited company.

Its Medical cover is known as Alpha Health and it is subdivided into individual, family, and budget plans. Madison Insurance has a specific medical cover for private school support staff known as KPSA.

12. Jubilee Insurance

Jubilee Insurance is one of the leading insurance companies in Kenya, offering Medical insurance in Kenya. The company has a presence in Kenya, Uganda, Tanzania, and Rwanda. The health insurance coverage provided by Jubilee covers people regionally.

Other benefits include access to the Jubilee mobile phone app and other add-on services for its members. As of today, Jubilee has the best medical insurance cover.

You may also like Personal insurance Companies in Kenya.

Best Medical Insurance Companies in Kenya – FAQs

What factors should I consider when choosing a medical insurance company?

When selecting a medical insurance company, consider factors such as coverage options, network of healthcare providers, premiums, deductibles, co-payments, claim settlement process, customer service, and reputation in the market.

Which medical insurance companies offer comprehensive coverage in Kenya?

Several medical insurance companies in Kenya offer comprehensive coverage, including Jubilee Insurance, APA Insurance, AAR Insurance, CIC Insurance, Madison Insurance, and Britam Health Insurance.

Are there specialized medical insurance plans available in Kenya?

Yes, some medical insurance companies in Kenya offer specialized plans tailored to specific needs, such as maternity cover, outpatient services, dental care, optical care, and chronic illness management.

How can I compare medical insurance plans to find the best option for me?

To compare medical insurance plans effectively, review the coverage limits, exclusions, waiting periods, pre-existing condition clauses, premium rates, and additional benefits offered by each plan. Additionally, consider your healthcare needs and budget constraints when making comparisons.

Can I purchase medical insurance for my family members?

Yes, most medical insurance companies in Kenya offer family health insurance plans that cover spouses, children, and sometimes extended family members. These plans often provide comprehensive coverage for the entire family under a single policy.

Are there age restrictions for enrolling in medical insurance plans?

While age restrictions may vary among insurance companies, many providers offer medical insurance plans with no upper age limit for enrollment. However, premiums and coverage options may differ based on the applicant’s age and medical history.

Final Words

Selecting the right medical insurance company and plan is essential for safeguarding your health and financial well-being. By considering the factors mentioned above and understanding your coverage options, you can make an informed decision that meets your healthcare needs and budget requirements.