Medical cover guide

First Assurance First Afya Biashara — limits, benefits and options

First Afya Biashara is First Assurance's group scheme for businesses, priced per family by family size (M+0 upwards) with optional outpatient, maternity, dental and optical benefits.

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Cover typeGroup and SME

Inpatient limitsKSh 250,000 to KSh 10,000,000

Plans available13

Medical examinationApplicants aged 51 and above

First Assurance First Afya Biashara — inpatient limits

Inpatient limit	Bed entitlement	Plan
KSh 250,000	Standard ward bed net of SHIF	First Afya Biashara · KSh 250K
KSh 300,000	Standard ward bed net of SHIF	First Afya Biashara · KSh 300K
KSh 400,000	Standard ward bed net of SHIF	First Afya Biashara · KSh 400K
KSh 500,000	Standard ward bed net of SHIF	First Afya Biashara · KSh 500K
KSh 750,000	Standard ward bed net of SHIF	First Afya Biashara · KSh 750K
KSh 1,000,000	Private Standard Room up to KSh 13,000/day net of SHIF	First Afya Biashara · KSh 1M
KSh 1,500,000	Private Standard Room up to KSh 13,500/day net of SHIF	First Afya Biashara · KSh 1.5M
KSh 2,000,000	Private Standard Room up to KSh 17,000/day net of SHIF	First Afya Biashara · KSh 2M
KSh 3,000,000	Private Standard Room up to KSh 18,000/day net of SHIF	First Afya Biashara · KSh 3M
KSh 4,000,000	Private Standard Room up to KSh 19,000/day net of SHIF	First Afya Biashara · KSh 4M
KSh 5,000,000	Private Standard Room up to KSh 22,500/day net of SHIF	First Afya Biashara · KSh 5M
KSh 7,500,000	Ensuite Room up to KSh 23,500/day net of SHIF	First Afya Biashara · KSh 7.5M
KSh 10,000,000	Ensuite Room up to KSh 26,500/day net of SHIF	First Afya Biashara · KSh 10M

Premiums depend on the members covered and their ages, so the price for a limit is confirmed in your quotation.

Optional benefits you can add

Depending on the plan you choose, the following can be added to the inpatient cover:

Outpatient: KSh 30,000, KSh 50,000, KSh 75,000, KSh 100,000, KSh 150,000, KSh 200,000, KSh 250,000, KSh 300,000, KSh 350,000, KSh 400,000, KSh 450,000, KSh 500,000
Maternity: KSh 50,000, KSh 60,000, KSh 75,000, KSh 80,000, KSh 100,000, KSh 120,000, KSh 150,000, KSh 175,000, KSh 200,000, KSh 250,000, KSh 300,000
Dental: KSh 5,000, KSh 7,500, KSh 10,000, KSh 15,000, KSh 20,000, KSh 30,000, KSh 40,000, KSh 50,000
Optical: KSh 5,000, KSh 7,500, KSh 10,000, KSh 15,000, KSh 20,000, KSh 30,000, KSh 40,000, KSh 50,000

What the cover includes

First Med and First Afya Biashara medical covers

Benefit sub-limits (pre-existing conditions, chronic conditions, maternity, psychiatric care, last expense and so on) are printed on every quotation we issue and are listed in the insurer's brochure.

Waiting periods

See applicable product schedule

Co-payment, where it applies

See applicable product schedule

First Assurance First Afya Biashara — frequently asked questions

What inpatient limits are available on First Assurance First Afya Biashara?

The limits we quote are KSh 250,000 to KSh 10,000,000 per year. Each limit is a separate plan with its own benefits schedule, so the premium and the sub-limits change with the limit you pick.

Can I add outpatient, maternity, dental or optical cover?

Yes. Depending on the plan, optional benefits can be added at the amounts listed above. Outpatient cover is normally required before dental or optical benefits can be selected.

Who can be covered?

This product is a group scheme, so cover is arranged for a business with a minimum number of families or employees. The quote engine shows the family sizes and head count the insurer accepts.

How is the premium paid?

Premiums are paid directly to First Assurance using the payment details printed on your quotation. Now Insurance Agency does not receive or handle client payments.

How long does cover take to start?

Cover is typically confirmed within 1 to 5 working days after payment or IPF settlement and receipt of complete documents, subject to the insurer's underwriting and acceptance.

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