//Individual

First-Med

Inpatient Benefit Per Family
500,000
Outpatient Benefit Per Person
50,000
Maternity Benefit
50,000
Dental Benefit-Per Person
10,000
Optical Benefit-Per Person
10,000
Frames (One pair every 2 years)
10,000
One eye test per annum per person, Prescription lenses (One pair every 2 years)
Dental and Optical Benefit must be taken as a Package and with Outpatient plans
Policy Waiting period
Illness claims are subject to a waiting period of 30 days and 0 days for accident-related treatment.  

Inpatient Benefit Per Family

1,000,000

Outpatient Benefit Per Person

75,000

Maternity Benefit

75,000

Dental Benefit-Per Person

15,000

Optical Benefit-Per Person

15,000

Frames (One pair every 2 years)

10,000

One eye test per annum per person, Prescription lenses (One pair every 2 years)

Dental and Optical Benefit must be taken as a Package and with Outpatient plans

Policy Waiting period

Illness claims are subject to a waiting period of 30 days and 0 days for accident-related treatment.

Inpatient Benefit Per Family

2,000,000

Outpatient Benefit Per Person

100,000

Maternity Benefit

100,000

Dental Benefit-Per Person

20,000

Optical Benefit-Per Person

20,000

Frames (One pair every 2 years)

10,000

One eye test per annum per person, Prescription lenses (One pair every 2 years)

Dental and Optical Benefit must be taken as a Package and with Outpatient plans

Policy Waiting period

Illness claims are subject to a waiting period of 30 days and 0 days for accident-related treatment.

Inpatient Benefit Per Family

3,000,000

Outpatient Benefit Per Person

150,000

Maternity Benefit

150,000

Dental Benefit-Per Person

30,000

Optical Benefit-Per Person

30,000

Frames (One pair every 2 years)

10,000

One eye test per annum per person, Prescription lenses (One pair every 2 years)

Dental and Optical Benefit must be taken as a Package and with Outpatient plans

Policy Waiting period

Illness claims are subject to a waiting period of 30 days and 0 days for accident-related treatment.

Bed Limit – Standard Private up to Kshs. 18,000 net of NHIF

Main Benefits:

Inpatient Benefits:

  • Pre-existing, Chronic conditions & HIV/ AIDS-(1st time diagnosis/ declared/undeclared)-subject to 1 year waiting period – Kshs. 1,000,000
  • Organ transplant (cost of donor is excluded)–2 year waiting period
  • Cancer Treatment-2 year waiting period
  • Kidney Dialysis Treatment-2 year waiting period
  • Congenital Condition-1 year waiting period
  • Psychiatry and psychotherapy- 1 year waiting period
  • Radiology services-X ray, Electrocardiography(ECG) computerized tomography,Ultrasound, PET,MRI and CT-scans(net of NHIF)- Subject to Pre-authorization
  • Accidental Reconstructive surgery
  • Inpatient Dental resulting from an Accident
  • Inpatient Optical resulting from an Accident
  • Illness Related Inpatient Dental-1 year waiting period
  • Illness Related Inpatient Ophthalmology (Apart from Laser eye surgery)-1 year waiting period
  • Lipoma-1 year waiting period
  • Doctor’s/Physicians,Specialist, Surgeons, Anaesthetist fees, ICU/ CCU/HDU and theatre Charges, Physiotherapy as part of inpatient treatment
  • Prescribed Drugs/Medicines, Dressings & Procedures
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Head office

First Assurance House,
Clyde Gardens,
Gitanga Road, Lavington