The APRIL International Africa Long-Term Health Plan is international medical insurance for people living in Africa, insured by AXA XL and available in Kenya through Naveah Capital. All four levels (Classic, Premier, Platinum and Platinum Plus) carry a GBP 1m / USD 2m annual limit, with a choice of Area 3 (Africa plus the Indian sub-continent), Area 1 (worldwide excluding the USA and Caribbean) or Area 2 (worldwide). Hospital treatment and evacuation are paid in full; outpatient, dental, optical and maternity build up from Premier to Platinum Plus.
Naveah Capital is your APRIL International partner in Kenya
We arrange, compare and service Africa Long-Term Health Plan policies for clients in Nairobi and across Kenya. As an IRA-licensed insurance agency we work for you: we set up the right level, area of cover and deductible, compare it with the other international plans on our panel, handle the application and stand beside you at every claim — at no extra cost. Request a quote or WhatsApp us.
Who APRIL Africa Long-Term is for
- People based in Kenya who want a straightforward USD 2m limit at a regional price (Area 3)
- Families who want maternity, dental and optical (Platinum, Platinum Plus)
- Anyone wanting hospital-only cover at entry level (Classic)
APRIL Africa Long-Term plan levels at a glance
- Included
- Included with a limit
- Optional / add-on
- Not covered
Tables scroll sideways to show every level.
| Benefit | Classic | Premier | Platinum | Platinum Plus |
|---|---|---|---|---|
| Annual limit | £1,000,000/$2,000,000 | £1,000,000/$2,000,000 | £1,000,000/$2,000,000 | £1,000,000/$2,000,000 |
| Outpatient GP & specialist | Not covered | Full refund ($25/$50 excess/claim) | Full refund ($25/$50 excess/claim) | Full refund ($25/$50 excess/claim) |
| Maternity (routine) | Not covered | Not covered | £3,000/$6,000 | £6,000/$12,000 |
Cover outside your region and outside Kenya
You choose one of three areas: Area 3 (Africa plus India, Sri Lanka, Bangladesh and Pakistan), Area 1 (worldwide excluding the USA and Caribbean) or Area 2 (worldwide). Emergencies outside your area are covered for up to 60 days, from GBP 20,000 / USD 40,000 (Classic) to GBP 50,000 / USD 100,000 (Platinum Plus). Evacuation is paid in full; repatriation is USD 15,000 (Classic), USD 20,000 (Premier) and paid in full on Platinum and Platinum Plus.
| Benefit | Classic | Premier | Platinum | Platinum Plus |
|---|---|---|---|---|
| Area of cover options | Choice: Area1 (WW excl. USA/Caribbean) / Area2 (Worldwide) / Area3 (Africa+India,SriLanka,Bangladesh,Pakistan) | Choice: Area1 (WW excl. USA/Caribbean) / Area2 (Worldwide) / Area3 (Africa+India,SriLanka,Bangladesh,Pakistan) | Choice: Area1 (WW excl. USA/Caribbean) / Area2 (Worldwide) / Area3 (Africa+India,SriLanka,Bangladesh,Pakistan) | Choice: Area1 (WW excl. USA/Caribbean) / Area2 (Worldwide) / Area3 (Africa+India,SriLanka,Bangladesh,Pakistan) |
| Out-of-area emergencies (accident / illness) | £20,000/$40,000, max 60 days | £30,000/$60,000, max 60 days | £40,000/$80,000, max 60 days | £50,000/$100,000, max 60 days |
| Emergency medical evacuation | Paid in full | Paid in full | Paid in full | Paid in full |
| Repatriation | £7,500/$15,000 | £10,000/$20,000 | Paid in full | Paid in full |
Pre-existing and chronic conditions
Treatment of chronic conditions is covered within the listed benefits on all four levels. Congenital conditions are not covered on Classic and are covered up to USD 30,000–50,000 lifetime on the higher levels; HIV/AIDS is covered up to USD 20,000 lifetime after 2 years.
How existing conditions are assessed
APRIL states that conditions which existed in the two years before cover starts are not covered unless accepted. Under-65s can choose a moratorium (no medical questionnaire; a condition can become covered after 24 symptom-free months), full medical underwriting, or continued exclusions carried over from a previous international policy.
