Myths and facts about health insurance in Kenya

Feb 1, 2023

Health insurance is a type of insurance that covers the cost of medical bills. It is intended to lessen the financial strain of unforeseen medical costs and assist people and families in paying for healthcare.

What is true and what is a misconception regarding health insurance in Kenya?


1. Health insurance is not compulsory in Kenya.

2. Health insurance policies can be bought  from insurance companies or brokers.

3. Health insurance policies have different levels of coverage, including inpatient, outpatient, and comprehensive coverage.

4. Health insurance can help cover the cost of medical treatments, including surgeries, hospital stays and prescription drugs.


1. Health insurance is overpriced and not worth it.

2. If you’re young and healthy, you don’t require health insurance.

3. Health insurance policies only cover treatment in government hospitals.

4. Pre-existing conditions are not covered by health insurance policies


Although health insurance is not mandatory in Kenya, it can be a crucial shield against the high cost of medical care for you and your family. Furthermore, a variety of insurance providers and brokers provide health insurance plans that offer inpatient, outpatient, and comprehensive coverage, among other levels of coverage.

Even while health insurance can be pricey, it will ultimately help you save a lot of money. In addition, a lot of insurance providers provide promotions and discounts that might help you save money on your insurance.

Additionally, health insurance plans typically pay for medical services in both public and private institutions, and some plans also cover additional healthcare-related costs including prescription medications and diagnostic testing.

Last but not least, many health insurance plans in Kenya cover pre-existing conditions, but it’s essential to read the terms and conditions of the policy to be certain. It is important to compare and research several health insurance plans before selecting the one that best suits your requirements and budget.


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