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AXA, Allianz, April International, Bupa Global, Cigna, Healthcare International Group, NOW Health International, VUMI, IMG Global, DavidShield, and Geoblue are the top insurance companies offering unique benefits tailored to meet the diverse needs of expats in Kenya.
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Are you an expat looking for healthcare coverage during your time in Kenya? Maybe you’re wondering how to find and compare insurance providers that will meet your budget and lifestyle.
The insurers in this guide are not ranked in any particular order. What unites them is their commitment to providing comprehensive protection and good value for money. In this Pacific Prime article, we will delve deeper into the specifics of each company, helping you make an informed decision.
AXA for Expats in Kenya
The health insurance plans from AXA for expats in Kenya offer peace of mind with benefits such as 24/7 personal support, virtual doctor consultations, up to $8 million in annual coverage limits, inpatient and outpatient care, emergency assistance, specialized treatments, and more.
With coverage options that extend globally, AXA stands out as a reliable choice for expats seeking quality healthcare solutions. An overview of the AXA health insurance plans is given below:
| Plan Name | Annual Limit (USD) | Key Benefits |
| Foundation Plan | $160,000 | Inpatient care, emergency services, medical evacuation |
| Standard Plan | $1,600,000 | All Foundation benefits + dental care |
| Comprehensive Plan | $2,400,000 | All Standard benefits + outpatient and chronic condition coverage |
| Prestige Plan | $3,200,000 | All Comprehensive benefits + maternity and health checks |
| Prestige Plus Plan | $8,000,000 | Most comprehensive, includes all previous benefits |
Allianz for Expats in Kenya
Key features of Allianz’s health insurance plans include efficient claims processing, extensive coverage options, and support services specifically designed for expats in Kenya. With over 1.9 million medical providers globally, expats have access to quality healthcare wherever they are.
These plans provide a range of essential services, from inpatient treatments to wellness programs. The following table summarizes the main health insurance plans available for expats in Kenya:
| Plan Name | Maximum Plan Limit (USD) | Room Type | Key Benefits |
| Allianz Care | $2,500,000 | Semi-Private | Inpatient care, medical evacuation, oncology |
| Allianz Care Plus | $4,000,000 | Private | Includes all Care benefits plus emergency dental |
| Allianz Care Pro | $5,000,000 | Private | Comprehensive coverage, including preventive surgery |
April International for Expats in Kenya
Key benefits of health insurance plans from April International for expats in Kenya include 24/7 support through various communication channels, paperless claims via the Easy Claim app, and extensive coverage options, including hospitalization and medical repatriation.
April International offers tailored health coverage, from basic emergency care to extensive coverage for outpatient services. With over 30 years of experience, the company provides comprehensive coverage that meets the diverse needs of expats:
| Plan | Annual Benefit Limit | Hospitalization Coverage | Medical Repatriation |
| Emergency Plan | EUR €250,000 (USD $294,725) | Emergency-only | Covered |
| Formule Basic | EUR €500,000 (USD $589,450) | Full coverage | Covered |
| Essential Plan | EUR €1,000,000 (USD $1,178,900) | Full coverage | Covered |
| Comfort | Unlimited | Full coverage | Covered |
| Premium Plan | Unlimited | Full coverage | Covered |
Bupa Global International for Expats in Kenya
Bupa Global offers comprehensive health insurance plans for expats in Kenya, giving access to a wide network of providers. Key benefits include 24/7 medical assistance through Global Virtual Care, lifetime renewal options, and the option to seek second medical opinions without referrals.
This flexibility makes Bupa Global a popular choice among expats seeking reliable healthcare solutions. Bupa Global’s health insurance plans cater to various needs, from basic medical expenses to comprehensive healthcare:
| Plan Type | Annual Benefit Limit (USD) | Key Features |
| Major Medical | Up to $3,174,200 | Worldwide coverage, designed for emergencies |
| Select | Up to $1,587,100 | Regional coverage, includes health screenings |
| Premier | Up to $2,380,600 | Comprehensive coverage, includes dental and optical |
| Elite | Up to $4,764,300 | Most extensive coverage, including maternity care |
Cigna for Expats in Kenya
With a robust network of healthcare providers and key features including worldwide coverage options, 24/7 customer support, and flexible deductible choices, Cigna‘s health insurance plans are designed to meet the diverse needs of expats in Kenya.
