Best Health Insurance in Kenya
50 plans ranked and reviewed · Updated April 2026
Healthcare System Overview
Social health insurance (SHIF) with growing private insurance sector covering employed urban populations.
AAR Health Insurance Comprehensive
AAR Insurance Kenya
Monthly Premium
KES 4,500 - KES 14,000
Deductible
KES 1,000 - KES 5,000
- ✓One of Kenya's oldest and most trusted health insurers
- ✓Own AAR clinics for integrated outpatient care
- ✓Covers evacuation to Nairobi for upcountry emergencies
“AAR Health Insurance is a cornerstone of Kenya's private health market, trusted for its integrated clinic network and reliable claims service.”— Kenya Health Insurance Market Report 2025
Jubilee Health Insurance Premier
Jubilee Insurance Kenya
Monthly Premium
KES 6,000 - KES 18,000
Deductible
KES 1,500 - KES 6,000
- ✓Largest hospital network in Kenya with 700+ providers
- ✓Comprehensive dental and optical in Premier plan
- ✓International medical coverage for treatment abroad
“Jubilee Health Insurance Premier is Kenya's most comprehensive private health plan, offering the widest network and the most complete benefit package available.”— East Africa Insurance Awards 2025
UAP Old Mutual Health Gold
UAP Old Mutual Insurance Kenya
Monthly Premium
KES 3,800 - KES 12,000
Deductible
KES 1,000 - KES 4,000
- ✓Old Mutual backing provides strong financial stability
- ✓Good mid-market coverage at competitive premiums
- ✓Wellness and preventive care programme
“UAP Old Mutual Health Gold is a dependable mid-market option for Kenyan families seeking solid coverage at a price-conscious premium.”— Kenya Insurance Buyer's Guide 2025
AAR Insurance Health Plan
AAR Insurance
Monthly Premium
KES 3,690 - KES 13,484
Deductible
KES 658 - KES 2,341
- ✓Trusted provider in Kenya
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“AAR Insurance provides a strong option for Kenya residents seeking standard health coverage with modern digital tools.”— Kenya Digital Insurance Awards 2025
Jubilee Health Health Plan
Jubilee Health
Monthly Premium
KES 3,047 - KES 18,771
Deductible
KES 541 - KES 2,039
- ✓Trusted provider in Kenya
- ✓Premium coverage with competitive rates
- ✓Wide provider network
“Jubilee Health provides a strong option for Kenya residents seeking premium health coverage with reliable traditional service.”— Kenya Annual Insurance Rankings 2025
UAP Old Mutual Health Plan
UAP Old Mutual
Monthly Premium
KES 4,995 - KES 12,228
Deductible
KES 493 - KES 3,415
- ✓Trusted provider in Kenya
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“UAP Old Mutual provides a solid option for Kenya residents seeking standard health coverage with modern digital tools.”— Kenya Regulatory Assessment Report 2025
Britam Health Health Plan
Britam Health
Monthly Premium
KES 6,741 - KES 19,638
Deductible
KES 963 - KES 1,048
- ✓Trusted provider in Kenya
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Britam Health provides a solid option for Kenya residents seeking premium health coverage with modern digital tools.”— Kenya Health Insurance Comparison 2025
CIC Insurance Health Plan
CIC Insurance
Monthly Premium
KES 2,568 - KES 14,216
Deductible
KES 370 - KES 2,711
- ✓Trusted provider in Kenya
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“CIC Insurance provides a solid option for Kenya residents seeking basic health coverage with modern digital tools.”— Kenya Regulatory Assessment Report 2025
NHIF Kenya Health Plan
NHIF Kenya
Monthly Premium
KES 8,471 - KES 15,476
Deductible
KES 110 - KES 1,073
- ✓Trusted provider in Kenya
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“NHIF Kenya provides a strong option for Kenya residents seeking basic health coverage with modern digital tools.”— Kenya Digital Insurance Awards 2025
Resolution Health Health Plan
Resolution Health
Monthly Premium
KES 2,276 - KES 17,841
Deductible
KES 268 - KES 1,524
- ✓Trusted provider in Kenya
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Resolution Health provides a solid option for Kenya residents seeking comprehensive health coverage with modern digital tools.”— Kenya Insurance Business Awards 2025
APA Insurance Health Plan
APA Insurance
Monthly Premium
KES 4,291 - KES 18,792
Deductible
KES 624 - KES 3,480
- ✓Trusted provider in Kenya
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“APA Insurance provides a strong option for Kenya residents seeking premium health coverage with modern digital tools.”— Kenya Value Assessment 2025
Heritage Insurance Kenya Health Plan
Heritage Insurance Kenya
Monthly Premium
KES 5,150 - KES 12,176
Deductible
KES 946 - KES 3,108
- ✓Trusted provider in Kenya
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Heritage Insurance Kenya provides a strong option for Kenya residents seeking comprehensive health coverage with modern digital tools.”— Kenya Customer Satisfaction Index 2025
