Health Things to consider before taking a health insurance cover

  • Published:

One’s Health is extremely important and therefore extreme caution should be taken when choosing the right insurance firm and cover.

  play a Health insurance cover is one way to ensure you live a fruitful, stress free life (dglopa)

A health insurance is one of the most important things in life, a health insurance can determine whether you can live or not in a case of a medical emergency.

A Health insurance is a type of insurance coverage that covers the cost of an insured individual's medical and surgical expenses.

Depending on the type of health insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider.

In Kenya today there are several local and international insurance firms providing different insurance covers, so getting one is not hard, choosing the right one is the tricky part.

play It is important to do enough research on the best available health insurance covers before deciding which one to take (Naibuzz)


One’s Health is extremely important and therefore extreme caution should be taken when choosing the right insurance firm and cover.

Keep in mind that you will need it when you are really in a precarious situation and therefore you don’t need anyone to hang you out to dry.

Here are just simple basic things one needs to consider before taking that health insurance cover.

#1 Price

play Money vs Healthcare is one of the biggest Dillemas while choosing a health cover (blog.willis)


This is normally the first thing people look into, before taking a health insurance cover, however it should not be the last and determining factor.

Price is important because it means whether you can afford certain services in the first place.

Keep in mind however when it comes to your health, money is nothing and what really matters at the end of the day is whether you will pull through.

There are several cases out there of simple ailments turning dangerous and even leading to death because the cover one took saw them left in a deplorable hospital.

In cases of emergency one should have access to the best medical services possible, it is the life and death determining factor.

However one should also insist on getting value for money and should not necessarily take the most expensive heath cover when you can get the same services and even more for a cheaper price.

#2 Specialists

Before taking a health insurance it is important to check out their panel of specialists, specialist s who know their craft and can advise accordingly in cases of medical attention.

play a good health insurance firm must have qualified health specialists on there boar to offer Professional advice (healthspecialists)


You don’t want to be in a scenario where you are you are fighting for your life and the insurance company is playing it down because they have enlisted quacks as doctors/specialists

#3 countrywide reach, list of hospitals represented

It is imperative to know how many hospitals across the country have been enlisted by an insurance company as service providers for their clients.

Doing so will allow you to  know if your local hospital or hospital near you is covered and therefore ease access to these crucial services in cases of emergency especially at night.

#4 Emergency Evacuation plan

play AMREF flying doctors airlifting a patient to Nairobi for specialised treatment (mattdocflydoc)


Medical emergency can occur anywhere, any how at  any time without a warning. You might be slowing cruising down a highway taking it easy and listening to ‘Easy like Sunday morning by Lionel Richie’ and without warning a speeding truck rams you from behind and within minutes your life is on the line bleeding profusely.

Does the health insurance cover you want to take have an emergency evacuation plan?

Thousands of patients died every year due ambulance delays so avoid being a statistics.  Supposed you were on Safari in Mara watching the great wildebeest migration and a puff adder bites you, can they evacuate you in a chopper?

Understand what is their estimated time of response after making an emergency call? Fully understanding this can greatly assist you in seeking compensation especially in cases of death occurring.

#5 Client Relations

play an angry customer (ClipartFest)


This is one of the best ways to know about an insurance company history, there is no a better way to know how you will be treated in times of emergency than from checking how they have treated their clients before.

Before signing for that health insurance cover, try to consult friends, family members etc on how their compensations have been handled before. Do your research about the said company nowadays information is everywhere and with a simple search online you will get tons of either complaints or compliments and then make your choice.

There is nothing disheartening than being left to hang and dry when you are at your most vulnerable moment.

#6 Out of the Country medical plan

Illness does not come with a timer if it does nobody would die and we would literally be camping at the hospitals waiting for our turn to get checked out, after all you already know when  you will  be down  with a flu so you better get it sorted out there and then.

Medical emergency can happen anywhere and when it happens you better have a plan.

play before signing a health insurance policy make sure you fully understand all of its content (financialhospital)


Imagine you are in New York giving a presentation about climate change and without no warning you get an heart attack, get knocked over etc. where will you be hospitalized better still who will cater for your huge medical fee if you go into a coma for two week? Is their medical card accepted across the globe? All these are valid questions one needs to consider before taking an insurance cover.

Supposed you paid for your own medical expenses how will they reimburse you and how much?

As stated earlier illness does not issue a warning nor comes with a timer so THINK carefully.


Before signing a medical cover, one should seek the services of a lawyer who can break it down to the last letter what the entire health insurance entails.

Fully understand what is expected of you and what is expected of your insurance company, only that way can in cases of medical emergency can you know what course of action to take when seeking reimbursement, suing or seeking compensation.

Subscribe to the P Live Newsletter!

Do you ever witness news or have a story that should be featured on P Live Kenya?
Submit your stories, pictures and videos to us now via WhatsApp: +254708994405, Social Media @plivekenya: #PLiveEyewitness & DM or Email:

Top 3

1 Mother's Day offer All about moms.bullet
2 Make up Hacks 5 Creative ways of using lipstick you never thought of...bullet
3 Healthy Lifestyle Here is an easy way of getting rid of a bloated...bullet

P Promos