Medical cover designed for senior citizens who are the most vulnerable to illness and related conditions—protection against medical expenses and comfort in old age.
Senior citizens health plans
What it is
This cover protects senior citizens against medical expenses and gives them comfort in old age.
Eligibility & onboarding
- Eligible dependents include only one legally married spouse
- Children dependents are not accepted on this cover
- A medical report before membership; eligibility can be confirmed at the insurer-appointed hospital
- The applicant and spouse should be at least 65 years at entry. Maximum entry age is 80 years
- The policy is renewable annually but has no exit age
- The insurer reserves the right to renew cover or not before expiry
Who’s it for?
Senior citizens aged 65–80 years, retirees, elderly couples, and adult children securing health cover for aging parents.
Top benefits
- Inpatient cover from KSh 250,000 to KSh 10 million
- Covers chronic, congenital & pre-existing conditions (after waiting periods)
- Includes hospice care, organ transplant & joint replacement
- Mental wellness, psychiatric care & drug delivery services
- Annual checkups, diagnostics, and optical & dental benefits
- 30-day home nursing & local emergency evacuation included
- Personal accident + last expense cover
Exclusions
- Expenditure arising from any illegal or criminal act
- Operations or treatments of own choice for purely cosmetic purposes or obesity
- Expenses recoverable under any other insurance or source e.g. SHIF, WIBA
- General health examinations not related to diagnosis of sickness or accidental injury
- Outpatient services unless added as extension add-ons
- Dental: braces, polishing, scaling
- Optical and hearing: hearing aids, contact lenses
- Nutritional supplements
Request a quote for senior citizen underwriting and package options.