Cigna’s flexible options allow expats in Kenya to customize their health plans according to their specific needs. Expats can choose from four core plans: Silver, Gold, Platinum, and Close Care, each providing varying levels of coverage to suit different lifestyles and budgets:
| Plan Name | Annual Limit (USD) | Coverage Area | Mental Health Care Limit (USD) | Inpatient Care |
| Silver | $1,000,000 | Worldwide (excl. US) | Up to $5,000 | Paid in full for private room |
| Gold | $2,000,000 | Worldwide (excl. US) | Up to $10,000 | Paid in full for private room |
| Platinum | Unlimited | Worldwide (incl. US) | Unlimited | Paid in full for private room |
| Close Care | $500,000 | Country of residence only | $3,000 | Paid in full for semi-private room |
Healthcare International Group for Expats in Kenya
HealthCare International Group offers a range of health insurance plans that ensure comprehensive coverage for expats in Kenya, including options for inpatient treatment, cancer care, and emergency medical evacuation.
With a commitment to exceptional customer service and flexible policy customization, expats can find coverage that aligns with their individual health needs and budget:
| Plan Name | Coverage Type | Inpatient Limit (USD) | Outpatient Limit | Additional Benefits |
| Health Protect | Standard | Up to $250,000 | Partially Covered | Cancer care, emergency evacuation |
| Health Protect | Premium | Up to $1,000,000 | Partially Covered | Maternity, dental, and vision options |
| NIMBL Health | Customizable | Up to $3,000,000 | Flexible options available | Tailored benefits to fit personal needs |
| Integra Global | Family Plans | Comprehensive coverage | Partially Covered | Expat assistance and family deductibles |
| MarineSure Health | Individuals/Business | Flexible, based on policy | 24/7 medical evacuation coverage | Specialized coverage for marine professionals |
Now Health International for Expats in Kenya
Health insurance plans Now Health International offers to expats in Kenya provide essential medical coverage and options that cover both inpatient and outpatient care, including specialized treatments.
Expats can customize their insurance to meet individual needs and budget constraints and choose between plans that include coverage for emergencies, surgeries, and additional services like maternity care, depending on their selected tier:
| Plan Type | Annual Benefit Limit (USD) | Inpatient Care | Outpatient Care | Routine Maternity Care |
| SimpleCare Core | Up to $1,000,000 | Covered | Not Covered | Not Covered |
| SimpleCare 100 | Up to $1,500,000 | Covered | Subject to Limits | Optional for Groups |
| SimpleCare 250 | Up to $1,500,000 | Covered | Covered | Optional for Groups |
| WorldCare Essential | Up to $3,000,000 | Covered | Subject to Limits | Not Available |
| WorldCare Apex | Up to $4,500,000 | Covered | Covered | Included |
VUMI for Expats in Kenya
Key features of health insurance plans from VUMI for expats in Kenya include a maximum annual benefit limit of up to USD $4,500,000, flexible coverage plans, and access to an exclusive medical network. These plans cover routine healthcare, hospitalization, maternity care and more:
| Plan Name | Annual Benefit Limit (USD) | Maternity Coverage (USD) | Dental Coverage |
| Global Flex VIP Basic | $3,000,000 | Not included | Emergency coverage only |
| Global Flex VIP Standard | $3,500,000 | Not included | Emergency coverage only |
| Global Flex VIP Superior | $4,000,000 | $12,500 | Available after 9-month wait |
| Global Flex VIP Ultra | $4,500,000 | $15,000 | Available after 9-month wait |
| Global Flex VIP Total | $5,000,000 | $20,000 | Available after 9-month wait |
IMG Global for Expats in Kenya
With options for both short-term and long-term stays, IMG Global’s health insurance plans for expats in Kenya offer peace of mind through flexible coverage, including around-the-clock support, emergency medical evacuation and prescription drug benefits:
| Plan Category | Lifetime Limit (USD) | Key Benefits |
| Bronze | $1,000,000 | Inpatient care, outpatient surgery, emergency evacuation up to $50,000 |
| Silver | $5,000,000 | All Bronze benefits plus enhanced outpatient coverage and higher limits |
| Gold | $5,000,000 | All Silver benefits with advanced features such as maternity care |
| Platinum | $8,000,000 | Comprehensive coverage including all previous benefits and additional optional riders |
DavidShield for Expats in Kenya
Comprehensive health insurance plans from DavidShield for expats in Kenya provide medical coverage with 24/7 customer support and a user-friendly payment system through the DavidCard, allowing customers to receive quality healthcare without incurring out-of-pocket expenses.
Each plan is crafted to meet the diverse needs of expats, offering flexibility and peace of mind:
| Plan Name | Coverage Area | Key Features | Annual Limit (USD) |
| Worldwide Excluding USA | Global (excl. USA) | Extensive medical coverage, free choice of provider | Up to $2 million |
| USA & Worldwide | Global (incl. USA) | Access to UnitedHealthcare network, copay options | Up to $1.5 million |
GeoBlue for Expats in Kenya
Key features of comprehensive health insurance plans from GeoBlue for expats in Kenya include 24/7 medical support, cashless appointments, and an extensive provider network that spans over 180 countries, including Kenya.
