Life & Health
Medical Insurance
Health cover for individuals, families and organisations, placed with insurers offering wide provider panels across Kenya and the region. We help you compare inpatient limits, outpatient benefits, waiting periods and provider networks before you commit.
What this policy covers
- Inpatient treatment and hospitalisation
- Outpatient consultations, diagnostics and prescribed medicines
- Maternity benefits (where selected)
- Dental and optical benefits (where selected)
- Chronic and pre-existing conditions within stated limits
Why arrange it through Hace
- Independent comparison of schemes and provider panels
- Support during member onboarding and card issuance
- Assistance with pre-authorisation and hospital admissions
- Annual scheme review before renewal
Optional extensions
- • Maternity
- • Dental
- • Optical
- • International/evacuation cover
- • Last expense
Common exclusions
- • Losses that happened before the policy start date
- • Deliberate or fraudulent acts
- • War, invasion and nuclear risks (unless specially arranged)
- • Wear, tear and gradual deterioration
- • Cosmetic treatment unless medically necessary
- • Treatment outside the selected provider panel without approval
- • Benefits above the selected annual limits
Frequently asked
Are pre-existing conditions covered?+
Treatment of pre-existing and chronic conditions is usually covered within a stated sub-limit and after a waiting period. Terms differ by insurer — we set them out clearly before you choose.
Can I cover my parents?+
Several schemes allow parents to be added, often rated separately. We will show you which options accept them and at what limits.
Ready to arrange medical insurance?
Tell us what you need to protect and we will compare the market and come back with clear options.