Cheap Health Insurances in Kenya

Cheap Health Insurances in Kenya

Healthcare expenses are continuously increasing in Kenya today, with unforeseen illnesses potentially causing significant financial strain. Thankfully, health insurance in Kenya provides a crucial safety net, ensuring financial protection during hospitalizations or medical emergencies.

However, with a lot of health insurance companies and plans available, choosing the most cost-effective option that suits your needs can be challenging.

Here is a breakdown of some of the cheapest health insurances in Kenya, highlighting their most cost-effective options:

Britam Bima Ya Mwananchi

Britam Bima Ya Mwananchi offers an economical medical cover for individuals and families, providing inpatient and outpatient care, as well as a last expense health insurance in case of death.

The outpatient benefit covers costs incurred at designated hospitals and doctors’ clinics, while the inpatient benefit covers hospital bills due to hospitalization, chronic/pre-existing illnesses, maternity, and emergency ambulance services.

An individual health insurance plan with a Kshs 75,000 inpatient cover starts at Kshs 4,600 annually. Including four dependents, the annual premium is Kshs 14,200. This package also includes coverage of Kshs 37,500 for chronic and pre-existing conditions, Kshs 20,000 for maternity, Kshs 15,000 for ambulance services, and Kshs 40,000 for last expenses.

BeWell Health Insurance

BeWell Health Insurance offers simple, affordable, and trusted health insurance, with packages to suit any budget and the option to pay in installments.

Their Budget Plan costs Ksh 900 per month or Ksh 9,154 per year, the Regular Plan is Ksh 4,500 per month or Ksh 49,999 per year, and the Premier Plan is Ksh 9,000 per month or Ksh 90,000 per year.

BeWell provides a lifetime agent for each customer, 24/7 customer support, and Be.Well app, a mobile app to track health insurance balances and access three free telemedicine consultations.

CIC Afya Bora

CIC’s Afya Bora health insurance offers affordable premiums and quality healthcare through strong relationships with providers and fast claims settlement.

The health insurance cover includes inpatient benefits up to Kshs 250,000 and outpatient benefits up to Kshs 50,000 for families (up to 6 members). The annual premium is Kshs 32,000 per family.

Eligibility extends to parents up to 70 years and children from 1 month to 25 years with proof of enrollment in school or college at an affordable premium of Kshs.32,000 per family per year.

APA Afya Nafuu

APA Afya Nafuu provides affordable health insurance for individuals and families from one month to 75 years old. It’s considered one of the more affordable health insurance options in Kenya.

Inpatient coverage ranges from Ksh 100,000 to Ksh 1,000,000 per person, outpatient coverage from Ksh 30,000 to Ksh 100,000 per person, and maternity coverage from Ksh 50,000 to Ksh 100,000. Premiums range from Ksh 150 to Ksh 1,700 per month, and are based on age, so premiums increase as the insured person gets older.

The health insurance cover includes: Bed charges, Medication, Doctor’s fees, and Diagnostics.

Jubilee CoverBora

Jubilee CoverBora is an affordable medical insurance cover designed to meet the needs of individuals and families.

Jubilee Health Insurance has updated its eligibility criteria and introduced key features. Eligibility includes members aged 18 to 60 (extensions to 65 for existing members), and from birth (a baby of 38 weeks) to 18 years (extendable to 25 years for dependents in post-secondary education).

Comprehensive inpatient coverage starts from Ksh 6,200 per year for individuals and Ksh 12,600 for families. Key features include built-in maternity benefits, last expense coverage, no health check-up required, and minimal waiting periods.


Equihealth is an affordable medical insurance cover that targets individuals in groups, providing cover for themselves and their families. To qualify for this policy, you MUST be a registered member of a group of not less than 10 people.

Their family medical insurance plan features a shared coverage limit of Ksh 300,000, with an annual premium of Ksh 15,000 for the principal member and five dependents, and an additional Ksh 1,500 for each extra dependent.

Eligibility extends to the principal member up to age 70, dependents from one month old, and coverage up to 75 years.

Madison Betterlife

Madison Betterlife offers flexible health insurance plans for individuals and families, including married and single parents.

Their updated health insurance plans now include two main options:

The Madison Betterlife Open Plan provides flexibility with two sub-plans:

  • The Premier Plan offers high inpatient and outpatient limits, annual health check-ups for the principal member and spouse, and unrestricted access to a wide network of healthcare providers.
  • The Executive Plan ensures full facility access at a pocket-friendly premium, accompanied by a range of benefits.

Alternatively, the Madison Betterlife Budget Plan offers economical premiums with access to a broad panel of healthcare providers.

The Budget Plan provides economical premiums with access to a broad provider panel. Premiums range from Ksh 5,000 to Ksh 50,000, with indemnity limits from Ksh 500,000 to Ksh 5,000,000.


The AAR ShwAARi Medical Cover is a one limit annual health insurance cover that offers a variety of plans for individuals and families, catering to all age groups from 0 to 100 years. The plans start from Ksh 1,600 per month or Ksh 18,356 per year, with coverage limits ranging from Ksh 250,000 to Ksh 1,000,000.

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