Cheap Health Insurance Providers In Kenya

The Social Health Authority (SHA), established under the Social Health Insurance Act of 2023, has replaced the National Hospital Insurance Fund (NHIF) to enhance healthcare accessibility and affordability for all residents. The transition from NHIF to SHA marks a significant advancement in Kenya’s healthcare system, aiming to provide universal health coverage to all residents. By following the outlined registration and payment steps, individuals can ensure they have access to essential medical services, including the procurement of medications from chemists. Staying informed and proactive about health insurance matters is crucial for personal and community well-being.

Overview of the Social Health Authority (SHA)

The SHA is a government initiative aimed at providing comprehensive health insurance coverage to every resident of Kenya. It manages three distinct funds:

• Primary Health Care Fund: Government-funded for basic health services, catering to services provided in dispensaries and health centers.

• Social Health Insurance Fund: Designed for broader health insurance coverage.

• Emergency, Chronic, and Critical Illness Fund: Focused on addressing emergency health situations and chronic illnesses.

Steps to Register with SHA

Registration with SHA is mandatory for all residents of Kenya and can be completed through various methods:

1. Online Self-Registration:

   • Visit the SHA registration portal: https://afyayangu.go.ke/

   • Complete the online form with your personal information, including your National ID number and contact details.

   • Submit the form and await confirmation.

2. USSD Self-Registration:

   • Dial the SHA USSD code: *155# on your mobile phone.

   • Follow the prompts to enter your personal information.

   • Confirm your details to complete the registration.

Assisted Registration:

• Visit an SHA registration center or authorized agent.
• Provide the necessary personal information and identification documents.
• The agent will assist you in completing the registration process.

Payment Methods for SHA Contributions

After successful registration, members are required to make regular contributions to maintain their health insurance coverage. SHA offers both online and offline payment options:

1.  Online Payment via M-Pesa:

• Open the M-Pesa menu on your mobile phone.
• Select “Lipa na M-Pesa” and choose “Pay Bill.”
• Enter the SHA business number: 200222.
• For the account number, input your National ID number.
• Enter the amount you wish to contribute.
• Confirm the details and complete the transaction by entering your M-Pesa PIN.

2. Offline Payment through Designated Banks:

• Visit any of the following banks: Kenya Commercial Bank (KCB), Sidian Bank, Co-operative Bank, Equity Bank, ABSA, or Diamond Trust Bank.
• Provide your National ID number and inform the teller that you wish to make an SHA contribution.
• Specify the amount you intend to contribute and complete the payment process.

Accessing Medications through SHA

Once registered and contributions are up to date, SHA members can access a wide range of healthcare services, including outpatient consultations, laboratory tests, and prescribed medications. Members can obtain medications from accredited pharmacies nationwide by presenting their SHA membership details. This ensures that essential medicines are accessible and affordable, promoting better health outcomes for all Kenyans.

2. Madison Insurance – Betterlife Budget Plan

Madison Insurance’s Betterlife Budget Plan is an economical health insurance option tailored for individuals and families in Kenya. This plan provides comprehensive coverage, including inpatient and outpatient services, with the flexibility to add maternity benefits. Members have access to Madison’s Panel B healthcare providers, ensuring quality medical services at affordable rates.

Madison’s Betterlife Budget Plan offers comprehensive coverage, including outpatient services with limits between KES 50,000 to 100,000 per person. This plan also includes dental and optical coverage within the outpatient limit. For an individual, premiums start at approximately KES 16,923, and for a family of four, around KES 67,692.

The Betterlife Budget Plan by Madison Insurance is a cost-effective solution for individuals and families seeking comprehensive health coverage in Kenya. With straightforward enrollment procedures and flexible payment options, securing quality healthcare has become more accessible. For detailed information and personalized assistance, reach out to Madison Insurance through their official communication channels.

Key Features of the Betterlife Budget Plan

• Inpatient Coverage: Offers financial protection for hospital admissions, surgeries, and related medical expenses.

