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Service · Medical & Health Insurance

Get well without the worry.

Medical cover that lets you focus on getting better, not on how you'll settle the hospital bill.

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A smiling nurse talking with a mother and her young son in a bright clinic waiting room.
Who it's for

Cover for every household.

Self-employed & freelancers

No employer scheme? Your own plan protects your savings and your income.

Families

One plan for you, your spouse and your children, with the benefits you choose.

Leaving employment or retiring

Plan ahead so you stay covered when your employer cover ends.

What's covered

What medical cover can include.

Exact benefits depend on the ICEA LION plan you choose. I'll go through every one with you.

Confirm against ICEA LION product sheet
  • Inpatient coverHospital admission, surgery, ward fees and specialist care up to your chosen limit.
  • Outpatient coverDoctor visits, prescriptions and tests without being admitted.
  • Optional benefitsAdd maternity, dental, optical or last expense depending on the plan.
  • Easy paymentsAnnual premiums, with instalment options on many plans.
Why it matters

One bill should never undo years of saving.

Most families I meet have a story: a relative's hospital stay paid for by a harambee, a chama loan or years of savings. Medical cover means that when someone falls ill, the conversation is about getting better, not about who will sell the land. Getting the right cover before you need it is one of the kindest things you can do for your family.

Illustrative scenario, not a real client.
How it works

Three simple steps.

  1. Tell me who to cover

    Ages, any existing conditions, your preferred hospitals and your budget.

  2. Compare the options

    I explain limits, waiting periods and exclusions in plain English, side by side.

  3. Use it with confidence

    I'll help you understand how to use your cover, and support you when you need to claim.

Questions

Medical Insurance FAQs.

Can't see yours? Send me a WhatsApp. I usually reply the same day.

Are there waiting periods?
Yes, most plans have waiting periods for some benefits, such as maternity or pre-existing conditions. I will explain exactly what applies to you before you buy.
Can I cover my parents?
Often yes, depending on their ages and the plan. Let me know who you want to cover and I will find out what is possible.
Does medical cover work with SHA?
Private medical cover works alongside the public scheme and can top up what it pays. I will help you understand how the two fit together.
What if I already have a condition?
Tell me upfront. Some conditions are covered after a waiting period and some are excluded. Being open avoids surprises when you claim.
Your next step

Let's build your plan together.

A free, friendly conversation. No pressure, no jargon, no obligation.

Book a Free Consultation Chat on WhatsApp