The Bupa Global Company Africa Plan is a group international health insurance plan for businesses in Africa, available to Kenyan employers through Naveah Capital. It has four levels (Essential, Classic, Gold and Gold Superior) with annual limits of USD 2m, 3m, 5m and 10m, and a choice of Africa, Africa Plus, worldwide excluding the US or worldwide cover. Hospital treatment is paid in full, chronic conditions are covered within the listed benefits, and evacuation is available as optional assistance cover.
Naveah Capital is your Bupa Global partner in Kenya
We arrange, compare and service Company Africa 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 Bupa Company Africa is for
- Employers wanting a premium global brand for senior staff
- Companies needing very high limits (up to USD 10m on Gold Superior)
- Teams that want strong maternity, outpatient and optical benefits
Bupa Company Africa plan levels at a glance
- Included
- Included with a limit
- Optional / add-on
- Not covered
Tables scroll sideways to show every level.
| Benefit | Essential | Classic | Gold | Gold Superior |
|---|---|---|---|---|
| Annual limit | USD 2m/GBP 1.2m/EUR 1.6m | USD 3m/GBP 1.8m/EUR 2.4m | USD 5m/GBP 2.9m/EUR 4m | USD 10m/GBP 5.9m/EUR 8m |
| Deductible / excess | No deductible or $200/$500/$1,000/$2,000 | No deductible or $200/$500/$1,000/$2,000 | No deductible or $200/$500/$1,000/$2,000 | No deductible only |
| Outpatient GP & specialist | $2,000/yr | $10,900/yr | Paid in full | Paid in full |
| Maternity (routine) | $2,000 home/birthing; $15,000 C-section | $10,000 home; $21,500 C-section | $12,000 home; $25,500 C-section | $20,000 home; $28,500 C-section |
| Newborn cover | $150,000, max 90 days | $150,000, max 90 days | $150,000, max 90 days | Paid in full |
Cover outside your region and outside Kenya
Choose Africa, Africa Plus, worldwide excluding the US, or worldwide — with an optional US cover add-on on worldwide plans. Outside your area, members get 28 days of emergency cover (worldwide excluding the US). Emergency evacuation and repatriation are available through optional assistance cover, which we recommend for staff who travel.
| Benefit | Essential | Classic | Gold | Gold Superior |
|---|---|---|---|---|
| Area of cover options | Choice: Africa / Africa Plus / Worldwide excl. US / Worldwide | Choice: Africa / Africa Plus / Worldwide excl. US / Worldwide | Choice: Africa / Africa Plus / Worldwide excl. US / Worldwide | Choice: Africa / Africa Plus / Worldwide excl. US / Worldwide |
| Emergency treatment outside your area | 28 days emergency cover — worldwide excl. U.S. only | 28 days emergency cover — worldwide excl. U.S. only | 28 days emergency cover — worldwide excl. U.S. only | 28 days emergency cover — worldwide excl. U.S. only |
| Out-of-area emergencies (accident / illness) | 28 days emergency cover, worldwide excl. US | 28 days emergency cover, worldwide excl. US | 28 days emergency cover, worldwide excl. US | 28 days emergency cover, worldwide excl. US |
| Planned treatment in the USA | Optional — U.S. cover add-on (worldwide cover only) | Optional — U.S. cover add-on (worldwide cover only) | Optional — U.S. cover add-on (worldwide cover only) | Optional — U.S. cover add-on (worldwide cover only) |
| Emergency medical evacuation | Optional (Assistance cover) — evacuation to nearest appropriate facility | Optional (Assistance cover) — evacuation to nearest appropriate facility | Optional (Assistance cover) — evacuation to nearest appropriate facility | Optional (Assistance cover) — evacuation to nearest appropriate facility |
| Repatriation | Optional (Assistance cover) — repatriation to country of nationality/residence if treatment unavailable locally | Optional (Assistance cover) — repatriation to country of nationality/residence if treatment unavailable locally | Optional (Assistance cover) — repatriation to country of nationality/residence if treatment unavailable locally | Optional (Assistance cover) — repatriation to country of nationality/residence if treatment unavailable locally |
| Planned transfer abroad for treatment | Optional (Assistance cover) — see Emergency Medical Evacuation, above | Optional (Assistance cover) — see Emergency Medical Evacuation, above | Optional (Assistance cover) — see Emergency Medical Evacuation, above | Optional (Assistance cover) — see Emergency Medical Evacuation, above |
Pre-existing and chronic conditions
Treatment of chronic conditions is covered within the listed benefits on all four levels. Congenital conditions are covered from USD 50,000 a year (Essential) to USD 200,000 a year (Gold Superior); HIV/AIDS is not covered on Essential and covered up to USD 20,000 a year on the other levels.
