Medical Cover You and Your Family Can Rely On
Protect your health and your savings. We compare inpatient and outpatient plans from Kenya's leading medical insurers to match your budget and needs.
We compare 9+ of Kenya's top insurers so you get the best cover at the lowest price.
Why you need it
Medical bills are one of the biggest financial shocks a family can face. A single hospital admission can wipe out years of savings. The right cover means you get treatment without draining your finances — for yourself, your family, or your staff.
We help you compare limits, hospital panels, waiting periods and premiums across insurers like Jubilee, Britam, APA, AAR and CIGNA, so you choose with confidence rather than guessing. One conversation, several quotes, no obligation.
With NHIF transitioning to the Social Health Authority (SHA), many Kenyan families are topping up public cover with private medical insurance to guarantee access to the hospitals and specialists they trust. Premiums and benefits vary widely between insurers, so comparing limits, hospital panels and waiting periods before you buy can save you both money and disappointment at claim time.
Travelling, living or seeking treatment abroad? A local plan usually stops at Kenya's borders. Our international health insurance adds worldwide hospital access, treatment overseas and emergency evacuation — built for expats, families and Kenyans with global lives.
What's covered
Individual & Family
Inpatient and outpatient cover, with maternity, dental and optical available as add-ons.
Corporate / Group
Staff medical schemes with flexible limits, designed to attract and retain your team.
Add-ons
Last-expense, chronic condition cover, and international treatment for the plans that offer it.
Who needs this cover?
- Individuals wanting reliable inpatient and outpatient cover
- Families protecting children and dependants
- Employers setting up or renewing staff schemes
- People adding maternity, dental or optical benefits
Why buy through Naveah Capital?
Buying medical insurance through an independent broker costs you nothing extra, yet changes everything about the outcome. Instead of accepting one insurer's price, you get 9+ compared side by side — premium, benefits, exclusions and claims reputation. We negotiate on your behalf, explain the fine print in plain language, and manage any claim from first notification to final settlement. It's how our clients reach a 97% claims success rate and rarely overpay at renewal.
Frequently asked questions
What's the difference between inpatient and outpatient cover?
Inpatient covers admission and overnight hospital treatment; outpatient covers consultations, tests and prescriptions that don't require admission. Most families choose both.
Can I cover my parents or dependants?
Yes — most insurers allow you to add dependants and, on some plans, elderly parents. We'll show you which insurers offer the best terms.
How are premiums calculated?
Mainly by age, the number of people covered, and the level of benefits. Share a few details and we'll pre-price it for you.
Is there a waiting period?
Some benefits (like maternity or pre-existing conditions) have waiting periods that vary by insurer. We'll flag these before you commit.
Ready for your best quote?
Share a few details and we'll compare insurers and reply within the hour.
Get My Medical Insurance Quote
A few quick questions — we reply within the hour.
Thank you — we've received your request.
Farzana Sumra will personally contact you within the hour with your best options.
IRA Licensed
KSB Member
Reviews 4.9
97% Claims Success
Need worldwide medical cover?
If you, your family or your team may need treatment outside Kenya, international health insurance goes further than a local plan — worldwide hospital access, care abroad, emergency evacuation and direct settlement. Answer a few quick questions and get matched to your best options in minutes.
