List of Health Insurance In Kenya

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What is health insurance
Health insurance is insurance that covers the whole or a part of the risk of a person incurring medical expenses, spreading the risk over a large number of persons. By estimating the overall risk of health care and health system expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to provide the money to pay for the health care benefits specified in the insurance agreement. The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity.

Why do you need health insurance in Kenya
You need Health insurance for:

  • Outpatient care—the kind you get without being admitted to a hospital
  • Trips to the emergency room
  • Treatment in the hospital for inpatient care
  • Care before and after your baby is born
  • Mental health and substance use disorder services: This includes behavioral health treatment, counseling, and psychotherapy
  • Your prescription drug
  • Services and devices to help you recover if you are injured, or have a disability or chronic condition. This includes physical and occupational therapy, speech-language pathology, psychiatric rehabilitation, and more.
  • Your lab tests

List of Laboratory centers in Nairobi)

  • Preventive services including counseling( counseling centers in Nairobi), screenings, and vaccines to keep you healthy and care for managing a chronic disease.
  • Pediatric services: This includes dental care and vision care for kids
  • International treatment for medical cases that aren’t treatable in Kenya


1.Government Owned

National Hospital insurance Fund
The National Hospital Insurance Fund (NHIF) is a Kenya government state corporation with a mandate to provide health insurance to Kenyans.NHIF was established in 1967 as a department within the ministry of health, by an Act of parliament. This has been reviewed over the years and it is now governed by ACT NO. 9 of 1998 – National Hospital Insurance Fund Act
The core business and mandate for NHIF is to provide accessible, affordable, sustainable and quality health insurance for all Kenyan citizens
Contact information
P.O BOX: 30443 – 00100, Nairobi, Kenya
Tel: 0800 720 601, (020) 2723255/56, (020) 2714793/94 , (020) 2722527.
Fax : (020) 2714806. Health Insurance Companies Kenya

2. Private Health insurance companies in Kenya

Jubilee Insurance
Head Office: Jubilee Insurance House, Wabera St.
P.O. Box 30376 00100 GPO, Nairobi, Kenya
Telephone: +254 (0) 20 328 1000
ISDN line: + 254 (0) 328 1000
Tel: 0709 901 000 / 0719 222 111
Fax: + 254 (0) 20 328 1150 Health Insurance Companies Kenya

Resolution Insurance
Head Office: Parkfield Place, Muthangari Drive, Off Waiyaki Way, Westlands
Tel: +254-20-2894 000, +254-709-990 000, +254-730-199 000
Address: P.O Box: 4469 – 00100, Nairobi Kenya Health Insurance Companies Kenya

Madison Insurance
Upper Hill Close,
P.O. Box 47382 – 00100, Nairobi
Tel: 020-2864 000, Cell: 0709 922 000,
Email: Health Insurance Companies Kenya

APA Insurance
Apollo Centre, ring road Parklands, Westlands
Tel:+254 (0) 20 364 1000

Kenindia Assurance Company
Kenindia House, Loita Street, Nairobi, KENYA.
Phone: +254 (020) 3316099 / 2214439
Fax: +254 (020) 2218380
P.O. Box: 44372 – 00100 G.P.O. Nairobi
Email: medical Insurance Companies Kenya

Pacis Insurance Company
Centenary House, 2nd Floor
Off Ring Road, Westlands,Nairobi Kenya
Telephone: +254 – 020- 4247000, +254 – 020 – 3504174, +254 – 020- 4192000
Fax: +254 – 020 – 4247000
Tel: +254 0730 677000, 0720 113122, 0733 777717, 0733 777293

UAP Insurance
UAP Old Mutual Tower, Upper Hill Road​
P.O. Box 43013 – 00100, Nairobi, Kenya
Tel: +254 20 2850 000
Mobile: +254 711 065 000
Tel: +254 711065100 / +254 711010100

Britam Head Office
Mara/Ragati Road Junction, Upperhill
Ph: (254)703094000,

Heritage Insurance
Mamlaka Road, P.O. Box 30390-00100, Nairobi.Kenya
Tel: 278 3000 / 0711 039 000 / 0734 101 000

