The Global Executive Health Plan (GEHP) is an international medical insurance plan issued in Kenya by Old Mutual General Insurance with AXA Global Healthcare's international network, available through Naveah Capital. It has four levels (Standard, Comprehensive, Prestige and Prestige Plus) with annual limits of USD 1.6m to USD 5m. Cover is based on Africa plus India, Pakistan, Bangladesh and Sri Lanka, with optional worldwide-excluding-USA cover and, on Prestige levels, full worldwide cover. Chronic conditions are included on every level.
Naveah Capital is your AXA & Old Mutual partner in Kenya
We arrange, compare and service Global Executive Health Plan (GEHP) 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 GEHP (AXA / Old Mutual) is for
- Kenya residents who want a locally issued policy with a global network
- Executives and SMEs wanting chronic conditions included from the entry level
- Families who want maternity and dental (Prestige, Prestige Plus)
GEHP (AXA / Old Mutual) plan levels at a glance
- Included
- Included with a limit
- Optional / add-on
- Not covered
Tables scroll sideways to show every level.
| Benefit | Standard | Comprehensive | Prestige | Prestige Plus |
|---|---|---|---|---|
| Annual limit | $1,600,000 | $1,600,000 | $2,500,000 | $5,000,000 |
| Deductible / excess | No excess/$250/$750/$1,500/$4,000 | No excess/$250/$750/$1,500/$4,000 | No excess/$40/$80/$150/$250 | No excess/$40/$80/$150/$250 |
| Outpatient GP & specialist | $3,000/yr combined limit | $5,000/yr combined limit | Included | Included |
| Maternity (routine) | Not covered | Not covered | $4,500/yr (moratorium) | $8,000/yr (moratorium) |
| Newborn cover | $100,000, max 90 nights | $100,000, max 90 nights | $100,000, max 90 nights | $100,000, max 90 nights |
Cover outside your region and outside Kenya
GEHP's base area is Africa plus India, Pakistan, Bangladesh and Sri Lanka. Worldwide excluding the USA can be added on every level, and full worldwide cover on Prestige and Prestige Plus (with optional planned USA treatment). When you travel outside your area, emergency treatment is covered for up to 90 days per period (60 days per event). Evacuation and repatriation are included on every level.
| Benefit | Standard | Comprehensive | Prestige | Prestige Plus |
|---|---|---|---|---|
| Area of cover options | Africa+India/Pak/Bangladesh/SriLanka; +optional WW excl. USA | Africa+India/Pak/Bangladesh/SriLanka; +optional WW excl. USA | Africa+...; +optional WW excl. USA; +optional Worldwide | Africa+...; +optional WW excl. USA; +optional Worldwide |
| Emergency treatment outside your area | Up to 90 days/period; treatment limited to 60 days/event | Up to 90 days/period; treatment limited to 60 days/event | Up to 90 days/period; treatment limited to 60 days/event | Up to 90 days/period; treatment limited to 60 days/event |
| Planned treatment in the USA | No Cover | No Cover | Optional | Optional |
| Emergency medical evacuation | Included | Included | Included | Included |
| Repatriation | Included (part of Evacuation and Repatriation) | Included (part of Evacuation and Repatriation) | Included (part of Evacuation and Repatriation) | Included (part of Evacuation and Repatriation) |
Pre-existing and chronic conditions
In- and day-patient treatment of chronic conditions is included on all four GEHP levels. Congenital conditions are covered up to USD 100,000 per condition, and HIV/AIDS up to USD 10,000 with no waiting period.
How existing conditions are assessed
The plan brochure does not set out the underwriting method. Before you apply, we confirm in writing how any condition you already have will be treated — covered, covered with an extra premium, or excluded — so there are no surprises at claim time.
| Benefit | Standard | Comprehensive | Prestige | Prestige Plus |
|---|---|---|---|---|
| Chronic / pre-existing conditions (in- & day-patient) | Included | Included | Included | Included |
| Congenital & hereditary conditions | $100,000/condition | $100,000/condition | $100,000/condition | $100,000/condition |
| HIV / AIDS | Up to $10,000, no waiting period | Up to $10,000, no waiting period | Up to $10,000, no waiting period | Up to $10,000, no waiting period |
| Cancer treatment | Included | Included | Included | Included |
| Hospice & palliative care | Paid in full, max 30 nights | Paid in full, max 30 nights | Included | Included |
Optical and dental cover
Optical care is not covered in the base plan. Accident-related dental is covered up to USD 3,750 per event on every level; routine dental is an optional 75% up to USD 400 on Prestige and included at 75% up to USD 1,000 on Prestige Plus, which also includes major dental (75% up to USD 1,000).