How existing conditions are assessed
Bupa states that chronic and congenital conditions are covered subject to the waiting periods, limitations and exclusions in the membership guide. For groups, underwriting terms depend on company size — we confirm them with your quote.
Source: bupaglobal.com. Your exact terms are confirmed in writing with your quote.
| Benefit | Essential | Classic | Gold | Gold Superior |
|---|---|---|---|---|
| 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 | $50,000/yr | $100,000/yr | $150,000/yr | $200,000/yr |
| HIV / AIDS | Not covered | $20,000/yr | $20,000/yr | $20,000/yr |
| Kidney dialysis | Paid in full | Paid in full | Paid in full | Paid in full |
| Cancer treatment | Paid in full | Paid in full | Paid in full | Paid in full |
| Hospice & palliative care | $41,000 lifetime | $41,000 lifetime | $41,000 lifetime | Paid in full |
Optical and dental cover
Optical is optional on Essential and included on Classic (USD 500/yr), Gold (USD 1,000/yr) and Gold Superior (USD 5,000/yr). Accident-related dental is USD 410/yr on Essential and paid in full above it; routine and major dental are an optional add-on (USD 2,000, 3,500 or 5,000 a year).
| Benefit | Essential | Classic | Gold | Gold Superior |
|---|---|---|---|---|
| Optical (eye tests, glasses, lenses) | Not covered (optional) | $500/yr | $1,000/yr | $5,000/yr |
| Dental — after an accident | $410/yr | Paid in full | Paid in full | Paid in full |
| Dental — routine | Not covered (optional) | Optional $2,000/yr | Optional $3,500/yr | Optional $5,000/yr |
| Dental — major / restorative | Included within optional Dental limit above | Included within optional Dental limit above | Included within optional Dental limit above | Included within optional Dental limit above |
| Laser / refractive eye surgery | Not covered (Eyesight — general exclusion; see Optical add-on) | Not covered (Eyesight — general exclusion; see Optical add-on) | Not covered (Eyesight — general exclusion; see Optical add-on) | Not covered (Eyesight — general exclusion; see Optical add-on) |
Full table of Bupa Company Africa 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 | Classic | Gold | Gold Superior |
|---|---|---|---|---|
| Plan Overview | ||||
| Annual limit | USD 2m/GBP 1.2m/EUR 1.6m | USD 3m/GBP 1.8m/EUR 2.4m | USD 5m/GBP 2.9m/EUR 4m | USD 10m/GBP 5.9m/EUR 8m |
| Area of cover options | Choice: Africa / Africa Plus / Worldwide excl. US / Worldwide | Choice: Africa / Africa Plus / Worldwide excl. US / Worldwide | Choice: Africa / Africa Plus / Worldwide excl. US / Worldwide | Choice: Africa / Africa Plus / Worldwide excl. US / Worldwide |
| Deductible / excess | No deductible or $200/$500/$1,000/$2,000 | No deductible or $200/$500/$1,000/$2,000 | No deductible or $200/$500/$1,000/$2,000 | No deductible only |
| Emergency treatment outside your area | 28 days emergency cover — worldwide excl. U.S. only | 28 days emergency cover — worldwide excl. U.S. only | 28 days emergency cover — worldwide excl. U.S. only | 28 days emergency cover — worldwide excl. U.S. only |
| 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 | Paid in full | Paid in full | Paid in full | Paid in full |
| In-Patient Psychiatric Treatment | Paid in full – no annual/day limits | Paid in full – no annual/day limits | Paid in full – no annual/day limits | Paid in full – no annual/day limits |
| 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 | Paid in full | Paid in full | Paid in full |
| Reconstructive Surgery | Paid in full | Paid in full | Paid in full | Paid in full |
| Rehabilitation (Inpatient) | 42 days/yr (in/day-case) | 42 days/yr (in/day/outpatient) | Paid in full | Paid in full |
| Kidney dialysis | Paid in full | Paid in full | Paid in full | Paid in full |
| Newborn cover | $150,000, max 90 days | $150,000, max 90 days | $150,000, max 90 days | Paid in full |
| 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) | $150/day, max 20 days/yr | $150/day, max 20 days/yr | $150/day, max 20 days/yr | $150/day, max 20 days/yr |
| Hospice & palliative care | $41,000 lifetime | $41,000 lifetime | $41,000 lifetime | Paid in full |
| Local Road Ambulance | Paid in full | Paid in full | Paid in full | Paid in full |
