MyKava Medical Insurance Kenya: Benefits & Premiums

02Oct

By Raymond Momanyi

MyKava Medical Insurance Kenya: Benefits & Premiums

Explore MyKava medical insurance for ages 1 month to 75 years, with KSh 750,000 inpatient and KSh 75,000 outpatient cover. View premiums and apply.

MyKava Medical Insurance in Kenya: Cover, Benefits and Annual Premiums

An unexpected illness or hospital admission can put pressure on your household budget. Medical insurance helps you prepare for eligible healthcare expenses while protecting the savings you have worked to build.

MyKava Medical Insurance offers cover for individuals, families, groups, chamas and SMEs, with eligibility from 1 month to 75 years.

The option outlined below combines KSh 750,000 inpatient cover with KSh 75,000 outpatient cover. Annual premiums vary according to the age of each person being insured.

Whether you are arranging cover for yourself, your children, older family members or your employees, understanding the benefits, premiums and hospital network is a practical first step.

What Does MyKava Medical Insurance Cover?

Inpatient cover: Up to KSh 750,000

Inpatient cover supports eligible expenses associated with hospital admission and treatment, subject to the policy terms and applicable limits.

Outpatient cover: Up to KSh 75,000

Outpatient cover supports eligible consultations, treatment and medical visits that do not require hospital admission.

Ask for the full benefit schedule to understand the covered services, exclusions and any sublimits before taking out your policy.

For other available options, explore our health and medical insurance page.

Who Can Apply?

MyKava Medical Insurance is available for applicants aged 1 month to 75 years, subject to underwriting and insurer acceptance.

Cover can be arranged for:

Individuals seeking personal medical protection.
Families arranging cover for children and adults.
Chamas, welfare associations and organised groups.
SMEs seeking medical cover for their employees.

Each person’s age determines the applicable premium. Groups and SMEs can contact Imana for a quotation based on their members, employees and cover requirements.

Annual Premiums Per Person

The following premiums combine KSh 750,000 inpatient cover and KSh 75,000 outpatient cover.

Ages 1 Month–20 Years

Inpatient premium: KSh 6,620
Outpatient premium: KSh 12,210
Combined annual premium: KSh 18,830 per person

Ages 21–40 Years

Inpatient premium: KSh 11,800
Outpatient premium: KSh 14,440
Combined annual premium: KSh 26,240 per person

Ages 41–54 Years

Inpatient premium: KSh 17,310
Outpatient premium: KSh 16,670
Combined annual premium: KSh 33,980 per person

Ages 55–65 Years

Inpatient premium: KSh 23,450
Outpatient premium: KSh 20,390
Combined annual premium: KSh 43,840 per person

Ages 66–75 Years

Inpatient premium: KSh 33,350
Outpatient premium: KSh 20,390
Combined annual premium: KSh 53,740 per person

Premiums are per person, per year and are subject to underwriting and insurer confirmation. Terms and conditions apply.

Your premium is the amount paid for the policy. Your cover limit is the maximum available for eligible expenses under the relevant benefit, subject to the policy terms.

Request your MyKava quotation to confirm the premium applicable to your application.

Which Hospitals Can You Use?

MyKava offers access to participating hospitals in Kenya and East Africa, subject to the approved hospital panel and the policy’s geographical terms.

Before applying, request the MyKava Hospital Panel list and confirm whether your preferred facilities are included. Check hospitals near your home, workplace and places you visit regularly.

For treatment outside Kenya, confirm the approved facilities and any authorisation requirements before making arrangements.

For background on hospital categories, read Hospitals in Kenya: Public vs Private Tiers.

What Should You Confirm Before Taking Cover?

Understanding your policy helps you make an informed choice. Ask the Imana team to explain:

Any waiting periods before benefits become available.
How pre-existing and chronic conditions are treated.
Exclusions, sublimits and any applicable co-payments.
Whether your preferred hospitals are on the panel.
Whether admission or particular treatments require prior authorisation.
Your confirmed cover commencement date.

These are points to check in your quotation and policy documents.

For a plain-language introduction, read Health Insurance in Kenya: Waiting Periods and Other Terms Simplified.

How to Apply for MyKava Medical Insurance

Start through the MyKava online application and quotation page.

Submit your application or quotation request.
Provide the information requested for each person to be covered.
Review the confirmed premium, benefit schedule and hospital panel.
Follow the payment instructions provided for your approved application.
Obtain your policy documents and confirm when cover begins.

You can also contact Imana on WhatsApp for application assistance or to request the hospital panel.

How to Pay

The MyKava payment details supplied for this cover are:

M-PESA Paybill: 880100
Account number: PAYMYKAVA

Confirm the amount payable and payment instructions with the Imana team when your quotation is approved. Keep your transaction confirmation for follow-up and policy processing.

Frequently Asked Questions

Can Children Have MyKava Medical Cover?

Children are eligible from 1 month of age, subject to the application requirements and insurer acceptance.

The listed combined annual premium for applicants aged 1 month to 20 years is KSh 18,830 per person.

Is Cover Available for Older Adults?

The listed age bands extend to 75 years.

For applicants aged 66–75 years, the combined annual premium is KSh 53,740 per person, subject to underwriting and insurer confirmation.

Are the Premiums Family Rates?

The premiums shown are per person. Contact Imana for a quotation based on the ages and number of people you wish to cover.

Does This Option Include Both Inpatient and Outpatient Benefits?

Yes. The combined option outlined above includes KSh 750,000 inpatient cover and KSh 75,000 outpatient cover, subject to the policy terms.

Can a Chama or SME Request Cover?

Yes. Chamas, organised groups and SMEs can contact Imana to discuss their requirements and confirm the appropriate cover arrangement.

How Do I Check Whether My Hospital Is Included?

Request the MyKava Hospital Panel list on WhatsApp and confirm your preferred hospital before applying.

Get Your MyKava Medical Insurance Quote

Make medical cover part of your plan for the year ahead. Review the benefits, confirm your preferred hospitals and choose cover with a clear understanding of the policy terms.

Apply for MyKava Medical Insurance

WhatsApp Imana: +254 103 806 588

Additional call/WhatsApp contacts:
+254 113 619 635 | +254 113 806 810 | +254 745 218 460

Visit us: 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi, Kenya.

Our websites: Imana Insurance | Imana Insurance Agency | MyKava

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