With options for both short-term and long-term coverage, GeoBlue caters to the diverse needs of expats. These plans ensure that expats in Kenya can access vital healthcare services, including preventative care, emergency medical assistance, and specialized treatment:
| Plan Name | Medical Maximum Benefit (USD) | Coverage Duration | Deductible Options (USD) | Preventative Care Coverage |
| Xplorer Premier | Unlimited | Up to 9 months in the USA | $0, $500, $1,000, etc. | Yes |
| Xplorer Essential | $1,000,000 | Maximum of three trips, 21 days each | $0, $1,000, etc. | Not covered |
| Voyager | $1,000,000 | Single trip up to 182 days | $0, $100, $250, etc. | For children |
| Trekker | $1,000,000 (up to age 69) | Unlimited trips, 70 days each | $0, $100, etc. | For children |
Why Expats Should Secure Insurance Through a Broker
The key reasons for utilizing an insurance broker include expertise, a much wider plan selection, cost effectiveness, ongoing support, and peace of mind. For expats navigating the complex landscape of international health insurance, partnering with a broker can be a game-changer:
- Expert Guidance: Brokers possess in-depth knowledge of global insurance markets and local regulations, ensuring that expats find policies tailored to their unique circumstances. They can clarify the intricacies of coverage options, exclusions, and claims processes.
- Wide Selection of Plans: By leveraging a broker, expats gain access to a diverse array of insurance plans from multiple providers. This variety allows for a comprehensive comparison, helping individuals select the best coverage that fits both their needs and budget.
- Cost Efficiency: Contrary to the belief that brokers increase costs, they often negotiate better rates with insurers due to their established relationships. This means expats can secure competitive pricing without sacrificing quality.
- Ongoing Support: A broker’s role extends beyond the initial purchase. They provide continuous assistance with claims, policy renewals, and any questions that arise during the coverage period. This support alleviates the stress of dealing with insurance companies directly.
- Peace of Mind: Knowing that a dedicated professional is advocating on their behalf offers expats significant reassurance. Brokers can help navigate the complexities of international insurance, ensuring that clients are well-informed and adequately protected.
Securing insurance through a broker not only streamlines the selection process but also enhances the overall experience for expats.
Frequently Asked Questions
Which insurance companies are considered top providers for expats in Kenya?
The leading insurance companies for expats in Kenya include AXA, Allianz, April, Bupa, Cigna, Healthcare International Group, NOW Health International, VUMI, IMG, DavidShield, and GeoBlue. Each offers tailored plans for expats.
What health precautions should expats take while living in Kenya?
Expats in Kenya should consider vaccinations, avoid untreated water, and take preventive measures against mosquito bites. Regular health check-ups and awareness of local health issues are also recommended.
What are the main benefits of using a broker for health insurance in Kenya?
Using a broker provides expert guidance on various insurance options, access to a wide range of plans, and ongoing support with claims and renewals. This ultimately simplifies the insurance process for expats.
What coverage options are available for expats seeking health insurance?
Expats can choose from a variety of coverage options, including inpatient care, outpatient services, emergency medical evacuation, and wellness programs. Plans can be tailored to fit individual needs and budgets.
What should expats consider when selecting a health insurance plan in Kenya?
Expats should evaluate the level of coverage, annual limits, network of providers, insurer reputation, direct payment availability, and specific benefits offered. Comparing plans can help ensure they find the best fit for their health needs and lifestyle.
Conclusion
Kenya is a vibrant country known for its stunning landscapes, diverse wildlife, and rich cultural heritage. Highlights include the iconic Maasai Mara, breathtaking Lake Nakuru, and bustling Nairobi. With a unique blend of urban life and natural beauty, Kenya is an appealing place to live.
If you’re thinking about visiting or relocating to Kenya, you’re certainly not alone! However, it’s crucial to arrange appropriate health insurance based on your individual needs before you travel.
Whether you choose travel insurance, expat health insurance, or international health insurance, Pacific Prime is ready to assist you! We have extensive knowledge and international experience to create a solution that suits your needs, fits your budget, and provides excellent value.
Additionally, our expert advice and support are completely free! Contact us today for a consultation, quote, or a complimentary, obligation-free plan comparison.
Would you think about choosing Lebanon and Nigeria as your next destinations? If yes, take a look at our articles on the best insurers in Lebanon and the best insurers in Nigeria as well!
Since joining Pacific Prime, Martin has become even more aware of the gap between the true value of insurance products and most people’s appreciation of it, and developed a passion for demystifying and simplifying matters, so that more people get the protection they need at a cost they can easily afford.
In his free time, Martin attends concerts of various genres, and plays the violin with piano accompaniment he pre-recorded himself or played live by his niece.
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