| Local Air Ambulance | Paid in full | Paid in full | Paid in full | Paid in full |
| Congenital & hereditary conditions | $50,000/yr | $100,000/yr | $150,000/yr | $200,000/yr |
| HIV / AIDS | Not covered | $20,000/yr | $20,000/yr | $20,000/yr |
| Cancer treatment | Paid in full | Paid in full | Paid in full | Paid in full |
| Emergency medical evacuation | Optional (Assistance cover) — evacuation to nearest appropriate facility | Optional (Assistance cover) — evacuation to nearest appropriate facility | Optional (Assistance cover) — evacuation to nearest appropriate facility | Optional (Assistance cover) — evacuation to nearest appropriate facility |
| Repatriation | Optional (Assistance cover) — repatriation to country of nationality/residence if treatment unavailable locally | Optional (Assistance cover) — repatriation to country of nationality/residence if treatment unavailable locally | Optional (Assistance cover) — repatriation to country of nationality/residence if treatment unavailable locally | Optional (Assistance cover) — repatriation to country of nationality/residence if treatment unavailable locally |
| Out-of-area emergencies (accident / illness) | 28 days emergency cover, worldwide excl. US | 28 days emergency cover, worldwide excl. US | 28 days emergency cover, worldwide excl. US | 28 days emergency cover, worldwide excl. US |
| Outpatient Treatment & Other Benefits | ||||
| Outpatient GP & specialist | $2,000/yr | $10,900/yr | Paid in full | Paid in full |
| Prescription Drugs | $200/yr | $1,000/yr | $2,000/yr | Paid in full |
| Diagnostics (X-ray / Pathology / Blood tests) | Bundled with consultants' fees line | Bundled with consultants' fees line | Bundled with consultants' fees line | Bundled with consultants' fees line |
| Advanced Imaging (MRI / CT / PET) | Paid in full | Paid in full | Paid in full | Paid in full |
| Physiotherapy | Bundled with therapist visits: 35/yr | 70/yr | Paid in full | Paid in full |
| Complementary Therapies (Osteopathy, Chiropractic, Acupuncture, TCM etc.) | Bundled with therapist visits: 35/yr | 70/yr | Paid in full | Paid in full |
| Outpatient Surgery | Paid in full | Paid in full | Paid in full | Paid in full |
| Outpatient Psychiatric Treatment | Paid in full – no separate outpatient limit | Paid in full – no separate outpatient limit | Paid in full – no separate outpatient limit | Paid in full – no separate outpatient limit |
| Home Nursing (post-discharge) | $200/day, max 10 days | $340/day, max 20 days | Paid in full, max 30 days | Paid in full, max 45 days |
| Vaccinations | Not covered | $430/yr | $1,000/yr | Paid in full |
| Routine Health Screening / Wellness Checks | Not covered | $3,000/yr | $5,000/yr | Paid in full |
| Optical (eye tests, glasses, lenses) | Not covered (optional) | $500/yr | $1,000/yr | $5,000/yr |
| Dental — after an accident | $410/yr | Paid in full | Paid in full | Paid in full |
| Dental — routine | Not covered (optional) | Optional $2,000/yr | Optional $3,500/yr | Optional $5,000/yr |
| Dental — major / restorative | Included within optional Dental limit above | Included within optional Dental limit above | Included within optional Dental limit above | Included within optional Dental limit above |
| Maternity (routine) | $2,000 home/birthing; $15,000 C-section | $10,000 home; $21,500 C-section | $12,000 home; $25,500 C-section | $20,000 home; $28,500 C-section |
| Maternity – Complications | Paid in full | Paid in full | Paid in full | Paid in full |
| Second Medical Opinion | Included (Bupa Global standard wellbeing service) | Included (Bupa Global standard wellbeing service) | Included (Bupa Global standard wellbeing service) | Included (Bupa Global standard wellbeing service) |
| Teleconsultation / Telehealth | Included (Global Virtual Care service) | Included (Global Virtual Care service) | Included (Global Virtual Care service) | Included (Global Virtual Care service) |
| Member/Employee Assistance Programme | Included (Bupa Lifeworks) | Included (Bupa Lifeworks) | Included (Bupa Lifeworks) | Included (Bupa Lifeworks) |
| Additional / Provider-Specific Benefits | ||||
