APA Insurance
Jamii Plus Family Medical Cover
Health cover
It pays hospital bills and clinic visits for you and your family when you fall sick.
Hear when this changes
What to watch out for
- Covers inpatient medical care up to KES 10M with optional outpatient, dental, optical, and maternity.
- Includes pre-existing, chronic, HIV/AIDS, and congenital conditions after 12 months on cover.
- Covers adults up to 80 years old and children from birth up to 17 years.
The details that matter for this kind of plan
- Maximum annual cover
- KES 500,000 to KES 10,000,000 across five tiers
- Age eligibility
- Adults 18 to 80 years; children from day 1 up to 17 years
- Hospital coverage scope
- Countrywide network plus overseas referral to partner hospitals in India
What if you stop paying?
You pay once a year. If you stop paying, your cover ends.
What if you need the money early?
You cannot cash it out. This is health cover, not savings.
Who this suits
It could work for you if
You live in Kenya. You want hospital and clinic cover for your family.
Think twice if
You are over 80 years old. It does not cover undeclared past illness.
Talk to them
- Website: www.apainsurance.org
- Phone: +254 748 664 100
Compared with the others
There are 20 other plans of this kind on the board. See all 21 side by side — what each one leaves you with, and which of them will not say.
What the documents actually say
Every figure above was read out of a document. These are the sentences, word for word, so you can check them rather than take our word for it.
“Overall maximum benefit per year 10,000,000 5,000,000 2,000,000 1,000,000 500,000”
Where we got this
- APA Jamii Plus Medical Cover Product Pagethe company itselfRead on 2026-08-27