Compare Family Medical Insurance in Kenya
Compare family medical insurance options from participating insurers in Kenya. Review inpatient and outpatient benefits, maternity, dental and optical options, eligibility, waiting periods and premiums before choosing cover for your household.
What is family medical insurance?
Family medical insurance can cover eligible household members under one policy or related family arrangement, depending on the insurer and product.
- Eligible family composition differs by insurer.
- Benefits may be shared across the family or individually limited per member.
- Age limits and dependency rules vary by insurer and product.
- Underwriting, waiting periods and exclusions may apply.
- The final premium depends on ages, household composition, benefits and selected limits.
Who can be included in family medical cover?
Eligible family composition depends on each insurer's rules. The arrangements below are commonly available, but age limits, dependency rules and maximum household sizes vary by product.
One adult
Cover for a single principal member.
Couple
Cover for two adults under one policy.
Parent and child
Cover for a parent and one or more children.
Couple with children
Cover for two adults and their dependent children.
Larger family
Cover for larger households, subject to insurer limits.
What should families compare before choosing a plan?
Inpatient limit
The annual maximum an insurer will pay for hospital admissions and major treatment for your family.
Outpatient benefit
Whether day-to-day consultations, tests and pharmacy costs are included or available as an add-on.
Maternity benefit
Whether pregnancy and childbirth-related care is included, optional or subject to a waiting period.
Dental and optical benefits
Whether dental treatment and eye care are included or available as optional add-ons, and any limits.
Chronic and pre-existing conditions
How ongoing conditions are handled, including waiting periods, medical evaluation or specific insurer terms.
Waiting periods
The time before certain benefits — such as maternity, dental or pre-existing condition cover — become active.
Entry and renewal ages
The minimum and maximum ages for joining a plan and for renewal, which differ between insurers and products.
Hospital and provider network
The hospitals, clinics and doctors your family can access under each insurer’s network.
Annual premium and statutory charges
The total amount you pay, including any statutory levies such as the Policyholders Compensation Fund and stamp duty.
Benefits, limits, eligibility and availability vary by insurer and plan. Always review the applicable policy terms before purchasing cover.
Family medical insurance plans available on CoverIQ
Participating family medical insurance options currently available for comparison through CoverIQ.
AAR Family Cover
Newborn to 64 years
AfyaImara Family Cover
19 to 65 years (new business)
APA Jamii Plus Family Cover
Birth to 80 years
Jubilee J-Care Family Cover
18 to 64 years
How to compare family health insurance with CoverIQ
Tell us who you want to cover
Share the ages of the principal member, spouse and children to be covered.
Choose the benefits and limits you need
Select optional benefits such as outpatient, dental and optical, and your preferred inpatient limit.
Compare eligible plans and request assistance
Review suitable family plans side by side, then select a plan or ask a CoverIQ adviser for help.
Frequently asked questions
Ready to compare family medical insurance?
Tell us who you want to cover and the benefits you need. CoverIQ will show eligible options from participating insurers based on the information you provide.