Do I need Health Insurance When Moving to Kenya?

When planning a move to Kenya as an expat or digital nomad, one of the essential considerations is healthcare. While Kenya does not have a mandatory health insurance requirement for entry, it is highly advisable to have a comprehensive health insurance plan in place. This is particularly important because, as a newcomer, you may not be immediately eligible for the public healthcare system, and private healthcare in Kenya can be costly. There are no specific minimum coverage amounts or length of coverage required by the Kenyan government for residency purposes. However, having health insurance can provide peace of mind and protect you from unexpected medical expenses.

Does Expat Health Insurance Meet the Requirements?

While Kenya does not enforce specific health insurance requirements for residency, expat health insurance is generally designed to meet the needs of individuals living abroad. These plans often offer comprehensive coverage that can be more suitable for expats than local insurance, especially for those who may travel frequently or require a higher standard of medical care. It is important to ensure that your expat health insurance plan covers medical treatment in Kenya and includes provisions for medical evacuation, should it be necessary. Additionally, some residency applications may look favorably upon applicants who have a comprehensive health insurance plan, as it demonstrates financial stability and preparedness.

Which local health insurers offer this type of insurance?

In Kenya, there are several reputable local health insurers that offer plans suitable for expats and digital nomads. These include companies like Jubilee Insurance, Resolution Health, and Britam. These insurers provide a range of products that can be tailored to individual needs, including inpatient and outpatient cover, maternity care, dental and optical services, and even international cover. It's important to compare the plans carefully, considering factors such as the network of hospitals and clinics, the level of customer service, and the ease of processing claims. Some insurers also offer additional benefits like wellness programs and discounts on health-related services.

Advice from Expats in Kenya about Health Insurance

Expats living in Kenya often stress the importance of obtaining a health insurance plan that offers extensive coverage and is recognized by a wide network of hospitals and clinics. They advise newcomers to look for plans that offer direct billing arrangements, which can simplify the payment process for medical services. It's also recommended to check the exclusions and limitations of the policy, particularly for pre-existing conditions, which may not be covered. Expats suggest that you should consider the level of customer support provided by the insurer, as navigating the healthcare system in a new country can be challenging. Lastly, it's wise to review the claims process to ensure it is straightforward and efficient, as this can significantly affect your experience in the event that you need to use your insurance.