| Benefit | Standard | Comprehensive | Prestige | Prestige Plus |
|---|---|---|---|---|
| Optical (eye tests, glasses, lenses) | Not covered in base plan | Not covered in base plan | Not covered in base plan | Not covered in base plan |
| Dental — after an accident | Up to $3,750/event | Up to $3,750/event | Up to $3,750/event | Up to $3,750/event |
| Dental — routine | Not covered | Not covered | 75% up to $400 (optional) | 75% up to $1,000 |
| Dental — major / restorative | Not covered | Not covered | Not covered | 75% up to $1,000 |
| Laser / refractive eye surgery | No Cover | No Cover |
Full table of GEHP (AXA / Old Mutual) benefits
Every benefit from the AXA & Old Mutual plan brochure, level by level, as compiled in Naveah’s international health comparison.
Show all 56 benefits
| Benefit | Standard | Comprehensive | Prestige | Prestige Plus |
|---|---|---|---|---|
| Plan Overview | ||||
| Annual limit | $1,600,000 | $1,600,000 | $2,500,000 | $5,000,000 |
| Area of cover options | Africa+India/Pak/Bangladesh/SriLanka; +optional WW excl. USA | Africa+India/Pak/Bangladesh/SriLanka; +optional WW excl. USA | Africa+...; +optional WW excl. USA; +optional Worldwide | Africa+...; +optional WW excl. USA; +optional Worldwide |
| Deductible / excess | No excess/$250/$750/$1,500/$4,000 | No excess/$250/$750/$1,500/$4,000 | No excess/$40/$80/$150/$250 | No excess/$40/$80/$150/$250 |
| Emergency treatment outside your area | Up to 90 days/period; treatment limited to 60 days/event | Up to 90 days/period; treatment limited to 60 days/event | Up to 90 days/period; treatment limited to 60 days/event | Up to 90 days/period; treatment limited to 60 days/event |
| Inpatient / Hospital Treatment Benefits | ||||
| Hospital Accommodation & Core Charges (room/board, surgeon, anaesthetist, theatre) | Included | Included | Included | Included |
| Intensive Care Unit | Included in hospital & day-patient fees | Included in hospital & day-patient fees | Included in hospital & day-patient fees | Included in hospital & day-patient fees |
| In-Patient Psychiatric Treatment | Included, max 30 nights | Included, max 30 nights | Included, max 30 nights | Included, max 30 nights |
| Chronic / pre-existing conditions (in- & day-patient) | Included | Included | Included | Included |
| Organ / Bone Marrow / Stem Cell Transplant | Included | Included | Included | Included |
| Reconstructive Surgery | Included | Included | Included | Included |
| Rehabilitation (Inpatient) | 28 days/event (+92 days ext. if necessary) | 28 days/event (+92 days ext. if necessary) | 28 days/event (+92 days ext. if necessary) | 28 days/event (+92 days ext. if necessary) |
| Newborn cover | $100,000, max 90 nights | $100,000, max 90 nights | $100,000, max 90 nights | $100,000, max 90 nights |
| Parent Accommodation (staying with child, typically <18) | Included | Included | Included | Included |
| Hospital Cash Benefit (when treatment/accommodation provided free) | $450/night, max 30 nights | $450/night, max 30 nights | $450/night, max 30 nights | $450/night, max 30 nights |
| Hospice & palliative care | Paid in full, max 30 nights | Paid in full, max 30 nights | Included | Included |
| Local Road Ambulance | Included | Included | Included | Included |
| Local Air Ambulance | Included | Included | Included | Included |
| Congenital & hereditary conditions | $100,000/condition | $100,000/condition | $100,000/condition | $100,000/condition |
| HIV / AIDS | Up to $10,000, no waiting period | Up to $10,000, no waiting period | Up to $10,000, no waiting period | Up to $10,000, no waiting period |
| Cancer treatment | Included | Included | Included | Included |
| Emergency medical evacuation | Included | Included | Included | Included |
| Repatriation | Included (part of Evacuation and Repatriation) | Included (part of Evacuation and Repatriation) | Included (part of Evacuation and Repatriation) | Included (part of Evacuation and Repatriation) |
| Outpatient Treatment & Other Benefits | ||||
| Outpatient GP & specialist | $3,000/yr combined limit | $5,000/yr combined limit | Included | Included |
| Prescription Drugs | Bundled with outpatient treatment limit above | Bundled with outpatient treatment limit above | Bundled with outpatient treatment limit above | Bundled with outpatient treatment limit above |
