Kenya Premium Health Covers
Compare leading medical covers from Jubilee, Britam, AAR, CIC, APA, First Assurance and Heritage — then apply online in minutes.
How It Works
Get Quotes Compare & Choose Apply OnlinePay Insurer Get Covered in 1 to 5 Working Days
Premiums are indicative and subject to insurer confirmation and underwriting.
Fully compliant and regulated by the Kenyan insurance authority.
We curate only high-end covers from Kenya's top insurers.
Direct insurer rates — no hidden fees or markups.
Get covered in as little as 24 hours with our expert team.
History: Serving the region since 1965, when its first Nairobi office opened.
Known for: Milele health plans with options from budget-friendly to comprehensive cover.
Why choose Britam: Broad plan choice, wellness benefits and nationwide hospital access.
Get a Britam Quote →
AARHistory: Founded in Kenya in 1984, originally as an air-rescue and emergency service.
Known for: Individual and family medical plans with inpatient, outpatient, dental and optical benefits.
Why choose AAR: Strong medical focus and flexible family cover options.
Get an AAR Quote →
First AssuranceHistory: A long-established Kenyan insurer and part of the Absa Group.
Known for: First Med for individuals and families, and First Afya Biashara for SME groups.
Why choose First Assurance: Flexible inpatient, outpatient, maternity, dental and optical options across family and group covers.
Get a First Assurance Quote →History: Founded in Mombasa in 1937 and among the region's longest-established insurers.
Known for: J-Care for individuals and families, J-Senior for senior members, and J-Biz for groups.
Why choose Jubilee: Established health insurer with options across different budgets and needs.
Get a Jubilee Quote →History: Its roots date to 1968, when it began within Kenya's co-operative movement.
Known for: Medisure, Afya Bora and other medical products with inpatient and outpatient benefits.
Why choose CIC: Medisure, Seniors Mediplan and SME Medipack options with flexible benefit structures.
Get a CIC Quote →History: Part of Apollo Investments, whose insurance heritage dates back to 1977.
Known for: Jamii Plus family health cover and APA SME Medical Cover for small business groups.
Why choose APA: Flexible family and SME medical cover with inpatient, outpatient and optional benefits.
Get an APA Quote →Choose your cover, apply online, then select your insurer and Payment Method to view the official payment details and pay directly or in installments using your full name, policy or membership number as the reference.
Follow the steps provided to complete your application and cover activation.
Choose the cover type, your members and the cover limit you need.
View and compare quoted premiums from our insurers side by side.
Submit your application online in minutes.
Cover is typically confirmed within 1–5 working days after full payment or IPF settlement and submission of required documents, subject to insurer underwriting and acceptance.
Pay directly to the insurer in full using the payment details and methods shown above. We do not receive or handle client payments.
IPF interest
| Premium | Interest |
|---|---|
| KSh 25,000 – 149,999 | KSh 3,500 |
| KSh 150,000 – 169,999 | KSh 3,585 |
| KSh 170,000 – 199,999 | KSh 4,150 |
| KSh 200,000 – 249,999 | KSh 5,047 |
| KSh 250,000 – 269,999 | KSh 5,836 |
| KSh 270,000 – 299,999 | KSh 6,398 |
| KSh 300,000 or above | 1.84% |
Pay to the insurer’s official paybill. Keep & share the M-PESA message as proof.
Pay into the insurer’s bank account. Keep and share the bank slip as proof.
Write it payable to the insurer. Keep and share the cheque, cheque bank deposit slip or collection instruction.
Find the right healthcare provider for your plan. Search hospitals, clinics, pharmacies, dental, optical and specialist providers within your selected medical network.
Only active provider relationships assigned to the selected plan are displayed.
Your provider network will appear here.
Provider information may change from time to time. Provider listing does not by itself guarantee availability of every medical service or benefit. Confirm provider availability, applicable benefits, referral requirements and authorization requirements before treatment.
Your details are used only to respond to your enquiry.
