Bupa Global Africa Explorer is an individual and family international health insurance plan for people living in Africa, available in Kenya through Naveah Capital. It has two levels: Essential Plus (USD 1.5m annual limit) and Gold (USD 3m). Cover can be Africa Plus, Africa Plus and Europe, worldwide excluding the US, or worldwide including the US. Hospital treatment, outpatient consultations, evacuation and repatriation are paid in full; dental and optical are optional.
Naveah Capital is your Bupa Global partner in Kenya
We arrange, compare and service Africa Explorer 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 Bupa Africa Explorer is for
- Individuals and families who want the Bupa name at an Africa-based price
- People who want evacuation and repatriation included, not optional
- Frequent travellers who may need US cover
Bupa Africa Explorer plan levels at a glance
- Included
- Included with a limit
- Optional / add-on
- Not covered
Tables scroll sideways to show every level.
| Benefit | Essential Plus | Gold |
|---|---|---|
| Annual limit | USD 1.5m/GBP 882k/EUR 1.2m | USD 3m/GBP 1.7m/EUR 2.4m |
| Deductible / excess | No deductible or $200/$500/$1,000 | No deductible or $200/$500/$1,000 |
| Outpatient GP & specialist | Paid in full | Paid in full |
| Maternity (routine) | $2,000 home/birthing centre (after 10 mo) | $8,000 home/birthing centre (after 10 mo) |
| Newborn cover | $50,000, max 90 days from birth | $100,000, max 90 days from birth |
Cover outside your region and outside Kenya
Choose Africa Plus, Africa Plus and Europe, worldwide excluding the US, or worldwide including the US. Emergencies outside your area are covered up to USD 50,000 for a maximum of 30 days a year. Emergency evacuation and repatriation are standard on both levels, not optional extras.
| Benefit | Essential Plus | Gold |
|---|---|---|
| Area of cover options | Africa Plus, or Africa Plus + Europe, or Worldwide excl. US, or Worldwide incl. US | Africa Plus, or Africa Plus + Europe, or Worldwide excl. US, or Worldwide incl. US |
| Emergency treatment outside your area | $50,000, max 30 days/yr (Emergency out of area cover) | $50,000, max 30 days/yr (Emergency out of area cover) |
| Out-of-area emergencies (accident / illness) | $50,000, max 30 days/yr | $50,000, max 30 days/yr |
| Planned treatment in the USA | Optional — Worldwide including U.S. area-of-cover option | Optional — Worldwide including U.S. area-of-cover option |
| Emergency medical evacuation | Paid in full (Assistance cover — standard, not optional) | Paid in full (Assistance cover — standard, not optional) |
| Repatriation | Paid in full (Assistance cover — standard, not optional) | Paid in full (Assistance cover — standard, not optional) |
Pre-existing and chronic conditions
The plan brochure does not list a separate chronic-conditions line for Africa Explorer, so an adviser confirms how your condition is treated before you buy. Congenital conditions are covered up to USD 50,000 a year (Essential Plus) or USD 100,000 (Gold); HIV/AIDS up to USD 5,000–10,000 a year after one year of membership.
How existing conditions are assessed
Bupa says Africa Explorer offers cover for pre-existing, chronic and hereditary conditions subject to underwriting — conditions may be accepted, accepted with an extra premium, or excluded.
Source: bupaglobal.com. Your exact terms are confirmed in writing with your quote.
| Benefit | Essential Plus | Gold |
|---|---|---|
| Congenital & hereditary conditions | $50,000/yr | $100,000/yr |
| HIV / AIDS | $5,000/yr (after 1 yr membership) | $10,000/yr (after 1 yr membership) |
| Kidney dialysis | Paid in full | Paid in full |
| Cancer treatment | Paid in full | Paid in full |
| Hospice & palliative care | $20,000 lifetime max | $20,000 lifetime max |
Optical and dental cover
Optical is optional: 75% up to USD 200 a year (Essential Plus) or USD 400 (Gold). Dental — routine, major and accident-related — is an optional add-on paying 75% up to USD 600 or USD 1,000 a year, after 6 months of membership.
