CHILD ONLY HEALTH INSURANCE COVER EXPLAINED
What is Child-Only Insurance?
It is a health insurance policy that covers only a child. A parent or guardian buys it for the child, but the parent does not need to be insured themselves.
Think of it as a “kid-only” hospital plan.
Why Would Someone Buy This?
-
The parent already has their own insurance through work
-
The parent cannot afford insurance for themselves but wants to protect their child
-
The child needs better healthcare than the parent can pay for out of pocket
Who is it For?
| Age Range | Details |
|---|---|
| 30 days to 18 years | Standard age range |
| Up to 23–25 years | Some plans extend cover if the child is a full-time student |
What Does it Typically Cover?
| Benefit | What it Means |
|---|---|
| Inpatient | Hospital stays, surgery, ICU, doctors’ fees |
| Outpatient | Clinic visits, lab tests, medicines (often with a small co-payment) |
| Vaccinations | Routine immunizations for babies and young children |
| Dental & Optical | Basic tooth fillings, eye tests (sometimes an add-on) |
| Chronic conditions | Asthma, diabetes, epilepsy (may have waiting periods) |
What is NOT Covered?
-
Maternity / childbirth – that requires an adult policy
-
Cosmetic surgery
-
Experimental treatments
-
Injuries from dangerous sports (motocross, rugby, etc.)
How Much Does It Cost?
Prices vary based on:
-
The child’s age
-
How much cover you want (inpatient vs. outpatient)
-
Which hospitals you want access to
Typical range: From around KES 6,000 to KES 30,000 per year for basic to mid-level cover.
Lower-cost plans restrict you to certain hospitals. More expensive plans give you access to top private hospitals.
Important Things to Know
| Factor | What You Need to Check |
|---|---|
| Waiting periods | Some treatments (e.g., for existing conditions) are only covered after 3–12 months |
| Co-payments | You may pay a small fixed fee per visit (e.g., KES 500) |
| Hospital network | Not all plans work with all hospitals. Always check if your preferred hospital is included |
| Age limit | Cover stops at 18–25 years. After that, the child needs an adult policy |
In Simple Terms
Child-only cover is like a school uniform: you buy it specifically for the child, not for yourself. It ensures your child can see a doctor or stay in hospital without you paying the full bill from your pocket.
For More Information or to Get Covered
Contact Annex Insurance Agency
Phone: 0724547669
Email: info@annexinsirance.co.ke
Website: www.annexinsurance.co.ke
