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Medical Insurance
AfyaImara County Cover
Old Mutual
Affordable family medical insurance with inpatient cover and optional outpatient benefits.
Estimate your family medical premium
Choose your inpatient option, family members and optional outpatient cover. The estimate follows the premium tables in the supplied brochure.
The brochure says the principal member is the oldest insured person. Persons over 60 need a medical report.
Inpatient cover must be selected before adding outpatient cover.
One legal spouse aged 18–65 at joining may be included.
Own children aged 0–18. The outpatient premium table covers up to six people in total.
AfyaImara County, in simple terms
Hospital careInpatient and day-patient treatment, hospital accommodation, surgery, ICU/HDU and emergency evacuation subject to selected limits.
Outpatient careOptional limits of KES 25,000, KES 40,000 or KES 50,000, including routine consultations, diagnostics, drugs, dental and optical benefits according to the option.
Family benefitsMaternity under eligible options, chronic and pre-existing conditions, HIV/AIDS, neonatal and prematurity benefits, and last expense per member subject to policy limits.
Network and co-payAccess is restricted to the selected Old Mutual hospital panel. The brochure lists a KES 200 co-pay for all outpatient visits.
Waiting periods include 28 days for illness claims and 60 days for surgical claims; many listed benefits have a one-year waiting period. Eligibility is stated as birth to age 65; people over 60 require a medical report. Premium payment is upfront, with instalment financing facilitated. Exclusions, hospital-panel rules and full policy terms apply. This calculator is an estimate, not an official offer.
Overview
AfyaImara County is an enhanced medical insurance cover designed for families. Inpatient limits range from KES 100,000 to KES 1,000,000, with optional outpatient cover from KES 25,000 to KES 50,000.
How it works
Choose the principal member age band and inpatient limit, then add a legal spouse and children if needed. Optional outpatient cover can be added only within the limit allowed by the selected inpatient option. The estimator uses the brochure premium tables and adds 0.45% levy and KES 40 stamp duty.
Fees and charges
Inpatient premiums depend on age band and cover option. Spouse premiums depend on the principal member age band and selected option; the brochure provides a fixed child premium by inpatient option. Outpatient premiums depend on total covered family size and outpatient limit. The estimate adds a 0.45% levy and KES 40 stamp duty.
Risks and important considerations
Waiting periods include 28 days for illness claims and 60 days for surgical claims. Many specific benefits have one-year waiting periods. General exclusions include infertility treatment, cosmetic surgery unless caused by accident, weight management, self-referred treatment, alternative treatment, and expenses recoverable under other insurance. Full policy exclusions and benefit limits apply.
Eligibility and how to apply
The brochure states eligibility from birth to age 65. A legal spouse aged 18–65 at joining and own children aged 0–18 may be covered. Persons over 60 need a medical report. It states clients are on cover up to age 70; confirm age and renewal details with Old Mutual.
Frequently asked questions
What are the inpatient limits?
KES 100,000, 250,000, 500,000 or 1,000,000.
Is outpatient compulsory?
No. It is optional, but inpatient must be purchased first.
What outpatient limits are available?
KES 25,000, 40,000 and 50,000, restricted by the selected inpatient option.
Is this a confirmed quote?
No. This is an estimate based on the brochure premium tables; Old Mutual must confirm eligibility and final terms.
KES 100,000, 250,000, 500,000 or 1,000,000.
Is outpatient compulsory?
No. It is optional, but inpatient must be purchased first.
What outpatient limits are available?
KES 25,000, 40,000 and 50,000, restricted by the selected inpatient option.
Is this a confirmed quote?
No. This is an estimate based on the brochure premium tables; Old Mutual must confirm eligibility and final terms.
MoneyVersations provides educational information, not a guarantee of returns or a substitute for individualized financial advice. Investment values and returns may fluctuate; insurance cover is subject to policy terms, exclusions and conditions.