Heritage Medical Cover Prices 2026: HeriAfya in KSh

Heritage's individual and family medical plan is called HeriAfya. It has ten options, from KSh 500K to 10M of hospital cover, and some of the lowest entry prices I quote.

Here's what each option costs. I ran Heritage's published rates through the quote engine behind my calculator for a single person, a couple and a family.

How to read these prices:

• Every price is an annual premium in KSh, computed from Heritage'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. Treat these as a starting point, not a final quote.

Table of Contents

• How HeriAfya Works
• HeriAfya Prices (Single, Age 30)
• HeriAfya for a Couple or Family
• What HeriAfya Covers
• What About Parents Over 65?
• Who Heritage Suits
• Compare Heritage With Other Insurers
• Next Steps

How HeriAfya Works

• Who: main member aged 18 to 65, children up to 18.
• Hospital cover is priced per person, by age. The first child costs more than each extra child.
• Outpatient is one shared limit for the whole family. Options run from 50K to 350K.
• Co-pay: KSh 500 to 1,000 per visit.
• Maternity: an optional add-on with one price for the whole family, limits from 50K to 350K.
• Dental and optical: optional add-ons, cheaper when you buy both together.

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

HeriAfya Prices (Single, Age 30)

KSh per year, for one person aged 30.

In monthly terms, Option 1 hospital-only works out to about KSh 1,133 a month.

Two things jump out:

• Option 1 is cheap. KSh 13,601 a year for 500K of hospital cover is among the lowest prices I see for a 30-year-old.
• Option 7 is the sweet spot. 3M of cover costs only KSh 339 more than 2.5M.

HeriAfya 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 shared outpatient:

KSh per year.

See the shared outpatient at work. On Option 1, 50K of outpatient adds about KSh 35,600 for a single person, and about KSh 48,400 for a family of four. For one person that's a steep add-on. For a family it's good value.

What HeriAfya Covers

From Heritage's rate book:

• Ward cover in hospital.
• Pre-existing conditions: up to KSh 300K.
• Newly chronic conditions: up to KSh 350K.
• Cancer: KSh 250K, after a two-year wait.

Those chronic and cancer limits are lower than some rivals. If someone in your family already has a chronic condition, compare carefully.

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

What About Parents Over 65?

HeriAfya takes main members up to 65, and I have no Heritage seniors plan in my rate book. For a parent over 65, look at:

• AAR Seniors CAARe (65 to 85)
• Jubilee J Senior (65 to 79)
• APA Jamii Plus (up to 80)
• Old Mutual AfyaImara Seniors (65 to 80)

Who Heritage Suits

A good fit if you want:

• Cheap hospital-only cover as a young single
• Outpatient for a whole family without paying per person
• A wide choice of limits (ten options)

Look elsewhere if:

• You need high cover for chronic illness or cancer.
• You're over 65.

Compare Heritage 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, APA and Old Mutual.

Next Steps

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

If HeriAfya looks right, run the calculator and I'll go through the options with you. Underwriting can move the final price, so get the exact quote before you commit.