Top 4 Affordable Family Medical Insurance Covers in Kenya

In Kenya today, rising healthcare costs continue to place significant pressure on families. Whether it’s emergency surgery, maternity care, or managing chronic illnesses, medical expenses can quickly drain your savings if you’re unprepared.

That’s why family medical insurance is no longer a luxury—it’s a lifesaving financial tool. But with so many options in the market, how do you choose an affordable plan without compromising on coverage?

We’ve done the heavy lifting for you by analyzing and comparing four of the most affordable and comprehensive family health insurance covers available in Kenya today: APA Afya Nafuu, AAR ShwAARi, Jubilee JCare Johari, and Old Mutual Afyaimara County Cover.

Let’s dive into each, then show you how Step by Step Insurance can help you pick the best plan for your needs and budget.

1. APA Afya Nafuu – Budget-Friendly and Flexible

Offered by APA Insurance, Afya Nafuu is built to cater to low-to-middle-income families looking for flexible, comprehensive coverage.

🔍 Key Features:

• Five plan options (Mwananchi to Affluent)
• Inpatient limits: KES 100,000 to 1,000,000
• Optional outpatient and maternity cover
• Covers chronic illnesses and HIV/AIDS after 12 months
• Funeral expenses, post-hospital care, emergency dental/optical after accidents

2. AAR ShwAARi – One Limit, All Covered

AAR Insurance’s ShwAARi is ideal for families looking for simplicity. Instead of juggling sub-limits for every service, you get one unified coverage limit for everything.

🔍 Key Features:

• Single limit for inpatient, outpatient, optical, dental, and emergencies
• No sub-limits for inpatient services
• Covers chronic and pre-existing conditions after 10 months
• No medical checkup required
• Flexible payment plans (monthly or annually)

3. Jubilee JCare Johari – Ideal for Growing Families

Jubilee Insurance’s JCare Johari is built specifically for young families needing structured, bundled health packages.

🔍 Key Features:

• Bundled inpatient + outpatient cover (mandatory)
• Maternity, dental, optical, and chronic care covered (with waiting periods)
• Last expense and personal accident cover included
• Requires treatment at listed providers

4. Old Mutual Afyaimara – Family-Focused with Strong Inpatient Support

The Afyaimara County Family Cover by Old Mutual is tailor-made for families that want strong inpatient protection, plus the option to bolt on outpatient care.

🔍 Key Features:

• Inpatient cover from KES 100,000 to 1,000,000
• Optional outpatient, dental, optical, and maternity cover
• Covers neonatal conditions, chronic illnesses, HIV/AIDS after 12 months
• Emergency air evacuation and access to overseas care (India and more)

Comparison Table: Family Medical Covers at a Glance

How Step by Step Insurance Helps You Choose the Best Cover

At Step by Step Insurance, we understand that choosing a family medical plan can be overwhelming. That’s why we partner with APA, AAR, Jubilee, and Old Mutual to help you make smart, informed decisions.

✅ Here’s how we help:

• Compare all four plans side-by-side based on your health profile and budget
• Explain exclusions and waiting periods so you’re not caught off guard
• Assist with enrollment, paperwork, and claims
• Provide customized recommendations for maternity, chronic care, or large families

🧠 Did you know? Families who use a broker like Step by Step Insurance are 38% more likely to select the right plan the first time—and avoid unnecessary costs.

Final Thoughts: Which Family Medical Cover Should You Choose?

• On a budget? APA’s Mwananchi or Old Mutual’s Option 1 plans are a great start.
• Need simple all-in-one coverage? Go with AAR ShwAARi.
• Want a complete bundle with family planning and pediatric benefits? Choose Jubilee JCare Johari.
• Planning for overseas referrals or serious conditions? Old Mutual’s Afyaimara 1M plan is your best bet.

🛡️ Your Family’s Health Is Too Important to Leave to Chance.

Let Step by Step Insurance help you secure peace of mind and protection for your loved ones—the smart, affordable way.