Top 10 Best Health Insurance Companies in Kenya 2022

These health insurance companies are the best fit for most people.

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Are you looking for the best health insurance companies in Kenya in 2022? This guide will provide a comprehensive list of all health insurance covers you can find in Kenya. ‘

By the end of the article, you will be able to make an educated decision as to which health insurance service to use.

But before we look at the list of insurance companies in Kenya 2019, let’s cover the basics first. Just for the sake of those who do not entirely understand what health insurance in Kenya is all about.

What is Health Insurance?

Before we define what health insurance in general is, let’s first focus on the word ‘insurance’. This is some sought of a contract. Basically, what happens is that an insurance company in Kenya promises to provide protection or compensation to a person in the event something happens – in this case, if you get sick. For the contract to hold you have to pay an upfront fee usually after every given time period.

So what is health insurance?

This is a type of medical coverage that pays for your medical bills when you get sick or get involved in an accident. So if you’re taken ill and you have been paying your insurance fees, the health insurance company in Kenya you have been using will pay your hospital bills.

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List of Best Health Insurance companies in Kenya 2022

The following are the best medical insurance companies in Kenya:

  1. Jubilee Insurance
  2. Madison Insurance
  3. Resolution Insurance
  4. APA Insurance
  5. Pacis Insurance Company
  6. UAP Insurance
  7. Britam
  8. Heritage Insurance
  9. Pan Africa Life
  10. Kenindia Assurance Company

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Health Insurance Companies in Kenya and Their Contacts

Note: The contacts shown here are only for the head offices. Visit the respective websites to get branch-specific contacts.

#1 Jubilee Insurance

Jubilee Insurance tops almost every list of the best health insurance companies in Kenya. Their medical insurance product is majorly targeted at individuals and families. What makes them stand out is the number of medical providers in Kenya they work with.

They actually have more than 200 making it the most flexible and affordable medical cover in Kenya. Their medical insurance is called J CARE and has proved to be one of the most popular in the country.

Jubilee Insurance Contacts

Location Jubilee Insurance House, Wabera Street
Address P.O Box 30376 - 00100Nairobi, Kenya
Phone +254 (0) 20 328 1000

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#2 APA Insurance

They mainly deal with inpatient, outpatient, maternity, dental, optical, and personal accident medical cover. To qualify for their cover you either have to be a child between 1 month to 17 years or an adult between 18 and 75 years.

APA Insurance Contacts

Location Apollo Centre, ring road Parklands, Westlands
Phone +254 (0) 20 364 1000

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#3 Madison Insurance

This is one of the oldest health insurance companies in Kenya. It has been around since 1988 so if you are looking for a health insurer that has been around long enough to amass the required experience and credibility, you should try this one.

There is no doubt Madison Insurance has made a name for itself in the health insurance market. Their health insurance products are very affordable and probably the best in Kenya.

Madison Insurance Contacts

Location Madison House Upper Hill Close,
Address P.O Box 47382 – 00100, Nairobi
Phone 0709 922 000,
SMS 20286

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#4 Resolution Insurance

Resolution insurance was started in 2002 as Resolution Health and later changed to its current name in 2013.

This is arguably among the best health insurance providers in Kenya. Their health insurance packages are very unique covering both inpatient and outpatient needs. Their membership lasts for a lifetime and they are among the few that cover chronic health conditions.

Resolution Insurance Contacts

Location Parkfield Place, Muthangari Drive, Off Waiyaki Way, Westlands
Address P.O Box: 4469 – 00100, Nairobi Kenya
Phone +254-20-2894 000, +254-709-990 000, +254-730-199 000

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#5 Britam Insurance

Fondly known as Mediflex, the Britam medical insurance offers both in-patient and fund-managed outpatient covers. This is the best insurance company in Kenya for people who are employed and their dependents.

Additionally, if you are an NGO, registered company or a Chama with not less than 10 members, you will be eligible for their corporate health covers. Britam health insurance cover comes with a lot of flexibility which gives you the freedom to choose the kind of medical expenses you want to be covered.

They also have a health insurance product known as AFYA TELE which is a unique medical cover designed for corporate or a group that comes with inbuilt funeral benefits.

Britam Insurance Contacts

Location Mara/Ragati Road Junction, Upperhill
Phone +254 703094000

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#6 Heritage Insurance

Heritage provides one of the best medical covers in Kenya.