Source: april-international.com. Your exact terms are confirmed in writing with your quote.
| Benefit | Classic | Premier | Platinum | Platinum Plus |
|---|---|---|---|---|
| Chronic / pre-existing conditions (in- & day-patient) | Covered within listed benefits | Covered within listed benefits | Covered within listed benefits | Covered within listed benefits |
| Congenital & hereditary conditions | Not covered | £15,000/$30,000 lifetime | £25,000/$50,000 lifetime | £25,000/$50,000 lifetime |
| HIV / AIDS | £10,000/$20,000 lifetime (after 2 yrs) | £10,000/$20,000 lifetime (after 2 yrs) | £10,000/$20,000 lifetime (after 2 yrs) | £10,000/$20,000 lifetime (after 2 yrs) |
| Kidney dialysis | Up to £100,000/$200,000 (in- or day-patient) | Up to £100,000/$200,000 (in- or day-patient) | Up to £100,000/$200,000 (in- or day-patient) | Up to £100,000/$200,000 (in- or day-patient) |
| Cancer treatment | Paid in full | Paid in full | Paid in full | Paid in full |
| Hospice & palliative care | Paid in full, max 15 days | Paid in full, max 15 days | Paid in full, max 15 days | Paid in full, max 15 days |
Optical and dental cover
Optical is covered on Platinum and Platinum Plus (USD 400, 20% co-insurance) and not on Classic or Premier. Accident-related dental is paid in full on every level; routine dental is USD 500 (Premier), USD 1,000 (Platinum) or USD 2,000 (Platinum Plus), each with 20% co-insurance, and not covered on Classic.
| Benefit | Classic | Premier | Platinum | Platinum Plus |
|---|---|---|---|---|
| Optical (eye tests, glasses, lenses) | Not covered | Not covered | £200/$400 (20%) | £200/$400 (20%) |
| Dental — after an accident | Full refund | Full refund | Full refund | Full refund |
| Dental — routine | Not covered | £250/$500 (20%) | £500/$1,000 (20%) | £1,000/$2,000 (20%) |
Full table of APRIL Africa Long-Term benefits
Every benefit from the APRIL International plan brochure, level by level, as compiled in Naveah’s international health comparison.
Show all 56 benefits
| Benefit | Classic | Premier | Platinum | Platinum Plus |
|---|---|---|---|---|
| Plan Overview | ||||
| Annual limit | £1,000,000/$2,000,000 | £1,000,000/$2,000,000 | £1,000,000/$2,000,000 | £1,000,000/$2,000,000 |
| Area of cover options | Choice: Area1 (WW excl. USA/Caribbean) / Area2 (Worldwide) / Area3 (Africa+India,SriLanka,Bangladesh,Pakistan) | Choice: Area1 (WW excl. USA/Caribbean) / Area2 (Worldwide) / Area3 (Africa+India,SriLanka,Bangladesh,Pakistan) | Choice: Area1 (WW excl. USA/Caribbean) / Area2 (Worldwide) / Area3 (Africa+India,SriLanka,Bangladesh,Pakistan) | Choice: Area1 (WW excl. USA/Caribbean) / Area2 (Worldwide) / Area3 (Africa+India,SriLanka,Bangladesh,Pakistan) |
| Inpatient / Hospital Treatment Benefits | ||||
| Hospital Accommodation & Core Charges (room/board, surgeon, anaesthetist, theatre) | Paid in full | Paid in full | Paid in full | Paid in full |
| Intensive Care Unit | Included (Hospital Services) | Included (Hospital Services) | Included (Hospital Services) | Included (Hospital Services) |
| In-Patient Psychiatric Treatment | Paid in full, max 30 days (after 1 yr) | Paid in full, max 30 days (after 1 yr) | Paid in full, max 30 days (after 1 yr) | Paid in full, max 30 days (after 1 yr) |
| Chronic / pre-existing conditions (in- & day-patient) | Covered within listed benefits | Covered within listed benefits | Covered within listed benefits | Covered within listed benefits |
| Organ / Bone Marrow / Stem Cell Transplant | Paid in full (acquisition/donor costs excluded) | Paid in full (acquisition/donor costs excluded) | Paid in full (acquisition/donor costs excluded) | Paid in full (acquisition/donor costs excluded) |
| Reconstructive Surgery | Paid in full | Paid in full | Paid in full | Paid in full |
| Rehabilitation (Inpatient) | £100,000/$200,000 lifetime | £100,000/$200,000 lifetime | £200,000/$400,000 lifetime | £200,000/$400,000 lifetime |