| Benefit | Essential Plus | Gold |
|---|---|---|
| Optical (eye tests, glasses, lenses) | Optional — 75% up to $200/yr | Optional — 75% up to $400/yr |
| Dental — after an accident | Optional dental add-on (see Dental — Routine, below) | Optional dental add-on (see Dental — Routine, below) |
| Dental — routine | Optional — 75% up to $600/yr (after 6 mo) | Optional — 75% up to $1,000/yr (after 6 mo) |
| Dental — major / restorative | Optional dental add-on — same limit as Routine (not split), see above | Optional dental add-on — same limit as Routine (not split), see above |
Full table of Bupa Africa Explorer benefits
Every benefit from the Bupa Global plan brochure, level by level, as compiled in Naveah’s international health comparison.
Show all 56 benefits
| Benefit | Essential Plus | Gold |
|---|---|---|
| Plan Overview | ||
| Annual limit | USD 1.5m/GBP 882k/EUR 1.2m | USD 3m/GBP 1.7m/EUR 2.4m |
| Area of cover options | Africa Plus, or Africa Plus + Europe, or Worldwide excl. US, or Worldwide incl. US | Africa Plus, or Africa Plus + Europe, or Worldwide excl. US, or Worldwide incl. US |
| Deductible / excess | No deductible or $200/$500/$1,000 | No deductible or $200/$500/$1,000 |
| Emergency treatment outside your area | $50,000, max 30 days/yr (Emergency out of area cover) | $50,000, max 30 days/yr (Emergency out of area cover) |
| Inpatient / Hospital Treatment Benefits | ||
| Hospital Accommodation & Core Charges (room/board, surgeon, anaesthetist, theatre) | Paid in full | Paid in full |
| Intensive Care Unit | Paid in full | Paid in full |
| In-Patient Psychiatric Treatment | Paid in full | Paid in full |
| Organ / Bone Marrow / Stem Cell Transplant | Paid in full | Paid in full |
| Rehabilitation (Inpatient) | Paid in full up to 42 days/yr | Paid in full up to 42 days/yr |
| Kidney dialysis | Paid in full | Paid in full |
| Newborn cover | $50,000, max 90 days from birth | $100,000, max 90 days from birth |
| Parent Accommodation (staying with child, typically <18) | Paid in full | Paid in full |
| Hospice & palliative care | $20,000 lifetime max | $20,000 lifetime max |
| Local Road Ambulance | Paid in full (air & road ambulance) | Paid in full (air & road ambulance) |
| Local Air Ambulance | Paid in full (air & road ambulance) | Paid in full (air & road ambulance) |
| Congenital & hereditary conditions | $50,000/yr | $100,000/yr |
| HIV / AIDS | $5,000/yr (after 1 yr membership) | $10,000/yr (after 1 yr membership) |
| Cancer treatment | Paid in full | Paid in full |
| Emergency medical evacuation | Paid in full (Assistance cover — standard, not optional) | Paid in full (Assistance cover — standard, not optional) |
| Repatriation | Paid in full (Assistance cover — standard, not optional) | Paid in full (Assistance cover — standard, not optional) |
| Out-of-area emergencies (accident / illness) | $50,000, max 30 days/yr | $50,000, max 30 days/yr |
| Outpatient Treatment & Other Benefits | ||
| Outpatient GP & specialist | Paid in full | Paid in full |
| Prescription Drugs | $300/yr | $2,000/yr |
| Diagnostics (X-ray / Pathology / Blood tests) | Paid in full | Paid in full |
| Advanced Imaging (MRI / CT / PET) | Paid in full | Paid in full |
| Physiotherapy | Paid in full up to 30 visits/yr | Paid in full up to 30 visits/yr |
| Complementary Therapies (Osteopathy, Chiropractic, Acupuncture, TCM etc.) | Paid in full up to 30 visits/yr (bundled with physiotherapy) | Paid in full up to 30 visits/yr (bundled with physiotherapy) |
| Outpatient Surgery | Paid in full | Paid in full |
| Outpatient Psychiatric Treatment | Included within specialists' fees (shared annual maximum) | Included within specialists' fees (shared annual maximum) |
| Home Nursing (post-discharge) | $200/day, max 15 days/yr | $200/day, max 30 days/yr |
| Vaccinations | $200/yr | $1,000/yr |
| Routine Health Screening / Wellness Checks | Not covered | $500/yr (after 1 yr membership) |
