Afya Nafuu by APA Insurance: Your Simple Guide to Affordable Family Health Cover

April 9, 2026 No Comment

Afya Nafuu by APA Insurance — Simple Explainer

No jargon. Just the essentials.

What Is It?

Afya Nafuu = Affordable family health insurance from APA Insurance (Kenya).

✅ Covers hospital bills when you’re admitted
✅ Works for the whole family — babies (1 month+) to grandparents (up to 75 years)
✅ Pay once a year, get peace of mind all year

What You Get (Core Cover)

When you’re admitted to hospital, Afya Nafuu helps pay for:

🛏️ Bed & meals (general ward)
👨‍⚕️ Doctor & specialist fees
💊 Medicines & medical supplies
🔬 Tests: blood work, X-rays, scans
🏥 Surgery, ICU, and emergency care
🚑 Ambulance (local emergencies)
🏠 Home nursing (up to 30 days, if doctor recommends)
👨‍👩‍👧 Parent can stay with child under 8
🌍 Overseas treatment (if referred & pre-approved)

✨ Bonus: After 12 months, it also covers chronic conditions like diabetes, hypertension, and HIV/AIDS — if disclosed at sign-up.

Optional Add-Ons (Pay Extra)

Want more? You can add:

Add-On	What It Covers
🩺 Outpatient	Clinic visits, prescriptions, tests (no admission needed)
🤰 Maternity	Normal delivery or C-section (after 10-month wait)
🦷 Dental & Optical	Routine check-ups, glasses, dental work
⚠️ Extra Accident Cover	Higher payout for accidental injury/death

How Much Does It Cost? (Simple Guide)

Plan Level	Yearly Hospital Cover	Starting Price (Adult 21-40)
Basic	KSh 100,000	~KSh 8,900/year
Mid	KSh 300,000–500,000	~KSh 10,500–11,600/year
High	KSh 750,000–1,000,000	~KSh 13,500–16,300/year

🔹 Prices go up with age
🔹 Kids are cheaper than adults
🔹 Add-ons cost extra
🔹 Get a personalized quote from APA for exact pricing

Waiting Periods (When Coverage Starts)

Coverage	Wait Time
Accidents	✅ Day 1
Regular illness	30 days
Surgery (non-emergency)	90 days
Chronic conditions (diabetes, HIV, etc.)	12 months*
Maternity	10 months

Only if you disclosed the condition when joining

❌ What’s NOT Covered

Routine check-ups (unless you add outpatient)
Cosmetic surgery
Fertility treatments
Glasses/hearing aids (unless added)
Treatment by unlicensed practitioners
Injuries from drugs/alcohol or self-harm
War or nuclear incidents
Treatment abroad (unless pre-approved referral)

Why People Like It

Affordable entry point (~KSh 5,500/year for kids)
Whole family on one plan
Works at hundreds of hospitals across Kenya
Easy to buy & claim via phone/online
Backed by a strong, rated insurer (APA)

Ready to Get Covered? Contact Annex Insurance Agency

Let the experts help you choose the right plan — free advice, no obligation.

🤝 Annex Insurance Agency

Contact Method	Details
📱 Phone/WhatsApp	0724 547 669
✉️ Email	info@annexinsurance.co.ke
📍 Office	Bihi Tower, Moi Avenue, Nairobi
🌐 Website	www.annexinsurance.co.ke