Overview
Medical insurance gives you and your family access to quality healthcare without the devastating financial burden that often accompanies illness or injury. Hamarkoh Insurance Agency works with Kenya's top medical underwriters to provide affordable, comprehensive health cover for individuals, families, and corporate groups. Whether you need inpatient-only cover or a full plan including outpatient, maternity, dental and optical, we tailor the plan to your health needs and budget.
Key Benefits
- Inpatient hospitalization cover at accredited hospitals
- Outpatient consultation and treatment
- Maternity and newborn care
- Dental and optical benefits
- Emergency medical evacuation
- Chronic and pre-existing condition cover (subject to waiting period)
- Access to a wide panel of hospitals across Kenya
What Is Not Covered (Exclusions)
- Cosmetic or elective procedures not medically necessary
- Experimental or unproven treatments
- Self-inflicted injuries or substance abuse treatment
- Claims arising from war or civil unrest
- Waiting periods for pre-existing conditions as per policy terms
Claims Process
Contact Hamarkoh immediately after an incident. Our claims team will guide you through gathering the necessary documents and submitting your claim. We liaise directly with the underwriter on your behalf and keep you informed at every stage until your claim is settled.