Old Mutual Kenya Review: Insurance Products, Claims & What to Know

Author: Brian Nyabayo Ndege | Reviewer: GetCovered Kenya Editorial Team

Old Mutual Kenya Overview

Old Mutual is a prominent financial services provider in Kenya, offering a wide array of insurance, investment, and banking solutions. With a long-standing corporate heritage and a strong regional footprint across East Africa, the company provides both general and long-term (life) insurance products to individuals, families, and businesses. Through its comprehensive suite of medical plans, Old Mutual serves varying demographics, ensuring health coverage from birth to old age.

Old Mutual Company Profile

Information | DetailsCompany | Old Mutual General Insurance Kenya Limited & Old Mutual Life Assurance Kenya Limited
Country | Kenya
Headquarters | Old Mutual Tower, Upper Hill Road, Nairobi
Insurance type | General, Life, and Medical Insurance
IRA status | Licensed for 2026
Key products | Medical (AfyaImara), Life, Motor, Business
Parent/group | Old Mutual Group
Official website | oldmutual.co.ke
Last verified | August 2026

Is Old Mutual Licensed in Kenya?

Yes. According to the Insurance Regulatory Authority (IRA) 2026 licensed entities list, Old Mutual is fully authorized to operate in Kenya. It operates under two distinct licenses:

• Old Mutual General Insurance Kenya Limited is licensed for general insurance, including medical, personal accident, liability, fire, and motor insurance. 
• Old Mutual Life Assurance Kenya Limited is licensed to underwrite long-term insurance business, including life assurance, annuities, pensions, and group life. 

Insurance Products Offered by Old Mutual

Old Mutual provides a robust suite of insurance solutions. Their medical insurance portfolio is particularly extensive and highly segmented.

Medical Insurance

Old Mutual’s flagship health insurance brand is AfyaImara, which features tailored plans for different needs:

• SME Health Cover: Designed for businesses with 3 to 100 employees, offering inpatient limits from Kshs. 250,000 to Kshs. 10,000,000. It notably waives waiting periods for inpatient, outpatient, dental, optical, and maternity benefits for eligible enrolled groups. 
• AfyaImara Seniors Cover: An enhanced solution for individuals aged 65 to 80 years, offering lifetime renewals, no upper age limit once enrolled, and covering pre-existing conditions with inpatient limits up to Kshs. 10,000,000. 
• AfyaImara County Cover: An affordable family plan with limits ranging from Kshs. 100,000 to Kshs. 1,000,000. It covers pre-existing conditions and provides access to a selected network of affordable hospitals. 
• AfyaImara Junior: A dedicated cover for children from birth to 18 years, offering inpatient limits from Kshs. 500,000 to Kshs. 5,000,000, with an option to access care exclusively at Gertrude’s Children’s Hospital. 
• AfyaImara Family Cover: Comprehensive family health insurance covering day and inpatient hospitalization, maternity, and chronic conditions, featuring limits up to Kshs. 10,000,000. 
• AfyaImara Executive: A premium cover offering high limits up to Kshs. 20,000,000 (or $20,000 for dollar-denominated plans), access to high-cost providers, and worldwide geographical coverage. 

Life Insurance

Through Old Mutual Life Assurance Kenya Limited, the company offers personal life assurance, group life, and permanent health insurance. 

Business and Property Insurance

They offer comprehensive commercial solutions for businesses, including liability, engineering, fire domestic/industrial, marine, and theft insurance. 

Motor Insurance

Old Mutual provides motor private and motor commercial insurance policies. 

Old Mutual Claims Process

For medical claims under the AfyaImara plans, Old Mutual utilizes smart card technology (including virtual smart access via mobile devices) for seamless access at accredited providers. 

• Inpatient Scheduled Admissions: Members must notify the company at least 48 hours before admission to facilitate a Letter of Undertaking (LOU). 
• Emergency Admissions: Treatment starts immediately, and the hospital or member must notify Old Mutual within 24 to 48 hours. 
• Reimbursement: Permitted only for genuine medical emergencies in a setting where an appointed panel provider is unavailable, settled subject to customary and reasonable rates. 