| Kidney dialysis | Up to £100,000/$200,000 (in- or day-patient) | Up to £100,000/$200,000 (in- or day-patient) | Up to £100,000/$200,000 (in- or day-patient) | Up to £100,000/$200,000 (in- or day-patient) |
| Parent Accommodation (staying with child, typically <18) | Paid in full | Paid in full | Paid in full | Paid in full |
| Hospital Cash Benefit (when treatment/accommodation provided free) | £100/$200 per night, max 30 days | £100/$200 per night, max 30 days | £100/$200 per night, max 30 days | £100/$200 per night, max 30 days |
| Hospice & palliative care | Paid in full, max 15 days | Paid in full, max 15 days | Paid in full, max 15 days | Paid in full, max 15 days |
| Local Road Ambulance | Paid in full | Paid in full | Paid in full | Paid in full |
| Congenital & hereditary conditions | Not covered | £15,000/$30,000 lifetime | £25,000/$50,000 lifetime | £25,000/$50,000 lifetime |
| HIV / AIDS | £10,000/$20,000 lifetime (after 2 yrs) | £10,000/$20,000 lifetime (after 2 yrs) | £10,000/$20,000 lifetime (after 2 yrs) | £10,000/$20,000 lifetime (after 2 yrs) |
| Cancer treatment | Paid in full | Paid in full | Paid in full | Paid in full |
| Emergency medical evacuation | Paid in full | Paid in full | Paid in full | Paid in full |
| Repatriation | £7,500/$15,000 | £10,000/$20,000 | Paid in full | Paid in full |
| Out-of-area emergencies (accident / illness) | £20,000/$40,000, max 60 days | £30,000/$60,000, max 60 days | £40,000/$80,000, max 60 days | £50,000/$100,000, max 60 days |
| Outpatient Treatment & Other Benefits | ||||
| Outpatient GP & specialist | Not covered | Full refund ($25/$50 excess/claim) | Full refund ($25/$50 excess/claim) | Full refund ($25/$50 excess/claim) |
| Prescription Drugs | Bundled with Outpatient Services | Bundled with Outpatient Services | Bundled with Outpatient Services | Bundled with Outpatient Services |
| Diagnostics (X-ray / Pathology / Blood tests) | Bundled with Outpatient Services | Bundled with Outpatient Services | Bundled with Outpatient Services | Bundled with Outpatient Services |
| Advanced Imaging (MRI / CT / PET) | Full refund | Full refund | Full refund | Full refund |
| Physiotherapy | Up to 20 sessions, bundled in Outpatient Services | Up to 20 sessions, bundled in Outpatient Services | Up to 20 sessions, bundled in Outpatient Services | Up to 20 sessions, bundled in Outpatient Services |
| Complementary Therapies (Osteopathy, Chiropractic, Acupuncture, TCM etc.) | Not covered | Not covered | £200/$400 (20% co-ins.) | £400/$800 (20% co-ins.) |
| Outpatient Surgery | £2,500/$5,000 | Full refund | Full refund | Full refund |
| Outpatient Psychiatric Treatment | Not covered | £500/$1,000 (20%) | £1,000/$2,000 (20%) | £2,000/$4,000 (20%) |
| Home Nursing (post-discharge) | Paid in full, max 30 days | Paid in full, max 30 days | Paid in full, max 30 days | Paid in full, max 30 days |
| Vaccinations | £50/$100 | £100/$200 | £150/$300 | £200/$400 |
| Routine Health Screening / Wellness Checks | Not covered | £250/$500 (20%) | £400/$800 (20%) | £400/$800 (20%) |
| Optical (eye tests, glasses, lenses) | Not covered | Not covered | £200/$400 (20%) | £200/$400 (20%) |
| Dental — after an accident | Full refund | Full refund | Full refund | Full refund |
| Dental — routine | Not covered | £250/$500 (20%) | £500/$1,000 (20%) | £1,000/$2,000 (20%) |
| Maternity (routine) | Not covered | Not covered | £3,000/$6,000 | £6,000/$12,000 |
| Maternity – Complications | Not covered | Not covered | Full refund | Full refund |
| Second Medical Opinion | Included | Included | ||
| Teleconsultation / Telehealth | Included | Included | Full refund + up to £100/$200 drugs | Full refund + up to £100/$200 drugs |
How APRIL Africa Long-Term compares with our other partner plans
We place seven international health plans in Kenya. If APRIL Africa Long-Term isn’t the right fit, one of these may be — or let our free plan matcher shortlist them for you.
