Kenya · InsuranceHealthInsurance
500+ hospitals. 2-hour pre-auth. Medical cover that actually works.
Trusted Cover
Kenya · Acentria
About This Cover
Why Health Insurance?
Medical bills are the number one cause of financial distress for Kenyan families. A single hospitalisation can cost KES 300,000 or more. Acentria Health Insurance means you never have to choose between the best care and your savings. Our network spans 500+ hospitals across Kenya, pre-authorisation takes under 2 hours, and our corporate desk handles your staff scheme so you don't have to.
"500+ hospitals. 2-hour pre-auth. Medical cover that actually works."
Coverage Details
What's Covered
Health Insurance covers a wide range of risks to give you and your loved ones complete peace of mind.
Inpatient and outpatient cover
Maternity and newborn care
Dental and optical benefits
Mental health and counselling services
Chronic disease management
Pre-existing condition cover (after waiting period)
Access to 500+ hospitals nationwide
International medical evacuation
Wellness and preventive care programmes
24/7 telemedicine consultation
Flexible Options
Which Plan Is Right for You?
Choose the plan that fits your life stage, budget, and goals. All plans are backed by Acentria's service promise.
Family & Individual Covers
Tailored medical plans for individuals and families with comprehensive inpatient, outpatient, dental, and optical benefits.
- Inpatient up to KES 10M
- Outpatient included
- Maternity cover
- Dental & optical
Corporate Covers
Group medical schemes designed for employers. Customizable benefits, flexible group sizes, and dedicated account management.
- Group inpatient & outpatient
- Staff wellness programmes
- Chronic disease management
- Dedicated claims desk
International Medical Cover
Global health coverage for expatriates, frequent travellers, and those seeking treatment abroad.
- Worldwide hospital access
- Medical evacuation
- Cancer & transplant cover
- Direct billing at partner hospitals
Junior Medical Covers
Dedicated medical plans for children aged 0–18 covering vaccinations, dental, optical, and paediatric care.
- Vaccination cover
- Paediatric inpatient
- Dental & optical
- Growth monitoring
Seniors Medical Covers
Specialised health plans for individuals aged 60+ with enhanced chronic disease, geriatric care, and home nursing benefits.
- Chronic disease cover
- Geriatric care
- Home nursing
- Physiotherapy
Micro Covers / SME
Affordable group medical cover for small businesses and micro-enterprises with as few as 5 employees.
- Groups from 5 lives
- Basic inpatient & outpatient
- Maternity optional
- M-Pesa premium payments
Why Acentria
Why Choose Us
Extensive Hospital Network
Access over 500 hospitals, clinics, and pharmacies across Kenya with direct billing — no out-of-pocket payments.
Fast Claims Processing
Our health claims team settles pre-authorisations within 2 hours and reimburses out-of-network claims within 7 days.
Wellness Programmes
Complimentary health screenings, fitness benefits, and chronic disease management for all policyholders.
Simple Process
Getting Covered Is Simple
Get a Quote
Fill in a simple online form or call us. Receive a personalised quote within minutes.
Choose Your Plan
Compare plans, pick the level of cover that fits your life stage and budget.
Get Covered
Pay your premium, receive your policy instantly, and enjoy peace of mind from day one.
Common Questions
Frequently Asked
We have all the answers. If you don't find yours here, our specialists are a call away.
Instant Estimate
How Much Will It Cost?
Get an indicative premium in seconds — no forms, no callbacks.
Premium Calculator
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Indicative premiums — final pricing subject to underwriting
Estimated Premium
Indicative only. Exact premium confirmed at application.
No commitment · 2-minute form
Proof, Not Promises
Real Claims. Real Outcomes.
Every number represents a real client we helped get back on their feet. Details anonymised to protect privacy.
Motor — Comprehensive Claim
SME Fleet Owner
A Nairobi-based SME fleet owner suffered a serious rear-end collision on the Thika Superhighway. Acentria lodged the claim, appointed an approved repairer, and managed all insurer correspondence. The full repair cost was paid and the vehicle returned to the road in 12 working days — minimising lost business income.
Amount Paid
KES 1,850,000
Settlement
12 days
Health — Emergency Hospitalisation
Corporate Professional
A Nairobi-based corporate professional required an emergency appendectomy at Aga Khan Hospital. Acentria obtained pre-authorisation within 2 hours of notification. The hospital bill was settled directly with the insurer — the client paid nothing out of pocket and was discharged within 5 days.
Amount Paid
KES 340,000
Settlement
5 days
Home — Burglary & Theft
Private Individual
A Karen homeowner returned from travel to find electronics and valuables stolen during a break-in. Acentria lodged the police abstract and supported the client through the claims documentation. New-for-old replacement at current market value was settled in 8 working days — no depreciation applied.
Amount Paid
KES 680,000
Settlement
8 days
Business — Fire & Business Interruption
Industrial Area SME
An electrical fire at an Industrial Area warehouse destroyed a significant portion of stock. Acentria appointed a specialist loss adjuster within 24 hours and activated the business interruption cover simultaneously. Stock replacement and ongoing business expenses were paid throughout the rebuild — total settlement reached in 18 working days.
Amount Paid
KES 4,200,000
Settlement
18 days
Have a claim to report? Report it here →
Authorised & Regulated
Fully Licensed Across Africa
Acentria operates under the regulatory oversight of the relevant national insurance authorities in every market we serve — so your cover is always backed by law.
2025 Claims Performance
Backed By The Best
Our Reinsurance & Partner Network
Acentria's capacity is supported by the world's largest reinsurers and trusted African financial institutions — so every claim is backed by solid capital.
Reinsurer
Reinsurer
Reinsurer
Reinsurer
Client Stories
Trusted by Thousands Across Africa
Acentria's motor insurance claim was processed in under 24 hours. Their team guided me through every step — truly outstanding service.
David Mwangi
Fleet Manager, Transline Group
Our company has relied on Acentria for group life and health cover for three years. They understand the African insurance landscape better than anyone.
Grace Kamau
Head of HR, Safaricom PLC
Where We Are
Our Offices Across Africa
Every office commits to our service response SLA — so you always know when to expect to hear from us.
Nairobi
Westlands Road, Westlands, Nairobi
Get Started Today
Secure What Matters Most. Let Acentria Tailor Your Health Insurance.
Speak with one of our Kenya specialists today and get a personalised solution within 24 hours.
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