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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.
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:
If you're unsure, consult with the mTek team to guide you through the options and nuances of health insurance policies available
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.
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.
To apply for health insurance through our partner mTek, download the mTek app via the Google Play Store. Then:
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.