International Health Insurance in Kenya

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.

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.

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 insurance agency 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.

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.

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.

No — we are an IRA-licensed insurance agency 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.