Protection · For the health that carries everything
Medical Cover
One diagnosis should never be allowed to undo a decade of building.
The promise, in one line
"The bill was terrifying. Our balance sheet never noticed."
The story
The most expensive room in Kenya is a hospital room
Ask any family that has watched a loved one spend six weeks in intensive care: the illness takes one person, but the bill comes for everyone.
Savings built over years drain in weeks; businesses quietly lend themselves to the ward.
Well-structured medical cover is the wall between a health event and a wealth event. It lets a family make medical decisions like a family — not like a treasury under siege.
The reality
What one hospital stay can cost
KES 300,000+/day
ICU costs in Nairobi can exceed this — per day
KES 1M–3M
Major surgery often falls in this range
KES 5M+
Long-term treatment can quietly reach this and beyond
What it protects
Promises, kept in writing
Care without arithmetic
Treatment decisions made on medical advice, not on what the M-Pesa balance allows.
Savings stay savings
Hospital bills route to the insurer — your emergency fund and investments stay untouched.
The whole household
Spouse, children and, where you choose, parents — one structure, everyone breathing easier.
Private-ward dignity
Cover sized for the standard of care your family actually expects.
Who This Is For
- Individuals and families who depend on private healthcare
- Parents covering spouse, children and ageing parents under one plan
- Anyone whose savings could not absorb a prolonged hospitalisation
- Founders and executives whose productivity depends on uninterrupted health
How We Design It
- 01 Assess family size, ages and expected care needs
- 02 Size cover to include chronic illness, surgery and ICU limits
- 03 Ensure the plan sustains your standard of care, not just a baseline
- 04 Coordinate with emergency fund and other protection layers
Protectors on Medical Cover
Families who made the promise
We spent eleven days in Aga Khan with our son. The only paperwork I touched was the discharge form.
My readiness score flagged medical as my weakest area at 28. It is the first gap we closed.
No obligation · Same-day reply
The unremarkable Tuesday is today.
One conversation. Protection sized to the weight you actually carry.
Independent advice · Curated from Kenya's leading insurers · No obligation