International Health Insurance for Kenya

Key Takeaways

• Recognise the significance of securing international health insurance while residing or travelling outside Kenya.
• Gain an understanding of the varied plans offered by international health insurance Kenya, including individual and corporate covers.
• Identify key features that matter when choosing a health insurance plan, such as inpatient and outpatient coverage.
• Consider the inclusion and restrictions regarding pre-existing conditions and the waiting period for certain benefits.
• Take note of the advantages of indemnity plans, which allow you to select your preferred healthcare service providers.
• Review and comprehend insurance policy documents carefully to understand all the terms and conditions of your contract.

Choosing the Right International Health Insurance Provider

When you’re on the hunt for the best medical insurance, it’s essential to understand that an international health insurance provider in Kenya does more than just offer a safety net; it becomes your partner in navigating health systems wherever you are. With various options available, it’s vital to consider a provider that offers comprehensive international cover, ensuring peace of mind during international travel or extended stays abroad.

Understanding the healthcare landscape in Kenya through reports like the Economic Survey of 2019 gives context to the crucial role played by these providers. The survey, conducted by the Kenya National Bureau of Statistics, highlights the economic influences shaping the healthcare sector, which directly affects the quality and accessibility of medical care.

Moreover, the Kenya Demographic and Health Survey of 2014 provides valuable insights into the health demographics, aiding you to make an informed decision on the type of cover that suits your, or your family’s, health needs.

Findings from Mulupi, Kirigia, and Chuma in 2013 delve into community perceptions of health insurance, underscoring the importance of universal health coverage reforms that resonate with citizens‘ preferences. This research can be reflective of the expectations Kenyans have from an international health insurance provider.

Martijn et al.’s 2017 research presents a stark reminder that your insurance status can significantly impact your access to necessary treatments, even for critical conditions like paediatric non-Hodgkin’s lymphoma. This is a poignant illustration of why securing the best medical insurance is not just a precaution but a critical component of safeguarding your health.

In Ghana, a related study by Kotoh, Aryeetey, and van der Geest in 2018 can shed light on the dynamics of health insurance ownership, factors that are likely comparable in Kenya. Their findings on enrolment and retention in health schemes stress the importance of stability and reliability with your chosen provider.

Barasa, Mwaura, Rogo, and Andrawes in 2017 explored the extension of voluntary health insurance to the informal sector in Kenya, offering a glimpse into the expectations of informal sector workers and the adaptability of health insurance providers to meet diverse needs.

• Look for a provider that acknowledges comprehensive international cover and aligns their services with global healthcare standards.
• Consider a provider known for reliability and trusted by a broad demographic, signifying their ability to cater to diverse medical needs.
• Evaluate the network size of affiliated medical service providers to ensure you have access to quality care, no matter where you find yourself.

By thoroughly considering these aspects, you’re better positioned to select an international health insurance provider in Kenya that resonates with your need for reliable, comprehensive medical protection.

International Health Insurance Kenya: Plans Tailored for Families

As you navigate the quest for reliable family health insurance in Kenya, understanding the intricacies of the available plans is paramount. With Kenya’s ranking at 140th in the World Health Organization’s efficiency scale, the decision to opt for an international health cover becomes a pragmatic one, especially when considering the shortage of healthcare professionals and the high cost of private care.

Finding a Family Health Plan That Meets Your Needs

Selecting the right family health plan involves assessing your family’s healthcare needs against the backdrop of locally available services. International citizens in Kenya often experience significant waiting times for treatment due to a serious shortage of physicians. Here, an international health cover not only minimises this inconvenience but also opens doors to global healthcare access, should you require specialised treatment abroad. Online services like mDaktari and My Health Africa are also valuable resources that ease the burden by providing remote consultations.

International Providers Offering Comprehensive Family Benefits

Providers such as Now Health International shine with their widespread network, covering over 1 million medical facilities and physicians globally, coupled with 24/7 customer care. This robust international health cover means that whether you’re in Kenya facing potential health risks such as malaria or abroad, your family’s health is safeguarded. Preventive measures for diseases and vaccinations, such as for yellow fever, become more accessible and manageable under such comprehensive family health plans.

By choosing an international health cover, you are not just investing in a family health plan but also ensuring peace of mind that health challenges, wherever and whenever they occur, can be handled effectively and without delay.

Corporate Health Insurance Solutions for Businesses in Kenya

In the realms of commerce and industry, it’s essential for Kenyan businesses, as well as those employing expatriates, to recognise the significance of robust business health insurance Kenya. These customised health insurance solutions ensure the welfare of employees and their dependents, creating a secure and supportive working environment. International health insurance companies operating within the nation’s bounds are at the forefront of offering these indispensable services, which prove to be valuable assets for both employers and employees alike.

