Get insurance coverage even with pre-existing medical conditions. Specialized plans for diabetes, hypertension, and other chronic conditions.
Having a pre-existing medical condition shouldn't prevent you from getting insurance. Special plans are available for people with ongoing health conditions.
I believe everyone deserves access to healthcare, regardless of their medical history. While coverage for pre-existing conditions may have waiting periods, it's still possible.
Let me help you find insurers who offer coverage for your specific condition and guide you through the application process.
A pre-existing condition is any medical condition that existed before your insurance policy began. This includes chronic diseases, ongoing treatments, or any health issue diagnosed before enrollment.
These are the most commonly covered pre-existing conditions by Kenyan insurers:
Type 1 & Type 2 diabetes management and medication
High blood pressure control and monitoring
Cardiac conditions and cardiovascular care
Joint pain and rheumatoid arthritis treatment
Respiratory management and emergency care
Hormonal imbalance management
Follow-up care and remission monitoring
Chronic kidney care and dialysis support
Most Kenyan insurers impose waiting periods before covering pre-existing conditions. This is a standard practice to manage risk.
Standard waiting period for most pre-existing conditions
Extended waiting for serious conditions like cancer, heart disease
Some insurers offer immediate coverage for minor conditions or on premium plans
After the waiting period expires, the condition is treated like any other covered condition with full benefits.
Complete honesty during the application process is crucial. Failing to disclose pre-existing conditions can result in claim denial.
Full disclosure helps insurers assess risk accurately and offer appropriate coverage terms.
Many reputable Kenyan insurers have dedicated plans for individuals with pre-existing conditions:
Premium loading is the additional cost charged due to pre-existing conditions. The amount varies based on condition severity and age.
Minor conditions like mild hypertension, controlled asthma
Diabetes, arthritis, thyroid disorders
Heart disease, kidney disease, cancer history
Note: Some insurers may decline coverage or offer limited benefits for very severe conditions. Always compare quotes from multiple insurers.
Having insurance coverage for your pre-existing condition helps you manage it effectively and affordably.
Here's a step-by-step guide to secure insurance coverage despite having pre-existing conditions:
Collect all relevant medical documents, test results, and treatment history
Identify insurers known for covering pre-existing conditions and compare plans
Complete the health declaration form honestly, listing all conditions and medications
Undergo underwriting process; insurers may request additional medical details
Review waiting periods, exclusions, premium loading, and coverage limits carefully
Select a plan that fits your budget and health needs, then proceed with enrollment
Premium loading varies by condition severity and insurer. Many plans offer affordable options. Compare multiple insurers for best rates.
Yes, but pre-existing conditions usually have waiting periods (6-24 months). Some premium plans offer no waiting period options.
Non-disclosure can result in claim rejection and policy cancellation. Always be truthful during application.
Yes, but new insurers will treat it as pre-existing and apply new waiting periods and premium loading.
During the waiting period, claims related to pre-existing conditions are not covered. Emergency care may be an exception. Review your policy terms.
Yes! Most insurers offer family plans that accommodate members with pre-existing conditions. Premium loading applies to you, not the whole family.
These practical tips will help you secure better insurance coverage for your pre-existing condition:
Get personalized insurance advice and find the perfect coverage for your needs.