Best Health Insurance Companies in Kenya

Best Health Insurance Companies in Kenya
Best Health Insurance Companies in Kenya

Top 10 health Insurance Companies in Kenya

Health insurance is an agreement whereby insurance company agrees to undertake a guarantee of compensation for medical expenses in case the insured falls ill or meets with an accident which leads to hospitalization of the insured.

Buying a health insurance policy for yourself and your family is important because medical care is expensive, especially in the private sector. Hospitalization can burn a hole in your pocket and derail your finances. It will become even tough, if the person who brings in the money, is now in a hospital bed. All this can be avoided by just paying a small annual premium which would lessen your stress in case of medical emergencies.

A good health insurance policy would usually cover expenses made towards doctor consultation fees, costs towards medical tests, ambulance charges, hospitalization costs and even post-hospitalization recovery costs to a certain extent.

Here is a list of Best Insurance companies in Kenya

  1. The Heritage Insurance Company Ltd

This is a subsidiary of Liberty Kenya Holdings Plc which is listed on the Nairobi Stock Exchange. Liberty Kenya Holdings Plc is also the holding company for Liberty Life Assurance Kenya Ltd, the long-term businesses of the group. It is a subsidiary of Liberty Holdings Limited, a leading financial services group with a representation in 25 countries across the African continent. Liberty Holdings Limited is majority owned by Standard Bank Group Limited which is the largest African banking group by assets. For more go to their website:

  1. UAP Insurance

The company was started as Old Mutual in South Africa in 1845 making it the oldest in this list. It was not until 1920 that it started operations in Kenya. In 1978, Old Mutual merged with UAP insurance to form UAP Old Mutual.

It is now one of the biggest health insurance company in Kenya which also offers a variety of other insurance covers. They have amazing health cover plans which gives you the flexibility to choose what you want. The plans include:

  • Afya Imara – The main, all-inclusive health insurance cover
  • Afya Imara County – health insurance cover from your respective county hospital
  • Afya Imara Seniors – for adults between the age of 66 and 80 years old.
  • Afya Imara Junior – health insurance cover for children below 19 years.
  • Afya Imara executive – Personalised health plan offering a worldwide geographical coverage to meet your specific medical needs
  1. AAR Insurance

AAR started its operations in 1984 with its primary business being medical evacuations of accident casualties both by road and by air. Membership increased along with numbers of customers, hence creating more opportunities to provide comprehensive health.

Today AAR Insurance has a presence across the region through its intensive branch and broker network. AAR Insurance is also a licensed financial service provider and a member of the Association of Kenyan Insurers. We have distinguished ourselves as dynamic thought leaders by providing flexible and simple insurance solutions to empower Africa’s people; the cornerstone of a strong economy. AAR Insurance has been operating as an independent company for the last four years. For more go to their website:

  1. Jubilee Insurance

Jubilee Insurance Ltd, was established as the first incorporated Insurance Company based in Mombasa in August 1937. We have since spread our wings and sphere of influence as the No. 1 Insurance Company in the region with offices in Kenya, Uganda, Tanzania, Burundi and Mauritius and are recognized as the largest Composite Insurer in East Africa with over 450,000 clients.

Jubilee insurance is listed in the Nairobi Securities Exchange, Dar e Salaam Stock Exchange and the Uganda Securities Exchange having been rated highly on Leadership, Quality and Risk Management and awarded AA- rating in Kenya & Uganda and an A+ in Tanzania. For more go to their website:

  1. Madison Insurance

Madison Insurance Company Kenya Limited is a locally owned insurance company in Kenya. It was incorporated under Kenyan Laws in 1988 after a successful merger between Crusader Plc (1974) and Kenya Commercial Insurance Corporation. It is one of the leading names in the insurance industry offering both Life and General Insurance products. Madison has its Head-office in Nairobi with twenty three branches in all the principal towns in Kenya. The branches fall under four Regional Offices namely, Nairobi Region, Western Region, Coast Region and Central Region.

Despite the severe economic environment and intense competition in the industry over the years, Madison has continued to grow to achieve a combined premium income of over 5 billion by 31st December 2015.

The main objectives for Madison Insurance is to provide the best insurance products at the most reasonable prices and to offer unparalleled customer service to our customers.

Madison Insurances investment strategy focuses on attaining superior long term yields on investment through a well diversified spread of assets. Our asset base is currently 10 billion, and we are growing further by developing a larger investment portfolio. For more go to their website:

  1. Resolution Insurance

Established in 2002 as Resolution Health, a Medical Insurance provider have undergone a 360-degree revolution to become Resolution Insurance in 2013.Our unique products are distributed by a passionate team of over 900 external agents & brokers together with a dedicated in-house sales team of over 200 business consultants who believe in us.  For more go to their website:

  1. APA Insurance

Founded in 1977, APA mission has been to provide present and future peace of mind to the East African market and, in turn, enhance the quality of life for both our clients and their loved ones.

Built on commitment, integrity and innovation, we have risen to become one of the leading Financial Service Groups in East Africa.

The Apollo Group has 6 companies; APA Insurance, APA Life, APA Uganda, Apollo Asset Management, Gordon Court (Apollo Centre) and Reliance Insurance, Tanzania. For more go to their website:

  1. Pacis Insurance Company

The Catholic Church mooted the idea of the formation of Pacis Insurance Company Limited (Pacis) in 1997. This was after realisation that the church needed to have a sustainable avenue of raising funds to support her projects. Pacis was incorporated in Kenya in October 2004 and licensed to do business in August 2005.

The Catholic Church in Kenya through the various Archdioceses, Dioceses, the Catholic Missionary Priests, and the Association of the Catholic Nuns together with affiliated institutions of the Church are the main sponsor of the Company. All profits made by the company go to the sponsor, the various arms of the church, that then reinvest the money back into the community through numerous projects.

Pacis is a Latin word that means PEACE. Pacis therefore strives to bring peace and comfort to society by ensuring that all our clients have peace of mind because they know that in the event of a loss, we will be there for them. For more go to their website:

  1. Britam Insurance

Britam is a leading diversified financial services group, listed on the Nairobi Securities Exchange. The group has interests across the Eastern and Southern Africa region, with operations in Kenya, Uganda, Tanzania, Rwanda, South Sudan, Mozambique and Malawi. The group offers a wide range of financial products and services in Insurance, Asset management, Banking and Property.

  •  Mission : providing you with financial security every step of the way.
  •  Vision : To be the leading diversified financial services company in our chosen markets across Africa.
  •  Values : Respect , Integrity ,Innovation and Customer focus.

For more go to their website:

  1. Pan-Africa life

With over sixty seven years of insurance excellence under our portfolio, more than 600,000 lives covered, a market share of over 16% of the Life business in Kenya; the company has and is stamping significant footprint in the Kenyan market, with a branch presence in all the major towns throughout Kenya supported by a large agency force. For more go to their website: