Common Terminologies – Health insurance in Kenya

Out Patient Cover:

While choosing an affordable health insurance, outpatient cover is one of the thing look for, this cover is where an individual who receives health care services on an outpatient basis, meaning they do not stay overnight in a hospital or inpatient facility

In Patient Cover:

Health insurance plans require you to be formally admitted into a hospital for a stay for a service to be considered inpatient

Insurance coverage:

The amount of risk or liability that is covered for an individual or entity by way of insurance services


The beneficiary is the person or entity entitled to receive the claim amount and other benefits upon the death of the benefactor or on the maturity of the policy

Insurance policy:

The document detailing the terms and conditions of a contract of insurance.

A health insurance premium:

Monthly fee paid to an insurance company or health plan to provide health coverage.

Indemnity plans :

Allows you to direct your own health care and visit almost any doctor or hospital you like. The insurance company then pays a set portion of your total charges. Indemnity plans are also referred to as “fee-for-service” plans.

A health insurance waiver :

Document that when signed provides the option to opt-out of a health insurance plan offered to you by making a formal request.

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