Discover the best Health Insurance in Kenya

Compare over 38 underwriters online and find the best health insurance for you and your family. Fast, objective support you can trust.

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Welcome to Money254 - your simple way to compare financial products online.

At Money254, we're dedicated to helping you find the right loans and insurance products for your business or personal needs. We have partnered with mTek to make it easy to compare car, health and life insurance policies from 38 underwriters. Download the mTek app to compare and apply today.

We've helped over 7,500 people find the right financial products

Money254 is your partner to help you make the right money decisions. Compare and apply for loans, savings and insurance products from leading providers online.

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How it works

We help you find the right insurance product in under five minutes.


Download the mTek App

Download the mTek app today and complete the sign-up policy to compare a wider range of insurance policies from 38 underwriters.


Choose a Policy that works for you

Compare policies on the details that matter to you.


Pay for the Policy directly from the App

Found a policy? Choose a payment plan and pay directly in App to activate your policy. Still not sure on the best option? Reach out to support in App to help answer any questions.

Why we partnered with mTek

mTek is a leading insurance Broker regulated by the Insurance Regulatory Authority of Kenya. Their best-in-class experience makes understanding and applying for a wider range of insurance categories seamless and fast.

Get the mTek app and be ready to compare and get quotes for health insurance whenever you need.

Compare quotes and apply for health insurance policies across 38 leading underwriters.

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Top Health Insurance Tips

Understand Your Needs

Before diving into any insurance policy, it's crucial to assess and understand your unique needs. Whether it's for health, travel, car, or life, choosing a plan tailored to your situation ensures you're not overpaying for unnecessary coverage or under-protected when the unexpected happens.

Regularly Review Your Policy

Insurance isn't a "set it and forget it" product. As life changes—like buying a new car, traveling to new destinations, or expanding your family—it's wise to regularly review and adjust your policies to ensure they align with your current circumstances.

Know the Details

Every insurance policy comes with exclusions, limits, and conditions. It's essential to be familiar with these to avoid unpleasant surprises during a claim. Always read the fine print, and don't hesitate to ask questions to clarify any uncertainties.

Frequently Asked Questions about Health Insurance

Health insurance can be hard to understand - let us help clarify things.

Can I choose my hospital or doctor with health insurance?

Most health insurance policies in Kenya have a list of accredited hospitals and doctors. While you can visit others, you might have to pay higher out-of-pocket costs. Make sure you check which hospitals and clinics are covered when choosing your policy.

What considerations should I be thinking of when choosing a policy?

Choosing the right health insurance policy is crucial, as it affects both your financial well-being and health. Here are some considerations to keep in mind:

  1. Coverage: Ensure the policy covers a comprehensive range of medical services, from outpatient consultations to major surgeries.
  2. Network of Hospitals: Check if the policy covers the hospitals or clinics you prefer or are convenient for you.
  3. Pre-existing Conditions: Understand how the policy treats pre-existing conditions. Some may have waiting periods or exclusions.
  4. Premiums: Compare the cost of premiums against the benefits offered. The cheapest policy might not always provide the best value.
  5. Claim Process: A seamless claim process is vital. Check reviews or ask for references to know about the insurer's claim settlement history.
  6. Exclusions: Read the policy terms to understand what's not covered. This can include certain treatments, medications, or conditions.
  7. Renewability: Opt for a policy that offers lifetime renewability, especially if you're buying at a younger age.
  8. Waiting Periods: Some policies have waiting periods for specific treatments or conditions. Know these periods to avoid surprises.
  9. Co-pay & Deductibles: Understand any out-of-pocket expenses you might incur when availing medical services.
  10. Maternity and Childcare: If you're planning a family, check if the policy covers maternity and child health services.
  11. Additional Benefits: Some policies offer added benefits like health check-ups, vaccinations, or wellness programs.

If you're unsure, consult with the mTek team to guide you through the options and nuances of health insurance policies available

What are pre-existing conditions, and why are they significant?

Pre-existing conditions are health issues that existed before the start of the policy. Some insurers might exclude them or cover them after a waiting period.

What are Cover Limits?

A cover limit refers to the maximum amount an insurance company will pay for claims within a specific period, usually a year. In health insurance, this can apply to the overall policy or specific treatments and services. For instance, if your policy has a limit of KES 500,000 annually, the insurer will only cover medical expenses up to that amount within that year. Any costs beyond the limit will be out-of-pocket for the insured. It's essential to understand your policy's cover limits to ensure adequate coverage and avoid unexpected expenses.

How do you apply for Health Insurance with mTek?

To apply for health insurance through our partner mTek, download the mTek app via the Google Play Store. Then:

  • Once on the app, select insurance services -> Buy insurance -> and then Health Insurance.
  • Proceed to follow the step-by-step instructions up to quote generation and proceed to select the cover of your choice.
  • The premiums shown will be for inpatient or outpatient. Click the drop-down under each option for more details and also to purchase the premium.
  • At the checkout and payment stage, choose between paying one time or in installments. For installments, the amount you need to pay as the first down payment – which is usually 20% of the total premium, will be indicated on the app as well as the subsequent monthly payment amounts.
  • Proceed to input your mpesa number whereby you will receive a prompt to your mpesa to make payment.
  • Once the waiting period elapses, your medical cover will be ready for use

What are Health Insurance Add-ons?

Add-ons are additional benefits that you can purchase along with your standard health insurance policy to enhance your coverage. Some common add-ons include critical illness cover, maternity cover, and dental and optical care. Additionally, in Kenya, some health insurance providers offer funeral cover as an add-on, ensuring that in the unfortunate event of a policyholder's demise, the burial expenses are catered for. It's essential to discuss with your insurance provider about the available add-ons to tailor your policy to your specific needs.

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