Compare Health Insurance in Kenya
Compare medical insurance options for individuals, couples, families, children and seniors. CoverIQ helps you review eligible plans from participating Kenyan insurers based on benefits, limits, age, family composition and indicative premiums.
Find medical cover that fits your needs
Compare individual, couple and family, child-only, senior and budget medical insurance options from participating Kenyan insurers.
Individual & Family
Comprehensive cover for you, your spouse, and children.
Learn moreChild Only
Cover your children without a parent on the policy.
Learn moreSenior 65+
Specialized cover for older citizens, 65 years and above.
Learn moreBudget Cover
Affordable options that don't compromise on essential care.
Learn moreWhat to compare in a medical-insurance plan
Availability, limits and waiting periods vary by insurer and product. Review these key factors when comparing your options.
Inpatient limit
The maximum amount an insurer will pay for hospital admission and treatment each year.
Outpatient cover
Covers consultations, tests and treatment where you are not admitted to hospital.
Maternity
Covers pregnancy and childbirth-related care. Availability and waiting periods vary by insurer.
Dental and optical
Optional add-ons for dental treatment and eye care. Limits and co-pays vary by product.
Chronic and pre-existing conditions
May be subject to waiting periods, medical evaluation or specific insurer terms.
Waiting periods
Some benefits are only available after a set period of continuous cover.
Age eligibility
Entry ages and maximum ages differ between insurers and products.
Hospital and provider network
Each insurer has a list of hospitals and clinics where your cover applies.
Premium and statutory charges
Premiums may include statutory levies such as the Policyholders Compensation Fund and stamp duty.
Participating medical insurers
CoverIQ compares eligible medical-insurance options from participating insurers. Product availability depends on age, family composition, selected benefits, underwriting requirements and the information provided.
Explore participating insurers
Compare medical insurance products from individual participating insurers on CoverIQ.
Individual & Family
Comprehensive cover for you, your spouse, and children.
6 approved products availableJCare Premium Individual/Family Health Insurance
Birth (term baby of 38 weeks) to 64 years; existing 65+ members transition to J Seniors
APA Jamii Plus Health Cover
Day 1 (full-term baby) to 80 years
AAR Family Cover
Newborn to 64 years
Jubilee J-Care Family Cover
18 to 64 years
APA Jamii Plus Family Cover
Birth to 80 years
AfyaImara Family Cover
19 to 65 years (new business)
Child Only
Cover your children without a parent on the policy.
6 approved products availableAfyaImara Junior Medical Cover
0 to 21 years (proof of schooling required 19-21)
JCare Premium Individual/Family Health Insurance
Birth (term baby of 38 weeks) to 64 years; existing 65+ members transition to J Seniors
APA Jamii Plus Health Cover
Day 1 (full-term baby) to 80 years
APA Jamii Plus Child Only
Birth to 17 years
Jubilee J-Care Junior Cover
Birth to 17 years (up to 25 with proof of schooling)
AAR Junior CAARE
Birth to 17 years (up to 25 with proof of schooling)
Senior 65+
Specialized cover for older citizens, 65 years and above.
4 approved products availableAfyaImara Seniors Cover
65 to 80 years (age next birthday); medical report and underwriting acceptance required
APA Jamii Plus Health Cover
Day 1 (full-term baby) to 80 years
APA Jamii Plus Seniors Cover
65 to 80 years
AAR Seniors CAARE
65 to 85 years (renewable for life)
Budget Cover
Affordable options that don't compromise on essential care.
2 approved products availableAfyaImara County Family Cover
19 to 65 years (new business)
Jubilee Johari Family Cover
18 to 60 years (main member/spouse); children 0-18
How CoverIQ comparison works
From quote to cover in three clear steps.
Tell us who you want to cover
Share the ages of the principal member, spouse and children to be covered.
Select your preferred benefits and cover level
Choose optional benefits such as outpatient, dental and optical, and your preferred inpatient limit.
Compare eligible plans and request assistance
Review suitable plans side by side, then select a plan or ask a CoverIQ adviser for help.
Why use CoverIQ?
CoverIQ brings eligible medical-insurance options together so you can compare and choose with confidence.
Side-by-side comparison
Compare eligible plans, benefits and indicative premiums in one view.
Transparent benefit information
See key limits, optional benefits and statutory charges before you choose.
Indicative premium quotations
Get indicative annual premiums based on the information you provide.
Access to an insurance adviser
Talk to a CoverIQ adviser on WhatsApp whenever you need help.
Support from quotation through placement
We assist you from your first quote through to selecting and placing your cover.
Frequently asked questions
Ready to compare medical insurance?
Tell us who you want to cover and the benefits that matter to you. CoverIQ will show suitable options based on the information provided.
CoverIQ is a digital insurance comparison and distribution platform operated by Upstreet Insurance Agency. Upstreet Insurance Agency is regulated by the Insurance Regulatory Authority, Kenya. Quotes are indicative and subject to insurer terms, underwriting and final confirmation.