SPECIALIZED SERVICE

Health Insurance

Protect your health with reliable and affordable medical coverage.

About Health Insurance

Medical costs in Kenya are unpredictable and can devastate families overnight. Without comprehensive health coverage, a hospital visit means choosing between health and financial security. Excewell health insurance removes that choice — covering you, your family, and employees with affordable, extensive medical protection.

Health Insurance Features & Capabilities

Everything included when you choose our health insurance service

Family Coverage Plans

Protect your entire household with one plan. Covers inpatient, outpatient, maternity, dental, and optical care. Cashless claims at 500+ hospitals and clinics nationwide.

Corporate Health Solutions

SME owners get employee health insurance that improves retention and productivity. Affordable group rates, minimal admin burden, claims paid within 48 hours.

Pre & Post-Hospitalization Coverage

Coverage extends 30 days pre-admission and 90 days post-discharge. Chronic disease management and annual health screenings included.

Why Choose Excewell Insurance for Health Insurance

Comprehensive financial security with integrated insurance + investments in one trusted plan, giving families peace of mind about their children's future and SME owners streamlined risk management, compliance confidence, and measurable business continuity.

Covers 500+ hospitals & clinics — cashless across Kenya

Claims processed & paid within 48 hours

Maternity, dental, optical, chronic disease all included

Health Insurance — Frequently Asked Questions

Common questions about our health insurance service

Are pre-existing conditions covered?

Yes, with a waiting period of 90 days for pre-existing conditions. After the waiting period, all conditions are covered under your plan. We're transparent about this upfront — no hidden exclusions.

How do I use my health insurance at hospitals?

Show your Excewell card at any of our 500+ partner hospitals and clinics. Treatment is covered directly — no cash outlay, no claims forms. For non-partner facilities, submit receipts and we reimburse within 48 hours.

Can I add family members to my plan?

Absolutely. Family plans cover spouse, children (up to age 25 if in full-time education), and dependents. You can add members anytime during the policy year at a pro-rata premium.

Get a Health Insurance Quote

Tell us about your health insurance needs and our team will respond within 2 business hours with a tailored recommendation. Every inquiry gets a personal response from a real team member.