Medical cover guide

Britam medical insurance in Kenya

Compare every Britam plan we quote — inpatient limits, bed entitlement, optional benefits, waiting periods and co-payments — then get a personalised quotation in minutes.

Get a Britam quote See plans and limits

Cover typesChildren only / Group and SME / Individual and family

Products3

Inpatient limitsKSh 300,000 to KSh 10,000,000

Bed entitlementPer plan schedule

Medical examinationAs advised by the insurer

Britam products we quote

Individual and family Britam Milele Family Britam Milele family cover is sold in Silver, Gold and Platinum grades, each available at every inpatient limit from KSh 300,000 to KSh 10,000,000 per family. Read the guide → Children only Britam Milele Junior Britam Milele Junior covers children only, with inpatient limits from KSh 500,000 to KSh 5,000,000 and optional outpatient, dental and optical benefits. Read the guide → Group and SME Britam Milele SME Britam Milele SME is a group scheme for businesses, with inpatient limits from KSh 300,000 to KSh 10,000,000 per employee and a three-tier co-payment structure. Read the guide →

Plans, limits and bed entitlement

Milele grades and the limits available

Plan grade	Inpatient limits
Gold	KSh 300,000, KSh 500,000, KSh 1,000,000, KSh 2,000,000, KSh 3,000,000, KSh 5,000,000, KSh 10,000,000
Platinum	KSh 300,000, KSh 500,000, KSh 1,000,000, KSh 2,000,000, KSh 3,000,000, KSh 5,000,000, KSh 10,000,000
Silver	KSh 300,000, KSh 500,000, KSh 1,000,000, KSh 2,000,000, KSh 3,000,000, KSh 5,000,000, KSh 10,000,000

What Britam cover includes

Inpatient cover (up to limit)
Accident cover
Acute conditions
Chronic cover
Psychiatric cover
Post-hospitalisation
Air Evacuation
24hr Customer Service
Cancer cover
HIV / AIDS cover
Maternity (optional)
Dental (optional)
Optical (optional)
Critical illness cash benefit (optional)

Waiting periods

30d acute
12m chronic
10m maternity
3m newly diagnosed
24m critical illness

Pay to Insurers and Share Proof

Cover is arranged through Britam and the premium is paid directly to the insurer — by the payment methods printed on your quotation — never to Now Insurance Agency. We prepare the application, check it against the insurer's requirements and follow it through to activation. Cover is typically confirmed within 1 to 5 working days of payment and complete documents, subject to insurer underwriting and acceptance.

After paying, share your proof of payment with us so we can follow the application up with the insurer. See the payment details for every insurer, or check the provider network before you choose a limit.

Britam medical cover — frequently asked questions

How do I get a Britam medical cover quotation?

Use our online quote form. Choose who is covered, the inpatient limit and any optional benefits, and every suitable Britam plan is priced side by side with a downloadable quotation.

What inpatient limits does Britam offer?

The limits available on our quotation are listed in the plans table above. Each limit is a separate plan with its own benefits schedule, and the premium changes with the limit, the members covered and their ages.

Are outpatient, maternity, dental and optical benefits included?

They are chosen separately on top of the inpatient cover. Where a plan offers them, the selectable amounts are listed above; the premium is shown before you apply.

How is the premium paid?

Premiums are paid directly to Britam using the payment details printed on your quotation. Now Insurance Agency never collects client payments. Once you pay, send us the confirmation and we follow up on cover processing.

Does anyone need a medical examination?

Medical examination requirements for Britam: as advised by the insurer. Where a form is needed we send it with your application pack.

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