For the Kamau family, the decision came after a difficult year of stretched public-hospital queues and unexpected specialist bills. They began asking a question more Kenyan households are confronting: is comprehensive private health cover worth the premium?
Comprehensive plans promise high annual limits, access to private and referral hospitals, and optional extras such as maternity, dental and optical care. For families wanting certainty and choice, the appeal is obvious. The cost, however, is a serious commitment — premiums for the highest tiers run into the tens of thousands of shillings each year.
Insurance advisers say the right level of cover depends heavily on family size, ages and existing health needs — which is why these plans are rarely a quick, off-the-shelf purchase. "This is a decision worth talking through," says adviser Caroline Wambui. "A short conversation usually saves people money and matches them to the right tier."
Because the choices are more involved, comprehensive cover is typically arranged with a consultant who can tailor the plan, advise on riders, and confirm current rates — rather than completed in a few taps on a phone.
For the Kamaus, the value became clear during their first specialist referral, handled without a deposit or delay. "It changed how we experience being unwell," says Peter Kamau. "But getting advice first made all the difference in choosing the right plan."
