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Omni-Trust Bank Kenya
Banking Made Simple

Health Insurance

Comprehensive health insurance for individuals and families. Inpatient, outpatient, dental, and optical cover with access to 500+ hospitals across Kenya.

Key Features

  • Inpatient cover up to KES 10M
  • Outpatient cover up to KES 500,000
  • Dental and optical included
  • 500+ hospital network in Kenya
  • Maternity cover available
  • International emergency evacuation

Rates & Charges

  • Individual Plan: From KES 3,000/month
  • Family Plan (M+1): From KES 5,500/month
  • Family Plan (M+3): From KES 8,000/month
  • Corporate (per employee): From KES 2,500/month

Eligibility Requirements

  • Age 18-65 years (principal member)
  • Dependents: spouse and children under 25
  • Pre-existing conditions covered after 12-month waiting
  • Corporate groups of 10+ employees

Required Documents

  • 📋 National ID or Passport — Bring to branch
  • 📋 Completed proposal form — Bring to branch
  • 📋 Medical history declaration — Bring to branch
  • 📋 Birth certificates for dependents — Bring to branch

Frequently Asked Questions

Find answers to common questions about our services.

Are pre-existing conditions covered?
Pre-existing conditions are covered after a 12-month waiting period for individual plans. Corporate group schemes may have reduced or no waiting periods.
Our network includes 500+ hospitals. For network hospitals, use your member card for cashless treatment. Out-of-network claims are reimbursed at 80% of the approved tariff.
Maternity is available as an add-on with a 10-month waiting period. It covers antenatal visits, delivery (normal and caesarean), and postnatal care up to KES 200,000.

Terms & Conditions

Health Insurance is underwritten by our insurance partner and regulated by the Insurance Regulatory Authority (IRA) of Kenya. Waiting periods apply for specific conditions as outlined in the policy document.

The insurer reserves the right to adjust premiums at annual renewal based on claims experience. Policy exclusions include cosmetic procedures, experimental treatments, and self-inflicted injuries.

Ready to Get Started?

Open your Health Insurance today. Visit any branch or apply online.

Apply for Health Insurance

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