| Gene Therapies | Paid in full, one course per condition per lifetime (ATMPs) | Paid in full, one course per condition per lifetime (ATMPs) | Paid in full, one course per condition per lifetime (ATMPs) | Paid in full, one course per condition per lifetime (ATMPs) |
| External Prostheses (Outpatient, per Policy Year) | Up to $4,000/device | Up to $5,100/device | Up to $6,800/device | Paid in full |
| Passive War & Terrorism | Not covered (Conflict and disaster — general exclusion) | Not covered (Conflict and disaster — general exclusion) | Not covered (Conflict and disaster — general exclusion) | Not covered (Conflict and disaster — general exclusion) |
| Planned treatment in the USA | Optional — U.S. cover add-on (worldwide cover only) | Optional — U.S. cover add-on (worldwide cover only) | Optional — U.S. cover add-on (worldwide cover only) | Optional — U.S. cover add-on (worldwide cover only) |
| Laser / refractive eye surgery | Not covered (Eyesight — general exclusion; see Optical add-on) | Not covered (Eyesight — general exclusion; see Optical add-on) | Not covered (Eyesight — general exclusion; see Optical add-on) | Not covered (Eyesight — general exclusion; see Optical add-on) |
| IVF / Fertility Treatment | Not covered (Infertility treatment — general exclusion) | Not covered (Infertility treatment — general exclusion) | Not covered (Infertility treatment — general exclusion) | Not covered (Infertility treatment — general exclusion) |
| Planned transfer abroad for treatment | Optional (Assistance cover) — see Emergency Medical Evacuation, above | Optional (Assistance cover) — see Emergency Medical Evacuation, above | Optional (Assistance cover) — see Emergency Medical Evacuation, above | Optional (Assistance cover) — see Emergency Medical Evacuation, above |
| Outpatient Claims Handling | Direct settlement with worldwide provider network (43,000+ providers; 2.0m+ with U.S. cover) | Direct settlement with worldwide provider network (43,000+ providers; 2.0m+ with U.S. cover) | Direct settlement with worldwide provider network (43,000+ providers; 2.0m+ with U.S. cover) | Direct settlement with worldwide provider network (43,000+ providers; 2.0m+ with U.S. cover) |
How Bupa Company Africa compares with our other partner plans
We place seven international health plans in Kenya. If Bupa Company Africa 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 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 Bupa Company Africa cover treatment outside Kenya?
Choose Africa, Africa Plus, worldwide excluding the US, or worldwide — with an optional US cover add-on on worldwide plans. Outside your area, members get 28 days of emergency cover (worldwide excluding the US). Emergency evacuation and repatriation are available through optional assistance cover, which we recommend for staff who travel.
Does Bupa Company Africa cover pre-existing or chronic conditions?
Treatment of chronic conditions is covered within the listed benefits on all four levels. Congenital conditions are covered from USD 50,000 a year (Essential) to USD 200,000 a year (Gold Superior); HIV/AIDS is not covered on Essential and covered up to USD 20,000 a year on the other levels. Bupa states that chronic and congenital conditions are covered subject to the waiting periods, limitations and exclusions in the membership guide. For groups, underwriting terms depend on company size — we confirm them with your quote.
Does Bupa Company Africa include dental and optical cover?
Optical is optional on Essential and included on Classic (USD 500/yr), Gold (USD 1,000/yr) and Gold Superior (USD 5,000/yr). Accident-related dental is USD 410/yr on Essential and paid in full above it; routine and major dental are an optional add-on (USD 2,000, 3,500 or 5,000 a year).
What is the annual limit on Bupa Company Africa?
Bupa Company Africa has 4 levels with these annual limits: Essential (USD 2m), Classic (USD 3m), Gold (USD 5m), Gold Superior (USD 10m). 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 Company Africa 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 Company Africa 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 Bupa Company Africa quote
Tell us who needs cover and where — an IRA-licensed adviser prices Bupa Company Africa 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.
