First Afya Biashara


This policy provides cover for:

Enjoy the ultimate peace of mind when it comes to healthcare for you and your employees with our plan that offers extensive medical coverage both locally and overseas. With a steadfast commitment to your well-being, we’ve designed this plan to encompass a wide spectrum of medical conditions, from routine check-ups and preventive care to critical illnesses and emergencies, ensuring that you and your team receive top-tier medical attention whenever and wherever you may need it. Your health is our priority, and our SME medical cover is your assurance of a secure and healthy future.


1.Employees between 3 to 19 employees.

2.No waiting periods.

3.Flexibility of Cover i.e  Various Plans are available to choose from and combine under this cover

4.Personal Accident Cover i.e This covers loss of life and permanent disablement of the insured due to an accident

5.Mental health management and treatment.

6.Chronic disease management program.

7.Management for substance abuse and dependency.

8.Attempted suicide and intentional self injury.

9.Choice for copay or waiver of the same.

10.No medical checks on enrolment.

11.Family planning and fertility treatment for IVF.

12.Private and travel vaccines.

13.Hearing aids.

14.Annual health checkups up to Kshs. 50,000.

15.Flexible and affordable payment plans.


First Afya Biashara FAQs

What is First Afya Biashara?

First Afya Biashara is a comprehensive healthcare plan designed specifically for small and medium-sized enterprises (SMEs), offering extensive medical coverage both locally and overseas.

Who is eligible for First Afya Biashara?

Adults aged between 18 and 65 years at the time of joining, with coverage extendable to 75 years. Children up to 18 years or 25 if in full-time education, and there is no age restriction for children with mental or physical impairments.

What medical services are covered under First Afya Biashara?

The plan covers a wide range of services, including: Superior sublimits for specific medical services. Mental health management and treatment. Substance abuse and dependency management. Management of attempted suicide and intentional self-injury. Infertility treatment, including IVF. Annual health check-ups up to Kshs. 50,000.

Is there a waiting period before coverage begins?

No, there are no waiting periods; coverage begins immediately upon enrollment.

Are there any options for outpatient service payments?

Yes, you have the flexibility to choose between paying a copay for outpatient services or opting for a waiver to eliminate the copay.

Are medical checks required for enrollment?

No, medical checks are not required for enrollment in the plan.

What documents are required for onboarding?

To onboard, you need to provide: Certificate of registration/incorporation. KRA PIN certificate. CR12 form. ID of directors and shareholders (with more than 10% shareholding). Member list. Proof of payment. Employee application/company authorization form.

What is the coverage for newborns?

Newborns are covered immediately from birth if they are notified within 14 days.

Can children with impairments be covered under this plan?

Yes, there is no age restriction for children with mental or physical impairments.

How does First Assurance ensure quality service?

First Assurance has a long history of providing secure, professional, and quality insurance and financial services, being part of the reputable Absa Group Limited.

How can I contact First Assurance for more information?

You can contact First Assurance through our customer service channels listed (0709 544 000 or email :medicalunderwriting@firstassurance.co.ke) or visit our offices for personalized assistance.
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Head office

First Assurance House,
Clyde Gardens,
Gitanga Road, Lavington