Why Health Insurance Matters
Healthcare costs in Kenya continue to rise. A simple hospital visit can cost tens of thousands, while major treatments like surgeries or chronic disease care can easily run into millions. Without insurance, families often resort to fundraisers, loans, or asset sales to cover medical bills.
A good health insurance plan ensures that you and your loved ones receive quality care without financial strain.
1. What a Comprehensive Health Insurance Plan Should Cover
- Inpatient Services: Hospital admissions, surgeries, specialist care.
- Outpatient Services: Consultations, diagnostics, prescriptions.
- Maternity Benefits: Antenatal, delivery, postnatal care.
- Dental & Optical: Routine checkups and corrective treatments.
- Chronic Disease Management: Ongoing support for conditions like hypertension or diabetes.
- Emergency Evacuation: Ambulance services and sometimes air evacuation.
2. How to Choose the Right Health Insurance in Kenya
- Budget & Premiums: Choose a plan that balances affordability and benefits.
- Hospital Network: Check whether your preferred hospitals and clinics are covered.
- Family Size & Needs: Plans differ depending on dependents and ages.
- Coverage Limits: Review annual limits to ensure they align with potential risks.
- Flexibility: Look for add-ons like dental, optical, or maternity.
3. Why Work with an Insurance Agency Instead of Going Direct
Choosing a health plan can be overwhelming, especially with the many providers in Kenya. Agencies like Pishon Havilah help by:
- Comparing multiple providers on your behalf.
- Negotiating affordable premiums without reducing benefits.
- Offering claims support so you don’t get stuck in emergencies.
✅ Conclusion
Health insurance is more than just hospital bills — it’s about peace of mind, financial protection, and timely access to care. Whether for individuals, families, or corporate teams, the right health plan ensures security and dignity.
At Pishon Havilah Insurance Agency, we help you find affordable, reliable, and tailored medical cover that fits your lifestyle and budget.
