International Health Insurance That Travels With You
International health insurance in Kenya delivers comprehensive medical coverage designed to keep you protected wherever life takes you. Whether you are an expatriate, a frequent traveler, a family seeking quality care abroad, or a corporate client looking after employee health, these plans bridge the healthcare gaps in local systems with global access to top-tier medical facilities and emergency assistance.
- Ensures continuous coverage irrespective of your location, providing you with peace of mind
- Access quality care available internationally through access to a global network of hospitals and clinics
- Ideal for expatriates, Frequent travelers, families, and businesses
- Provides seamless coverage during international assignments, study abroad, or leisure travel
- Supports emergency medical evacuations, ensuring your safety in critical situations
Why People Love Us?
1500+ Businesses Insured
95%+ Client Retention Rate
30+ Years of Experience
150+ Specialist & Qualified Workforce
Data Protection Act Compliant
100+ Global Partners
Global Health Plans from Top Providers in Kenya
Kenyan residents can choose from an array of global health insurance plans crafted by prominent insurers who understand international healthcare dynamics and local needs.
- Leading insurers such as Bupa, Allianz, Cigna, April, NowHealth and AXA with a reputable global presence
- Financially strong companies providing stability and trustworthiness in claims service
- Plans that include access to thousands of hospitals and clinics worldwide
- Flexible options for individual, family, and group coverage with customisable benefits
- 24/7 multilingual customer service and support for claims and emergencies
Partnerships with Local and Global Health Networks
International insurers invest in broad networks combining local Kenyan hospitals and global healthcare providers to ensure uninterrupted medical access wherever you travel or reside.
- Integration with reputable private and public healthcare facilities across Kenya
- Collaborations with globally ranked hospitals in Europe, Asia, Africa, the Middle East and the Americas
- Electronic provider directories with real-time data for smooth appointment booking
- Coordination with medical evacuation providers and local emergency response units
- Partnerships that enable direct billing with hospitals, minimizing out-of-pocket costs
Why Choose International Health Insurance in Kenya?
Integration with NHIF and Taifa Care
International health insurance complements Kenya’s National Hospital Insurance Fund (NHIF) and newer schemes like Taifa Care, expanding both scope and quality of care without overlap.
- Acts as a top-up plan enhancing benefits provided by NHIF and Taifa Care
- Covers treatments and services excluded or partially covered by government schemes
- Allows access to private hospitals while continuing to benefit from public system coverage
- Ideal for expatriates who want to integrate local health benefits with global coverage
Tailored Coverage for Key Audience Segments
Different users require different healthcare solutions. International health plans in Kenya are tailored to serve the unique needs of individuals, families, and businesses.
Individual Expats and Frequent Travelers
- Flexible geographic zones to cover multiple or single countries
- Continuous coverage for expatriates relocating or frequent travelers crossing borders
- Coverage of routine health checks, specialist visits, emergency care, and chronic conditions
- Direct access to health providers worldwide without the hassle of reimbursement delays
Family Health Plans with Preventive Care
- Pediatric care including vaccinations and developmental screenings for children
- Maternity care, prenatal and postnatal services included
- Regular wellness checkups and immunizations integrated to promote a healthy family lifestyle
- Chronic disease monitoring and management services for all family members
Corporate Health Solutions for Expat Employees
- Group plans customisable to multinational company needs and employee demographics
- Employee assistance programs that include mental health and telemedicine support
- Efficient claims management tools tailored for human resource departments
- Wellness and productivity programs that promote employee health and reduce absenteeism
Coverage Details Made Simple
Understanding what international health insurance covers helps users make informed choices and avoid coverage gaps.
What’s Included: Routine Care, Maternity, Emergency
- General practitioner visits and specialist consultations, including diagnostic tests
- Inpatient and outpatient hospital care, surgeries, and rehabilitation
- Comprehensive maternity coverage from conception through delivery and newborn care, if part of your policy
- Emergency treatment for accidents, sudden illnesses, or life-threatening conditions
Optional Upgrades and Specialist Consultations
- Mental health services encompassing counseling, therapy sessions, and psychiatric care
- Dental and optical care packages for routine exams, treatments, and corrective lenses
- Alternative medicine options such as physiotherapy, acupuncture, and chiropractic care
- Advanced diagnostics including MRI, PET scans, and genetic testing as add-ons
Coverage for Chronic Conditions and Specialized Treatment
- Prescribed medication and therapies for managing chronic diseases like diabetes or asthma
- Regular monitoring appointments and treatment adjustments with specialized care teams
- Access to international specialty clinics for rare or complex conditions
- Support services that coordinate multidisciplinary care across borders
Repatriation Services and Medical Evacuation
- Non-emergency repatriation for medically stable patients needing continuity of care at home
- Emergency air and ground transport services coordinated with local and foreign providers
- Coverage of logistical and medical costs associated with repatriation
- Assistance with arranging hospital admissions or home care upon return
Travel Insurance vs International Health Insurance
Clarifying the differences helps understand when each product is appropriate and how they work together.
