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Health Insurance
Health Insurance
Help & Support – We’re Always Here
Why Thousands of Kenyans Trust GetCovered Kenya
Top Private Health Insurance Plans in Kenya 2026
What’s Included in Most Plans:
Bonus Perks:
The GetCovered Kenya Advantage
Indicative Pricing for Popular Covers (2026)
Frequently Asked Questions
1. What is the best private medical insurance in Kenya right now?
2. How much does good private health insurance really cost?
3. Does private insurance still make sense with SHIF in place?
4. Are pre-existing conditions covered?
5. How does the claims process work?
6. Which hospitals can I visit?
7. Can I cover my parents or extended family?
8. What if I need to make a claim while abroad?
[Or WhatsApp Us for Instant Help]Disclaimer:
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Get a KSh 500,000 Health Cover from as low as KSh 1,200 per month*Quality healthcare without the financial pain. Walk into top private hospitals with cashless treatment and full peace of mind.
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Help & Support – We’re Always Here
- Kenyans in Diaspora: +254 7XX XXX XXX (WhatsApp & Calls)
- Sales & New Quotes: 0800-XXX-XXX (Toll-Free)
- Existing Customers & Claims: Log in or call your registered number
- Policy Renewals & Support: 0800-XXX-XXX
Our team responds within minutes during business hours.
Why Thousands of Kenyans Trust GetCovered Kenya
- 1 Million+ Kenyans served across insurance products
- 20+ Leading Insurance Partners (Jubilee, Britam, CIC, Old Mutual, AAR & more)
- 500,000+ Policies issued
- Kenya’s Fastest-Growing Digital Insurance Platform
- Rated Excellent for claims support and customer experience
Real protection. Real people. Real results.
Top Private Health Insurance Plans in Kenya 2026
Whether you need individual cover, family protection, or senior care, we have a plan that fits your life and budget.Popular Plans:
- Individual Plans — Starting from KSh 800–1,500/month (KSh 500,000 to KSh 2 Million inpatient cover)
- Family Plans — Comprehensive protection for you, spouse & up to 4 children
- Senior Citizen Plans (60+) — Special focus on chronic conditions, hospitalization & critical illness
- Corporate & Group Plans — For businesses and SACCOs
What’s Included in Most Plans:
- Inpatient hospitalization (surgery, ICU, theatre fees)
- Outpatient consultations, lab tests & medication
- Maternity & antenatal care (after waiting period)
- Dental & Optical add-ons
- Chronic illness management (cancer, diabetes, hypertension, etc.)
- Emergency ambulance & evacuation
- Direct cashless treatment at leading hospitals (Aga Khan, Nairobi Hospital, Karen, MP Shah, Avenue, etc.)
Bonus Perks:
- 5–10% discount when you buy online
- Lipa Mdogo Mdogo – Flexible monthly instalments via M-Pesa
- No-claim bonus on renewal
- Fast digital policy issuance (often same day)
[Compare All Plans Side-by-Side →]
The GetCovered Kenya Advantage
- Unbiased Comparison — We shop across 20+ insurers so you get the best value
- Expert Guidance — Licensed brokers who explain everything in plain English
- Claims Support — Dedicated specialist helps you from day one of a claim (average response under 30 minutes)
- Hospital Network — Access to Kenya’s best private hospitals with direct billing
- Pre-existing Conditions — Options available after standard waiting periods
- Diaspora Friendly — Easy purchase and management for Kenyans abroad
We don’t just sell policies — we help you choose the right one and stay protected for years.
Indicative Pricing for Popular Covers (2026)
- KSh 1,200/month — KSh 500,000 inpatient cover for a healthy 25–35 year old
- KSh 2,300–3,500/month — KSh 1 Million comprehensive family plan (couple + 1–2 children)
- KSh 4,000+/month — Higher limits (KSh 2M–5M) with enhanced outpatient & chronic cover
No medical examination required for most applicants under certain age and sum insured limits. Prices vary based on age, number of members, and chosen benefits.Pro Tip: Buying early (before age 40 or before a medical event) gives you lower premiums and better terms.
Frequently Asked Questions
1. What is the best private medical insurance in Kenya right now?
Jubilee, Britam, and CIC consistently rank highest for claims settlement ratio and customer satisfaction. We’ll show you which one fits your needs and budget best.
2. How much does good private health insurance really cost?
From KSh 1,200 per month for solid individual cover up to KSh 20,000+ for very high-limit family plans. Monthly payments make it affordable for most families.
3. Does private insurance still make sense with SHIF in place?
Yes. SHIF provides a basic layer, but private cover gives you faster access, higher limits, better hospitals, and additional benefits like dental, optical, and international treatment.
4. Are pre-existing conditions covered?
Many plans cover them after a 12-month waiting period. Some enhanced plans offer better terms — we’ll find the right option for you.
5. How does the claims process work?
Inpatient: Present your card at an approved hospital for cashless treatment.
Outpatient: Pay and submit receipts or use direct billing. We guide you step-by-step for fast reimbursement.
6. Which hospitals can I visit?
Hundreds of quality facilities including Aga Khan, Nairobi Hospital, MP Shah, Karen Hospital, Gertrude’s, and many countywide.
7. Can I cover my parents or extended family?
Yes. We offer parent/senior plans and extended family options.
8. What if I need to make a claim while abroad?
Selected plans offer international emergency cover and evacuation — ideal for Kenyans in the diaspora.
Ready to Protect Your Family’s Health?Stop gambling with medical bills. Get comprehensive private medical insurance that gives you access to quality care when you need it most.Join thousands of smart Kenyans already protected by GetCovered Kenya.[Get Your Free Quote Now →]
[Or WhatsApp Us for Instant Help]Disclaimer:
This page is for informational purposes. GetCovered Kenya is a licensed insurance agent in Kenya. Actual premiums, benefits, exclusions, and terms vary by insurer and your personal profile. All policies are underwritten by IRA-licensed insurance companies. You may cancel within the free-look period as per regulations.
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