Medical cover guide
First Assurance medical insurance in Kenya
Compare every First Assurance plan we quote — inpatient limits, bed entitlement, optional benefits, waiting periods and co-payments — then get a personalised quotation in minutes.
Cover typesGroup and SME / Individual and family
Products2
Inpatient limitsKSh 250,000 to KSh 10,000,000
Bed entitlementStandard Ward Bed · Standard Private Room up to KSh 12,500/day net of SHIF · Standard Private Room up to KSh 15,500/day net of SHIF
Medical examinationApplicants aged 51 and above
First Assurance products we quote
Individual and family
First Assurance First Med
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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Group and SME
First Assurance First Afya Biashara
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.
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Plans, limits and bed entitlement
First Assurance First Med
| Inpatient limit | Plan | Bed entitlement |
|---|---|---|
| KSh 500,000 | First Med · 500K | Standard Ward Bed |
| KSh 1,000,000 | First Med · 1M | Standard Ward Bed |
| KSh 2,000,000 | First Med · 2M | Standard Private Room up to KSh 12,500/day net of SHIF |
| KSh 3,000,000 | First Med · 3M | Standard Private Room up to KSh 15,500/day net of SHIF |
| KSh 5,000,000 | First Med · 5M | Standard Private Room up to KSh 18,000/day net of SHIF |
First Assurance First Afya Biashara
| Inpatient limit | Plan | Bed entitlement |
|---|---|---|
| KSh 250,000 | First Afya Biashara · KSh 250K | Standard ward bed net of SHIF |
| KSh 300,000 | First Afya Biashara · KSh 300K | Standard ward bed net of SHIF |
| KSh 400,000 | First Afya Biashara · KSh 400K | Standard ward bed net of SHIF |
| KSh 500,000 | First Afya Biashara · KSh 500K | Standard ward bed net of SHIF |
| KSh 750,000 | First Afya Biashara · KSh 750K | Standard ward bed net of SHIF |
| KSh 1,000,000 | First Afya Biashara · KSh 1M | Private Standard Room up to KSh 13,000/day net of SHIF |
| KSh 1,500,000 | First Afya Biashara · KSh 1.5M | Private Standard Room up to KSh 13,500/day net of SHIF |
| KSh 2,000,000 | First Afya Biashara · KSh 2M | Private Standard Room up to KSh 17,000/day net of SHIF |
| KSh 3,000,000 | First Afya Biashara · KSh 3M | Private Standard Room up to KSh 18,000/day net of SHIF |
| KSh 4,000,000 | First Afya Biashara · KSh 4M | Private Standard Room up to KSh 19,000/day net of SHIF |
| KSh 5,000,000 | First Afya Biashara · KSh 5M | Private Standard Room up to KSh 22,500/day net of SHIF |
| KSh 7,500,000 | First Afya Biashara · KSh 7.5M | Ensuite Room up to KSh 23,500/day net of SHIF |
| KSh 10,000,000 | First Afya Biashara · KSh 10M | Ensuite Room up to KSh 26,500/day net of SHIF |
What First Assurance cover includes
- First Med and First Afya Biashara medical covers
Waiting periods
- See applicable product schedule
Co-payment, where it applies
- See applicable product schedule
Pay to Insurers and Share Proof
Cover is arranged through First Assurance 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.
First Assurance medical cover — frequently asked questions
How do I get a First Assurance medical cover quotation?
Use our online quote form. Choose who is covered, the inpatient limit and any optional benefits, and every suitable First Assurance plan is priced side by side with a downloadable quotation.
What inpatient limits does First Assurance 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 First Assurance 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 First Assurance: applicants aged 51 and above. Where a form is needed we send it with your application pack.
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