Cheap Health Insurances in Kenya

Healthcare costs are steadily rising in Kenya today, and unexpected illnesses can severely impact finances. Fortunately, health insurance in Kenya provides a safety net, offering financial protection during hospitalizations or medical emergencies. However, with numerous health insurance companies and plans available, finding the most affordable option that meets your needs can be overwhelming.

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

Britam Bima Ya Mwananchi

Bima ya Mwananchi is an affordable medical cover that caters to individuals and families, with coverage for inpatient care, outpatient treatment and even a last expense health insurance in case of the insured’s demise.

The Outpatient benefit is a health care plan to pay for outpatient treatments which includes reasonable costs incurred at duly appointed hospitals and doctors’ clinics.  The Inpatient benefit covers hospital bills due to hospitalization, chronic/pre-existing illness, maternity and emergency ambulance services.

An individual health insurance plan with a Kshs 75,000 inpatient cover starts at a mere Kshs 4,600 annually. If the individual also signs up four other dependents, he or she pays an annual premium of Kshs 14,200.

Under the Kshs 75,000 package, the individual also gets Kshs 37,500 for the treatment of chronic and pre-existing conditions, Kshs 20,000 for maternity, Kshs 15,000 for ambulance services in case of an accident and Kshs 40,000 for last expenses.

BeWell Health Insurance

Bewell Health Insurance makes health insurance simple, affordable, and trusted. Regardless of the budget, Bewell has an excellent package to fit individual needs, with customers even having the ability to pay in installments.

Each customer is assigned a lifetime agent and can access 24/7 customer support, and for group coverage, Bewell has partnered with a fund management platform to streamline team finances. The company offers health insurance services both physically and remotely, ensuring that customers can receive the help they need regardless of their location.

Their Be.Well app further allows users to track their health insurance balances and access three free telemedicine consultations.

BeWell offers various health insurance plans. Their most affordable option, the Budget Plan, is priced at Ksh 900 per month or Ksh 9,154 per year. The Regular Plan starts at Ksh 4,500 per month or Ksh 49,999 per year. The Premier Plan, starts at Ksh 9,000 per month or Ksh 90,000 per year.

CIC Afya Bora

CIC’s Afya Bora health insurance comes with affordable premiums, and quality health care at the hospital level courtesy of CIC’s strong relationships with health providers and fast claims settlement.

The health insurance cover provides in-patient and outpatient benefits for family health insurance, covering up to 6 members, with an in-patient cover limit of Kshs. 250,000 and an outpatient limit of Kshs. 50,000. The upper age limit for parents is 70 years at entry and children are covered from 1 month old 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 is a health insurance plan from APA Insurance that offers coverage 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 options range from Ksh 100,000– Ksh 1,000,000 per person, while outpatient coverage options range from 30,000–100,000 per person. Maternity coverage is between Ksh 50,000– Ksh 100,000.

APA Afya Nafuu’s health insurance premiums for salaried individuals in Kenya can range from Ksh 150 to Ksh 1,700 per month, depending on the plan option and age. Premium rates are based on age, so premiums increase as the insured person gets older.

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

Jubilee CoverBora

CoverBora is an affordable medical insurance cover made to meet the unique needs of individuals and families, offering a range of inpatient benefits at an affordable price point.

Jubilee Health Insurance has updated its eligibility criteria and introduced key features. The eligibility now includes members aged 18 to 60, with extensions to 65 for existing members.

Coverage is also available from birth (a baby of 38 weeks) to 18 years of age and can be extended to 25 years for dependents living with their parents and enrolled in a recognized post-secondary institution.

Key features of Jubilee’s health insurance plans include affordable comprehensive inpatient coverage starting from Ksh 6,200 per year for individuals and Ksh 12,600 for families. The plans also offer built-in maternity benefits and last expense coverage, with no health check-up required and minimal waiting periods.


Equihealth is an affordable medical insurance cover targeting individuals in a group, allowing them to get 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. The plan is designed to be inclusive and affordable, with a maximum age limit of 75 years for coverage and a minimum joining age for dependants set at one month. The principal member can join up to the age of 70.

The premium for this extensive coverage is set at Ksh 15,000 per year for the principal member and five dependants, with an additional charge of Ksh 1,500 for each extra dependant. The health insurance plan covers a wide range of medical expenses, including daily bed limits, intensive care, theatre costs, nursing fees, surgeons and physicians’ fees, as well as costs for drugs, medicines, x-rays, and diagnostic tests and procedures.

Madison Betterlife

Madison Betterlife Health Insurance has revamped its offerings to cater comprehensively to the healthcare needs of individuals and families, including both married and single parents in Kenya.

The 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.

Madison Betterlife Health Insurance guarantees cashless treatment nationwide, supported by a Care Management Team and a streamlined claim settlement process. Their rates range from Ksh 5,000 to Ksh 50,000 and indemnity limits from Ksh 500,000 to Ksh 5,000,000.

AAR ShwAARi Medical Cover

The ShwAARi Medical Cover is a one limit annual health insurance cover with a variety of plans, each designed to meet the unique needs for individuals and families.

The plan caters to all age groups, from 0 to 100 years, and offers coverage plans starting from as low as Ksh 1,600 per month or Ksh 18,356 per year. Available cover limits range from Ksh 250,000 to Ksh 1,000,000.

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