• Outpatient Services: Covers consultations, diagnostics, and treatments that do not require hospitalization.

• Maternity Benefits: Optional coverage for maternity-related expenses, including prenatal and postnatal care.

• Dental and Optical Benefits: Provides coverage for dental procedures and optical services within the outpatient limit.

Steps to Enroll in the Betterlife Budget Plan

1. Online Registration:

   • Visit Madison Insurance’s official website: https://www.madison.co.ke/protect-yourself/betterlife/

   • Navigate to the Betterlife Health Insurance section and click on the ‘Apply Now’ or ‘Get a Quote’ option.

   • Fill in the required personal and medical information in the online application form.

   • Submit the form and await confirmation from Madison Insurance’s customer service team.

2. USSD Registration:

   • Dial *828# on your mobile phone.

   • Follow the prompts to enter your personal details and select the Betterlife Budget Plan.

   • Confirm your application and await further instructions.

3. Through an Insurance Agent or Broker:

   • Contact a licensed Madison Insurance agent or an accredited insurance broker.

   • They will guide you through the application process, assist in filling out necessary forms, and submit your application on your behalf.

4. Visiting Madison Insurance Branches:

   • Locate the nearest Madison Insurance branch.

   • Visit the branch with necessary identification documents.

   • A customer service representative will assist you in completing the application process.

Payment Methods for the Betterlife Budget Plan

Madison Insurance offers flexible payment options to accommodate various preferences:

1. Mobile Money (M-Pesa):

   • Open the M-Pesa menu on your mobile device.

   • Select ‘Lipa na M-Pesa’ and choose ‘Pay Bill’.

   • Enter Madison Insurance’s Pay Bill number: 700100.

   • Use your policy number or National ID number as the account reference.

   • Enter the premium amount and complete the transaction by providing your M-Pesa PIN.

2. Bank Deposits:

   • Visit any branch of Madison Insurance’s partner banks, such as Kenya Commercial Bank (KCB), Co-operative Bank, or Equity Bank.

   • Provide your policy details and make the premium payment directly at the bank.

3. Direct Payments at Madison Insurance Offices:

   • Visit any Madison Insurance branch.

   • Proceed to the payments section and provide your policy information.

   • Make your payment using cash, cheque, or other accepted methods.

Accessing Medical Services

Upon successful enrollment and payment, members can access medical services from Madison’s Panel B healthcare providers. Present your membership card or policy number at the accredited facilities to receive the necessary medical attention. For a comprehensive list of accredited providers, refer to Madison Insurance’s official website or contact their customer service.

3. Britam’s Bima Ya Mwanainchi

Britam’s Bima Ya Mwananchi is an affordable medical insurance cover designed to provide individuals and families in Kenya with access to quality healthcare services. This plan offers peace of mind by ensuring that medical expenses, including inpatient and outpatient services, are covered in case of illness or injury.

Britam offers the Bima Ya Mwanainchi plan with outpatient coverage ranging from KES 30,000 to 75,000. This plan also includes dental and optical coverage within the outpatient limit, and covers chronic, pre-existing, and congenital conditions up to specified sub-limits.

Britam’s Bima Ya Mwananchi offers an affordable and comprehensive solution for healthcare coverage in Kenya. By following the outlined enrollment and payment steps, individuals and families can ensure access to essential medical services, promoting better health and financial security.

Key Features of Bima Ya Mwananchi

• Comprehensive Coverage: The plan includes inpatient, outpatient, and last expense benefits, ensuring that various medical needs are addressed.

• Accessibility: Designed to be accessible for all Kenyans, particularly targeting lower-income families, making healthcare more affordable.

• Flexible Payment Options: Premiums can be paid from as little as KES 4,661 per year, with options for monthly, quarterly, semi-annual, or annual payments.

Steps to Enroll in Bima Ya Mwananchi

1. Visit a Britam Office or Authorized Agent:

   • Locate the nearest Britam office or an authorized insurance agent.

   • Collect the Bima Ya Mwananchi application form.

