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.
Vike's corporate team supports schemes from 50 to several thousand lives across banking, manufacturing, professional services, NGOs, and tech. We bring multi-insurer tender expertise, claims analytics, a dedicated relationship manager, and on-site enrolment and wellness support. Our corporate clients consistently achieve renewal outcomes 5–15% below benchmark.
What It Covers
Inpatient — multi-tier limits across staff bands, including overseas treatment for executives
Outpatient — flat or tiered limits with chronic condition management built in
Maternity — full antenatal, delivery, post-natal, and neonatal cover
Dental and optical — included by default on most corporate schemes
Pre-employment and annual medical examinations
Wellness programmes — screenings, vaccinations, on-site clinics
Group life assurance and WIBA frequently bundled
Mental health benefit and Employee Assistance Programme (EAP)
Who It's For
Kenyan corporates and multinationals with 50+ employees
HR and benefits leaders managing schemes across multiple staff bands
Listed companies needing ESG-aligned employee health reporting
Organisations with field staff, expatriates, or international travel exposure
Types We Cover
Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.
Multi-Band Corporate Schemes
Three to five staff categories with distinct inpatient and outpatient limits. The default structure for most mid-to-large corporates. We design the bands with HR to align with grade structures and budget.
Self-Funded / Captive Arrangements
For very large groups (typically 500+ lives), part of the risk is retained by the employer or a captive insurer, with stop-loss reinsurance. Significant long-term savings but requires sophisticated administration.
Executive & Expat Plans
Top-tier benefits for C-suite and expatriate staff — international hospital panels (UK, India, South Africa), evacuation, and direct billing at premium facilities like the Aga Khan University Hospital network.
Hybrid Public-Private Schemes
Coordinate private cover with SHIF utilisation to manage premium. Increasingly common after the 2024 SHA transition; requires careful wording so claims don't fall between two stools.
Real-World Scenarios
Renewing a 220-life scheme with rising claims
The incumbent insurer proposed a 28% renewal increase. Vike tendered the scheme to four insurers, secured a 9% increase with broader maternity and a wellness programme included, and put the saving toward a mental health and EAP benefit. Result: better cover at lower cost.
Executive needs cardiac surgery overseas
An executive plan with an international panel covers the procedure at a partner hospital in South Africa or India, including evacuation, accommodation for one accompanying family member, and post-surgery rehabilitation. Pre-authorisation is handled by Vike's claims team.
Quarterly claims review identifies utilisation hotspot
Vike's quarterly report flags that outpatient claims are concentrated at three facilities with above-market drug pricing. We work with HR to communicate alternatives and renegotiate the panel — outpatient frequency drops 18% the following quarter without reducing access.
Optional Benefits & Add-ons
Banded executive cover with overseas treatment
Employee Assistance Programme (EAP) for mental health and counselling
On-site wellness clinics and annual health screenings
Telemedicine for all staff and dependants
Group life and WIBA under the same renewal
Dependant cover with employee co-payment
Availability varies by underwriter. Our advisors will confirm what is available on your chosen policy.
Frequently Asked Questions
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