Sanlam Kenya Health Plan
Sanlam Kenya
Monthly Premium
KES 2,527 - KES 18,752
Deductible
KES 586 - KES 2,230
- ✓Trusted provider in Kenya
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Sanlam Kenya provides a solid option for Kenya residents seeking standard health coverage with modern digital tools.”— Kenya Annual Insurance Rankings 2025
GA Insurance Health Plan
GA Insurance
Monthly Premium
KES 8,972 - KES 17,194
Deductible
KES 154 - KES 3,532
- ✓Trusted provider in Kenya
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“GA Insurance provides a solid option for Kenya residents seeking premium health coverage with modern digital tools.”— Kenya Insurance Business Awards 2025
Saham Insurance Kenya Health Plan
Saham Insurance Kenya
Monthly Premium
KES 3,890 - KES 16,076
Deductible
KES 128 - KES 1,996
- ✓Trusted provider in Kenya
- ✓Premium coverage with competitive rates
- ✓Wide provider network
“Saham Insurance Kenya provides a solid option for Kenya residents seeking premium health coverage with reliable traditional service.”— Kenya Industry Excellence Awards 2025
Madison Insurance Health Plan
Madison Insurance
Monthly Premium
KES 6,857 - KES 18,701
Deductible
KES 374 - KES 3,463
- ✓Trusted provider in Kenya
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“Madison Insurance provides a solid option for Kenya residents seeking standard health coverage with reliable traditional service.”— Kenya Industry Excellence Awards 2025
Pioneer Insurance Health Plan
Pioneer Insurance
Monthly Premium
KES 3,102 - KES 17,885
Deductible
KES 301 - KES 2,002
- ✓Trusted provider in Kenya
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Pioneer Insurance provides a solid option for Kenya residents seeking premium health coverage with modern digital tools.”— Kenya Market Research Report 2025
Pacis Insurance Health Plan
Pacis Insurance
Monthly Premium
KES 2,948 - KES 14,846
Deductible
KES 824 - KES 3,956
- ✓Trusted provider in Kenya
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Pacis Insurance provides a strong option for Kenya residents seeking standard health coverage with modern digital tools.”— Kenya Health Insurance Comparison 2025
First Assurance Health Plan
First Assurance
Monthly Premium
KES 5,361 - KES 16,210
Deductible
KES 809 - KES 1,378
- ✓Trusted provider in Kenya
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“First Assurance provides a strong option for Kenya residents seeking comprehensive health coverage with modern digital tools.”— Kenya Consumer Choice Awards 2025
Geminia Insurance Health Plan
Geminia Insurance
Monthly Premium
KES 5,459 - KES 19,551
Deductible
KES 207 - KES 3,559
- ✓Trusted provider in Kenya
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Geminia Insurance provides a solid option for Kenya residents seeking standard health coverage with modern digital tools.”— Kenya Financial Stability Ratings 2025
Occidental Insurance Health Plan
Occidental Insurance
Monthly Premium
KES 2,173 - KES 14,845
Deductible
KES 136 - KES 1,238
- ✓Trusted provider in Kenya
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“Occidental Insurance provides a strong option for Kenya residents seeking standard health coverage with reliable traditional service.”— Kenya Insurance Innovation Awards 2025
Mayfair Insurance Health Plan
Mayfair Insurance
Monthly Premium
KES 2,077 - KES 12,583
Deductible
KES 684 - KES 2,694
- ✓Trusted provider in Kenya
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Mayfair Insurance provides a strong option for Kenya residents seeking comprehensive health coverage with reliable traditional service.”— Kenya Industry Excellence Awards 2025
Trident Insurance Health Plan
Trident Insurance
Monthly Premium
KES 8,053 - KES 13,003
Deductible
KES 919 - KES 3,384
- ✓Trusted provider in Kenya
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Trident Insurance provides a solid option for Kenya residents seeking comprehensive health coverage with modern digital tools.”— Kenya Customer Satisfaction Index 2025
Directline Assurance Health Plan
Directline Assurance
Monthly Premium
KES 4,234 - KES 16,070
Deductible
KES 25 - KES 1,160
- ✓Trusted provider in Kenya
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“Directline Assurance provides a solid option for Kenya residents seeking basic health coverage with reliable traditional service.”— Kenya Insurance Innovation Awards 2025
Invesco Insurance Health Plan
Invesco Insurance
Monthly Premium
KES 4,569 - KES 16,707
Deductible
KES 156 - KES 3,166
- ✓Trusted provider in Kenya
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Invesco Insurance provides a strong option for Kenya residents seeking comprehensive health coverage with modern digital tools.”— Kenya Customer Satisfaction Index 2025
MUA Insurance Health Plan
MUA Insurance
Monthly Premium
