Inpatient care
Hospital admission, accommodation, treatment and surgery, subject to the plan limit and policy terms.
Health cover for individuals, families and businesses
Medical Insurance in Kenya
Understand your options, compare the details that matter and choose medical cover with confidence.
Clear advice before you choose
Find cover that fits your needs
Medical insurance can help protect your finances when you need healthcare. The right plan depends on who needs cover, the benefits you want, your preferred provider network and the amount you are comfortable paying.
Latron Insurance Agency helps individuals, families and employers compare available options in Kenya. We explain benefit limits, exclusions, waiting periods, provider networks and the claims process before you make a decision.
Understanding your options
What medical insurance may include
Benefits vary by insurer and plan. We help you check the policy schedule carefully before you buy.
Outpatient care
Consultations, tests and prescribed medicine may be included within an annual outpatient limit.
Maternity
Some plans include maternity and newborn benefits after a stated waiting period and within a sublimit.
Dental and optical
Dental treatment and eye care may be offered as included benefits or optional additions.
Emergency support
Emergency treatment, evacuation or ambulance benefits may be available depending on the plan.
Chronic conditions
Terms for chronic or pre-existing conditions vary and may require medical underwriting or waiting periods.
Personalised support
Cover designed around different needs
Individuals
Personal cover selected around your healthcare needs, preferred facilities and budget.
Families
One plan can protect a principal member and eligible dependants, subject to the insurer’s rules.
Businesses and groups
Employee medical benefits can support staff wellbeing, satisfaction and retention.
Preparing your quotation
What to have ready
Start with basic information only. Latron will explain if an insurer needs anything further.
- 1Number of people who need cover and their age groups
- 2Preferred inpatient and outpatient benefit levels
- 3Preferred hospitals, clinics or geographic coverage
- 4Any dental, optical, maternity or travel-related needs
- 5Approximate budget and current policy renewal date, if applicable
Helpful answers
Frequently asked questions
What is the difference between inpatient and outpatient cover?+
Inpatient cover applies when you are admitted to hospital. Outpatient cover applies to services such as consultations, tests and prescribed medicine when admission is not required.
Can one policy cover my whole family?+
Many insurers offer family plans for a principal member and eligible dependants. Age limits, dependant definitions and benefit limits vary by policy.
Are pre-existing conditions covered?+
This depends on the insurer, medical underwriting and the policy terms. A plan may exclude a condition, apply a waiting period or offer cover within a stated limit.
How can I compare medical insurance quotations?+
Compare more than the premium. Check inpatient and outpatient limits, provider network, co-payments, exclusions, waiting periods, sublimits and claims procedures.
No-obligation conversation
Let’s find the right protection.
Speak with Latron for clear guidance and a personalised quotation.