Find affordable medical and last expense insurance that fits your budget. Get quality coverage without breaking the bank. Compare affordable insurance options today.
Quality insurance doesn't have to break the bank. I'll help you find comprehensive coverage that fits your budget and lifestyle.
Choose from a variety of affordable insurance options designed for different needs and budgets:
Starting from KSh 1,200/month - Covers outpatient and inpatient care
From KSh 500/month - Protects your family from funeral expenses
Starting at KSh 800/month - Financial security for loved ones
From KSh 600/month - Coverage for injury or disability
Micro-insurance products specifically designed for low-income earners with premiums as low as KSh 50 per week:
Choose a payment schedule that matches your income flow and budget:
Most popular option - spread costs evenly
Best for salaried employees
Save up to 5% on annual premiums
Good for seasonal income
Save 10-15% with upfront payment
Best value for money
Micro-insurance with daily deductions
Perfect for informal sector
Save significantly by combining multiple insurance products:
Practical strategies to lower your insurance costs without sacrificing coverage:
NHIF/Medical Insurance - Critical for healthcare access
Funeral Cover - Protects family from debt
Life Insurance (if dependents) - Income replacement
Dental & Vision - Add if budget allows (KSh 300-500/mo)
Critical Illness Rider - Extra protection (KSh 400-800/mo)
Maternity Cover - Only if planning family (KSh 1,000-2,000/mo)
Prioritize coverage based on where you are in life:
Priority: NHIF/Basic Medical + Personal Accident
Budget: KSh 1,000-2,000/month
Priority: Family Medical + Life Insurance + Funeral Cover
Budget: KSh 3,500-6,000/month
Priority: Comprehensive Medical + Life + Education Insurance
Budget: KSh 5,000-10,000/month
Priority: Enhanced Medical + Last Expense + Critical Illness
Budget: KSh 4,000-8,000/month
Actual pricing examples to help you budget effectively:
KSh 500/month
Basic outpatient & inpatient cover
KSh 500-1,500/month
Cover: KSh 100,000-300,000
KSh 1,200-5,000/month
Individual: KSh 200,000-1M annual limit
KSh 800-3,000/month
Cover: KSh 500,000-2M
KSh 600-1,500/month
Cover: KSh 1M-3M
KSh 3,500-12,000/month
2 adults + 4 children coverage
Access better rates through group schemes:
See how others budget for insurance protection:
Income: KSh 40,000/month | Insurance Budget: 5% = KSh 2,000
Income: KSh 80,000/month | Insurance Budget: 7% = KSh 5,600
Income: KSh 25,000/month | Insurance Budget: 4% = KSh 1,000
At minimum, get NHIF (KSh 500/month) and basic funeral cover (KSh 300-500/month). This provides essential healthcare access and protects your family from funeral debt.
Yes! Start with NHIF (KSh 500) and micro funeral cover (KSh 300). That's only KSh 800/month or 4% of your income. Add more coverage as your income grows.
Aim for 5-10% of monthly income. Lower earners can start at 3-5%, while families with dependents should target 7-12% for adequate protection.
Reputable insurers have transparent pricing. Watch for: policy fees (usually KSh 500-1,000 annually), co-payments (10-20% of bills), and exclusions. Always read your policy document.
Yes, most insurers allow upgrades anytime (may require medical exam). Downgrades typically happen at renewal. Some charge adjustment fees of KSh 500-1,000.
Expert strategies to maximize value and minimize costs:
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Explore our main insurance pillars
Comprehensive health insurance solutions in Kenya, from basic medical cover to specialized family plans, maternity insurance, and SHA/NHIF top-ups.
Protect your family's financial future with life insurance in Kenya. From last expense insurance and funeral cover to term life and whole life policies.
Complete motor vehicle insurance coverage in Kenya - comprehensive car insurance, third party cover, and commercial vehicle protection. Get the best rates and coverage.