They have been providing short-term insurance products to Kenyans for over 50 years. Their origins trace back to 1908 and 1924 when the Norwich Union Fire Insurance Society and The Legal & General Insurance Company, respectively commenced their Kenyan operations in 1924.

These two companies later merged their interests in 1976 to form The Heritage Insurance Company Limited.

They are rated AA- by the Global Rating Company (GRC). This is one of the highest international ratings for insurers affirming Heritage’s high claims-paying ability.

The Heritage Insurance Medical covers in Kenya come in different packages as listed below.

  • BLUE

Visit the website to understand what each insurance option covers.

Heritage Medical Insurance Contacts

Location LIBERTY House, Mamlaka Road
Address P.O. Box 30390 00100 - GPO Nairobi - Kenya
Phone 0711 039 000, 0734 101 000

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#7 Kenindia Assurance Company

Kenindia is derived from Kenya and India. So this is an Indian health insurance company operating in Kenya. The company was founded back in 1978 when the insurance sector was still very bleak.

The company was formed when Indian Insurance companies that had their operations in Kenya decided to merge and form one joint venture.

The companies that merged to form Kenindia include Oriental Insurance Co. Ltd, Life Insurance Corporation of India, New India Assurance Co. Ltd., and United India Insurance Co. Ltd.

Kenindia Assurance Company Contacts

Location Kenindia House, Loita Street, Nairobi, KENYA.
Address P.O. Box: 44372 - 00100 G.P.O. Nairobi
Phone +254 (020) 3316099

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#8 PACIS Insurance Company Ltd.

Pacis Insurance Company Limited was started by the Catholic church in 1997. The word Pacis is derived from Latin which means peace. The initial intention was to use it as an avenue to generate funds for church projects.

The company was then registered in Kenya in 2004 and started operations in August 2005. Right now, the insurance company is still solely sponsored by the catholic church and affiliated institutions.

Their health insurance in Kenya is known as the PACIS Amani Medical Cover with in-patient cover being their main priority. Benefits covered under the in-patient cover include:

  • Hospital accommodation
  • Organ transplant
  • Doctors’ fees
  • HIV/AIDS-related conditions
  • Accidents
  • Congenital conditions
  • Lodger fees
  • Pre-existing charges
  • Chronic Conditions
  • Inpatient Laboratory
  • Cancer treatment
  • Theatre charges
  • Accidental Optical /dental
  • Radiological test

Other optional medical covers include maternity cover and outpatient cover.

PACIS Insurance Company Contacts

Location Centenary House, 2nd Floor Off Ring Road, Westlands, Nairobi
Phone 0730 677 000, 0720 113 122, 0733 777 293, 0733 777 717, 0734 777 172

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#9 UAP Old Mutual Insurance

The company was started as Old Mutual in South Africa in 1845 making it the oldest on this list. It was not until 1920 that it started operations in Kenya. In 1978, Old Mutual merged with UAP insurance to form UAP Old Mutual.

It is now one of the biggest health insurance companies in Kenya which also offers a variety of other insurance covers. They have amazing health cover plans which give you the flexibility to choose what you want.

The plans include:

  • Afya Imara – The main, all-inclusive health insurance cover
  • Afya Imara County – health insurance cover from your respective county hospital
  • Afya Imara Seniors – for adults between the age of 66 and 80 years old.
  • Afya Imara Junior – health insurance coverage for children below 19 years.
  • Afya Imara executive – Personalised health plan offering worldwide geographical coverage to meet your specific medical needs.

UAP Old Mutual Insurance Contacts

Location UAP Old Mutual Tower, Upper Hill Road,
Address P.O. Box 43013 – 00100, Nairobi
Phone +254 711 065 000
SMS 22801

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#10 Sanlam Kenya

Previously known as Pan Africa Life, Sanlam Kenya is of the pioneers of health insurance in Kenya.

This is another health insurance company that has been around for some time now. The company has been in operation for over 60 years and has built quite a reputation in the insurance sector.

Sanlam Kenya Insurance company is focused on providing the best medical covers in Kenya by prioritizing quality health products and customer satisfaction.

Sanlam Kenya Insurance Contacts

Location Sanlam Tower, Waiyaki Way, Westlands.
Address P.O Box 10493-00100 Nairobi, Kenya.
Phone +254 (0)20 278100 , +254 (0)722 206 900 +254 (0)20 278100 ,

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Written by L.K. Nathans

Nathan Laibuch is the Founder and Chief Editor at FleekBook.


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