Individual Family Health Cover
Individual cover
Individual Family Health Cover
Comprehensive medical protection designed to safeguard you and the people who matter most.
Healthcare costs continue to rise, and unexpected medical events can disrupt financial stability. Our Individual and Family Health Insurance solutions provide structured, reliable coverage for hospitalization, outpatient care, maternity, chronic conditions, and emergency treatment.
Whether you’re self-employed, employed without employer benefits, or securing protection for your family, we tailor policies to match your healthcare priorities and budget.
Why You Need Health Cover
Kenya’s healthcare costs have risen significantly over the past decade. A single hospitalisation, surgical procedure, or specialist consultation can cost hundreds of thousands of shillings, expenses that can wipe out savings or force families into debt. Health insurance ensures you and your loved ones can access quality medical care immediately without financial strain, delay, or compromise
Why Individual Health Insurance Matters
Medical emergencies are unpredictable. A structured health plan ensures:
Immediate access to quality medical care
Protection from large hospital bills
Financial stability during unexpected illness
Coverage for routine and specialist treatment
Peace of mind for your family
Without proper coverage, even minor procedures can result in significant out-of-pocket expenses.
Individual cover
Who This Plan Is For
Who Should Consider This Cover?
This plan is ideal for:
Self-employed professionals
Entrepreneurs and business owners
Families without corporate insurance
Individuals seeking private healthcare access
Parents securing medical protection for children
If you do not have employer-sponsored medical benefits, this coverage becomes essential financial protection.
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.
- International Treatment Options
- Higher Benefit Limits
- Co-pay Adjustments
- Family Dependents Add-on
- Critical Illness Riders
What Determines Your Premium?
Your health insurance premium is calculated based on a combination of personal and coverage factors. Understanding these factors helps you make informed decisions when selecting a plan. We work with you to structure the most cost-effective cover that does not compromise on essential benefits.
Your premium depends on:
Age of insured members
Number of dependents
Selected benefit limits
Outpatient inclusion
Maternity coverage
Pre-existing conditions
Co-payment structure
We help structure coverage to balance affordability and protection.
Frequently Asked Questions
What is the difference between inpatient and outpatient cover?
Inpatient covers hospitalization and procedures requiring admission. Outpatient covers doctor visits, consultations, and prescriptions without admission.
Can I include my children?
Yes. Family plans allow spouse and children under one policy.
Are pre-existing conditions covered?
Most insurers apply waiting periods before covering pre-existing conditions.
Can I upgrade my cover later?
Yes, subject to underwriting and insurer approval.
What is the difference between inpatient and outpatient cover?
Inpatient covers hospitalization and procedures requiring admission. Outpatient covers doctor visits, consultations, and prescriptions without admission.
Can I include my children?
Yes. Family plans allow spouse and children under one policy.
Are pre-existing conditions covered?
Most insurers apply waiting periods before covering pre-existing conditions.
Can I upgrade my cover later?
Yes, subject to underwriting and insurer approval.