Medical cover gaps at retirement are one of the most common and most avoidable financial crises Kenyan retirees face. When you exit employer-provided cover upon retirement, re-entering the private medical market often requires medical pre-screening and waiting periods — meaning existing conditions may be excluded or result in denial of cover. We help staff approaching retirement and existing retirees get on board a senior medical scheme before leaving employer cover, ensuring continuity of protection without gaps. Senior medical plans in Kenya offer: inpatient and outpatient cover up to age 74–80 (depending on provider), chronic condition management, overseas referral for conditions not treatable locally, and emergency evacuation. Act before you retire, not after.