• By Raymond Momanyi

Imana Afya Medical Insurance Cover: Affordable Health Protection for Individuals, Families, Groups and Corporates in Kenya

Medical bills can hit hard when you least expect them. One hospital admission, one emergency, one maternity journey, or one ongoing medical condition can quickly stretch a household or business budget. That is why having a practical medical insurance cover is not a luxury anymore — it is a smart financial shield. 

Imana Afya Medical Insurance Cover is designed to give Kenyans access to affordable medical protection with real benefits, clear limits, and flexible options for individuals, families, groups, chamas, SMEs and corporate organizations. 

This medical cover is offered by Imana Insurance Agency Kenya Ltd in partnership with Birdview Microinsurance. It includes inpatient, maternity, outpatient, dental, optical and last expense benefits, depending on the selected option. 

What Is Imana Afya Medical Insurance Cover? 

Imana Afya is a medical insurance solution created for people who want dependable health cover without paying extremely high premiums. 

The core cover includes: 

• Inpatient Cover: KSh 500,000 
• Maternity Benefit: KSh 75,000 
• Optional Outpatient Cover: KSh 75,000 
• Dental Benefit: KSh 10,000 
• Optical Benefit: KSh 10,000 
• Last Expense Benefit: KSh 75,000 

This makes it a practical option for people who want protection against hospital admission costs, maternity expenses, outpatient treatment, dental care, eye care and family support in case of loss.
 
 

Who Is Imana Afya Suitable For?
 
Imana Afya works well for:
 

• Individuals looking for affordable medical insurance 
• Families that need a budget-friendly health cover 
• Chamas and welfare groups 
• SMEs looking to cover staff 
• Corporate organizations seeking group medical insurance 
• Parents looking for protection for dependants 
• People who need East Africa medical cover while travelling within the region 

The cover is built for real Kenyan life — where people want strong benefits, manageable premiums, and access to support when health issues arise.
 
 

Key Benefits of Imana Afya Medical Cover

One of the strongest features of Imana Afya is the range of conditions and situations it considers.

The cover may include protection for pre-existing, chronic, psychiatric, congenital conditions and HIV/AIDS including related conditions, subject to policy waiting periods. It also provides coverage within East Africa, including when travelling. 

Other key benefits include:
 

• Last expense benefit 
• Territorial limit within East Africa 
• Child dependant entry age up to 18 years 
• Extension up to 25 years with proof of schooling 
• Adult entry age up to 70 years 
• Adult renewal extension up to 100 years 

That makes it a flexible cover for both young families and older adults who need continuous medical protection.
 
 

Imana Afya Annual Premiums

The annual premium for the inpatient and maternity cover starts from KSh 8,230 per year for member-only cover.

Inpatient + Maternity Premiums

| Cover Option | Annual Premium | Member Only | KSh 8,230
| Member + 1 | KSh 12,345
| Member + 2 | KSh 13,826
| Member + 3 | KSh 15,308
| Member + 4 | KSh 16,789
| Member + 5 | KSh 18,271
This package gives you:

Inpatient: KSh 500,000
Maternity: KSh 75,000

For families, this is a solid entry point into medical insurance because the premium remains affordable while still offering meaningful protection.



Optional Outpatient, Dental and Optical Cover
 
For clients who want extra protection beyond hospitalization, Imana Afya also offers an optional outpatient package.
 
This includes:
 

• Outpatient Cover: KSh 75,000 
• Dental: KSh 10,000 
• Optical: KSh 10,000 each 

Optional Outpatient Premiums

| Cover Option | Annual Premium | Member Only | KSh 12,190
| Member + 1 | KSh 21,940
| Member + 2 | KSh 21,940
| Member + 3 | KSh 21,940
| Member + 4 | KSh 21,940
| Member + 5 | KSh 21,940
This option is ideal for people who visit hospitals or clinics for regular treatment, consultation, medication, dental care or optical services.



Why Imana Afya Makes Sense

Many people delay buying medical insurance because they assume it is too expensive. But the real question is this: what happens when a medical bill arrives before your savings are ready?

Imana Afya helps you plan ahead.

It gives you a way to protect yourself and your loved ones from unexpected health expenses while keeping the annual premium within reach. Instead of waiting for an emergency, you prepare early. That is the smart move.

For employers, groups and chamas, Imana Afya can also support welfare planning. A good medical cover can help reduce financial pressure on members and staff when medical needs arise.



What Is Required to Apply?
 
To apply for Imana Afya Medical Insurance Cover, you need:
 

• Copy of KRA PIN 
• Copy of National ID or passport 
• Premium payment advice 

These requirements make the application process simple and direct.
 
 

How to Pay for Imana Afya

Premium payment can be made through the following options:

M-Pesa Paybill: 880100
Account: PAYMYKAVA

M-Pesa Paybill: 7596117
Account: ID Number

Always confirm payment details before making payment.



How to Buy or Request a Quote

You can request a quote or apply online through:

Imana Afya / Micro Quote:
https://www.imana.co.ke/micro-quote

Imana Health:
https://www.imana.co.ke/insurance/imana-health

For assistance, call or WhatsApp:

+254745218460 | +254113806810 | +254103806588 | +254113619635 | +254796209402

You can also visit Imana Insurance Agency Kenya Ltd, located at 4th Floor, Krishna Centre, Westlands, Nairobi, Kenya.



Imana Wisdom

Health is one of those things we often ignore until the bill comes knocking. Imana Afya gives individuals, families, groups and businesses a practical way to prepare before that moment arrives.

With inpatient cover of KSh 500,000, maternity benefit of KSh 75,000, optional outpatient cover of KSh 75,000, dental and optical benefits, last expense support, and coverage within East Africa, Imana Afya is a strong option for anyone looking for affordable medical insurance in Kenya.

Don’t wait until medical bills force you to look for help. Get covered early. Protect your health, your family, and your peace of mind.