Who Offers the Best Value?
Kenya’s private health insurance market in 2025 is more competitive, digital, and consumer-focused than ever. With the rollout of SHIF as the new public health scheme, private insurers have responded by enhancing their coverage limits, claims efficiency, and digital platforms to offer better value to individuals, families, and SMEs.
This guide compares six leading providers—Britam, Jubilee, AAR, APA, Old Mutual, and CIC—across premiums, claims processing, and digital access, helping you choose the best fit for your health needs and budget.
1. Britam Insurance
Overview
Britam offers tiered health plans under the Milele Health brand, including Essential, Premier, and Advantage packages. It’s known for lifetime coverage, telemedicine, and international referrals.
Premiums
- Individual: From KSh 8,127/year
- Family: From KSh 18,000/year
- Children’s standalone cover available
Claims & Coverage
- Inpatient limits: KSh 300K–10M
- Covers pre-existing conditions (Advantage plan)
- Includes accident, funeral, and critical illness benefits
Digital Access
- Britam Connect App: Policy management, claims tracking, hospital locator
- Telemedicine and online pharmacy integration
2. Jubilee Insurance
Overview
Jubilee is Kenya’s largest insurer by market share, offering J-Care, J-Seniors, and J-Care Johari plans. It’s praised for claims reliability and family-friendly packages.
Premiums
- Individual: From KSh 3,200/month
- Family: From KSh 51,000/year
- Corporate plans available for 10+ employees
Claims & Coverage
- Inpatient limits: Up to KSh 10M
- Dental and optical: Up to KSh 50,000
- Chronic disease management included
Digital Access
- Mobile app with Lipa Pole Pole payment integration
- Real-time claims tracking and hospital network access
3. AAR Insurance
Overview
AAR specializes in health insurance, offering Cover Me, Bronze, Silver, Gold, and Platinum plans. It leads in outpatient care, telemedicine, and wellness programs.
Premiums
- Individual: From KSh 2,500/month
- Family: From KSh 42,000/year
- SME packages available
Claims & Coverage
- Inpatient limits: Up to KSh 20M
- Maternity, dental, and optical included
- Fast claims approval via digital platform
Digital Access
- Online portal and mobile app
- 24/7 doctor consultations and wellness tracking
4. APA Insurance
Overview
APA offers Jamii Plus and Afya Nafuu plans, focusing on budget-conscious clients and farmers. It’s also a leader in motor and agricultural insurance.
Premiums
- Individual: From KSh 2,800/month
- Family: Varies by plan and age
- Group plans for cooperatives and agribusinesses
Claims & Coverage
- Inpatient limits: Up to KSh 5M
- Low co-payments at tier 1 hospitals
- Includes emergency response via APA Rescue
Digital Access
- Web-based claims portal
- SMS alerts and WhatsApp support
5. Old Mutual
Overview
Old Mutual offers Afya Imara and Life Assurance plans, with a focus on long-term health, retirement, and critical illness cover.
Premiums
- Individual: From KSh 4,000/month
- Family: Custom quotes based on age and coverage
- No-claim discounts after 3 years
Claims & Coverage
- Critical illness cover: Up to KSh 750,000
- Includes dental, optical, and mental health
- Strong pension and education integration
Digital Access
- Online portal for policy management
- Financial planning tools and calculators
6. CIC Insurance
Overview
CIC is a cooperative insurer offering Medisure, Seniors Mediplan, and microinsurance for low-income groups. It’s popular among farmers, SACCOs, and rural communities.
Premiums
- Individual: From KSh 2,800/month
- Seniors: From KSh 5,000/month
- Family: Six tiers from KSh 300K to KSh 5M coverage
Claims & Coverage
- Covers chronic and congenital conditions
- Organ transplant and geriatric care included
- Daycare surgery and diagnostics covered
Digital Access
- Online portal and mobile-friendly forms
- Community onboarding via SACCOs and cooperatives
Final Comparison Table
| Provider | Starting Premium | Inpatient Limit | Dental/Optical | Digital Access | Best For |
|---|---|---|---|---|---|
| Britam | KSh 8,127/year | Up to KSh 10M | Yes | App + Telemedicine | Families, tech-savvy users |
| Jubilee | KSh 3,200/month | Up to KSh 10M | Yes | App + Lipa Pole Pole | SMEs, seniors, chronic care |
| AAR | KSh 2,500/month | Up to KSh 20M | Yes | App + 24/7 consults | Young professionals, wellness |
| APA | KSh 2,800/month | Up to KSh 5M | Limited | Portal + SMS/WhatsApp | Farmers, budget-conscious clients |
| Old Mutual | KSh 4,000/month | Varies | Yes | Portal + Planning Tools | Retirees, long-term planners |
| CIC | KSh 2,800/month | Up to KSh 5M | Yes | Portal + SACCO access | Cooperatives, rural households |
Final Thoughts
In 2025, Kenya’s private health insurers are offering more than just coverage—they’re delivering value through digital access, flexible premiums, and specialized care. Whether you’re a young professional, a retiree, or a SACCO member, there’s a plan tailored to your needs.
