Medical cover guide
First Assurance First Afya Biashara — limits, benefits and options
First Afya Biashara is First Assurance's group scheme for businesses, priced per family by family size (M+0 upwards) with optional outpatient, maternity, dental and optical benefits.
Cover typeGroup and SME
Inpatient limitsKSh 250,000 to KSh 10,000,000
Plans available13
Medical examinationApplicants aged 51 and above
First Assurance First Afya Biashara — inpatient limits
| Inpatient limit | Bed entitlement | Plan |
|---|---|---|
| KSh 250,000 | Standard ward bed net of SHIF | First Afya Biashara · KSh 250K |
| KSh 300,000 | Standard ward bed net of SHIF | First Afya Biashara · KSh 300K |
| KSh 400,000 | Standard ward bed net of SHIF | First Afya Biashara · KSh 400K |
| KSh 500,000 | Standard ward bed net of SHIF | First Afya Biashara · KSh 500K |
| KSh 750,000 | Standard ward bed net of SHIF | First Afya Biashara · KSh 750K |
| KSh 1,000,000 | Private Standard Room up to KSh 13,000/day net of SHIF | First Afya Biashara · KSh 1M |
| KSh 1,500,000 | Private Standard Room up to KSh 13,500/day net of SHIF | First Afya Biashara · KSh 1.5M |
| KSh 2,000,000 | Private Standard Room up to KSh 17,000/day net of SHIF | First Afya Biashara · KSh 2M |
| KSh 3,000,000 | Private Standard Room up to KSh 18,000/day net of SHIF | First Afya Biashara · KSh 3M |
| KSh 4,000,000 | Private Standard Room up to KSh 19,000/day net of SHIF | First Afya Biashara · KSh 4M |
| KSh 5,000,000 | Private Standard Room up to KSh 22,500/day net of SHIF | First Afya Biashara · KSh 5M |
| KSh 7,500,000 | Ensuite Room up to KSh 23,500/day net of SHIF | First Afya Biashara · KSh 7.5M |
| KSh 10,000,000 | Ensuite Room up to KSh 26,500/day net of SHIF | First Afya Biashara · KSh 10M |
Premiums depend on the members covered and their ages, so the price for a limit is confirmed in your quotation.
Optional benefits you can add
Depending on the plan you choose, the following can be added to the inpatient cover:
- Outpatient: KSh 30,000, KSh 50,000, KSh 75,000, KSh 100,000, KSh 150,000, KSh 200,000, KSh 250,000, KSh 300,000, KSh 350,000, KSh 400,000, KSh 450,000, KSh 500,000
- Maternity: KSh 50,000, KSh 60,000, KSh 75,000, KSh 80,000, KSh 100,000, KSh 120,000, KSh 150,000, KSh 175,000, KSh 200,000, KSh 250,000, KSh 300,000
- Dental: KSh 5,000, KSh 7,500, KSh 10,000, KSh 15,000, KSh 20,000, KSh 30,000, KSh 40,000, KSh 50,000
- Optical: KSh 5,000, KSh 7,500, KSh 10,000, KSh 15,000, KSh 20,000, KSh 30,000, KSh 40,000, KSh 50,000
What the cover includes
- First Med and First Afya Biashara medical covers
Benefit sub-limits (pre-existing conditions, chronic conditions, maternity, psychiatric care, last expense and so on) are printed on every quotation we issue and are listed in the insurer's brochure.
Waiting periods
- See applicable product schedule
Co-payment, where it applies
- See applicable product schedule
First Assurance First Afya Biashara — frequently asked questions
What inpatient limits are available on First Assurance First Afya Biashara?
The limits we quote are KSh 250,000 to KSh 10,000,000 per year. Each limit is a separate plan with its own benefits schedule, so the premium and the sub-limits change with the limit you pick.
Can I add outpatient, maternity, dental or optical cover?
Yes. Depending on the plan, optional benefits can be added at the amounts listed above. Outpatient cover is normally required before dental or optical benefits can be selected.
Who can be covered?
This product is a group scheme, so cover is arranged for a business with a minimum number of families or employees. The quote engine shows the family sizes and head count the insurer accepts.
How is the premium paid?
Premiums are paid directly to First Assurance using the payment details printed on your quotation. Now Insurance Agency does not receive or handle client payments.
How long does cover take to start?
Cover is typically confirmed within 1 to 5 working days after payment or IPF settlement and receipt of complete documents, subject to the insurer's underwriting and acceptance.
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