Medical Insurance

10 affordable medical insurance policies in Kenya

They say to expect the unexpected and when it comes to your health, this couldn’t be more accurate. It’s hard to tell when you’ll fall sick or suffer injuries from an accident that requires specialized medical attention. Additionally, we need medical checkups every now and then to ensure that we’re in good health.

Whether your health takes a dramatic turn for the worst or you simply need a routine checkup, medical care can be costly. If you’re not prepared for these moments, it can not only cost you your peace of mind but also it can cost a fortune which is why many people take a medical insurance cover to mitigate the costs. However, finding the right medical cover can be a headache especially if you’re on a budget.

Here’s a list of affordable medical insurance policies in Kenya.

Avenue Health Medical Insurance

Avenue Healthcare prides itself on offering quality and affordable health services to the community. This includes an affordable health insurance plan to mitigate high medical bills. The cover premium rates for an adult who is 35 years of age covering Unlimited Outpatient visits and Ksh1 million inpatient are KSh27,000 per annum. People under this medical cover can access treatment in any Avenue Healthcare facility countrywide. They have over 20 facilities all over the country. However, the cover is only available for groups and not for individuals or families.


M-TIBA prides itself on providing affordable and accessible healthcare for all. This healthcare system allows you to set aside some funds for your medical expenses starting with as little as Ksh 10. It’s an ideal plan for low-income earners since the payments are flexible. The funds are managed by UAP Insurance and can only be used to pay for medical services and medication. They’ve also partnered with Jubilee Insurance to provide insurance coverage for SACCO members. The minimum premium is Kshs 4,265 annually which comes with an inbuilt maternity cover, last expense, and personal accident cover


Equihealth is another healthcare that targets individuals in a group. To qualify, you must be in a group of not less than 10 people. The cover has a family shared limit of Ksh 300,000 and an affordable premium of Ksh 15,000 per year for the principal member and five dependants and an additional Ksh 1,500 for an extra dependant. It provides caters to daily bed limits, intensive care, theatre costs, nursing fee, surgeons, physicians fees, drugs, medicine, x-rays, diagnostic tests and procedures. The maternity cover caters for normal and CS delivery, including pregnancy-related complications within the overall limit is covered up to Ksh 30,000. The cover also caters for the following newly diagnosed or pre-existing health conditions to a limit of Ksh 150,000. Inpatient dental and optical treatment is fully covered within the limit.

Britam Insurance Afya Tele Cover

Britam offers an array of medical covers that are tailored to specific needs which has earned them a reputation as one of the best insurance companies in the country. Afya Tele is one of the products they offer and it targets people within groups such as SMEs, Microfinance institutions, Saccos, chamas, self-help groups, government institutions, education institutions and religious groups. Group members should be more than 10 people. It covers inpatient expenses up to Ksh 750,000, outpatient expenses up to Ksh 75,000 and funeral expenses up to Ksh 75,000.

Co-op Bank Medicare

It’s crucial to have medical cover from established institutions with capital and managerial stability. Co-operative Bank is one of the oldest banks in the country proving that they can weather any storm. They offer attractive medical coverage at affordable rates to provide financial assistance in a time of need. Their Jacaranda plan covers inpatient expenses up to Ksh 5,000,000 and outpatient expenses up to Ksh 120,000. The waiting period is 120 days for non-accidental surgery, gynaecological and ENT surgery.

G.A Insurance Family/Individual Cover

Finding affordable individual or family medical insurance isn’t easy but G.A Insurance has fairly affordable rates. This is one of the oldest insurance companies in the country having existed for over 6 decades. They offer tailored and affordable medical covers for individuals, families and groups. Their rates start from Ksh 14,715 and cover inpatient expenses up to Ksh 10 million. They also have a separate maternity cover with premium charges starting from Ksh 13,283.

Resolution Health

This is one of the core products offered by Resolution Insurance and one of the most affordable medical covers in the country. They have several plans that provide different benefits. For instance, their Value plan offers clients high-quality inpatient care as well as annual wellness checkup for adults, daily cash payments for accident and illness admissions up to 180 days, maternity cover and newborn illness cover, organ transplants and homecare services. The coverage limits are up to Ksh 10,000,000 depending on the premium payment.

Madison Insurance Betterlife Budget Plan

The Betterlife Budget plan is an economic plan with a greatly discounted premium starting from Ksh 13, 100. This covers inpatient expenses up to Ksh 1,500,000, outpatient expenses up to Ksh 100,000 and funeral expenses up to Ksh 35,000. Other benefits include overseas treatment of up to 8 weeks and limited to inpatient cover, maternity costs of up to Ksh 150,000 and chronic illness costs of up to Ksh 300,000.

Old Mutual Afya Imara

Old Mutual has also been in the Kenyan market for decades and established itself as a reliable insurance company. Their medical covers also offer unique perks that set them apart from the rest. For instance, it offers instalment premium payments for your inpatient cover and no claim discounts. You also get air evacuation for cover limits above Kshs 1M and road evacuation for all cover limits. Premium starts at Ksh 13,292.

Kenya Alliance

Kenya Alliance’s SME cover plan offers flexible and affordable medical insurance for small businesses regardless of the size of the company. It covers medical and surgical expenses reasonably incurred by the insured members either through an accident or illness. The cover can be customized depending on the size of the company to ensure that the employees and/or their dependents are covered adequately. Outpatient limits are between Kshs. 50,000 – 200,000 and maternity limits are between Kshs. 50,000 – 100,000.