+254 020 2100154 premiersure@gmail.com Nairobi, Kenya

Medical & Health Insurance

Secure premium medical cover for you, your family, or your employees. Seamless hospital access and flexible budget limits.

Benefits

Comprehensive Health Coverage for Peace of Mind

Good health is the foundation of a happy life. At Premiersure, we compare family and individual medical cover plans from leading insurance companies in Kenya to give you access to premium treatment panels. Our plans cover outpatient and inpatient services at top hospitals, including diagnostics, surgeries, and maternal care.

What's Covered?

Inpatient Cover

Covers ward bed charges, doctor/specialist fees, surgeon/anesthetist costs, ICU, medicines, theater costs, and diagnostics inside the hospital. Limits range from KES 500,000 to KES 10,000,000+.

Outpatient Cover

Covers consultation fees, laboratory tests, prescription drugs, physiotherapy, and routine checkups. Limits typically range from KES 50,000 to KES 250,000 per year.

Maternity Cover

Covers delivery fees, obstetrician fees, prenatal/postnatal visits, and emergency caesarean sections (subject to a standard 10-12 month waiting period).

Dental & Optical

Covers teeth extractions, fillings, root canal therapy, consultation, frames, lenses, and eye examinations up to policy sub-limits.

Why Compare Health Covers with Us?

  • Wide Hospital Directory: Access top-tier panels like Aga Khan University Hospital, The Nairobi Hospital, Karen Hospital, Mater Hospital, and MP Shah.
  • Pre-existing & Chronic Conditions: We secure packages with reasonable chronic sub-limits (up to 50% of the inpatient limit) to cover ongoing conditions.
  • Rescue & Evacuation: 24/7 air and road emergency evacuation services within Kenya and East Africa.
  • Last Expense Benefit: A funeral contribution benefit (e.g. KES 50,000 - 100,000) included in family covers.

Medical Quote Request

Provide your family size to compare inpatient and outpatient options.

Compare up to 4 health insurance companies side-by-side.

FAQs

Medical Insurance FAQs

Find answers to chronic covers, copay rules, and age limits in Kenya.

A co-payment is a flat fee (e.g. KES 500 or KES 1,000) that you pay out-of-pocket at the hospital desk for each outpatient visit before consultation. Underwriters use copays at top hospitals (like Aga Khan and Nairobi Hospital) to control premium costs and discourage unnecessary outpatient visits.

Pre-existing and chronic conditions (like hypertension, diabetes, asthma, or cancer) are typically subject to a 12-month waiting period from the policy's start date. Once the waiting period lapses, coverage is issued up to the specified chronic sub-limit within the inpatient limit.

Most health policies allow adults to join between the ages of 18 and 60 or 65. Once you are enrolled, you can renew your cover for life. For senior citizens joining past age 65, we compare specialized senior health products (like Britam Milele or Jubilee Senior Citizens cover) which accept new entrants up to age 75 or 80.