Medical cover guide

First Assurance First Med — limits, benefits and options

First Med covers individuals and families on a per-family inpatient limit, with optional outpatient, maternity, dental and optical benefits priced by age band.

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Cover typeIndividual and family

Inpatient limitsKSh 500,000 to KSh 5,000,000

Plans available5

Medical examinationApplicants aged 51 and above

First Assurance First Med — inpatient limits

Inpatient limit	Bed entitlement	Plan
KSh 500,000	Standard Ward Bed	First Med · 500K
KSh 1,000,000	Standard Ward Bed	First Med · 1M
KSh 2,000,000	Standard Private Room up to KSh 12,500/day net of SHIF	First Med · 2M
KSh 3,000,000	Standard Private Room up to KSh 15,500/day net of SHIF	First Med · 3M
KSh 5,000,000	Standard Private Room up to KSh 18,000/day net of SHIF	First Med · 5M

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 50,000, KSh 75,000, KSh 100,000, KSh 150,000, KSh 200,000
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 Med — frequently asked questions

What inpatient limits are available on First Assurance First Med?

The limits we quote are KSh 500,000 to KSh 5,000,000 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 covers a principal member, and can include a spouse and children on the same policy.

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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