Old Mutual Medical Cover Packages and Prices 2026

Old Mutual's medical plans all sit under one name: AfyaImara. There are four main versions, from a budget plan to a 20M executive plan, plus one for seniors.

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

How to read these prices:

• Every price is an annual premium in KSh, computed from Old Mutual'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

• The AfyaImara Plans at a Glance
• AfyaImara County Prices
• AfyaImara Family Prices
• AfyaImara Executive Prices
• AfyaImara Seniors (Ages 65 to 80)
• Who Old Mutual Suits
• Compare Old Mutual With Other Insurers
• Next Steps

The AfyaImara Plans at a Glance

• AfyaImara County: the budget plan. Hospital limits of 100K to 1M. Main member aged 19 to 65.
• AfyaImara Family: the main family plan. Limits of 500K to 10M. Main member aged 19 to 65.
• AfyaImara Executive: high-end cover at 10M or 20M.
• AfyaImara Seniors: for ages 65 to 80.
• AfyaImara Junior: for children covered on their own.

One feature runs through County and Family: outpatient is one shared limit for the whole family. That makes outpatient much cheaper to add for a family than on plans that charge it per person.

AfyaImara County Prices

The cheapest way into Old Mutual. Outpatient options are 25K, 40K or 50K, shared by the family. Prices below use 25K.

Hospital only:

With 25K shared outpatient:

KSh per year. Couple is aged 35 and 33. Family of 4 is that couple with kids aged 5 and 8.

Things to know about County:

• Option 1 (100K) only allows the 25K outpatient option. Option 2 allows up to 40K.
• Maternity is included at no extra premium on Options 2 to 4, capped at KSh 30K, 40K and 50K. Option 1 has none.
• With the 50K outpatient option, dental and optical are included up to KSh 10K.
• There's a KSh 200 co-pay on each outpatient visit.

AfyaImara Family Prices

Outpatient options here are 50K, 60K, 100K, 150K or 200K, shared by the family. Prices below use 50K.

Hospital only:

With 50K shared outpatient:

KSh per year.

See the shared outpatient at work. On Option I, outpatient adds about KSh 33,000 for a single person, but only about KSh 49,000 for a family of four. Four people, not much more than one.

Two rules from the brochure: Options I and II can buy outpatient up to 60K, and Option III up to 100K. Options IV and V can take any outpatient option.

What else AfyaImara Family carries:

• Maternity included at no extra premium: KSh 50K on Option I, rising to KSh 200K on Option V.
• Critical illness lump sum of KSh 750K per family. It stops at 65.
• Pre-existing and chronic conditions: KSh 250K to 1M, after a one-year wait.
• Newly chronic conditions: up to KSh 3.5M, after a 28-day wait.
• Dental and optical included (10K to 15K) when you pick 100K outpatient or more.

AfyaImara Executive Prices

For people who want very large limits. Outpatient is fixed to the option.

KSh per year, including outpatient. Hospital only: KSh 233,056 and KSh 271,366 for the single 30-year-old.

It includes maternity of KSh 400K to 600K, last expense of KSh 300K to 350K, and a wellness benefit (a 50K checkup plus 25K for dental and optical).

Honestly, it's a lot of money. For most families, AfyaImara Family Option V gives 10M of hospital cover for a fraction of the price.

AfyaImara Seniors (Ages 65 to 80)

Prices for one parent aged 70, covered alone. Outpatient options are 100K, 150K or 200K. Prices below use 100K.

KSh per year.

The big plus: lifetime renewal once enrolled. It also covers pre-existing and chronic conditions (KSh 250K to 1M, after a one-year wait), last expense of KSh 75K to 150K, and overseas referral for treatment not available locally.

It's not cheap. For a 70-year-old, compare it with AAR Seniors CAARe, Jubilee J Senior and APA Jamii Plus before you decide.

Who Old Mutual Suits

A good fit if you want:

• Outpatient for the whole family without paying per person (County and Family)
• Maternity included in the price, not as an add-on
• A seniors plan you can renew for life

Look elsewhere if:

• You're a single person who only wants hospital cover. At the same limit, other insurers usually cost less.

Compare Old Mutual 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 Heritage.

Next Steps

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

If AfyaImara 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.