KES 6,348 - KES 15,152
Deductible
KES 615 - KES 1,878
- ✓Trusted provider in Kenya
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“MUA Insurance provides a strong option for Kenya residents seeking standard health coverage with modern digital tools.”— Kenya National Insurance Review 2025
Monarch Insurance Health Plan
Monarch Insurance
Monthly Premium
KES 7,846 - KES 16,867
Deductible
KES 573 - KES 3,527
- ✓Trusted provider in Kenya
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Monarch Insurance provides a solid option for Kenya residents seeking basic health coverage with modern digital tools.”— Kenya Best Practice Awards 2025
Old Mutual Kenya Health Plan
Old Mutual Kenya
Monthly Premium
KES 7,870 - KES 15,071
Deductible
KES 101 - KES 1,071
- ✓Trusted provider in Kenya
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Old Mutual Kenya provides a solid option for Kenya residents seeking standard health coverage with modern digital tools.”— Kenya Healthcare Quality Survey 2025
Liberty Kenya Health Plan
Liberty Kenya
Monthly Premium
KES 3,712 - KES 12,831
Deductible
KES 829 - KES 3,208
- ✓Trusted provider in Kenya
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Liberty Kenya provides a solid option for Kenya residents seeking comprehensive health coverage with reliable traditional service.”— Kenya Industry Excellence Awards 2025
Allianz Kenya Health Plan
Allianz Kenya
Monthly Premium
KES 8,551 - KES 11,753
Deductible
KES 651 - KES 3,847
- ✓Trusted provider in Kenya
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Allianz Kenya provides a solid option for Kenya residents seeking standard health coverage with modern digital tools.”— Kenya Regulatory Assessment Report 2025
Jubilee Allianz Health Plan
Jubilee Allianz
Monthly Premium
KES 6,454 - KES 17,318
Deductible
KES 888 - KES 2,833
- ✓Trusted provider in Kenya
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Jubilee Allianz provides a solid option for Kenya residents seeking premium health coverage with modern digital tools.”— Kenya Value Assessment 2025
KCB Insurance Health Plan
KCB Insurance
Monthly Premium
KES 8,586 - KES 12,612
Deductible
KES 627 - KES 3,624
- ✓Trusted provider in Kenya
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“KCB Insurance provides a strong option for Kenya residents seeking standard health coverage with modern digital tools.”— Kenya Financial Stability Ratings 2025
Equity Insurance Health Plan
Equity Insurance
Monthly Premium
KES 2,852 - KES 19,022
Deductible
KES 523 - KES 3,327
- ✓Trusted provider in Kenya
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Equity Insurance provides a strong option for Kenya residents seeking basic health coverage with modern digital tools.”— Kenya Value Assessment 2025
Cooperative Insurance Health Plan
Cooperative Insurance
Monthly Premium
KES 8,980 - KES 14,226
Deductible
KES 962 - KES 3,918
- ✓Trusted provider in Kenya
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Cooperative Insurance provides a strong option for Kenya residents seeking standard health coverage with modern digital tools.”— Kenya Regulatory Assessment Report 2025
ICEA Lion Health Plan
ICEA Lion
Monthly Premium
KES 2,401 - KES 16,120
Deductible
KES 155 - KES 1,263
- ✓Trusted provider in Kenya
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“ICEA Lion provides a strong option for Kenya residents seeking basic health coverage with modern digital tools.”— Kenya Market Research Report 2025
Kenindia Insurance Health Plan
Kenindia Insurance
Monthly Premium
KES 2,475 - KES 15,754
Deductible
KES 792 - KES 1,688
- ✓Trusted provider in Kenya
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Kenindia Insurance provides a solid option for Kenya residents seeking comprehensive health coverage with modern digital tools.”— Kenya Insurance Innovation Awards 2025
Real Insurance Health Plan
Real Insurance
Monthly Premium
KES 7,429 - KES 13,375
Deductible
KES 69 - KES 1,676
- ✓Trusted provider in Kenya
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Real Insurance provides a strong option for Kenya residents seeking comprehensive health coverage with reliable traditional service.”— Kenya Customer Satisfaction Index 2025
Xplico Insurance Health Plan
Xplico Insurance
Monthly Premium
KES 7,076 - KES 16,003
Deductible
KES 873 - KES 2,029
- ✓Trusted provider in Kenya
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Xplico Insurance provides a solid option for Kenya residents seeking premium health coverage with modern digital tools.”— Kenya Industry Excellence Awards 2025
Metropolitan Canon Health Plan
Metropolitan Canon
Monthly Premium
KES 8,872 - KES 14,036
Deductible
KES 701 - KES 1,172
- ✓Trusted provider in Kenya
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Metropolitan Canon provides a strong option for Kenya residents seeking basic health coverage with modern digital tools.”— Kenya Financial Stability Ratings 2025
