International Health Insurance in Kenya
Worldwide medical cover for expats, families and Kenyans with global lives. Answer a few quick questions and see the international plans that best fit where you live, where you travel and the care that matters to you.
International health insurance, explained
International health insurance in Kenya is private medical cover that pays for treatment both in Kenya and abroad — including hospital admission, surgery, outpatient care and emergency evacuation — usually up to a worldwide annual limit of USD 2 million or more. It suits expatriates living in Nairobi, Kenyan families who travel or study overseas, and diaspora returning home who want the freedom to be treated in the best facility, in Kenya or anywhere in the world.
Find your best international health plan
Answer a few plain-language questions and see the plans that best fit where you live, where you travel and the care that matters most. We compare the market — an adviser confirms the exact cover and premium.
Get matched to your international health cover
Tell us a little about who needs cover — we compare the plans and an adviser follows up within the hour.
Thank you — we've received your request.
Farzana Sumra will personally contact you within the hour with your best options.
Why use the matcher?
- It rules out plans that can't meet your must-haves, then ranks the rest on what you said matters.
- You see named plans with an honest match strength — and the trade-offs, not just the ticks.
- Your answers reach an IRA-licensed adviser, so follow-up is personal, not a generic call.
IRA Licensed
KSB Member
Reviews 4.9
97% Claims Success
Three levels of international cover
A quick way to see how plans differ. The matcher above turns these into the specific named plans that fit you.
| Decision factor | Essential | Balanced | Comprehensive |
|---|---|---|---|
| Best for | Value-focused cover | Families & professionals | Frequent global travellers |
| Annual benefit limit | High | Higher | Maximum |
| Hospital treatment | Comprehensive | Comprehensive | Comprehensive |
| Outpatient care | Optional / limited | Full | Full |
| Emergency evacuation | Included | Included | Included |
| Chronic conditions | Optional | Included | Included |
| Maternity | Optional | Included | Included + IVF |
| Mental health | Inpatient | Inpatient + outpatient | Inpatient + outpatient |
| Dental & optical | Optional | Optional | Included |
| Area of cover | Worldwide | Worldwide | Worldwide incl. USA |
Illustrative archetypes drawn from the plans we place. Exact benefits, limits and premiums are confirmed on application.
Who international medical insurance in Kenya is for
It suits expatriates living and working in Nairobi, Kenyan families who travel or study abroad, diaspora returning home, and employers who want their teams covered internationally. If you want the freedom to be treated in the best facility — in Kenya or anywhere in the world — this is the right category of cover.
Looking for cover within Kenya only? Our local medical insurance page covers inpatient and outpatient plans from Kenya's leading insurers. International plans add worldwide hospital access, treatment abroad and emergency evacuation on top of that.
What sets these plans apart
Worldwide hospital access
Be treated across the globe — with or without the USA — up to a worldwide annual limit, often USD 2–6 million.
Emergency evacuation
Medical transport to the nearest suitable facility when the right treatment isn't available locally.
Direct settlement
On many plans the insurer settles the hospital directly, so you aren't paying large bills up front.
Portability
Cover that moves with you between countries — useful if you relocate or work across borders.
Why arrange it through Naveah Capital?
We are an IRA-licensed broker in Nairobi — we work for you, not for a single insurer. We compare international plans across providers, structure the cover around who you are protecting and the care that matters, and stay with you through every claim. It costs you nothing extra, and it's how our clients reach a 97% claims success rate.
Frequently asked questions
What is international health insurance and how is it different from local medical cover?
International (or global) health insurance pays for private treatment both inside Kenya and overseas, up to a worldwide annual limit — often USD 2–6 million. Local medical cover is usually limited to hospitals in Kenya. International plans add worldwide hospital access, cover for treatment abroad, emergency medical evacuation and, on many plans, direct settlement so you are not paying large bills up front.
Who is international medical insurance in Kenya for?
It is designed for expatriates living and working in Nairobi and across Kenya, Kenyan families who travel or send children to study abroad, diaspora returning home, and business owners who want their teams covered internationally. If you want the option to be treated outside Kenya, an international plan is the right category.
How much does international health insurance cost in Kenya?
Premiums depend on your age, the number of people covered, your chosen area of cover (worldwide with or without the USA), the annual limit and your deductible. Including the USA and choosing a low deductible increases the premium; a higher deductible reduces it. As an IRA-licensed broker we compare the plans and structure the cover to your budget — the matcher above gives you a starting shortlist and an adviser confirms the exact premium.
Does international health insurance cover treatment outside Kenya?
Yes — that is the point of it. Depending on your chosen area of cover, you can be treated worldwide (with or without the United States), with emergency evacuation to the nearest suitable facility when appropriate treatment isn't available locally.
Can I include maternity, dental and chronic conditions?
On the right plan, yes. Maternity, newborn cover, dental, optical and chronic-condition management are included or available on the higher plan levels — one plan on the panel even includes IVF. The matcher weights these by how important you say they are so you see the plans that actually deliver them.
Is Naveah Capital an insurance company?
No — we are an IRA-licensed insurance broker in Nairobi. We work for you, not for a single insurer, comparing international plans across providers to find the best cover at the best price, and we stay with you through every claim.
See your matches in about two minutes
Answer a few questions and get your strongest international health plans — then an adviser confirms the exact cover and price.
Prefer to talk it through?
Call or WhatsApp an IRA-licensed adviser — no obligation.
IRA Licensed
KSB Member
Reviews 4.9
97% Claims Success
We compare Kenya's leading insurers
