All medical insurance companies in Kenya cover maternity subject to a waiting period of 10-12 months. So, it is not possible to get a maternity insurance once a pregnancy has started. Some health insurance plans in Kenya cover maternity as part of the Inpatient limits while most of the plans offer maternity cover as an optional benefit at an additional cost.

Yes, health insurance will work with the NHIF cover. Medical bills incurred in hospital especially for inpatient visits may be paid net of NHIF limits. This means your medical insurance limits will take you further courtesy of the NHIF benefits.

It is possible to cover juniors less than 18 years old on a medical insurance plan without requiring an adult to be insured on the same plan. However, only plans for inpatient medical insurance are available for juniors.

No, it is not possible to take an outpatient medical insurance plan on its own. All medical insurance plans in Kenya required the insured to take a mandatory in-patient medical option.

Optical and Dental are mainly offered as optional benefits on most of the health insurance options. They offer valuable insurance against common eye and tooth conditions that may cause unplanned physical and financial stress. These two options may only be taken with an inpatient and outpatient plan.

You may still be accepted on cover with the pre-existing conditions. However, pay attention to the waiting periods section of your medical insurance quotaion as these will apply. Any and all pre-existing and chronic should be fully disclosed before taking up the health insurance policy, failure to do so may result in cover cancellation.