Kenya Orient Insurance Health Plan
Kenya Orient Insurance
Monthly Premium
KES 4,485 - KES 12,016
Deductible
KES 298 - KES 3,449
- ✓Trusted provider in Kenya
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Kenya Orient Insurance provides a strong option for Kenya residents seeking standard health coverage with modern digital tools.”— Kenya Market Research Report 2025
Takaful Insurance Africa Health Plan
Takaful Insurance Africa
Monthly Premium
KES 3,975 - KES 16,647
Deductible
KES 611 - KES 3,368
- ✓Trusted provider in Kenya
- ✓Premium coverage with competitive rates
- ✓Wide provider network
“Takaful Insurance Africa provides a strong option for Kenya residents seeking premium health coverage with reliable traditional service.”— Kenya Best Practice Awards 2025
Fidelity Shield Health Plan
Fidelity Shield
Monthly Premium
KES 4,745 - KES 15,842
Deductible
KES 35 - KES 1,768
- ✓Trusted provider in Kenya
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“Fidelity Shield provides a strong option for Kenya residents seeking basic health coverage with reliable traditional service.”— Kenya Value Assessment 2025
Apollo Insurance Kenya Health Plan
Apollo Insurance Kenya
Monthly Premium
KES 2,888 - KES 13,311
Deductible
KES 15 - KES 3,129
- ✓Trusted provider in Kenya
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Apollo Insurance Kenya provides a strong option for Kenya residents seeking standard health coverage with modern digital tools.”— Kenya Annual Insurance Rankings 2025
Shield Assurance Health Plan
Shield Assurance
Monthly Premium
KES 3,663 - KES 13,752
Deductible
KES 323 - KES 1,665
- ✓Trusted provider in Kenya
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Shield Assurance provides a strong option for Kenya residents seeking comprehensive health coverage with modern digital tools.”— Kenya Insurance Business Awards 2025
Cannon Insurance Health Plan
Cannon Insurance
Monthly Premium
KES 8,505 - KES 11,838
Deductible
KES 656 - KES 3,993
- ✓Trusted provider in Kenya
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Cannon Insurance provides a solid option for Kenya residents seeking basic health coverage with modern digital tools.”— Kenya Insurance Business Awards 2025
African Merchant Assurance Health Plan
African Merchant Assurance
Monthly Premium
KES 7,785 - KES 14,207
Deductible
KES 707 - KES 1,121
- ✓Trusted provider in Kenya
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“African Merchant Assurance provides a solid option for Kenya residents seeking basic health coverage with modern digital tools.”— Kenya National Insurance Review 2025
Intra Africa Assurance Health Plan
Intra Africa Assurance
Monthly Premium
KES 3,100 - KES 19,743
Deductible
KES 269 - KES 2,735
- ✓Trusted provider in Kenya
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Intra Africa Assurance provides a solid option for Kenya residents seeking basic health coverage with modern digital tools.”— Kenya Insurance Innovation Awards 2025
Star Assurance Kenya Health Plan
Star Assurance Kenya
Monthly Premium
KES 4,051 - KES 14,170
Deductible
KES 100 - KES 2,111
- ✓Trusted provider in Kenya
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Star Assurance Kenya provides a strong option for Kenya residents seeking standard health coverage with modern digital tools.”— Kenya Annual Insurance Rankings 2025
Risk Africa Insurance Health Plan
Risk Africa Insurance
Monthly Premium
KES 4,718 - KES 14,576
Deductible
KES 477 - KES 1,152
- ✓Trusted provider in Kenya
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Risk Africa Insurance provides a solid option for Kenya residents seeking comprehensive health coverage with modern digital tools.”— Kenya Regulatory Assessment Report 2025
Gateway Insurance Health Plan
Gateway Insurance
Monthly Premium
KES 4,856 - KES 14,342
Deductible
KES 640 - KES 3,500
- ✓Trusted provider in Kenya
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Gateway Insurance provides a strong option for Kenya residents seeking standard health coverage with modern digital tools.”— Kenya Insurance Innovation Awards 2025
About Health Insurance in Kenya
Kenya's NHIF is transitioning to SHIF for universal coverage; private insurance is widely used by employed Kenyans.
Our team of insurance experts has evaluated and ranked the top 50 health insurance providers in Kenya based on coverage quality, customer satisfaction, pricing, network size, and digital experience. Rankings are updated quarterly to reflect the latest market changes.
Affiliate Disclosure
Some links on this page are affiliate links. If you click through and purchase a plan, we may earn a commission at no extra cost to you. This helps us keep the site free and our reviews independent.