UAP Old Mutual Health Gold

by UAP Old Mutual Insurance Kenya

★★★★☆4.1(5,630 reviews)

UAP Old Mutual is a pan-African financial services group with a significant Kenyan insurance presence. The Health Gold plan is designed for price-conscious individuals and SMEs who want reliable mid-market coverage without paying top-tier premiums. The wellness programme, including annual health screenings, differentiates UAP from pure-coverage competitors at a similar price point.

Monthly Premium

KES 3,800 – KES 12,000

Deductible

KES 1,000 – KES 4,000

Coverage Type

standard

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Coverage Details

✓Hospitalization

✓Outpatient Care

✗Dental

✗Vision

✗Mental Health

✓Maternity

✓Prescription Drugs

✓Emergency Care

✗International Coverage

✗Telehealth

Pros

✓Best value mid-market option with Old Mutual pan-African stability
✓Wellness programme with preventive health screenings
✓Reliable claims handling across Nairobi and major towns

Cons

✗Hospital network not as large as Jubilee's 700+ panel
✗International coverage excluded in standard plan
✗Digital tools less developed than market leaders

Editorial Review

“UAP Old Mutual Health Gold is the sensible mid-market pick for Kenyan families seeking solid, no-frills coverage backed by a pan-African insurer with genuine financial depth.”

— Kenya Insurance Buyer's Guide 2025

Key Highlights

✓Pan-African UAP Old Mutual group provides strong financial backing across East Africa
✓Competitive mid-market premiums with solid Nairobi hospital network
✓Wellness programme includes annual health screenings and preventive benefits