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 Without any doubt, health is the single most important asset in life. Good health is such a foundational matter in life since, without good health, it turns out to be complex to achieve any important goal. This simple, yet profound fact is the driving force behind ever-growing private health insurance in Kenya and the entire world. So, what are the most significant reasons why you need to mull over health insurance for yourself, your family, and your dependents?

• Accidents happen

It is mandatory to have health insurance coverage for the reason that accidents happen. And, accidents can have some harmful and severe effects on a person’s health. As you are already aware, genetics and germs aren’t the sole perils of health. A freak accident can even result in loss of health. In some scenarios, managing the injuries post a mishap can be a really costly affair. As you work to get back to good health, the best medical insurance in Kenya will help you to get back on your feet.

• Health is irreplaceable

Health is one of the truly irreplaceable aspects unlike the vast majority of things in life. A lot of attention is currently dedicated to encouraging healthy living habits for the reason that doctors have known that it is better to keep in good health instead of trying to fix it once broken. Some of the key sources of threats to our health include hereditary illness, communicable diseases, and lifestyle diseases.

In addition to these perils, there is also always the danger of mishaps taking place. Accidents may have long-term or short-term implications for health. In all these scenarios, a promising health insurance cover can be the help one needs should the health begin failing.

Types of health insurance plans for the general public

To target the general public, there are several kinds of insurance coverage in the health insurance sector in the country. Such plans are created to meet the needs of the ones looking for insurance covers for their families and for companies necessitating coverage for their staff. The following are the major types of insurance policies that you will find in the Kenyan market:

1. Maternity cover

The maternity cover available is typically included as an enrichment of a rudimentary health insurance policy. This cover usually meets hospitalization costs, including delivery and any contingencies such as congenital illnesses that may be due to the pregnancy. Because of its nature as an “assured risk”, maternity cover in several ways is a customer retention element utilized by insurance service providers.

2. Outpatient cover

The most common type of health insurance plan you can get by far is outpatient cover. It has been devised to protect people from liabilities linked to access to outpatient facilities. In this scenario, a person accesses health services in a clinic or hospital authorized by the insurance company, and post getting treatment the person doesn’t remain resident in the health facility.

Compared to inpatient covers, outpatient covers are disposed to be low-priced. This is for the reason that the entire expenses incurred are associated with treatment. It doesn’t have the accommodation component that typically swells the cost of outpatient coverage. However, outpatient covers don’t generally occur themselves. Generally, they are clubbed with outpatient insurance plans.

3. Inpatient cover

The policies that offer reimbursement for expenses linked to hospitalization are called inpatient covers. They come into effect when the person is admitted to the hospital. Inpatient covers are generally costly as compared to other sorts of covers. This is the reason that apart from the direct costs of treatment, they even cover people from the liabilities linked to accommodation expenses in the medical facility.

A few companies for liability insurance in Kenya necessitate people to receive consent prior to accessing inpatient facilities. In such scenarios, the company pursues to ensure that the case necessitates hospitalization, and isn’t simply a frolicsome hospitalization request.

4. Medium and high-cost covers

The most common kinds of health insurance covers in Kenya you can get are medium and high-cost covers. Typically, such covers are paid for by employers to provide their staff with a health policy as part of the salary package. The staff of a leading company normally gets higher cost coverage whereas middle and low-level staff gets medium-cost coverage. Actually, insurance providers have an advanced agenda demonstrating the cover limits versus the number of premiums.

In some scenarios, the insurance providers provide extra advantages that are otherwise found in a funeral cover, should a policyholder expire.

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