Inpatient treatment
Hospital admission, accommodation, treatment and surgery may be covered within the selected annual limit and policy terms.
Healthcare benefits for employees and eligible dependants
Group Medical Insurance in Kenya
Build a group medical scheme around your workforce, benefit priorities and budget with clear comparison support.
Clear advice before you choose
Find cover that fits your needs
Group medical insurance allows an eligible organisation to arrange healthcare benefits for employees and, where included, their dependants under one scheme. The right structure depends on group size, member profile, benefit limits, provider network and budget.
Latron Insurance Agency helps Kenyan employers and eligible groups compare quotations and understand inpatient, outpatient and optional benefits. We support decision-makers through scheme setup, renewal reviews and the claims or member-service process.
Understanding your options
Benefits a group medical scheme may include
Benefits and eligibility vary by insurer, group profile and selected plan. Limits, waiting periods and exclusions should be reviewed carefully.
Outpatient treatment
Consultations, diagnostic tests and prescribed medicine may be included within a stated member limit.
Maternity
Selected schemes may include maternity and newborn benefits, subject to eligibility, waiting periods and sublimits.
Dental and optical
Dental treatment and eye care may be included or added within separate limits and provider rules.
Chronic and pre-existing conditions
Terms vary according to the insurer, group size, underwriting approach and agreed benefit structure.
Emergency and evacuation
Ambulance, emergency treatment or evacuation benefits may be available within stated geographic and policy limits.
Personalised support
Medical benefits for different organisations
Small and medium businesses
A structured health benefit can support recruitment, retention and employee wellbeing as a business grows.
Larger employers
Schemes can be compared across benefit categories, member classes, provider networks and service arrangements.
Eligible associations and groups
Some insurers consider qualifying organised groups, subject to minimum membership and underwriting requirements.
Preparing your quotation
What to have ready
Start with basic information only. Latron will explain if an insurer needs anything further.
- 1Number of employees and eligible dependants, with age groups
- 2Preferred inpatient, outpatient and optional benefit limits
- 3Important hospitals, clinics or provider-network requirements
- 4Current scheme details, claims experience and renewal date, if applicable
- 5Target start date and approximate budget
Helpful answers
Frequently asked questions
What is the minimum number of members for group medical insurance?+
Minimum group sizes vary by insurer and scheme. Latron can check available options after reviewing the organisation and proposed member list.
Can employees include their dependants?+
Many schemes can include eligible spouses and children. Definitions, age limits, documentation and benefit rules depend on the selected insurer and policy.
What affects a group medical premium?+
Factors may include member count and ages, dependant profile, benefit limits, provider network, industry, location, claims experience, optional benefits and underwriting terms.
How should an employer compare quotations?+
Compare the total benefits, sublimits, exclusions, waiting periods, provider network, service processes, member co-payments and renewal terms—not only the premium.
No-obligation conversation
Let’s find the right protection.
Speak with Latron for clear guidance and a personalised quotation.