A single uncovered hospitalisation can wipe out years of savings. Private individual and family medical insurance bridges the critical gaps left by SHIF, providing comprehensive cover including: inpatient hospitalisation (ward, surgery, ICU, specialist consultations), outpatient care (GP consultations, diagnostics, drugs, dressings), maternity (prenatal, delivery, postnatal), chronic and pre-existing conditions (after waiting periods), dental and optical care, cancer treatment, emergency evacuation (road and air for higher limits), overseas referral for conditions not treatable locally, funeral benefit, and post-hospitalisation medication. We provide independent, provider-neutral advice to match you with the right cover for your needs and budget — with inpatient limits ranging from KES 100,000 to KES 10,000,000. Protect your health and your income before you need it.