What to Consider Before Buying The Best Medical Insurance Cover in Kenya Plan

Posted: 23rd September 2019
How to select the Best Medical Cover in Kenya plan

How To Select the Best Medical Cover in Kenya Plan for your Family? In Kenya, there are several Insurance companies selling health insurance packages and choosing a cover can really be a challenge to many young families looking for an ideal cover. In addition to this challenge of selecting a suitable package, one has to go […]

How To Select the Best Medical Cover in Kenya Plan for your Family?

In Kenya, there are several Insurance companies selling health insurance packages and choosing a cover can really be a challenge to many young families looking for an ideal cover. In addition to this challenge of selecting a suitable package, one has to go through the jargon-laden policy wordings full of conditions and exclusions, overcome the cultural perception of Health insurance as a luxury and carefully consider the glaring trust-gap between the insurer and insured in order to buy a simple  and the Best Medical Cover in Kenya plan. Despite all these and the price tag that don’t always align with the personal budgetary allocation, there are a few basic considerations you should make before buying health insurance plan. These are discussed below:

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Focus on Your Family Health Concerns

Before buying your Best Medical Cover in Kenya plan for your family, consider their current concerns and needs. These can include age as most insurance products have their premiums linked to age of the family members. Also, consider present ailments, if any, as well as the family’s medical history. Are there any recurrent but manageable conditions such as Asthma, diabetes, hypertension and others. These are usually categorised as chronic conditions as they are not permanently curable. Further, check for any pre-existing diseases/conditions such as cancer, tumours, or a surgery that predisposes the family member to infections and risk of reoccurrence.

What is the Favourable Benefits and Cover Limits?

At the time of selecting your Best Medical Cover in Kenya plans, one should select the amount (cover limit) wisely as it covers the medical expenses for a whole year. One might consider that the younger they are, lower the sum insured they need and vice-versa which is not necessarily true. The actual cover limit for the different benefits should be driven by your family health concerns more than your budgetary capacity. Lower limits have the risk of being depleted fast due to the ever-increasing cost of standard of care.

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Most benefits have sub-limits of capped/bundled benefits such as pre-existing, cataract, first-ever emergency caesarean section, etc. put these benefits on a comparative scale when finalizing your selection of benefits.

 

What is the Claim Process?

It should be simpler and faster when it comes to the settlement of the claims. Also look at the customer support of the insurance company since excellent customer service is an additional advantage the insured should look for. Here, referrals from known people helps and getting some research done on the institution would go along way

Consider Key Maternity benefits

It is vital for women to buy a health insurance in Kenya plan that offers maternity benefits. For maternity benefits, one should look into the waiting period applicable for claiming maternity expenses and consider the sub-limit. The policy should also cover outpatient expenses and check for exclusions related to the policy.

Look at Post hospitalization Aspects

After hospitalization, some expenses occur—the expenses include follow up with the doctor, medicines to be taken and many others. Choose an insurance plan which covers these aspects too.

What Do They Consider during Renewal?

Before buying health insurance in Kenya, look for policies which offer renewal option beyond the retirement age. There is a higher chance of suffering from diseases and illnesses when you are old compared to when you are young—a health policy which offers senior age coverage is what you should buy.

Medical Check-up

Look for a health insurance company in Kenya which insures the person for a free medical check-up if required at inception of cover or renewal time. This reduces extra costs involved in obtaining a cover.

Evacuation Options

You should look for a health insurance company in Kenya which covers for both air and road evacuations. However, evacuation costs do take more from the sum assured right before hospitalization charges. One should consider an evacuation cover which are affordable to obtain and do not deplete your medical cover limits when needed most.

Budgetary considerations?

A health insurance plan is your best help during times of medical emergencies either accidental or illness, hence budgeting for it is always the best practice. Once you have considered all the above, make sure you don’t break the bank to obtain cover. Have a payment plan if you can’t raise the whole amount at a go. Most banks such as I&M Bank and others do offer a good Insurance Premium financing (IPF) for all. Cheap is always expensive so do not jump into an offer before considering all the above just being guided by the premium. Also, ask if there are any other charges that you will be required to pay other than the premium.

Finally, if the family can manage their outpatient requirements and costs, then chose a lower outpatient limit or do away with it so as to spend more on inpatient limit.

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Disclaimer; The opinions expressed in this publication are those of the author. They do not purport to reflect the opinions or views of GA Insurance. The designations employed in this publication and the presentation of material therein do not imply the expression of any opinion whatsoever on the part of GA Insurance concerning the legal status of any country, area or territory or of its authorities, or concerning the delimitation of its frontiers.