Medical cover guide
Heritage medical insurance in Kenya
Compare every Heritage plan we quote — inpatient limits, bed entitlement, optional benefits, waiting periods and co-payments — then get a personalised quotation in minutes.
Cover typesChildren only / Group and SME / Individual and family
Products4
Inpatient limitsKSh 500,000 to KSh 10,000,000
Bed entitlementGeneral ward · Private room subject to plan schedule · General Provider
Medical examinationApplicants aged 56 and above
Heritage products we quote
Children only
HeriAfya Junior
HeriAfya Junior covers children on their own policy from KSh 500,000 per child, with optional outpatient, dental and optical benefits.
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Individual and family
HeriAfya Senior
HeriAfya Senior is built for members aged 61 and above, with inpatient limits from KSh 1,000,000.
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Individual and family
HeriAfya Standard
HeriAfya Standard is Heritage's core individual and family plan, with inpatient limits from KSh 500,000 and optional outpatient, maternity, dental and optical benefits.
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Group and SME
HeriAfya Corporate
HeriAfya Corporate is a group scheme for employers, priced per family with optional outpatient benefits at each limit.
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Plans, limits and bed entitlement
HeriAfya Junior
| Inpatient limit | Plan | Bed entitlement |
|---|---|---|
| KSh 500,000 | HeriAfya Junior · 500,000 | As per Junior schedule |
| KSh 750,000 | HeriAfya Junior · 750,000 | As per Junior schedule |
| KSh 1,000,000 | HeriAfya Junior · 1,000,000 | As per Junior schedule |
| KSh 1,500,000 | HeriAfya Junior · 1,500,000 | As per Junior schedule |
| KSh 2,000,000 | HeriAfya Junior · 2,000,000 | As per Junior schedule |
| KSh 2,500,000 | HeriAfya Junior · 2,500,000 | As per Junior schedule |
| KSh 3,000,000 | HeriAfya Junior · 3,000,000 | As per Junior schedule |
| KSh 5,000,000 | HeriAfya Junior · 5,000,000 | As per Junior schedule |
HeriAfya Senior
| Inpatient limit | Plan | Bed entitlement |
|---|---|---|
| KSh 500,000 | HeriAfya Senior · 500,000 | As per Senior schedule |
| KSh 750,000 | HeriAfya Senior · 750,000 | As per Senior schedule |
| KSh 1,000,000 | HeriAfya Senior · 1,000,000 | As per Senior schedule |
| KSh 1,500,000 | HeriAfya Senior · 1,500,000 | As per Senior schedule |
| KSh 2,000,000 | HeriAfya Senior · 2,000,000 | As per Senior schedule |
| KSh 2,500,000 | HeriAfya Senior · 2,500,000 | As per Senior schedule |
| KSh 3,000,000 | HeriAfya Senior · 3,000,000 | As per Senior schedule |
| KSh 5,000,000 | HeriAfya Senior · 5,000,000 | As per Senior schedule |
HeriAfya Standard
| Inpatient limit | Plan | Bed entitlement |
|---|---|---|
| KSh 500,000 | HeriAfya Standard · 500,000 | General ward |
| KSh 750,000 | HeriAfya Standard · 750,000 | General ward |
| KSh 1,000,000 | HeriAfya Standard · 1,000,000 | Private room subject to plan schedule |
| KSh 1,500,000 | HeriAfya Standard · 1,500,000 | Private room subject to plan schedule |
| KSh 2,000,000 | HeriAfya Standard · 2,000,000 | Private room subject to plan schedule |
| KSh 2,500,000 | HeriAfya Standard · 2,500,000 | Private room subject to plan schedule |
| KSh 3,000,000 | HeriAfya Standard · 3,000,000 | Private room subject to plan schedule |
| KSh 5,000,000 | HeriAfya Standard · 5,000,000 | Private room subject to plan schedule |
| KSh 7,500,000 | HeriAfya Standard · 7,500,000 | Private room subject to plan schedule |
| KSh 10,000,000 | HeriAfya Standard · 10,000,000 | Private room subject to plan schedule |
HeriAfya Corporate
| Inpatient limit | Plan | Bed entitlement |
|---|---|---|
| KSh 500,000 | HeriAfya Corporate · 500,000 | General Provider |
| KSh 1,000,000 | HeriAfya Corporate · 1,000,000 | General Provider |
| KSh 2,000,000 | HeriAfya Corporate · 2,000,000 | Room · KSh 13,500/day |
| KSh 3,000,000 | HeriAfya Corporate · 3,000,000 | Room · KSh 18,500/day |
| KSh 5,000,000 | HeriAfya Corporate · 5,000,000 | Room · KSh 22,500/day |
| KSh 7,500,000 | HeriAfya Corporate · 7,500,000 | Room · KSh 27,500/day |
| KSh 10,000,000 | HeriAfya Corporate · 10,000,000 | Room · KSh 30,000/day |
What Heritage cover includes
- HeriAfya Junior, Senior, Standard and Corporate medical cover options
- Published 2026 plan limits and rate schedules
Waiting periods
- Waiting periods vary by HeriAfya product schedule
Co-payment, where it applies
- KSh 1,000 at Aga Khan Nairobi, Kisumu & Mombasa, Nairobi Hospital, Gertrude’s, MP Shah, Mater and Karen Hospital
- KSh 500 at all other providers
How cover and payment work
Cover is arranged through Heritage 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.
Heritage medical cover — frequently asked questions
How do I get a Heritage medical cover quotation?
Use our online quote form. Choose who is covered, the inpatient limit and any optional benefits, and every suitable Heritage plan is priced side by side with a downloadable quotation.
What inpatient limits does Heritage 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 Heritage 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 Heritage: applicants aged 56 and above. Where a form is needed we send it with your application pack.
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