USD 3m – USD 4.5m · 4 levelsNow Health WorldCare
Expats and globally mobile families who want high limits without US premiums.
USD 1.6m – USD 5m · 4 levelsGEHP (AXA / Old Mutual)
Kenya residents who want a locally issued policy with a global network.
USD 2m – USD 10m · 4 levelsBupa Company Africa
Employers wanting a premium global brand for senior staff.
USD 1.5m – USD 3m · 2 levelsBupa Africa Explorer
Individuals and families who want the Bupa name at an Africa-based price.
USD 3m – USD 5m · 5 levelsVUMI Global Flex VIP
Families who want maternity, newborn and even IVF cover (Superior to Total).
USD 50k – USD 6m · 6 levelsCigna Africa
Organisations that want one plan with levels for every grade of staff.
Frequently asked questions
Does APRIL Africa Long-Term cover treatment outside Kenya?
You choose one of three areas: Area 3 (Africa plus India, Sri Lanka, Bangladesh and Pakistan), Area 1 (worldwide excluding the USA and Caribbean) or Area 2 (worldwide). Emergencies outside your area are covered for up to 60 days, from GBP 20,000 / USD 40,000 (Classic) to GBP 50,000 / USD 100,000 (Platinum Plus). Evacuation is paid in full; repatriation is USD 15,000 (Classic), USD 20,000 (Premier) and paid in full on Platinum and Platinum Plus.
Does APRIL Africa Long-Term cover pre-existing or chronic conditions?
Treatment of chronic conditions is covered within the listed benefits on all four levels. Congenital conditions are not covered on Classic and are covered up to USD 30,000–50,000 lifetime on the higher levels; HIV/AIDS is covered up to USD 20,000 lifetime after 2 years. APRIL states that conditions which existed in the two years before cover starts are not covered unless accepted. Under-65s can choose a moratorium (no medical questionnaire; a condition can become covered after 24 symptom-free months), full medical underwriting, or continued exclusions carried over from a previous international policy.
Does APRIL Africa Long-Term include dental and optical cover?
Optical is covered on Platinum and Platinum Plus (USD 400, 20% co-insurance) and not on Classic or Premier. Accident-related dental is paid in full on every level; routine dental is USD 500 (Premier), USD 1,000 (Platinum) or USD 2,000 (Platinum Plus), each with 20% co-insurance, and not covered on Classic.
What is the annual limit on APRIL Africa Long-Term?
APRIL Africa Long-Term has 4 levels with these annual limits: Classic (USD 2m), Premier (USD 2m), Platinum (USD 2m), Platinum Plus (USD 2m). The right level depends on who you are covering, where you need treatment and your budget — we compare them side by side for you.
Can I buy APRIL Africa Long-Term in Kenya through Naveah Capital?
Yes. Naveah Capital is an IRA-licensed insurance agency in Nairobi and a partner for APRIL International in Kenya. We compare Africa Long-Term Health Plan against the other international plans we place, help you choose the right level, area of cover and deductible, submit the application and stay with you through every claim — at no extra cost to you. Call or WhatsApp 0722 710 004, or request a quote on this page.
Get your APRIL Africa Long-Term quote
Tell us who needs cover and where — an IRA-licensed adviser prices APRIL Africa Long-Term and compares it with the other plans we place, usually within the hour.
Summary of the APRIL International plan brochure as compiled in Naveah’s international health comparison, reviewed October 2026. Benefits, limits, waiting periods and exclusions are confirmed on the insurer’s policy documents and your quote. Naveah Capital is an independent, IRA-licensed insurance agency; insurer names and logos belong to their owners.
Naveah Capital · International health team
IRA-licensed insurance agency · 209 Parkwest Building, Parklands, Nairobi
We compare international health plans from seven partner insurers so expats, families and companies in Kenya get the right cover at the right price. Talk to an adviser or call 0722 710 004.