GA insurance Limited
GA Insurance Ltd. 4th Fl. GA Insurance House,
Ralph Bunche Road,
P.O.Box 42166 – 00100,
Tel: 020-2711633/4/5
Tel: 0780224441/0
Tel: 0721677273
Tel: 0736711633 Health Insurance Companies Kenya

AIG Kenya Insurance Co.Ltd
Eden Square Complex,
Chiromo Road,
P.O. Box 49460, 00100 Nairobi,Kenya
Tel: 0723 600400/ 500
0735 338830/1

AAR insurance
Real Towers, Ground Floor, Hospital Road, Upper Hill
Tel: +254 020 2895000
Cell: +254 703 063 000
+254 730 633 000 Health Insurance Companies Kenya

CIC Group
CIC Plaza, Mara Road, Upperhill Nairobi, Kenya
Phone: (+254) 703 099 120 (020) 282 3000

Xplico Insurance Company
Park Place, 2nd Avenue, 5th Floor, Parklands, Off Limuru Road
P.O.Box 38106-00623, Nairobi, Kenya.
Telephone : 020 364 2000
Mobile Number: +254709 833000 (65) +254700 111999 +254736 800888

Takaful Insurance of Africa
CIC Plaza, 3rd Floor
Mara Road, Upper Hill,
Tel: +254 (20) 2725134/5

Pioneer Assurance Company
Pioneer Assurance Ltd
Pioneer House,6th Floor,Moi Avenue.
P.O. Box 20333,Nairobi,Kenya
Tel: +254 20 7220000

Types Health insurance Plans in Kenya

  • Inpatient cover
  • Outpatient cover
  • Low cost covers
  • Maternity cover
  • Medium and high cost covers

Conditions excluded from Health Insurance Policies in Kenya
Your health insurance may have some exclusions and limitations. Plans vary so much that it’s hard to say exactly what limits and exclusions might be in yours. To make sure you know the ins and outs of your policy, you need to read your summary plan description (SPD)) with all the policy rules and limits and bylaws and hereto fores and therewiths. You can get it from your insurer.
In general, though, health insurance plans can limit coverage for a pre-existing condition only for a certain period of time, usually no more than 12 months. Many plans have a three-month waiting period before all benefits kick in.

Health insurance in Kenya: Common Vocabulary

  • Out Patient Cover:

Insurance cover for an individual (patient) who receives health care services (such as surgery) 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:

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

  • Beneficiary:

In life insurance, 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:

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

  • A health insurance premium:

is a monthly fee paid to an insurance company or health plan to provide health coverage.

  • Indemnity plans :

allow 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 :

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

Citations / References

  • How Private Insurance Works: A Primer by Gary Caxton, Institution for Health Care Research and Policy, Georgetown University, on behalf of the Henry J. Kaiser Family Foundation.
  • Moving towards universal health coverage: health insurance reforms in nine developing countries in Africa and Asia
    Gina Lagomarsino MBA ,Alice Garabrant AB, Atikah Adyas PhD,Prof Richard Muga MD, NathanielOtoo MA
  • Health financing reform in Kenya-assessing the social health insurance proposal
    G Carrin, C James, M Adelhardt, O Doetinchem… – South African Medical journal
  • Financing health care in Sub-Saharan Africa through user fees and insurance.
    RP Shaw, CC Griffin – 1995 –
  • De Allegri, Manuela, et al. “Understanding enrolment in community health insurance in sub-Saharan Africa: a population-based case-control study in rural Burkina Faso.” Bulletin of the World Health Organization 84.11 (2006): 852-858.
  • Kimani, James K., et al. “Determinants for participation in a public health insurance program among residents of urban slums in Nairobi, Kenya: results from a cross-sectional survey.” BMC health services research 12.1 (2012): 66.
  • Dau, Ramadhani K. “Trends in social security in East Africa: Tanzania, Kenya and Uganda.” International Social Security Review 56.3‐4 (2003): 25-37.
  • IRA – Licensed Insurance Companies

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