Top Health Insurance Plans for Seniors in Kenya (2026 Market Review)

Several major insurers have developed products that are marketed specifically for the senior demographic. These plans are often designed to address common challenges like age limits and coverage for chronic conditions.

• Jubilee Insurance (J-Senior): As the market leader in health insurance, Jubilee offers the J-Senior plan. This plan is frequently recommended for seniors looking for comprehensive private cover.

• Britam (Milele Health Plan): Britam’s Milele plan is notable for welcoming pre-existing conditions. It offers several tiers (Advantage, Premier, Essential) and includes benefits like dental, optical, and telemedicine. The “Advantage” plan provides lifetime cover with annual renewal.

• Old Mutual (AfyaImara): As a major market player, Old Mutual offers the AfyaImara plan, which is recognized as a key option for senior medical cover in Kenya.

• Liberty & Heritage Insurance (HeriAfya Seniors): This product is specifically designed for adults aged 65 to 85. It offers comprehensive medical cover including specialist consultations, chronic condition management, and an extensive provider network.

• AAR Insurance (Seniors): AAR is a top-five health insurer and offers a dedicated “Seniors” plan.

• APA Insurance (Afya Nafuu): APA offers the Afya Nafuu plan, which is another option mentioned as a key private plan for seniors.

• CIC Insurance (Seniors): CIC also has a dedicated “Seniors” plan that is part of the recommended options for senior cover.

• Liaison Group (Senior’s Cover): This plan is designed for a very wide age range, covering individuals from 65 to 99.9 years old. It starts at an annual premium of KShs. 18,868, making it a potentially accessible option.

 Let ANNEX Insurance Agency Navigate for You

You don’t have to do it alone. As an independent insurance agency, ANNEX Insurance Agency works with ALL the health insurers listed above. We do the hard work for you—comparing quotes, analyzing benefits, and negotiating the best terms—so you get maximum value at the most competitive price.

Why choose ANNEX Insurance Agency?

• ✅ Unbiased, expert advice from certified professionals

• ✅ Access to exclusive rates and packages

• ✅ Personalized needs assessment and policy selection

• ✅ Full claims support and policy management

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