Kenya Premium Health Covers
Compare leading medical covers from Jubilee, Britam, AAR, CIC, APA, First Assurance and Heritage — then apply online in minutes.
How It Works
Get My Quotes Compare ChooseApply Online Pay Insurer Share ProofGet Covered in One to Five Working Days
Your quotes will appear here once you complete your selections.
Premiums are indicative and subject to insurer confirmation and underwriting.
Every quote in full — benefits, exclusions and hospital networks. Page between them with the arrows, or open Details on a quote above.
Premiums are indicative and subject to insurer confirmation and underwriting.
Follow these simple steps to get your health cover activated.
Select your cover type, members and preferred cover limits for inpatient, outpatient, maternity, dental or optical — with the scope per family or per person — to receive your quotes.
Compare premiums and cover options from our insurers side by side and choose the option that suits you.
Complete and submit your application online in minutes.
Pay the insurer directly using the details on your quotation or Pay Insurer page, then share your proof of payment.
NCBA Insurance Premium Financing covers 100% of the premium plus interest, divided into 4 monthly installments. Minimum premium KSh 25,000.
| Premium | Interest |
|---|---|
| KSh 25K – 149,999 | KSh 3,500 |
| KSh 150K – 169,999 | KSh 3,585 |
| KSh 170K – 199,999 | KSh 4,150 |
| KSh 200K – 249,999 | KSh 5,047 |
| KSh 250K – 269,999 | KSh 5,836 |
| KSh 270K – 299,999 | KSh 6,398 |
| KSh 300K or above | 1.84% |
Share your proof of payment and required documents, including:
AI-generated
Cover is typically confirmed within 1–5 working days after full payment directly to the insurer through the listed Payment Methods, or NCBA IPF settlement, and submission of all required documents, subject to insurer underwriting and acceptance.
Start Your CoverFully compliant and regulated by the Kenyan insurance authority.
We curate only high-end covers from Kenya's top insurers.
Direct insurer rates — no hidden fees or markups.
Get covered in as little as 24 hours with our expert team.
History: Serving the region since 1965, when its first Nairobi office opened.
Known for: Milele health plans with options from budget-friendly to comprehensive cover.
Why choose Britam: Broad plan choice, wellness benefits and nationwide hospital access.
Get a Britam Quote →
AARHistory: Founded in Kenya in 1984, originally as an air-rescue and emergency service.
Known for: Individual and family medical plans with inpatient, outpatient, dental and optical benefits.
Why choose AAR: Strong medical focus and flexible family cover options.
Get an AAR Quote →
First AssuranceHistory: A long-established Kenyan insurer and part of the Absa Group.
Known for: First Med for individuals and families, and First Afya Biashara for SME groups.
Why choose First Assurance: Flexible inpatient, outpatient, maternity, dental and optical options across family and group covers.
Get a First Assurance Quote →History: Founded in Mombasa in 1937 and among the region's longest-established insurers.
Known for: J-Care for individuals and families, J-Senior for senior members, and J-Biz for groups.
Why choose Jubilee: Established health insurer with options across different budgets and needs.
Get a Jubilee Quote →History: Its roots date to 1968, when it began within Kenya's co-operative movement.
Known for: Medisure, Afya Bora and other medical products with inpatient and outpatient benefits.
Why choose CIC: Medisure, Seniors Mediplan and SME Medipack options with flexible benefit structures.
Get a CIC Quote →History: Part of Apollo Investments, whose insurance heritage dates back to 1977.
Known for: Jamii Plus family health cover and APA SME Medical Cover for small business groups.
Why choose APA: Flexible family and SME medical cover with inpatient, outpatient and optional benefits.
Get an APA Quote →Your details are used only to respond to your enquiry.
