Comprehensive Health Cover for Individuals, Families & Businesses

Individual Medical Insurance

Inpatient and outpatient cover for individuals: hospital stays, surgery, specialist consultations, and chronic condition management.

Since the transition from NHIF to the Social Health Authority (SHA) in October 2024, private medical cover has become more important than ever for Kenyans who want predictable access to quality healthcare. Individual medical insurance fills the gap between SHIF's public-scheme limits and the actual cost of care at Aga Khan, Nairobi Hospital, MP Shah, Karen Hospital, Avenue, and the country's other leading private facilities.

Family Medical Insurance

One plan covering you, your spouse, and your children, with maternity, paediatric, and dental options under a shared limit.

Family medical insurance covers a principal member, their spouse, and dependants, typically children up to age 18 (or 23 if in full-time tertiary education): under a single contract. The benefits, limits, and excess are usually shared across the family, though some insurers offer per-member limits for higher-tier plans.

SME Group Medical Insurance

Affordable group medical schemes for small and medium businesses, covering 5 to 50 employees with optional dependant cover.

Group medical cover is the single most valued benefit Kenyan SMEs can offer their staff. It is also one of the most cost-effective: from five lives upward, insurers price group medical 20–40% below the equivalent individual cover, because risk is pooled across the group and the underwriting overhead is lower per member.

Corporate Medical Insurance

Bespoke medical schemes for corporates above 50 lives: banded benefits, broad hospital panels, and a dedicated relationship manager.

At 50+ lives, group medical pricing transitions from book rates to experience-rated underwriting: your scheme's own claims history starts to drive the premium at renewal. That is an opportunity: well-managed schemes reward employers with better terms each year, but it also requires the right broker to structure benefits, monitor utilisation, and challenge insurer renewal proposals on the numbers.

Outpatient-Only Medical Insurance

Standalone outpatient cover for Kenya: GP and specialist consultations, lab tests, and prescribed drugs, without inpatient.

Outpatient-only medical insurance covers the everyday healthcare you use without being admitted to hospital, seeing a GP or specialist, having lab tests and scans, and collecting prescribed medication. In Kenya these visits are where most households actually spend on health: a consultation and a course of drugs can run KSh 3,000–8,000 each time, several times a year, and none of it touches an inpatient policy. A standalone outpatient plan turns those unpredictable cash payments into one predictable annual premium.

Monthly Medical Cover: Health Insurance Priced Per Month

Vike medical insurance is paid as one premium upfront each year, not in monthly instalments. This plan's annual premium works out to about KSh 1,800 a month, so it is easy to budget against inpatient and outpatient health cover.

Some Kenyans search for "monthly medical cover" hoping to pay for health insurance in small instalments. Vike does not offer instalment billing: like our other products, medical cover is paid as a single premium upfront for the year. What we do offer is the cost shown broken down by the month, so it is easy to budget against a salary: from about KSh 1,800 a month, which works out to roughly KSh 21,600 for the full year. The benefits are the same as a standard medical plan: inpatient admission and surgery, plus outpatient consultations, tests, and drugs where the plan includes them.