Health Insurance Companies (private Comparison)

1. Health Insurance Companies (Private) – Law Simplified (Kenya) Private health insurance in Kenya is regulated by the Insurance Regulatory Authority (IRA) under the Insurance Act, Cap 487. Private health insurers offer inpatient, outpatient, maternity, dental, optical, and chronic illness cover. Top private insurers include: Jubilee Health AAR Insurance CIC Insurance Britam APA Insurance UAP Old Mutual Madison Insurance First Assurance Heritage Insurance These providers vary in terms of coverage, exclusions, premium cost, hospital network, pre-authorization, and chronic illness cover. 2. Procedure to Follow by Scenario Scenario Steps ✅ You’re seeking personal or family cover Compare plans online or via agent → Select cover (e.g., Bronze, Silver, Gold) → Submit application form and ID → Pay premium → Wait for activation 🏢 You’re registering a corporate health plan Request a corporate quote → Share employee details → Review benefits → Sign group cover agreement ♻️ You want to switch from NHIF or another insurer Terminate current plan (if required) → Submit new application before lapse → Request continuity clause (if chronically ill) 🧾 You need to claim reimbursement Visit accredited facility → Submit claim form, receipts, and medical report → Follow up via app/email/agent 🚫 Your insurer denies cover unfairly File a written complaint → Escalate to IRA if unresolved in 14 days 3. Required Documents For Application For Claims or Disputes National ID / Passport NHIF card (optional) PIN certificate Medical report / invoices Passport-size...