| Optical (eye tests, glasses, lenses) | Optional — 75% up to $200/yr | Optional — 75% up to $400/yr |
| Dental — after an accident | Optional dental add-on (see Dental — Routine, below) | Optional dental add-on (see Dental — Routine, below) |
| Dental — routine | Optional — 75% up to $600/yr (after 6 mo) | Optional — 75% up to $1,000/yr (after 6 mo) |
| Dental — major / restorative | Optional dental add-on — same limit as Routine (not split), see above | Optional dental add-on — same limit as Routine (not split), see above |
| Maternity (routine) | $2,000 home/birthing centre (after 10 mo) | $8,000 home/birthing centre (after 10 mo) |
| Maternity – Complications | Paid in full | Paid in full |
| Member/Employee Assistance Programme | Not applicable (individual plan) | Not applicable (individual plan) |
| Additional / Provider-Specific Benefits | ||
| External Prostheses (Outpatient, per Policy Year) | $4,000/device | $4,000/device |
| Planned treatment in the USA | Optional — Worldwide including U.S. area-of-cover option | Optional — Worldwide including U.S. area-of-cover option |
| IVF / Fertility Treatment | Not covered (Infertility treatment — general exclusion) | Not covered (Infertility treatment — general exclusion) |
| Value-Add Medical Advice & Case / Chronic Condition Management | Included (Healthline — 24/7 medical assistance, interpreter service, complex-case management) | Included (Healthline — 24/7 medical assistance, interpreter service, complex-case management) |
How Bupa Africa Explorer compares with our other partner plans
We place seven international health plans in Kenya. If Bupa Africa Explorer 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 2m · 4 levelsAPRIL Africa Long-Term
People based in Kenya who want a straightforward USD 2m limit at a regional price (Area 3).
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 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 Bupa Africa Explorer cover treatment outside Kenya?
Choose Africa Plus, Africa Plus and Europe, worldwide excluding the US, or worldwide including the US. Emergencies outside your area are covered up to USD 50,000 for a maximum of 30 days a year. Emergency evacuation and repatriation are standard on both levels, not optional extras.
Does Bupa Africa Explorer cover pre-existing or chronic conditions?
The plan brochure does not list a separate chronic-conditions line for Africa Explorer, so an adviser confirms how your condition is treated before you buy. Congenital conditions are covered up to USD 50,000 a year (Essential Plus) or USD 100,000 (Gold); HIV/AIDS up to USD 5,000–10,000 a year after one year of membership. Bupa says Africa Explorer offers cover for pre-existing, chronic and hereditary conditions subject to underwriting — conditions may be accepted, accepted with an extra premium, or excluded.
Does Bupa Africa Explorer include dental and optical cover?
Optical is optional: 75% up to USD 200 a year (Essential Plus) or USD 400 (Gold). Dental — routine, major and accident-related — is an optional add-on paying 75% up to USD 600 or USD 1,000 a year, after 6 months of membership.
What is the annual limit on Bupa Africa Explorer?
Bupa Africa Explorer has 2 levels with these annual limits: Essential Plus (USD 1.5m), Gold (USD 3m). 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 Bupa Africa Explorer in Kenya through Naveah Capital?
Yes. Naveah Capital is an IRA-licensed insurance agency in Nairobi and a partner for Bupa Global in Kenya. We compare Africa Explorer 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 Bupa Africa Explorer quote
Tell us who needs cover and where — an IRA-licensed adviser prices Bupa Africa Explorer and compares it with the other plans we place, usually within the hour.
Summary of the Bupa Global 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.
