Best Insurance To Go For Medical Cover in Kenya


Medical Cover is one of the best insurance policies to take in Kenya. There are several insurance companies offering this policy bit only a few have excellent rating.

Since insurance products demand mutual and binding agreement, it’s wise to take your policy from a trusted insurance company.

If you are an individual or are acting on behalf of a company, these are the best insurance companies to approach.


Jubilee insurance is the most trusted insurance company in regards to medical cover. The company provides the cover to individuals as well as corporations.

Products and benefits offered by their cover include:

Benefits offered under Medical Insurance

Main Benefit

A fully insured In-patient scheme.

Optional Riders

  • A fully insured out patient scheme
  • A fully insured Dental and optical cover
  • A fully insured Maternity Cover
  • Last/Funeral expense cover
  • Excess of Loss Cover

Enhanced benefits

  • Cover for Pre-existing and chronic conditions
  • Opportunistic infections of HIV conditions

Other benefits offered at a fee

  • Fund management / Scheme administration only
  • HIV management programme / administration only.

Structure of Cover

Cover can be either on a:

  • Per Family /shared limit. The family shares the cover on a first come first to claim basis until the limit is exhausted.
  • Per person basis. Each member has own limit.

Scheme Membership:

  • All Permanent Employees, aged between 18 to 65 years.
  • One Legal Spouse per principle member.
  • Own or legally adopted child from 0 months (a term baby) to 18 years (or 23 Years for a child who is a fulltime school or college students).

Scope of Cover

Coverage for Hospitalization (Inpatient Cover)

Limit of cover offered: Minimum Kshs.100,000 to a maximum 5,000,000
Inpatient cover provides for medically necessary hospital bed charges, doctor’s bills, anesthetist’s bills, operating theatre fees, ICU expenses, day surgery,physiotheraphy pharmacy, laboratory and investigations reasonably incurred by an insured member. Local road and air evacuation is also included. This cover will be on credit facility with our providers.


Limit of cover offered: Kshs. 30,000 to 300,000
Outpatient cover provides for medically necessary consultation fees, investigatory procedures (laboratory & radiology), referral to specialists, pharmacy and dressings Cover will be on credit facility basis with our providers and on 80% re-imbursement.


Limit of cover offered: Kshs. 10,000 to 30,000
This provides for:

  • Cost of fillings
  • X-rays.
  • Extractions including surgical extraction together with anaesthetics fees


Limit of cover offered: Kshs. 10,000 to 30,000
This provides for:

  • The cost of eyeglasses and eye testing.


This benefit shall cover

  • Delivery fees, consultation and treatment for both mother and child only during the period of confinement in hospital.
  • Costs for miscarriages and abortions may be covered, provided they are certified by a gynaecologist as being necessary to save the life of the mother.
  • This benefit is only available to staff/spouse

Service Providers

Provider network (available on credit):

  • Jubilee has a comprehensive panel of service providers we work with across the country and in East Africa (Uganda, Tanzania, Burundi). Overseas network (available on credit):
  • Prince Aly Khan Hospital – Mumbai, India
  • Aga Khan University Hospital – Karachi Pakistan

Why should I consider Jubilee?

At Jubilee, we:

  • Guarantee confidentiality of member data and medical information.
  • Provide clear communication of scope of cover to employer/members
  • Maintain access to all the accredited hospitals
  • Audit of bills and the utilization of the scheme by members
  • Ensure prompt settlement of claims
  • Issue policy document and photo cards promptly
  • Issue quarterly expenditure statement and call for review meeting.
  • Observe the principal of Utmost Good Faith
  • Issue policy document and photo cards promptly

Unique Features of Our Medical Cover

  • Regional presence-Jubilee provides seamless and borderless coverage within East Africa region and specifically in Kenya, Uganda, Tanzania and Burundi for organisations with spread in these regions or those that require this spread of coverage
  • An all-inclusive scheme covering pre-existing, chronic and HIV conditions is available
  • Expertise and Experience
  • Financial strength
  • High rating with the healthcare providers Competitive pricing
  • Flexibility and customization– Ability to tailor-make schemes for our clients.
  • Ability to facilitate health talks/wellness program and medical camps for our clients. Periodic comprehensive scheme analysis reports and member statements
  • 24-hour department and call centre-clients and providers are able to reach us at any time


Resolution insurance is also an excellent insurance medical cover provider. Customers speak fondly of this insurance company, because they provide the best customer services in the country and on top of it ensure they have a wide range of hospitals where you can seek treatment with the cover.

The company has a package for both inpatient and outpatient individuals, which go up to Ksh 1 million for inpatient and Ksh100,000 for outpatient.


If there is an insurance company to trust when it comes to insurance products, then heritage is one.This insurance ensure your cover caters for general and chronic diseases.

Details of their cover are as follows:

BLUE Health Cover is a suite of health insurance products offering a comprehensive set of health benefits to employer groups in Kenya and across the continent of Africa.
We cater for healthcare needs across a number of different income brackets to ensure the most comprehensive cover at affordable rates.
A core option which offers in–country cover to families living in Kenya for Hospitalisation, Chronic Care and Major diseases. Outpatient benefits are not available under this option. This option is suitable for young and healthy populations who do not require outpatient care but would like the security of knowing that major inpatient events are taken care of.
An option which offers cover to families living in Kenya for outpatient treatment, hospitalisation, chronic care and major disease benefits. This benefit is suitable for members who are based in Kenya and wish to take care of essential health care needs.
A core option which offers more comprehensive cover within greater East Africa (Kenya, Uganda, Tanzania, Rwanda, Burundi and Southern Sudan) for outpatient treatment, hospitalization, chronic care and major disease benefits. This option also includes international emergency evacuation and is suitable for members who travel frequently within the East African Region
An option which offers coverage within the African Continent for outpatient treatment, hospitalization, chronic care and major disease benefits. This option also includes international emergency evacuation with extension to India where treatment is not locally available. This benefit is most suitable for members travelling regularly across Africa.
A World Wide benefit option that offers more comprehensive cover for outpatient treatment, hospitalization, chronic care and major disease benefits. This option includes international emergency evacuation and is suitable for members and expatriates who frequently travel worldwide.


AON Kenya is the sole insurance company which offers medical cover for TSC and Kenya Police service. That alone should tell you this is a trusted insurance company.


UAP Insurance is a giant institution, which specializes in asset management, real estate, mortgages and providing reliable insurance products. The company has existed in Kenya for more than 2 decades, making it one of the most stable insurance companies in the country.

At UAP Insurance, you will be provided with affordable inpatient and outpatient medical covers.