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Medical Insurance & Group Health Cover

Medical insurance (also known as health insurance) provides financial protection against medical expenses resulting from illness or injury, whether for an individual or as part of a group. It helps ease the burden of rising healthcare costs, ensuring you or your dependants can access quality medical care when needed.


Most plans include:

  • Inpatient care – Hospital admission and related treatment.
  • Outpatient care – Consultations, diagnostic tests, and minor procedures done without admission.




Does Medical Insurance Cover All Bills?

Not all medical plans cover every type of treatment.

Coverage depends on the selected benefits and the premium paid. It’s essential to review your policy documents carefully to understand:

  1. What is covered
  2. Applicable limits
  3. Any exclusions

Many policies allow for enhanced benefits such as:

  • Optical and dental treatment
  • Maternity cover
  • Chronic and pre-existing conditions
  • Psychiatric care
  • Congenital conditions


Common exclusions may include cosmetic procedures, family planning, and unregistered or unlicensed treatments.

  Can I Purchase Inpatient Benefits Alone?

Yes, you can.

Inpatient cover can be purchased on its own.

However, outpatient benefits must be purchased alongside inpatient cover, not as a standalone option.


Benefit Limits (Indicative Ranges)

  • Inpatient Benefits: KES 50,000 – KES 10,000,000
  • Outpatient Benefits: KES 25,000 – KES 300,000


Specific limits vary by insurer and policy.

Ready to Get Covered?

Whether you're an individual, a family, or a company seeking group medical cover, Wealthwise Nexus will guide you in selecting a plan that suits your needs and budget.

Get in touch with us today and let us help you secure the healthcare protection you deserve.