2. Complete the Application Form:

   • Fill in personal details, including your National ID or Passport number.

   • Provide information for dependents, if applicable, such as birth certificates for children.

   • Attach recently taken passport-sized photographs of yourself and each dependent.

3. Submit the Application:

   • Return the completed form along with the required documents to the Britam office or authorized agent.

   • Ensure all information is accurate to facilitate smooth processing.

Payment Methods for Bima Ya Mwananchi Premiums

1. Mobile Payment via M-Pesa:

   • Access the M-Pesa menu on your mobile phone.

   • Select “Lipa na M-Pesa” and choose “Pay Bill.”

   • Enter Britam’s Pay Bill number: 298900.

   • Use your National ID number as the account number.

   • Enter the premium amount you wish to pay.

   • Confirm the details and complete the transaction by entering your M-Pesa PIN.

2. Bank Deposits:

   • Visit any of Britam’s partner banks to make a direct deposit.

   • Provide your policy number and personal details to the bank teller.

   • Ensure you receive a receipt as proof of payment.

3. Cash Payments:

   • Cash payments should be made directly at Britam offices.

   • Avoid making cash payments to unauthorized individuals to prevent fraud.

Accessing Medical Services with Bima Ya Mwananchi

Once enrolled and premiums are up to date, members can access medical services at over 500 approved hospitals nationwide. To utilize the cover:

• At the Hospital:

  • Present your Britam membership card upon arrival.

  • The hospital will verify your coverage and provide the necessary medical services.

• In Case of Emergencies:

  • If admitted to a non-panel hospital due to an emergency, notify Britam within 24 hours through the helpline indicated on your membership card.

4. APA Insurance – Afya Nafuu

APA Insurance’s Afya Nafuu is a comprehensive health insurance plan designed to provide affordable healthcare coverage for individuals and families in Kenya. With an inclusive age bracket ranging from 1 month to 75 years, this plan ensures that both young and elderly family members receive necessary medical protection.

APA’s Afya Nafuu plan provides outpatient coverage between KES 30,000 to 100,000 per person. Premiums are based on age brackets; for a family of four, the annual premium is approximately KES 130,000 for a KES 1 million inpatient family shared limit and KES 100,000 outpatient per person.

APA Insurance’s Afya Nafuu offers a comprehensive and affordable healthcare solution for individuals and families in Kenya. By following the outlined enrollment and payment steps, members can ensure access to essential medical services, promoting better health and financial security.

Key Features of Afya Nafuu

• Comprehensive Coverage: Afya Nafuu offers extensive inpatient benefits, including coverage for bed charges, pre-existing and chronic diseases (such as HIV/AIDS) after a 12-month waiting period, and various hospital-related expenses.

• Wide Age Bracket: The plan caters to individuals from 1 month to 75 years old, ensuring that all family members can be covered under a single policy.

• Extended Benefits: Coverage includes expenses related to COVID-19, with limits extended to match those offered for chronic and pre-existing conditions.

Steps to Enroll in Afya Nafuu

1. Visit APA Insurance’s Official Website:

   • Navigate to the Afya Nafuu product page: https://www.apainsurance.org/product_detail_afyanafuu.php

2. Contact APA Insurance for Application Details:

   • Reach out to APA Insurance through their contact page: https://www.apainsurance.org/portals

   • Alternatively, visit the nearest APA Insurance branch to obtain the Afya Nafuu application form.

3. Complete the Application Form:

   • Fill in personal details, including your National ID or Passport number.

   • Provide information for dependents, if applicable, such as birth certificates for children.

   • Attach recently taken passport-sized photographs of yourself and each dependent.

4. Submit the Application:

   • Return the completed form along with the required documents to the APA Insurance office or authorized agent.

   • Ensure all information is accurate to facilitate smooth processing.

Payment Methods for Afya Nafuu Premiums

1. Online Payment via APA Insurance Portal:

   • Access the APA Insurance online payment portal: https://www.apainsuranceservices.com/policy-service-center/online-billing-payments/

   • Follow the instructions to make a premium payment using available options such as EFT, e-check, or credit card.