| Diagnostics (X-ray / Pathology / Blood tests) | Bundled with outpatient treatment limit above | Bundled with outpatient treatment limit above | Bundled with outpatient treatment limit above | Bundled with outpatient treatment limit above |
| Advanced Imaging (MRI / CT / PET) | Included | Included | Included | Included |
| Physiotherapy | Bundled with outpatient treatment limit above | Bundled with outpatient treatment limit above | Bundled with outpatient treatment limit above | Bundled with outpatient treatment limit above |
| Outpatient Surgery | Included | Included | Included | Included |
| Outpatient Psychiatric Treatment | Not covered | Not covered | $4,500/condition | $4,500/condition |
| Home Nursing (post-discharge) | Max 60 days | Max 60 days | Max 90 days | Max 120 days |
| Vaccinations | Not covered | Not covered | Optional upgrade | Included |
| Routine Health Screening / Wellness Checks | Not covered | Not covered | Optional, up to $400 (w/ vacc.) | Included + optional health check up to $400 |
| Optical (eye tests, glasses, lenses) | Not covered in base plan | Not covered in base plan | Not covered in base plan | Not covered in base plan |
| Dental — after an accident | Up to $3,750/event | Up to $3,750/event | Up to $3,750/event | Up to $3,750/event |
| Dental — routine | Not covered | Not covered | 75% up to $400 (optional) | 75% up to $1,000 |
| Dental — major / restorative | Not covered | Not covered | Not covered | 75% up to $1,000 |
| Maternity (routine) | Not covered | Not covered | $4,500/yr (moratorium) | $8,000/yr (moratorium) |
| Maternity – Complications | Included | Included | Included | Included |
| Second Medical Opinion | Not covered | Not covered | Covered in Full | Covered in Full |
| Additional / Provider-Specific Benefits | ||||
| External Prostheses (Outpatient, per Policy Year) | Covered up to $1,000 | Covered up to $1,000 | Covered up to $1,000 | Covered up to $2,000 |
| Passive War & Terrorism | No Cover | No Cover | Covered in Full | Covered in Full |
| Planned treatment in the USA | No Cover | No Cover | Optional | Optional |
| Laser / refractive eye surgery | No Cover | No Cover | ||
| IVF / Fertility Treatment | No Cover | No Cover | No Cover | No Cover |
How GEHP (AXA / Old Mutual) compares with our other partner plans
We place seven international health plans in Kenya. If GEHP (AXA / Old Mutual) 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 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 GEHP (AXA / Old Mutual) cover treatment outside Kenya?
GEHP's base area is Africa plus India, Pakistan, Bangladesh and Sri Lanka. Worldwide excluding the USA can be added on every level, and full worldwide cover on Prestige and Prestige Plus (with optional planned USA treatment). When you travel outside your area, emergency treatment is covered for up to 90 days per period (60 days per event). Evacuation and repatriation are included on every level.
Does GEHP (AXA / Old Mutual) cover pre-existing or chronic conditions?
In- and day-patient treatment of chronic conditions is included on all four GEHP levels. Congenital conditions are covered up to USD 100,000 per condition, and HIV/AIDS up to USD 10,000 with no waiting period.
Does GEHP (AXA / Old Mutual) include dental and optical cover?
Optical care is not covered in the base plan. Accident-related dental is covered up to USD 3,750 per event on every level; routine dental is an optional 75% up to USD 400 on Prestige and included at 75% up to USD 1,000 on Prestige Plus, which also includes major dental (75% up to USD 1,000).
What is the annual limit on GEHP (AXA / Old Mutual)?
GEHP (AXA / Old Mutual) has 4 levels with these annual limits: Standard (USD 1.6m), Comprehensive (USD 1.6m), Prestige (USD 2.5m), Prestige Plus (USD 5m). 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 GEHP (AXA / Old Mutual) in Kenya through Naveah Capital?
Yes. Naveah Capital is an IRA-licensed insurance agency in Nairobi and a partner for AXA & Old Mutual in Kenya. We compare Global Executive Health Plan (GEHP) 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 GEHP (AXA / Old Mutual) quote
Tell us who needs cover and where — an IRA-licensed adviser prices GEHP (AXA / Old Mutual) and compares it with the other plans we place, usually within the hour.
Summary of the AXA & Old Mutual 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.
