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Affordable HealthCover for theWhole Family,Your Way

Affordable & Customisable Cover

Five inpatient plans to suit your budget

Widest Age Bracket & Cashless Care

From birth to 75 years, treated countrywide

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What is Family Health Cover (Afya Nafuu)?

Afya Nafuu is an affordable, customisable family health insurance plan. It provides inpatient cover in cases of hospitalisation due to accident or illness, with optional outpatient and maternity benefits, and includes cover for pre-existing and chronic diseases (including HIV/AIDS) after 12 months. Members enjoy cashless treatment across a wide panel of hospitals in Kenya. Five core inpatient plans are available: Affluent, Executive, Standard, Select and Mwananchi.

Highlights

  • Affordable inpatient cover across five plans: Affluent, Executive, Standard, Select & Mwananchi.
  • Optional outpatient and maternity benefits you can add to your plan.
  • Cashless treatment across APA's wide accredited panel of hospitals in Kenya.
  • Cover for pre-existing and chronic conditions, including HIV/AIDS, after 12 months.
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What is Covered and Not Covered Under Family Health Cover (Afya Nafuu)?

Afya Nafuu gives you affordable inpatient cover with the flexibility to add outpatient and maternity benefits. Toggle between the categories below to understand the comprehensive scope of your cover.

1

Inpatient Hospitalisation

Covers bed charges in the general ward, HDU or ICU, plus theatre, HDU and ICU charges for hospitalisation due to accident or illness.

2

Doctors' & Specialist Fees

Physicians, surgeons, anaesthetists, and specialist consultation fees during your inpatient admission.

3

Drugs & Diagnostics

Prescribed medication, laboratory tests, X-rays, ultrasounds, and advanced imaging such as MRI and CT scans.

4

Inpatient Dental & Ophthalmology

Inpatient dental and eye treatment, plus emergency dental and optical care following an accident.

5

Reconstructive & Post-Hospital Care

Reconstructive surgery, physiotherapy, and post-hospitalisation follow-up treatment after your discharge.

6

Ambulance & Funeral Benefit

Local ambulance evacuation services and a built-in funeral expenses benefit for added peace of mind.

Cashless Treatment Countrywide

Find hospitals and clinics on the APA Afya Nafuu accredited provider network across Kenya.

Eligibility & Documentation for Family Health Cover (Afya Nafuu)

Eligibility Criteria
Specifications
Joining Age
From 1 month up to 75 years (maximum joining age of 75).
Whole Family
Cover for the whole family – from a term baby (38 weeks) to elderly members.
Medical Report
Required only for members aged 55 years and above.
Premiums
Calculated based on each member's age at their next birthday.

How to Buy Family Health Cover (Afya Nafuu)?

1

Complete and sign the Individual Health Application Form with passport photos for each member.

2

Attach a copy of your ID and KRA PIN, plus a medical report for members aged 55 and above.

3

Pay the full premium before the commencement of cover (based on age at next birthday).

4

APA issues your medical cards and policy documents so you can start accessing cashless care.

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Frequently Asked Questions

APA Afya Nafuu is an affordable, customisable family health insurance plan offering inpatient cover with optional outpatient and maternity benefits, across five plan levels: Affluent, Executive, Standard, Select and Mwananchi.

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