If you are suffering from a chronic disease in Kenya, you need insurance. Below is a list of insurance companies with the best critical illness cover:
Old Mutual Insurance
Severe Illness Cover
What’s in it for you?
- You can pay a minimum premium of KES 1,000
- The minimum term of the cover is 10 years and the maximum term is until the client turns 65 years
- A premium waiver on disability and/or death where the payer is different from life assured
- We pay for the medicals that you undergo when signing up for the cover
How do I apply?
You can easily get a quote and then request for a call back below. Our financial advisor will contact you and guide you through the process. You can also SMS the word ‘Dependability’ to 22801 and we’ll be in touch with you.
What illnesses are covered?
Below are the illnesses that you can get covered for:
- Cancer
- Heart attack
- Open heart surgery
- Stroke
- Paraplegia
- Major organ transplant
- Aortic surgery
- Renal/kidney failure
- Accidental brain damage
- Coma
- Multiple Sclerosis
- Motor Neuron Disease
- Muscular Dystrophy
- Dementia
- Parkinsonism
- Connective Tissue Disease: Rheumatoid Arthritis
What’s excluded from the cover?
Exclusions are defined in the contract document under the Definition of Severe Illness section.
Who is eligible for cover?
It’s suitable for all lives that are eligible subject to underwriting limits, age limits and insurable interest.
Jubilee Insurance
Critical Illness Cover
Key Features
- It provides a lumpsum payment on first diagnosis of illnesses covered, enabling you to seek treatment at the facility of your choice.
- It covers between $50,000 and $150,000 worth of expenses depending on your plan.
- It covers critical illnesses such as heart attack, stroke, coronary artery surgery, cancer, renal failure, blindness, coma, accidental brain damage, multiple sclerosis, major organ transplant and more.
Covered Illnesses
Our Critical Illness Cover offers a lump sum payment upon the first diagnosis of a defined critical illness.We have an extensive list of covered illnesses, including;
- Cancer
- Heart attack
- Stroke
- Aortic surgery
- Open heart surgery including coronary artery
- Parkinsonism
- Renal/Kidney failure
- Total blindness
- Paraplegia
- Major organ transplant
With this coverage, you can have peace of mind knowing that you have the necessary resources to navigate critical health situations with confidence.
Key features
- Flexibility to seek treatment from facility of choice
- Various hospital charges are covered, including diagnostic procedures, operation charges, ICU charges, daily visits from doctors and more.
- Less than 90 day waiting period for the cover
- Employees actively in service between ages 18 and 65 are eligible for cover
- Affordable premiums to access to quality healthcare and financial protection
- Lump sum of KES 750,000 upon first diagnosis
Key benefits
- Comprehensive coverage for principal member and family
- Financial freedom to use the payout as you see fit
- Flexibility to seek treatment from facility of choice
- Various hospital charges are covered, including diagnostic procedures, operation charges, ICU charges, daily visits from doctors and more.
- Less than 90 day waiting period for the cover
Prudential Insurance
PRUCritical Care
Product Features
A first-time diagnosis of a Critical Illness can instantly pull the mat from under your feet. Our Critical Illness Cover promises to keep it intact and help you focus on getting better.The PRUCritical Care will provide, for a specified period of time, a lump-sum pay-out, in the event of first time diagnosis of a listed critical or terminal illness.
- Lump sum amount paid at the first time diagnosis of a critical illness ranges from Ksh.1M to Ksh. 15M
- Minimum eligible age is 18 years and maximum is 60 years. The maximum age you can get cover is 65 years.
- The minimum period you can take the cover for is 5 years and maximum is 20 years as long as the maximum age to be covered is 65 years
- It further provides you with an option to purchase an additional death benefit at an additional cost which will be paid to your loved ones and beneficiaries, in the event of your passing on due to natural causes, accidents, or an illness.
Benefits
Claim insurance tax relief
Enjoy insurance tax relief of up to 15% of the premium paid, up to a maximum of KES 60,000 annually
Create an immediate estate for your dependents
Help your family maintain their lifestyle without having to sell land or property
Flexible policy Terms
Allows you to tailor the product to suit your life insurance needs.
Lump-sum Pay Out
Pay-out on a first-time diagnosis of a critical or terminal illness as defined in the policy.
Product Benefits
These benefits will be payable for a maximum of 30 days (maximum benefit) in the policy year
| Category | Age in years | Maximum Daily Benefit |
| Main member plus the spouse | 18-55 | 20,000 |
| 56-65 | 10,000 | |
| Children | Less than 18 years | 10,000 |
| Parents & parents in law | Less than 65 years | 10,000 |
Critical Illness Benefit
- Full 100% lump sum payment will be made upon first diagnosis of a critical or terminal illness (as defined) regardless of severity.
- The benefit is payable only on the first incident of a critical illness diagnosis or Terminal Illness diagnosis.
Optional Death Cover benefit
- 50% lump sum payment will be made upon death of the policy holder whether due to natural causes, accidents, or illness to the listed beneficiaries within the policy term and before the diagnosis of illness.