2. Direct Bank Deposits:

   • Visit any of APA Insurance’s partner banks to make a direct deposit.

   • Provide your policy number and personal details to the bank teller.

   • Ensure you receive a receipt as proof of payment.

3. Cash Payments at APA Insurance Offices:

   • Visit the nearest APA Insurance branch to make a cash payment.

   • Obtain an official receipt upon payment.

Accessing Medical Services with Afya Nafuu

Once enrolled and premiums are up to date, members can access medical services at APA Insurance’s network of approved hospitals and clinics nationwide. To utilize the cover:

• At the Hospital:

  • Present your APA Insurance membership card upon arrival.

  • The hospital will verify your coverage and provide the necessary medical services.

• Preauthorization for Certain Services:

  • For specific procedures or tests, preauthorization may be required. Contact APA Insurance’s customer service for guidance.

Jubilee Insurance – J-Care Johari

Jubilee Insurance’s J-Care Johari is an affordable and comprehensive health insurance plan tailored for individuals and families in Kenya. This plan offers both inpatient and outpatient coverage, with premiums starting as low as KSh 25,000 per annum.

Jubilee’s J-Care Johari plan offers outpatient coverage between KES 40,000 to 50,000. For an individual, the premium is approximately KES 25,564, and for a family of four, around KES 56,121.

Jubilee Insurance’s J-Care Johari offers an accessible and comprehensive healthcare solution for individuals and families in Kenya. By following the outlined enrollment and payment steps, members can ensure access to essential medical services, promoting better health and financial security.

Key Features of J-Care Johari

• Simple Online Enrollment: The plan features a straightforward online enrollment process, eliminating the need for paperwork or health check-ups.

• Comprehensive Coverage: It provides extensive inpatient and outpatient benefits, ensuring access to quality healthcare services.

• Eligibility: The plan is available to main members and spouses aged 18 to 60 years, and dependent children from 0 days (term baby of 38 weeks) up to 18 years.

Steps to Enroll in J-Care Johari

1. Online Registration:

   • Visit the J-Care Johari product page on Jubilee Insurance’s website:

   • Click on the “Buy Now” button to initiate the enrollment process.

   • Fill in the required personal and medical information in the online application form.

   • Review and submit the form.

2. Payment of Premiums:

   • After submitting the application, you’ll be prompted to make the premium payment.

   • Choose your preferred payment method from the available options.

Payment Methods for J-Care Johari Premiums

1. M-Pesa Payments:

   • Access the M-Pesa menu on your mobile phone.

   • Select “Lipa na M-Pesa” and choose “Pay Bill.”

   • Enter Jubilee Insurance’s Paybill number: 328100.

   • Use your policy number as the account number.

   • Enter the premium amount you wish to pay.

   • Confirm the details and complete the transaction by entering your M-Pesa PIN.

2. Bank Payments:

   • Visit any branch of Diamond Trust Bank Kenya Limited.

   • Provide the following details to the bank teller:

     • Account Name: Jubilee Life Insurance Limited

     • Account Number: 0104126081

     • Bank & Branch: Diamond Trust Bank Kenya Limited, Nation Center

     • Bank & Branch Code: 63-001

     • Swift Code: DTKEKENA

   • Provide your policy number as a reference during the deposit.

   • Ensure you receive a receipt as proof of payment.

Accessing Medical Services with J-Care Johari

Once enrolled and premiums are up to date, members can access medical services at Jubilee Insurance’s network of approved healthcare providers nationwide. To utilize the cover:

• At the Healthcare Facility:

  • Present your Jubilee Insurance e-card upon arrival.

  • The facility will verify your coverage and provide the necessary medical services.

• In Case of Emergencies:

  • If admitted to a non-panel hospital due to an emergency, notify Jubilee Insurance within 24 hours through the helpline indicated on your e-card.

Conclusion