Put your
family first
With our comprehensive medical
cover that ensures the wellbeing of loved ones.

What is Afyaimara County Family Cover?

Afyaimara County Family Cover is a medical insurance cover at affordable rates designed for families. It covers inpatient hospitalization, outpatient treatment, maternity, optical, and dental with enhanced limits for chronic conditions including cancer. It's suitable for all persons and their legal dependents from birth to 65 years old.
What's in it for you?
  • Wide geographical coverage and hospital network - Access to selected affordable hospitals within UAP’s comprehensive network of hospitals across East Africa. An overseas referral is available for conditions not covered locally on accredited overseas partners for 1M limit
  • Convenient - Air evacuation for cover limits of Kes 1M. Road evacuation for all cover options. Overseas emergency treatment cover of 42 days for a limit on reimbursement for the KES 1M cover limit
  • Affordable - No excess for inpatient cover, installment premium payments for your inpatient cover, and a no claim discount (NCD)
Family sitting on the floor in front of the couch
How do I apply?

Please contact UAP Insurance or your insurance intermediary and fill the application form. Ensure you complete the application form in full and as accurately as possible to facilitate quick processing of your cover. Submit the duly filled form and the premium payment to UAP Insurance. All members as proposed will be issued with a membership card and a policy document will be issued for every proposal.

Persons over 60 years will be required to submit a medical report in the prescribed manner for eligibility.

Family photo including parents and two kids
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    The cover also includes comprehensive benefits such as:

    - Inpatient limits from Kes 100,000 to Kes 1,000,000

    - Optional outpatient cover from Kes 25,000 to Kes 50,000. This caters for:

    • Routine outpatient services, consultations, diagnostics, drugs and dressings
    • Routine dental and optical services, including cost of frames, lenses
    • Well baby clinics

    - Covers pre-existing, chronic conditions & HIV/AIDs

    - Cover for prematurity and neonatal conditions

    - Maternity cover within inpatient

    - Dental and optical benefits included within the outpatient cover

    - Hospitalization expenses including surgeon, physician, theatre, ICU & HDU fees

    - Home nursing up to 90 days from discharge

    - Diagnostics and physiotherapists fees, prescribed drugs, dressings, surgical appliances

    - Accommodation costs for parent/guardian accompanying child of 12 years and below

    If you want to learn more about the scope of the cover, read our brochure.

    Below are general exclusions from the cover:

    • Expenses where material information is withheld or misstated
    • Infertility treatment
    • Cosmetic surgery unless caused by accident
    • Weight management treatments and drugs
    • Participations in professional & hazardous sports e.g. bungee jumping, paragliding
    • Treatment other than by registered medical practitioner
    • Self-referred or self-prescribed treatment
    • Drugs dispensed by the treating doctor
    • Nutritional supplements unless prescribed as part of medical treatment
    • Alternative treatment - Chiropractors, Acupuncturist, Herbalist
    • Drunkenness, drug addiction, intentional self-injury
    • Expenses incurred in connection with participation in riot, strike and civil commotion
    • Naval, military or air force operations
    • Expenses recoverable under any other insurance e.g. NHIF, GPA, WIBA
    • Beauty treatment in nature cure clinics or health hydro’s
    • Diagnostic equipment (e.g. Glucometers, BP machines)
    • Experimental treatment
    • Contamination by radioactivity from nuclear fuel, waste or fission
    • Illness claims incurred within the first 28 days of cover
    • Surgical claims incurred within the first 60 days of cover
    • Benefits not purchased or not indicated in the brochure

    *Refer to the policy document for detailed exclusions