- The 50% rider benefit (not amount) will be chosen at the discretion of the policyholder.
Waiting Period
There is a waiting period of 6 months;
- When the cover is starting or when it is being reinstated.
- If the policy holder goes for medical checkup before getting the cover, then the waiting period will be waived off.
- The waiting period for cancer diagnosis of 6 months still applies with or without the medical checkup.
Claim Documentation
You will be required to provide the following documentation for a claim to be paid under PRUCritical Care policy;
- A duly completed claim form.
- A copy of the member’s identification document(s).
- Official medical report from a registered qualified medical practitioner showing the diagnosis of the critical/terminal illness; certifying the date, nature and cause of the illness.
- Death certificate for death claims.
Exclusions
The following is a list of exclusions, meaning, any claim that arises from the occurrences below will not be paid.
- Pre-existing conditions. Any existing medical condition not disclosed prior to the issuance of the policy, for which treatment was received or recommended, by a medical practitioner or of which the person assured was aware prior to the date of declaration of the policy.
- A condition directly resulting from the abuse of alcohol or illegal drugs.
- Cancer:
- All cancers in stage 0 (in situ) and all premalignant conditions
- All tumours of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least clinical TNM classification T2N0M0.
- All skin cancers (including cutaneous lymphoma), other than malignant melanoma that has been histologically classified as having caused invasion beyond the epidermis (outer layer of skin).
- Chronic lymphocytic leukaemia unless histologically classified as having progressed to at least Binet Stage A
- Tumours in the presence of any human immuno-deficiency virus are excluded.
- Stroke:
- Transient ischaemic attack
- Vascular disease affecting the eye or optic nerve
- Death of tissue of the optic nerve or retina / eye stroke
- Migraine
- Vestibular disorders
- Traumatic injury to brain tissue or blood vessels
- Heart Attack:
- Acute coronary syndromes, including but not limited to angina without myocardial infarction.
Britam
Family Protection Plans
Benefits
- The amount of premium one pays will depend on age and the amount of the sum assured (chosen benefit).
- The premiums are affordable and are payable in a flexible way; monthly, quarterly, semi-annually or annually.
- Various premium payment options are available e.g. Employer salary check-off, direct debit, personal cheques or mobile money transfer.
- Britam will pay a lump sum amount equal to the sum assured in the event one is diagnosed with any of the defined critical illnesses.
- This policy gives you access to personalized service by Britam
Documents recovered
- Critical illnesses have recently become prevalent.
- Critical illnesses can affect a family’s breadwinner meaning there’s a direct impact on the family’s financial resources.
- Due to advances in medicine, typically, the outcome of a major health crisis is the survival of a patient rather than death. This means that a lot more resources are required for the recovery process.
- Sufficient protection against the financial shocks brought about by critical illnesses requires more than a usual life insurance cover.
Heritage Insurance
Hekima Critical Illness Plan
Why the Hekima Plan is perfect for you
- Entry age: If you’re between 18 and 60, you can sign up for our plan.
- Premium payments: The monthly payment depends on your age and the amount of coverage you choose. We consistently review your rates yearly, providing you with flexible options.
- Inflation protection: Worried about inflation? You can pick protection between 0% and 15%. This way, your benefits will match rising costs over time.
Benefits of Hekima Plan
- Hassle-free signup: No need for medical tests for coverage of KES 7M or less
- No limits on beneficiaries: Flexibility in choosing any number of beneficiaries for your plan
- No waiting time for accidents: Immediate coverage in case of accidents, giving you peace of mind
- Enjoy cashback for being claim-free: Get 10% of your death benefit back if you haven’t made any claims by the end of the policy
- Global protection: Keep your coverage worldwide as long as you keep paying your premiums
- Financial security for your family: Your loved ones will receive a lump sum if something happens to you
- Coverage for life-altering disabilities: Get a lump sum if you experience a major disability, providing essential financial support when needed.
- Coverage for critical illnesses: We give you 30% of your coverage, protecting you during life’s most challenging health battles
Who can be covered?
A policyholder aged between 18 and 60 years of age.
Waiting Period
There is no waiting period for accidental death of the insured. There is a 6-month waiting period for natural causes from the cover start date. Immediate coverage may apply for Life Assureds who have undergone medical underwriting. Cover starts on the first month following receipt of the first premium payment and a completed and signed application
Making a Claim
You or your nominated beneficiary may go to your appointed broker, agent, or Liberty Life sales consultant to lodge the claim. All valid claims will be paid after all the required claim documents have been submitted to Liberty Life and the claim assessment complete.
AIG Insurance
There are good reasons to consider Critical Illness Insurance from AIG
Provides diagnosis benefit of a wide range of critical illnesses if diagnosed during the period of insurance.
Benefits
- Financial compensation in case of an accident/sickness
- Peace of mind
- Can be used as a retention/attraction tool to existing/new staff
Who’s it for?
- Individuals
- Groups
- Employees