Who Should Consider Travel Insurance?
- Short-term travelers and tourists needing emergency health and travel risk protection
- Coverage for trip cancellations, lost luggage, flight delays, and ambulance transport abroad
- Designed as a temporary safeguard during travel periods
Who Needs International Health Insurance?
- Expats, long-stay residents, and frequent international travelers seeking ongoing healthcare access
- Comprehensive coverage including preventive care, chronic disease support, and specialist treatments
- Coverage that applies both in home country and abroad
Can Both Be Held Simultaneously?
- Yes, travel insurance supplements international health insurance by covering travel-specific risks
- Having both ensures all aspects of travel and health-related incidents are fully covered
- Ensures peace of mind both during trips and in daily life internationally
Building Trust and Credibility
Reputation and client experience are critical in choosing an international health insurance provider.
Verified Client Testimonials and Case Studies
- Customer success stories featuring smooth claims processing and encrypted support
- Real-life examples of medical evacuations and emergency treatments made hassle-free
- Testimonials highlighting insurer responsiveness and coverage reliability
Successful International Claims and Evacuations
- Case studies demonstrating rapid emergency air ambulance deployment
- Proven record of claims settlements without undue delays or rejections
- Positive feedback on coordination between patient, provider, and insurer
Certifications, Compliance, and Security Standards
- Licensed insurers and brokers following Kenyan and international insurance regulations
- Data Protection Act compliant, in addition to upholding high standards for client data protection
- Transparent policies on policyholder rights and insurer obligations
Why Partner with an Experienced Brokers Like Lifecare International
Working with seasoned and experienced brokers enhances service quality and helps navigate complex international insurance options. Lifecare International has been in the market for international health insurance in Kenya for over 30 years.
Personalized Plan Customization and Consultancy
- Expert analysis of individual or corporate healthcare needs with tailored recommendations
- Advice on plan features, geographic coverage, and provider networks
- Regular reviews to adapt coverage as family or business needs change
Fast Claims Processing and Support
- Dedicated customer service teams specialized in international health claims
- Digital platforms for uploading documents and tracking claim progress
- Reduces paperwork burden and approval wait times for policyholders
Virtual Consultations and Telehealth Services
- Access to qualified medical professionals remotely for timely diagnosis and advice
- Integration of telemedicine benefits in many plans to enhance convenience
- Enables care access when physical hospitals are not convenient or feasible
Flexible Cost Options Without Compromising Coverage
- Multiple pricing tiers to suit different budgets and coverage requirements
- Annual, semi-annual, or monthly payment plans to ease financial planning
- Balanced affordability while maintaining comprehensive benefits and access
Optimise Your Coverage Experience
Choosing the right international health plan should be simple, easy, and transparent. Insurance can be complicated, let us simplify it for you.
Speak to an Advisor: Multiple Contact Options
- Phone, live chat, and email support providing responsive communication channels
- Expert consultations to explain technical terms and coverage nuances
- Personalised sessions to assist during policy selection and enrollment
Seamless Application and Onboarding Process
- Streamlined digital application forms optimised for desktop and mobile devices
- Fast underwriting and policy issuance with transparent timelines
- Onboarding support, ensuring clients understand their coverage and benefits
What Our Clients Say About Us?
Trusted Partners
Lifecare collaborates with internationally respected brands, offering unmatched reach for medical coverage and assistance:
Clients Who Have Trusted Us
Frequently Asked Questions (FAQs)
1. What does international health insurance typically cover?
It covers inpatient, outpatient, emergency, and specialist treatments both locally and abroad. Options include dental, maternity, and optical cover.
2. Are pre-existing conditions covered under these plans?
Coverage depends on plan specifics and underwriting; some include them after a waiting period.
3. Are elective or cosmetic procedures covered?
These are typically excluded unless added as optional coverage in your policy.
4. How do these plans complement SHA, NHIF and Taifa Care?
They complement local schemes by covering excluded treatments and services, including accessing treatment at private healthcare facilities.
5. Do Kenyan hospitals accept international health insurance plans?
Many private hospitals in Kenya work with these providers for direct billing and easy access.
6. Can I use both public and private healthcare with these plans?
Yes, they coordinate benefits across public and private providers without coverage conflicts.
7. What is the process for filing claims?
Submit claims electronically via broker or insurer with required medical documentation.
8. How do I access emergency medical support abroad?
Contact the insurance provider’s round-the-clock emergency hotline for immediate assistance, coordination, and evacuation services.
9. Are there direct billing arrangements with providers?
Yes, many plans offer direct billing to minimise out-of-pocket or pay-and-claim costs at hospitals.
Ready to Get Started?
Get the Best International Health Insurance – Tailored Just for You
With Lifecare International, you gain more than a policy. You gain a partner committed to safeguarding your health wherever life takes you. Whether you are moving abroad for a new opportunity or seeking adventure, let us help you do it clearly and confidently.
