Britam
Milele Health
Health cover · Regulated by the IRA
Medical cover in five plans. The dearer plans open more hospitals to you and add cover the cheaper ones leave out.
Hear when this changes
How the options differ
| Option | Also |
|---|---|
| Platinum | Open hospital access. Critical illness cash on all inpatient limits. Full mental health cover including rehabilitation. |
| Gold | Open hospital access. Critical illness cash on all inpatient limits. Full mental health cover including rehabilitation. |
| Silver | Critical illness cash only on the 5M and 10M limits. |
| Bronze | No critical illness cash benefit. |
| Essential | No critical illness cash benefit. |
The details that matter for this kind of plan
- Hospitals
- The top plans give open access, including Aga Khan, Nairobi, MP Shah and Mater
- Mental health
- Therapy, inpatient psychiatric care and rehabilitation on the higher plans
What if you stop paying?
The cover stops at the end of the year you paid for.
What if you need the money early?
Nothing builds up. This is cover you buy each year.
Who this suits
It could work for you if
You want to pick how much hospital access and extra cover you pay for.
Think twice if
You want critical illness cover on a cheap plan. Bronze and Essential do not have it.
What they tell you
- Do they say who regulates them?Yes — the IRA. That is who you complain to.
Talk to them
- Website: ke.britam.com
- Phone: 0705100100
- Email: customerservice@britam.com
- If something goes wrong, the IRA is who supervises them.
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.
Where we got this
- Britam: Milele Health, the five plan tiers and what each includesthe company itselfRead on 2026-08-28