Kenya now runs on two layers of health cover — mandatory SHA and optional private insurance. This 2026 guide breaks down what each actually pays for, real premium ranges, the 10 things to compare before buying, and how to verify a licensed insurer.
This authoritative 2026 guide lists all IRA-licensed Kenyan health insurers. It teaches readers how to strategically compare actual policies—focusing on inpatient limits, networks, and pre-existing conditions—while clarifying the relationship between private cover and the government’s Social Health Authority (SHA).
Do you need private medical insurance if you have SHA? Compare SHA and private health insurance in Kenya, including benefits, costs, hospital access and what to check before buying.
Discover the best health insurance companies in Kenya in 2026. We compare Jubilee, Britam, AAR, Old Mutual, APA and more to help you choose the right medical cover for your family and budget.