APA Health Insurance Packages and Prices 2026 (KSh)

APA's main medical plan for individuals and families is Jamii Plus. One plan, six levels, and cover that runs all the way to age 80.

Here's what it really costs. I ran APA's published rates through the quote engine behind my calculator for four real-life profiles.

How to read these prices:

• Every price is an annual premium in KSh, computed from APA's published rates.
• Each includes the 0.45% training levy and KSh 40 stamp duty.
• Each table says exactly who it's for.
• Your final price depends on underwriting: your health, your history, and any rate changes. Use these as a starting point, not a final quote.

Table of Contents

• How Jamii Plus Works
• Jamii Plus Prices (Single, Age 30)
• Jamii Plus for a Couple or Family
• Jamii Plus for a Parent (Age 70)
• What Jamii Plus Covers
• Who APA Suits
• Compare APA With Other Insurers
• Next Steps

How Jamii Plus Works

• Who: main member and spouse aged 21 to 80, children up to 20.
• Hospital limits: Classic 500K, Premier 1M, Advanced 2M, Executive 3M, Royal 5M, Prestige 10M.
• Outpatient: you choose it freely: 50K, 75K, 100K, 150K or 200K. It's priced per person, by age.
• Maternity: an optional add-on, priced once for the mother, with limits of 50K, 100K or 150K.
• Dental and optical: optional add-ons, per person.

That free choice of outpatient is the big difference from AAR and Jubilee, which fix outpatient to the plan. On APA you can buy a big hospital limit with a small outpatient limit.

All "with outpatient" prices below use the smallest option, 50K.

Jamii Plus Prices (Single, Age 30)

KSh per year, for one person aged 30.

In monthly terms, Classic hospital-only works out to about KSh 1,628 a month. Executive with 50K outpatient is about KSh 4,905.

Look at the middle. Going from 2M to 5M of hospital cover adds under KSh 7,000 a year. If you can stretch past Classic, the bigger limits are cheap.

Jamii Plus for a Couple or Family

Prices for a couple aged 35 and 33, and the same couple with two kids aged 5 and 8.

Hospital only:

With 50K outpatient each:

KSh per year.

The spouse is priced lower than the main member on Jamii Plus, which helps couples. Outpatient is per person, so each child adds to the outpatient bill.

Jamii Plus for a Parent (Age 70)

This is where APA stands out. Most insurers move older clients onto a separate seniors plan. Jamii Plus just keeps going, up to age 80.

Prices for one parent aged 70, covered alone:

KSh per year.

One limit to know: from age 76 to 80, APA's rate book only prices the main member up to the 1M level. Above that, there's no rate.

What Jamii Plus Covers

From APA's rate book:

• Pre-existing and chronic conditions: KSh 200K to 1M, after a 12-month wait.
• Newly chronic conditions: KSh 250K to 2M, after a three-month wait.
• Funeral benefit: KSh 50K to 150K.
• Treatment in India on referral.

APA also sells Jamii Plus Child Only for children covered on their own, with the same benefits.

Read your policy's schedule of benefits before you sign. It's the final word.

Who APA Suits

A good fit if you want:

• A big hospital limit with a small outpatient limit
• One plan that keeps covering you up to 80, with no switch to a seniors product
• Cover for a parent aged 65 to 75 at the higher limits

Look elsewhere if:

• You want the cheapest possible hospital-only cover for one young person. Check AAR and Heritage first.

Compare APA With Other Insurers

• Run your exact ages through my health insurance calculator. It shows a price range for free, and a KSh 100 M-Pesa unlock shows every insurer side by side.
• Already paying SHA? Read the best private insurance to top up SHA.
• See the same breakdown for AAR, Jubilee, Old Mutual and Heritage.

Next Steps

I'm Keryl, a licensed insurance agent (IRA/05/50004/2026). Every price here comes from APA's own rates.

If Jamii Plus fits, run the calculator and I'll go through it with you. Underwriting can move the final price, so get the exact quote before you commit.