HeriAfya Standard — limits, benefits and options
HeriAfya Standard is Heritage's core individual and family plan, with inpatient limits from KSh 500,000 and optional outpatient, maternity, dental and optical benefits.
HeriAfya Standard — inpatient limits
| Inpatient limit | Bed entitlement | Plan |
|---|---|---|
| KSh 500,000 | General ward | HeriAfya Standard · 500,000 |
| KSh 750,000 | General ward | HeriAfya Standard · 750,000 |
| KSh 1,000,000 | Private room subject to plan schedule | HeriAfya Standard · 1,000,000 |
| KSh 1,500,000 | Private room subject to plan schedule | HeriAfya Standard · 1,500,000 |
| KSh 2,000,000 | Private room subject to plan schedule | HeriAfya Standard · 2,000,000 |
| KSh 2,500,000 | Private room subject to plan schedule | HeriAfya Standard · 2,500,000 |
| KSh 3,000,000 | Private room subject to plan schedule | HeriAfya Standard · 3,000,000 |
| KSh 5,000,000 | Private room subject to plan schedule | HeriAfya Standard · 5,000,000 |
| KSh 7,500,000 | Private room subject to plan schedule | HeriAfya Standard · 7,500,000 |
| KSh 10,000,000 | Private room subject to plan schedule | HeriAfya Standard · 10,000,000 |
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, KSh 250,000, KSh 300,000, KSh 350,000
- 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
- HeriAfya Junior, Senior, Standard and Corporate medical cover options
- Published 2026 plan limits and rate schedules
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
- Waiting periods vary by HeriAfya product schedule
Co-payment, where it applies
- KSh 1,000 at Aga Khan Nairobi, Kisumu & Mombasa, Nairobi Hospital, Gertrude’s, MP Shah, Mater and Karen Hospital
- KSh 500 at all other providers
HeriAfya Standard — frequently asked questions
What inpatient limits are available on HeriAfya Standard?
Can I add outpatient, maternity, dental or optical cover?
Who can be covered?
How is the premium paid?
How long does cover take to start?
Related guides
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