Customised Health Cover for Kenyan and Expat Employees

Designed with precision to meet diverse corporate needs, these corporate health cover plans illustrate a commitment to employee welfare—one that transcends basic obligations. More so, studies have showcased how enrollment in health insurance is linked to a reduction in mortality, an aspect keenly relevant to Kenya. With higher chronic illnesses and out-of-pocket expenditures among the insured population, the demand for refined policies becomes evident, reinforcing the value of such customised plans within the corporate sphere.

Insurance Companies Offering the Best Corporate Packages

When navigating through the options for employee health insurance plans, it’s crucial to consider not only the level of care but also the impact of insurance on health outcomes. While private health insurance has paralleled improved health results in various demographics internationally, regional disparities and chronic disease prevalence in Kenya call for minimal cost-sharing, especially amongst the most vulnerable groups. By integrating such considerations, Kenyan companies can ensure they are aligned with global strides towards achieving Universal Health Coverage goals and the Sustainable Development Goals.

FAQ

What is international health insurance in Kenya?

International health insurance in Kenya refers to health policies that offer comprehensive cover for Kenyans living or travelling abroad. These insurances typically come with a wide network of medical practitioners and healthcare facilities worldwide, providing protection against sudden illnesses or injuries that might occur while you’re away from home.

Why do expatriates and travellers need robust health cover in Kenya?

Expatriates and travellers in Kenya need robust health cover due to the country’s healthcare system, which ranks at 140 for efficiency by the World Health Organization. Private international health insurance ensures access to timely and comprehensive care, which might otherwise be unavailable or inaccessible through the public health system.

What should you consider when choosing an international health insurance provider in Kenya?

When choosing an international health insurance provider in Kenya, consider factors such as the size of the provider’s medical network, affordability, and the range of medical services covered. Look for providers that offer single limit health covers and cater to all age groups, ensuring that you select the best medical insurance for your specific needs.

What are the benefits of family health insurance plans in Kenya?

Family health insurance plans in Kenya offer a range of benefits, including various levels of cover to align with your family’s healthcare needs and budget. Plans may include in-patient only or more comprehensive options covering in and out-patient services. They provide peace of mind by ensuring that your family can access quality healthcare globally.

How can businesses in Kenya benefit from corporate health insurance solutions?

Businesses in Kenya, including those with expatriate employees, can benefit from corporate health insurance solutions by enhancing the healthcare benefits they offer. Tailored corporate packages can include essential health services suitable for the size and needs of the business, nurturing employee well-being and supporting corporate welfare programmes.

Are there any international health insurance providers known for family cover in Kenya?

Yes, international health insurance providers such as Bupa and Cigna Global Insurance Plan are known for their family cover offerings in Kenya. They provide comprehensive benefits tailored specifically to meet the needs of families ensuring global healthcare access and the well-being of loved ones.

Which companies offer customised health cover for businesses in Kenya?

Companies like AAR offer customised health covers for Kenyan businesses. These bespoke corporate packages are suitable for a wide range of companies, addressing the health insurance needs of both small family-owned businesses and large corporations, covering employees and their dependants.

Can independent travellers find suitable international health insurance in Kenya?

Absolutely. Independent travellers can find suitable international health insurance plans that cater to their unique needs while abroad. These plans are often flexible, providing essential medical cover, and can be customised to include additional protections such as emergency evacuation and repatriation.

What kind of coverage should you expect with international health insurance?

With international health insurance, you should expect a wide range of coverage options, from basic emergency treatment to comprehensive plans including routine check-ups, dental care, maternity services, and more. Always check the specifics with your provider, as coverage can vary greatly between plans.

International Health Insurance Provider

• Aetna
• Allianz Worldwide Care
• April International
• AXA
• BCBS
• Bupa
• Cigna
• Dr-Walter
• Foyer
• Freedom Health Insurance
• Mawista
• McGill
• Morgan Price

International Health Insurance by Place of Residence

• Australia
• Bangladesh
• Belgium
• British Columbia
• Canada
• Colombia
• Denmark
• Dubai
• Egypt
• Europe
• Germany
• Ghana
• India
• Indonesia
• Ireland
• Italy
• Jamaica
• Japan
• Kenya
• Netherlands
• New Zealand
• Nigeria
• Malaysia
• Mexico
• Pakistan
• Philippines
• Qatar
• Saudi Arabia
• Singapore
• South Africa
• Spain
• Sri Lanka
• Sweden
• Switzerland
• Thailand
• Turkey
• United Kingdom
• USA
• Vietnam
• Zimbabwe

Everything you need to know about international health insurance