Old Mutual Customer Service

Old Mutual emphasizes accessibility through digital health innovations:

• Telemedicine: Partnerships with providers like Sasa Doctor, Penda Health, and Livia Health allow members to consult doctors virtually and receive medication deliveries at home. 
• Pharmacy First Program: Allows members to seek immediate treatment for minor ailments at partner pharmacies like Goodlife and Haltons. 
• Patient Support Programs: Dedicated wellness programs for chronic disease management, diabetes reversal, and sickle cell disease. 

Old Mutual Branches and Contact Information

• Head Office: Old Mutual Tower, Upper Hill Road, P.O. Box 43013 - 00100, Nairobi, Kenya. 
• Phone: +254 (0) 711 065 100 / +254 (20) 2850 000. 
• Email: medicalretailretention@oldmutual.co.ke. 
• Website: oldmutual.co.ke. 

What Old Mutual Does Well

• Specialized Medical Packages: Their segmented plans excellently target diverse demographics, ensuring specialized coverage for seniors, children, and SMEs. 
• Value-Added Wellness: Strong emphasis on preventative care, telemedicine, telecounselling, and chronic disease support. 
• No Waiting Periods on SME Health: Eligible SME plans feature no waiting periods for standard inpatient, outpatient, dental, and optical benefits. 

Things to Consider Before Choosing Old Mutual

• Network Restrictions and Co-pays: Affordable plans like AfyaImara County limit access to a selected network of hospitals. Higher-tier hospitals like The Nairobi Hospital or Aga Khan attract hospital co-pays ranging from Kshs. 1,000 to Kshs. 2,000 on certain retail plans. 
• Retail Waiting Periods: Individual and family retail plans enforce standard waiting periods (e.g., 28 days for acute illnesses, 1 year for maternity and pre-existing conditions). 
• Reimbursement Caps: Outpatient claims at non-panel providers are strictly controlled and may be capped or limited to customary rates. 

Who May Consider Old Mutual?

Old Mutual is highly suitable for:

• Families and Individuals: Seeking specialized medical covers like AfyaImara Junior for children or AfyaImara Seniors for elderly parents.
• SMEs and Corporates: Looking for flexible group health benefits with robust wellness add-ons and minimal waiting periods.
• Digital-First Consumers: Those who appreciate convenience through virtual smart cards, telemedicine, and pharmacy-first services.

Old Mutual vs Other Insurance Companies in Kenya

When comparing Old Mutual to competitors, consumers should weigh the extensive wellness benefits and demographic-specific plans against premium costs and hospital co-pay structures. The AfyaImara Seniors and Junior covers stand out in a market where specialized age-bracket plans are often limited.

How to Get Insurance from Old Mutual

To obtain an Old Mutual insurance policy, customers can apply directly through their nationwide branches, via their official website, or through a licensed insurance intermediary.
GetCovered Kenya can help customers compare available insurance options and obtain quotations from participating insurers to find the plan that best fits their needs.

Frequently Asked Questions

• Is Old Mutual licensed in Kenya? Yes, Old Mutual is licensed by the IRA for both general and long-term insurance business for the year 2026. 
• What insurance does Old Mutual offer? They offer medical, life, motor, travel, personal accident, and commercial property insurance. 
• Does Old Mutual offer medical insurance for seniors? Yes, they offer the AfyaImara Seniors cover tailored for individuals aged 65 to 80 years with lifetime renewal eligibility. 
• How do I make a claim with Old Mutual? Medical claims are predominantly paperless via a smart card at accredited hospitals. For scheduled admissions, a 48-hour pre-authorization notification is required. 
• Where is Old Mutual located in Kenya? Their headquarters is located at Old Mutual Tower, Upper Hill Road, Nairobi. 
• How can I compare Old Mutual with other insurers?
• You can compare Old Mutual's coverage limits, provider network restrictions, and premiums against other insurers on the GetCovered Kenya platform.