50 Best
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Best Health Insurance in Kenya

6 insurers ranked and reviewed ยท Updated May 2026

Sources:Insurance Regulatory Authority (IRA) KenyaAssociation of Kenya Insurers (AKI) Awards

Healthcare System Overview

Kenya's health insurance system is transitioning from the National Health Insurance Fund (NHIF) to the Social Health Authority (SHA) for public coverage. Private health insurance is robust and growing, driven by employer-sponsored plans and rising middle-class demand. Over 50 companies operate in the market, with health insurance being one of the fastest-growing segments.

#1

Jubilee Health Insurance

private1.9M members
92Score
IRA: #1 Health Insurer in Kenya(2026)
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Market Share

17%

Listed On

Nairobi Securities Exchange (NSE)

Plans

J-Care, J-Care Johari

  • Largest health insurer in Kenya by market share (17%)
  • Diverse plans: J-Care and J-Care Johari
  • Comprehensive coverage: inpatient, outpatient, maternity, dental, optical
  • Strong family-friendly packages
#2

Britam

private1.0M members
88Score
AKI Awards 2025: Top Honors(2025)
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Listed On

Nairobi Securities Exchange (NSE)

Flagship Plan

Milele plans

Profit

KSh 2.5B pre-tax (H1 2025)

  • Milele plans tailored for individuals to large organizations
  • AKI Awards 2025 winner for Life and General Insurance
  • Comprehensive: inpatient, outpatient, dental, optical, maternity
  • Diversified financial services including asset management
#3

AAR Insurance

private1.2M members
85Score
IRA: Pioneer in Medical Insurance(2026)
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Market Share

~14%

Founded

1984 โ€” pioneer in medical insurance

Specialty

Wellness programs & telemedicine

  • Pioneer in medical insurance in Kenya (since 1984)
  • Innovative wellness programs and telemedicine
  • Strong outpatient and inpatient plans
  • Good hospital accessibility nationwide
#4

APA Insurance

private800K members
80Score
IRA: 4th Largest Health Insurer(2026)
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Market Share

11.45%

Ranking

4th largest health insurer

Add Ons

Maternity, optical, dental

  • 4th largest health insurer in Kenya (11.45% market share)
  • Comprehensive coverage with optional add-ons
  • Maternity, optical, and dental available as add-ons
  • Strong in both personal and corporate insurance
#5

CIC Insurance Group

private600K members
72Score
IRA: Strong in SACCO & Cooperative Sector(2026)
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Founded

1968 (as Co-operative Insurance Company)

Specialty

SACCO & cooperative sectors

Focus

Affordable family & SME plans

  • Affordable medical plans for families, individuals, and SMEs
  • Strong presence in SACCO and cooperative sectors
  • Flexible payment options for members
  • Solid claims settlement history
#6

Madison Insurance

private350K members
65Score
IRA: Established Health Insurer(2026)
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Market Share

~4.22%

Ownership

Locally owned

Focus

SMEs & individuals

  • Affordable and simple health plan structures
  • Strong in small business and individual segments
  • Locally owned financial services company
  • Wealth management + insurance bundling

About Health Insurance in Kenya

Kenya's health insurance system is transitioning from the National Health Insurance Fund (NHIF) to the Social Health Authority (SHA) for public coverage. Private health insurance is robust and growing, driven by employer-sponsored plans and rising middle-class demand. Over 50 companies operate in the market, with health insurance being one of the fastest-growing segments.

Our editorial team has evaluated and ranked the top 6 health insurers in Kenya based on editorial ratings from trusted sources, customer satisfaction, financial strength, and coverage quality. Rankings are updated regularly to reflect the latest market changes.

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