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How to Choose the Right Health Insurance Plan in Kenya

Health insurance is the cover people claim on most often — and the cover where small print matters most. Here's what to compare before you buy.

First, check the inpatient limit and whether outpatient benefits are included. Second, understand waiting periods — most policies impose them for maternity, chronic conditions and pre-existing illnesses. Third, look at the provider network: are the hospitals you actually use on the panel?

For families, check how dependents are covered and until what age. For older applicants, confirm entry-age limits and loadings. For businesses, group schemes can unlock better terms than individual cover.

Finally, compare the insurer's claims reputation, not just the premium. A broker sees which insurers pay claims smoothly — that experience is worth more than a small price difference. Talk to us and we'll compare the market for you.