Medical cover guide
CIC medical insurance in Kenya
Compare every CIC plan we quote — inpatient limits, bed entitlement, optional benefits, waiting periods and co-payments — then get a personalised quotation in minutes.
Cover typesGroup and SME / Individual and family
Products3
Inpatient limitsKSh 300,000 to KSh 10,000,000
Bed entitlementPrivate room up to KSh 28,000/day · Private room up to KSh 20,000/day · Private room up to KSh 18,000/day
Medical examinationVaries by product
CIC products we quote
Individual and family
CIC Medisure Family
CIC Medisure is CIC's individual and family medical plan, sold on named tiers from Comprehensive to Prestige with optional outpatient, maternity, dental and optical benefits.
Read the guide →
Individual and family
CIC Senior Mediplan
CIC Senior Mediplan covers members aged 61 and above, with inpatient limits from KSh 500,000 and optional outpatient and dental benefits.
Read the guide →
Group and SME
CIC SME Medipack
CIC SME Medipack is a staff medical scheme for small businesses, priced per employee with choice of inpatient limit and optional outpatient cover.
Read the guide →
Plans, limits and bed entitlement
CIC Medisure Family
| Inpatient limit | Plan | Bed entitlement |
|---|---|---|
| KSh 300,000 | Medisure Essential | General Ward Bed |
| KSh 500,000 | Medisure Standard | General Ward Bed |
| KSh 1,000,000 | Medisure Comprehensive | General Ward Bed |
| KSh 2,000,000 | Medisure Superior | Private room up to KSh 15,000/day |
| KSh 3,500,000 | Medisure Premier | Private room up to KSh 18,000/day |
| KSh 5,000,000 | Medisure Prestige | Private room up to KSh 20,000/day |
| KSh 10,000,000 | Medisure Platinum | Private room up to KSh 28,000/day |
CIC Senior Mediplan
| Inpatient limit | Plan | Bed entitlement |
|---|---|---|
| KSh 300,000 | Senior Mediplan I | General Ward Bed |
| KSh 500,000 | Senior Mediplan II | General Ward Bed |
| KSh 1,000,000 | Senior Mediplan III | General Ward Bed |
| KSh 2,000,000 | Senior Mediplan IV | Standard Private Room up to KSh 15,000/day |
| KSh 3,000,000 | Senior Mediplan V | Standard Private Room up to KSh 16,000/day |
| KSh 5,000,000 | Senior Mediplan VI | Standard Private Room up to KSh 20,000/day |
CIC SME Medipack
| Inpatient limit | Plan | Bed entitlement |
|---|---|---|
| KSh 300,000 | SME Medipack Option 1 | General Ward Bed |
| KSh 500,000 | SME Medipack Option 2 | General Ward Bed |
| KSh 1,000,000 | SME Medipack Option 3 | General Ward Bed |
| KSh 2,000,000 | SME Medipack Option 4 | KSh 17,500/day |
| KSh 3,000,000 | SME Medipack Option 5 | KSh 18,000/day |
| KSh 4,000,000 | SME Medipack Option 6 | KSh 19,000/day |
| KSh 5,000,000 | SME Medipack Option 7 | KSh 20,000/day |
| KSh 10,000,000 | SME Medipack Option 8 | KSh 25,000/day |
What CIC cover includes
- Inpatient medical cover
- Pre-existing and chronic conditions
- Newly diagnosed chronic conditions
- Emergency road and air evacuation
- Post-hospitalisation care
- Optional outpatient where applicable
- Dental and optical benefits where applicable
Waiting periods
- Waiting periods vary by CIC product and benefit
Co-payment, where it applies
- See product-specific CIC co-payment details
How cover and payment work
Cover is arranged through CIC and the premium is paid directly to the insurer — by the payment ' 'methods printed on your quotation — never to Now Insurance Agency. We prepare the application, ' 'check it against the insurer's requirements and follow it through to activation. Cover is ' 'typically confirmed within 1 to 5 working days of payment and complete documents, subject to ' 'insurer underwriting and acceptance.
Read more about paying the insurer or check the ' 'provider network before you choose a limit.
CIC medical cover — frequently asked questions
How do I get a CIC medical cover quotation?
Use our online quote form. Choose who is covered, the inpatient limit and any optional benefits, and every suitable CIC plan is priced side by side with a downloadable quotation.
What inpatient limits does CIC offer?
The limits available on our quotation are listed in the plans table above. Each limit is a separate plan with its own benefits schedule, and the premium changes with the limit, the members covered and their ages.
Are outpatient, maternity, dental and optical benefits included?
They are chosen separately on top of the inpatient cover. Where a plan offers them, the selectable amounts are listed above; the premium is shown before you apply.
How is the premium paid?
Premiums are paid directly to CIC using the payment details printed on your quotation. Now Insurance Agency never collects client payments. Once you pay, send us the confirmation and we follow up on cover processing.
Does anyone need a medical examination?
Medical examination requirements for CIC: varies by product. Where a form is needed we send it with your application pack.
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