No, medical insurance is not legally mandatory in Kenya, but it is strongly recommended. Without it, individuals and families face high out-of-pocket expenses during illness or emergencies. Medical cover offers peace of mind, financial protection, and access to quality healthcare services nationwide.

Inpatient cover pays for hospital admission-related expenses such as surgeries, overnight stays, ICU, and specialist care.
Outpatient cover, on the other hand, applies to day-to-day medical needs—like doctor consultations, lab tests, prescriptions, and minor procedures that don’t require admission. Both can be bundled under one medical plan for full coverage.

Yes, you can still get covered, but pre-existing conditions may be subject to a waiting period or may not be covered immediately. Different insurers apply different terms, which is why OWNIT helps clients compare policies to find the most suitable option, especially for those managing chronic or long-term conditions.

Every interaction is built on trust, transparency, and efficiency—qualities recognised industry-wide. In 2023, Jubilee Health Insurance awarded OWNIT the top position in medical retention across policy count and premium growth. Such recognition reflects a consistent commitment to delivering exceptional client experience.

• Responsive communication ensures clarity during onboarding, renewals, and claims
• Educational support empowers clients to understand policy terms before committing
• Smart card processing (physical or virtual) happens within agreed turnaround time
• Dedicated coordination bridges clients, hospitals, and insurers—eliminating service disruptions
• Tailored recommendations come with zero bias, putting clients’ interests first every time

For Individuals and Families:

1. Provide basic details (ID, date of birth, dependents, etc.)
2. Review options from Kenya’s top medical insurers
3. Select a package, make payment, and receive your medical card

For Employers and Groups:

1. Submit your staff list and preferred coverage levels
2. Receive a custom group plan proposal
3. Enrol staff, initiate benefits, and receive ongoing support throughout the year