Is maternity covered from day one?

No. A 12-month waiting period from policy inception is standard across the Kenyan market. If you are already pregnant when you apply, maternity for that pregnancy will not be covered. We strongly recommend taking cover well before trying to conceive.

Can I add my newborn mid-year?

Yes. Most insurers add a newborn from day one of life if the principal member's plan is current and the birth is registered with the insurer within 30–60 days. Pre-existing congenital conditions of the newborn may have specific terms.

Are parents and parents-in-law covered?

Not under a standard family plan. They can usually be added as a separate senior-citizen rider on the same policy at an additional premium. Underwriting (age, health) applies.

What if my child is at school abroad?

We can place a Kenya-and-overseas dual-cover plan, or arrange a separate student travel/medical policy. Some family plans extend international treatment with prior authorisation.

Health & Medical Insurance

Family Medical Insurance

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

Get a Family Medical Quote Talk to an Advisor

Up to 6 dependantsMaternity & paediatricInpatient + outpatientFamily tier discounts

Up to 6

Dependants Covered

Family

Discount Tiers

Up to 6

Dependants Covered

Family

Discount Tiers

Years Experience

Underwriter Partners

Claims Paid 2024

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Google Rating

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.

For young families, the case for private cover is straightforward: paediatric admissions, recurring outpatient visits, maternity, and dental work all add up fast, and SHIF's public benefits leave significant gaps. Vike compares family medical schemes that bundle these benefits cost-effectively, and we structure the cover around how your family actually uses healthcare — not a generic template.

What It Covers

Inpatient — admission, surgery, ICU, and maternity for the whole family
Outpatient — GP, specialist, diagnostics, and pharmacy
Maternity — antenatal, normal delivery, C-section, and post-natal care
Paediatric — congenital conditions (disclosed), routine immunisations, child consultations
Dental — routine cleanings, fillings, extractions; major work as a rider
Optical — eye tests, frames, and lenses for adults and children
Pre- and post-hospitalisation expenses
Local and overseas emergency evacuation

Who It's For

Young families planning children or with children under 18
Self-employed parents without employer medical cover
Single-parent households consolidating cover for self and children
Households where one spouse has corporate cover and the other does not

Types We Cover

Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.

Shared-Limit Family Plans

One annual limit covers the whole family. Cheapest structure but a single major claim by one member can erode cover for the rest. Suitable for healthy families with no recurring needs.

Per-Member-Limit Plans

Each family member has their own annual limit. More expensive but predictable. Strongly recommended where one member has a known chronic condition or pregnancy is planned.

Maternity-Focused Plans

Higher maternity sub-limits (e.g. KES 200K–400K per delivery) and shorter waiting periods. Worth choosing when you are actively trying to conceive or in the early months of pregnancy.

Mid-Range Family Plans

The sweet spot for most families: inpatient KES 1M–3M per family, outpatient KES 150K–300K shared, full maternity, dental, and optical. Premiums for a family of four typically run KES 80K–200K annually.

Real-World Scenarios

Planned delivery at Aga Khan

A normal delivery package at a leading private hospital runs KES 180,000–250,000; a Caesarean KES 320,000+. A family plan with a KES 350K maternity sub-limit (after a 12-month waiting period) settles directly. Antenatal and post-natal visits are typically covered under outpatient.

Child hospitalised for severe malaria

A three-night admission with IV treatment, blood tests, and follow-up runs KES 90,000–140,000. A family plan with shared inpatient limit pays the hospital directly; you handle only any small excess.

Spouse needs an MRI scan

An MRI in Nairobi costs KES 35,000–55,000. Most family plans include MRI/CT scans under outpatient diagnostics, typically with a sub-limit. We confirm scan sub-limits on every recommendation.

Optional Benefits & Add-ons

Increased maternity sub-limit

Major dental — root canals, crowns, orthodontics

Comprehensive optical including contact lenses

Parents-in-law cover (often available as a separate senior rider)

International treatment cover for serious diagnoses

Wellness benefit — annual health check-ups and screenings

Availability varies by underwriter. Our advisors will confirm what is available on your chosen policy.

Frequently Asked Questions

Standard family policies cover children up to age 18, or up to age 23 if in full-time tertiary education with a school letter. Above that, children move to their own individual policy — we handle the transition.