Medical cover guides
Medical cover guides for Kenya
Plain-language guides to every medical cover we compare — what each plan covers, the limits and bed entitlements, optional benefits, waiting periods and co-payments.
Insurers we compare
Heritage
HeriAfya Junior, HeriAfya Senior, HeriAfya Standard, HeriAfya Corporate
Read the guide →
Britam
Britam Milele Family, Britam Milele Junior, Britam Milele SME
Read the guide →
APA
APA Jamii Plus, APA SME Cover
Read the guide →
First Assurance
First Assurance First Med, First Assurance First Afya Biashara
Read the guide →
AAR
AAR Family Cover, AAR Junior Cover, AAR Senior Cover, AAR SME Cover
Read the guide →
CIC
CIC Medisure Family, CIC Senior Mediplan, CIC SME Medipack
Read the guide →
Jubilee
Jubilee J-Care, Jubilee J-Senior, Jubilee J-Biz
Read the guide →
At a glance
| Insurer | Cover types | Inpatient limits | Products |
|---|---|---|---|
| Heritage | Children only / Group and SME / Individual and family | KSh 500,000 to KSh 10,000,000 | HeriAfya Junior · HeriAfya Senior · HeriAfya Standard · HeriAfya Corporate |
| Britam | Children only / Group and SME / Individual and family | KSh 300,000 to KSh 10,000,000 | Britam Milele Family · Britam Milele Junior · Britam Milele SME |
| APA | Group and SME / Individual and family | KSh 250,000 to KSh 10,000,000 | APA Jamii Plus · APA SME Cover |
| First Assurance | Group and SME / Individual and family | KSh 250,000 to KSh 10,000,000 | First Assurance First Med · First Assurance First Afya Biashara |
| AAR | Children only / Group and SME / Individual and family | KSh 250,000 to KSh 20,000,000 | AAR Family Cover · AAR Junior Cover · AAR Senior Cover · AAR SME Cover |
| CIC | Group and SME / Individual and family | KSh 300,000 to KSh 10,000,000 | CIC Medisure Family · CIC Senior Mediplan · CIC SME Medipack |
| Jubilee | Group and SME / Individual and family | KSh 250,000 to KSh 10,000,000 | Jubilee J-Care · Jubilee J-Senior · Jubilee J-Biz |
How to read these guides
- Inpatient limit is the annual maximum the insurer pays for hospital treatment on that plan. Most other benefits sit inside it as sub-limits.
- Bed entitlement is the room the plan pays for — a daily rate for a private or shared room, up to the limit.
- Optional benefits (outpatient, maternity, dental and optical) are chosen on top of the inpatient cover and add to the premium.
- Waiting periods apply before certain conditions are covered; accidents are usually covered immediately.
- Co-payment is the amount you pay at the hospital for an outpatient visit on selected providers, and it varies by hospital tier.
Frequently asked questions
How do I choose between these medical covers?
Start with the cover type (individual and family, children only, or group), then the inpatient limit you want and whether you need outpatient, maternity, dental or optical benefits. The quote engine prices every plan that fits those choices side by side, so the comparison is like for like.
Is the cheapest plan the best one?
Not always. Plans at the same limit differ in their sub-limits, waiting periods, co-payments and the hospitals they access. Each quotation lists those differences, and the guide pages here explain what to look for.
Can I compare plans from more than one insurer?
Yes — that is the point of the site. Select the cover you need and leave the insurer list open, and quotations from every insurer that offers it are returned together.
What happens after I request a quotation?
You receive a quotation you can download and keep. Nothing is payable to Now Insurance Agency: premiums go directly to the insurer you choose once you are ready to proceed.
Compare every suitable plan at once
Tell us who is covered and the limit you want, and we price every insurer that offers it — then you choose.