Corporate & SME Health Cover
“Comprehensive employee medical protection designed to support workforce wellbeing, productivity, and business continuity”
Did you know that employee healthcare benefits are consistently ranked among the most valued workplace benefits in Kenya?
Corporate health insurance provides structured medical protection for employees and, where applicable, their dependents — helping businesses manage healthcare costs while ensuring staff have access to quality treatment when they need it most.
From outpatient consultations and hospitalization to maternity and chronic illness management, corporate medical cover helps organizations build healthier, more productive teams while reducing the financial burden associated with unexpected medical emergencies.
Whether you’re a startup, SME, NGO, or large enterprise, we help you structure scalable corporate health solutions through leading Kenyan insurers — tailored to your workforce size, industry, and budget.
Why You Need Health Cover
Healthy employees are essential to a healthy business.
A structured corporate medical plan ensures:
- Access to quality healthcare for employees
- Reduced financial stress during medical emergencies
- Improved employee satisfaction and retention
- Reduced absenteeism and downtime
- Enhanced workplace productivity
- Stronger employer brand and talent attraction
Without proper health coverage, medical emergencies can negatively impact employee wellbeing, morale, and overall operational efficiency.
Corporate Health cover
Who This Plan Is For
Who Should Consider This Cover?
This plan is ideal for:
- SMEs and growing businesses
- Corporates and large enterprises
- NGOs and non-profit organizations
- Schools and educational institutions
- SACCOs and cooperatives
- Companies seeking competitive employee benefits
If your business relies on people, corporate health insurance becomes a critical investment in operational stability and workforce wellbeing.
Coverage
WHAT’S COVERED
01.
Core Benefits
We aim at understanding and caring for patients and colleague’s needs and wants, by attentive listening and putting ourselves in people’s shoes.
- Inpatient Hospitalization
- Outpatient Treatment
- Specialist Consultations
- Diagnostic Tests & Scans
- Prescription Medication
- Emergency Treatment
- Maternity
- Dental & Optical
- Chronic Condition Management
01.
Optional Enhancements
We aim at understanding and caring for patients and colleague’s needs and wants, by attentive listening and putting ourselves in people’s shoes.
- Executive/Enhanced Staff Plans
- International Treatment Options
- Last Expense/Funeral Cover
- Wellness Programs & Health Checks
- Mental Health Support Services
- Co-pay Customization
- Family Dependent Inclusion
- Critical Illness Riders
What Determines Your Premium?
Typical Corporate Structure:
- SMEs may structure entry-level outpatient + inpatient plans
- Larger organizations often include executive tiers, dependents, dental, and optical benefits
Your corporate medical premium depends on:
- Number of employees covered
- Average employee age bracket
- Selected benefit limits
- Outpatient inclusion
- Maternity and dependent cover
- Industry risk exposure
- Claims history
- Co-payment structure
- Optional riders and enhancements
We help businesses balance affordability, employee satisfaction, and sustainable long-term coverage.
Frequently Asked Questions
What is corporate health insurance?
Corporate health insurance is a medical cover provided by an employer to employees, helping cover healthcare expenses such as hospitalization, outpatient treatment, and specialist care.
Can employees include their families?
Yes. Many corporate medical plans allow inclusion of spouses and children as dependents, either fully or through optional add-ons.
Is there a minimum number of employees required?
Most insurers require a minimum number of employees for corporate schemes, though requirements vary depending on the provider.
Can different staff levels have different benefits?
Yes. Companies can structure separate benefit tiers for management, executives, and general staff under one scheme.
Are pre-existing conditions covered?
Coverage for pre-existing conditions depends on the insurer and may involve waiting periods or underwriting terms.
How are claims handled?
Most providers offer cashless treatment through approved hospital networks, while reimbursement claims are processed for eligible out-of-network expenses.