Comprehensive emergency medical coverage including ambulance services, emergency room treatment, and critical care. Protection when every second counts.
Medical emergencies don't wait for convenient times. Emergency medical cover ensures you get immediate care when you need it most.
A medical emergency is a serious and potentially life-threatening situation requiring immediate medical intervention.
Your emergency medical cover includes comprehensive services from the moment you experience a medical crisis.
24/7 emergency transport with trained paramedics and life support equipment
Initial assessment, stabilization, and emergency treatment
Critical care with continuous monitoring and specialist support
Life-saving surgical procedures without waiting periods
CT scans, X-rays, blood tests, and imaging required for diagnosis
Life-saving drugs and emergency medications during treatment
Instant access to medical professionals ready to help during emergencies at any time, day or night.
Call immediately for life-threatening emergencies. Operators will assess your condition and dispatch emergency services.
Available 24/7 to verify coverage, find nearest hospitals, and coordinate emergency response
Speak with qualified nurses who can provide first aid guidance and determine urgency levels
Ambulance typically arrives within 15-30 minutes in urban areas. Emergency support activated immediately upon call.
Medical emergencies can be financially devastating without proper coverage. Here are typical costs you may face:
Without Insurance: A severe emergency requiring ICU care and surgery could easily cost KES 200,000 - 1,000,000+. Emergency cover ensures you receive care based on your policy limits.
When local facilities cannot provide necessary care, emergency evacuation ensures you reach advanced treatment options.
Transport to Nairobi or other major hospitals for specialized emergency care not available locally
Helicopter or fixed-wing aircraft evacuation for critical cases requiring rapid transport
Coverage for emergency transport to specialized centers in East Africa or internationally for complex cases
Provisions for a family member to accompany patient during evacuation, including accommodation
Understanding the authorization process ensures you receive seamless coverage without delays during critical situations.
Pro Tip: Keep your policy details and insurance customer service number readily accessible. In emergencies, inform the hospital staff of your coverage immediately.
Access to a network of accredited hospitals ensures quality emergency care throughout Kenya.
Network Hospitals Include:
See how emergency medical cover helps in real-world situations:
Severe head trauma and broken bones. Ambulance arrives within 20 minutes. ER stabilization, CT scans, emergency surgery - all covered. Total cost prevented: KES 250,000+. Patient fully recovers with proper emergency care.
Sudden chest pain at home. Emergency helpline called, ambulance with paramedics arrive. Hospital ER provides immediate ECG and medication. Admitted to ICU for monitoring. Cost prevented: KES 150,000+. Emergency interventions save life.
Home cooking accident causes second-degree burns. Immediate emergency care, specialized burn ward treatment, daily dressings, medication - all covered. Extended ICU stay covered. Cost prevented: KES 300,000+. Comprehensive emergency response.
Severe allergic reaction with breathing difficulty. Immediate epinephrine, antihistamines, and airway management. 24/7 emergency helpline guidance. Cost prevented: KES 30,000+. Quick emergency response prevents death.
What happens if I go to a non-network hospital?
Coverage may be available but with reduced reimbursement (70-80%). For true emergencies where network hospitals aren't accessible, coverage is typically maintained.
Is there a waiting period for emergency cover?
Medical emergencies are typically covered from day one. However, some conditions require a waiting period if they're pre-existing.
What's the maximum emergency cover limit?
Coverage limits vary by plan (typically KES 500,000 - 5,000,000+). Check your policy document or contact your provider for specific limits.
Do I need to call insurance before going to ER?
In true life-threatening emergencies, seek treatment immediately. Inform the hospital of your coverage, and notify insurance within 24-48 hours.
Are pre-existing conditions covered in emergencies?
If a pre-existing condition becomes an emergency (e.g., diabetic ketoacidosis), it's typically covered. Clarify with your provider beforehand.
Prepare yourself and your family for emergencies to ensure optimal outcomes:
Remember: In emergencies, every second counts. Your insurance is there to ensure you get immediate care without worrying about costs. Don't hesitate to call for help.
In medical emergencies, time is critical. Emergency cover ensures you receive immediate treatment without worrying about upfront costs.
Many emergency policies also include helpline services that can guide you to the nearest hospital or coordinate your care.
Emergency medical cover is not luxury—it's essential protection. Don't let financial concerns delay your treatment when every moment matters. Get comprehensive emergency coverage today and face whatever comes with confidence.
Get personalized insurance advice and find the perfect coverage for your needs.