Your Health, Our Priority
Health Insurance in Kenya | Quality Care for Your Family
Access Kenya’s top hospitals without the stress of out-of-pocket costs. From inpatient surgery to outpatient dental care, we provide IRA-regulated medical covers for every age and budget.
Direct Access to Leading Medical Providers
Comprehensive Medical Solutions
Health insurance in Kenya is built on three essential pillars. We help you choose the right balance based on your family's history, age, and lifestyle.
Inpatient Cover
The foundation of your security. Covers hospital admission, surgeon fees, theatre costs, and laboratory tests for major illnesses or accidents.
- High-Limit Surgery
- Diagnostic Scans (MRI/CT)
Outpatient Cover
For everyday health. Covers walk-in clinic visits, consultations, prescribed drugs, and minor tests that don't require an overnight stay.
- GP & Specialist Visits
- Pharmacy & Lab Tests
Senior Medical
Specialized protection for parents and senior citizens. Designed to manage chronic conditions and provide dignity in care during the golden years.
- Chronic/Pre-existing Cover
- Annual Wellness Checks
- Evacuation & Rescue
Enhanced Benefits & Add-ons
Maternity Cover
Covers prenatal care, delivery (normal or CS), and postnatal care for both mother and child.
Dental Care
Includes extractions, fillings, scaling, and root canals to ensure total oral health for your family.
Optical Cover
Covers ophthalmologist consultations, frames, and lenses to keep your vision crystal clear.
Reviewed by Shamja Health Specialist
Licensed Agency | IRA No. IRA/05/48521/2026
"Health insurance pricing is determined by age, family size, and pre-existing conditions. We help you navigate these factors to ensure you never pay for benefits you don't need."
Health Insurance FAQs
Can I get health insurance if I have a pre-existing condition?
Yes. Most Kenyan insurers cover pre-existing and chronic conditions, usually after a waiting period (typically 1 year) and up to specific sub-limits.
What is the age limit for principal members?
Most insurers accept principal members from age 18 to 65. Some senior citizen covers allow joining up to age 80.
How long does it take for the cover to become active?
Accident-related inpatient cover is usually instant. Sickness-related cover usually has a 30-day waiting period.
Request a Personalized Health Quote
Pricing depends heavily on your age and health history. Fill in your details and we will provide a comparison of the top 3 best-value covers for you on WhatsApp.
Legal Disclosure
Shamja Insurance Agency is a licensed agent (IRA No. IRA/05/48521/2026). Medical insurance is subject to waiting periods and underwriter terms. Always read the policy document regarding sub-limits and exclusions.