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.
Vike specialises in SME schemes for businesses with 5 to 50 employees — the segment that often gets overlooked by insurers focused on multinational corporates. We structure the scheme around your actual headcount, dependant profile, and budget, and handle scheme administration so HR isn't drowning in claim queries.
What It Covers
Inpatient — admission, surgery, ICU, maternity per employee (and dependants if added)
Outpatient — consultations, diagnostics, prescribed drugs
Maternity — for principal members and spouses
Dental and optical (typically standard on most SME schemes)
Annual wellness check-up for senior staff (premium tier)
Group personal accident and group life as bolt-ons
Direct credit at panel hospitals for both staff and dependants
Last expense benefit for staff and immediate family (most schemes)
Who It's For
Kenyan SMEs with 5 or more employees
Founders wanting to attract and retain talent in competitive sectors
Family businesses formalising staff benefits
Saccos and NGOs covering their staff and field officers
Types We Cover
Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.
Inpatient-Only Schemes
The cheapest group structure. Covers hospital admission and surgery only. Common for first-time scheme buyers and lower-tier staff bands. Outpatient is sometimes handled through a separate clinic agreement or staff allowance.
Comprehensive Group Schemes
Inpatient + outpatient + maternity + dental + optical. The standard expectation for white-collar SMEs. Premiums typically KES 35,000–80,000 per employee per year depending on age and limits.
Banded Schemes
Different benefit levels (e.g. KES 500K vs KES 2M inpatient) for different staff categories — typically junior, middle, and senior. Common in tech, professional services, and manufacturing.
Schemes with Dependant Cover
Adds the employee's spouse and children (up to 4 children typically) at an additional per-dependant premium. Strong retention tool. Many SMEs offer this as an opt-in employee-funded benefit.
Real-World Scenarios
Setting up a first scheme for a 12-person tech startup
We placed a comprehensive scheme at KES 48K/employee with KES 1.5M inpatient and KES 120K outpatient. Total annual cost about KES 580K — significantly cheaper than each employee buying individual cover, and a major retention win versus uninsured competitor offers.
Manufacturer needing different cover for office and factory staff
We built a banded scheme: factory floor staff on KES 400K inpatient / KES 60K outpatient, supervisors on KES 1M / KES 100K, management on KES 3M / KES 200K. One scheme, one renewal date, and benefits matched to roles.
Maternity claim during the scheme year
An employee's normal delivery costs KES 220K at a panel hospital. The scheme settles directly with the hospital under the maternity sub-limit. The employee returns from leave with no out-of-pocket and no admin burden on HR.
Optional Benefits & Add-ons
Dependant cover for spouses and children
Group personal accident — 24-hour cover for all staff
Group life assurance — lump-sum payout on death
Last expense benefit
Annual wellness check-ups and screenings
Telemedicine subscription for the whole group
Availability varies by underwriter. Our advisors will confirm what is available on your chosen policy.
Frequently Asked Questions
You May Also Need
Quotes from Kenya's leading underwriters
Ready to get covered?
Our advisors will compare quotes and find the best fit for you — at no extra cost.
Get an SME Group Medical Quote
