Here’s a curated list of the top 10 affordable medical insurance covers in Kenya for 2025, based on premiums, coverage, and accessibility:

1. Jubilee CoverBora

• Premium: Starts at KSh 12,600/year (individual)

• Coverage: Inpatient (KSh 250K–500K), maternity, and pre-existing conditions.

• Best for: Budget-conscious individuals/families needing emergency coverage 15.

2. Britam Bima ya Mwananchi

• Premium: From KSh 4,600/year (individual) or KSh 14,200/year (family of 4).

• Coverage: Inpatient (KSh 75K–500K), outpatient, maternity, dental/optical.

• Best for: Low-income earners and families seeking basic yet comprehensive care 17.

3. AAR ShwAARi

• Premium: KSh 42,000/year (family of 4).

• Coverage: Single-limit cover for inpatient, outpatient, maternity, dental/optical (10% of outpatient limit).

• Best for: Families prioritizing simplicity and wide hospital access 1210.

4. Madison Betterlife

• Premium: KSh 67,692/year (family).

• Coverage: Inpatient (up to KSh 1.5M), outpatient (KSh 100K), maternity, dental/optical.

• Best for: Mid-income families balancing cost and value 1.

5. GA Insurance SME Economy Plan

• Premium: ~KSh 122,000/year.

• Coverage: Inpatient/outpatient, maternity (KSh 150K), dental/optical.

• Best for: SMEs or community groups needing collective coverage 1.

6. APA Afya Nafuu

• Premium: Starts at KSh 5,500/year (basic plan).

• Coverage: Inpatient (KSh 100K–1M), optional outpatient/maternity, chronic illness cover after 12 months.

• Best for: Flexible plans for low-to-middle-income families 810.

7. Old Mutual Afyaimara County

• Premium: From KSh 11,184/year (individual).

• Coverage: Inpatient (KSh 100K–1M), optional outpatient/maternity, overseas referrals.

• Best for: Families needing emergency evacuation support 310.

8. CIC Medisure

• Premium: Cooperative-based pricing.

• Coverage: Inpatient (up to KSh 5M), outpatient, chronic conditions, maternity.

• Best for: SACCO members or cooperatives 16.

9. Pacis Amani

• Premium: Community-adjusted rates.

• Coverage: Outpatient, dental, maternity, chronic/pre-existing conditions.

• Best for: Rural/faith-based communities 16.

10. First Assurance Basic Plan

• Premium: Affordable (exact rates vary).

• Coverage: Hospitalization, prescriptions, chronic conditions.

• Best for: No-frills inpatient security 1.

Key Considerations When Choosing :

• For emergencies only: Jubilee CoverBora.

• Full-family budget solution: AAR ShwAARi or Britam Bima ya Mwananchi.

• SMEs/SACCOs: CIC Medisure or GA SME Plan.

• Chronic conditions: APA Afya Nafuu (after 12-month waiting period).