- Author: Raymond
- Category: Microhealth Insurance in Kenya
MyKava Medical Plan vs Imana Afya Medical Plan
The main difference is simple:
MyKava Medical Plan gives each insured person their own medical benefit limits, while Imana Afya is generally structured as a more affordable family-shared medical cover.
MyKava Medical Plan
MyKava is suitable for clients who want medical benefits allocated to each person separately.
A client can choose from different inpatient and outpatient limits, depending on the level of protection and budget required. Available structures may include principal-only, spouse-only, child-only, family and group cover.
For example, where a family member is covered for KSh 500,000 inpatient and KSh 50,000 outpatient, those benefits are allocated to that insured person rather than being shared with the whole family.
MyKava is therefore a strong option for:
- Individuals who want their own dedicated benefit limits
- Families that want separate benefits for every member
- Parents seeking child-only medical cover
- Clients who want a wider choice of inpatient and outpatient limits
- SMEs and groups that need clearly defined benefits per member
Because each person receives their own benefits, the total premium may be higher than a family-shared plan. However, it also provides stronger individual protection.
Buy or request a MyKava Medical Plan quote:
https://www.imana.co.ke/mykava-product-quote
Imana Afya Medical Plan
Imana Afya is designed to make medical insurance more affordable for individuals, families, groups and corporate organizations.
Its benefits include:
- Inpatient cover of KSh 500,000
- Maternity benefit of KSh 75,000
- Optional outpatient cover of KSh 75,000
- Dental benefit of KSh 10,000
- Optical benefit of KSh 10,000
- Last expense benefit of KSh 75,000
The plan is priced according to family size, from member-only cover up to member plus five dependants. This structure allows families to access meaningful medical benefits at a lower combined premium.
Imana Afya is suitable for:
- Families looking for affordable shared medical cover
- Individuals who want a lower-cost entry into health insurance
- Chamas, welfare groups and organized groups
- SMEs and corporate organizations
- Clients who value maternity and last expense benefits
- Families comfortable sharing available benefit limits
The inpatient and maternity package starts from KSh 8,230 per year for member-only cover. Premiums increase depending on the number of dependants covered.
Buy or request an Imana Afya Medical Plan quote:
https://www.imana.co.ke/insurance/imana-health
Which one should you choose?
Choose MyKava Medical Plan when you want every insured person to have their own dedicated inpatient and outpatient benefits.
Choose Imana Afya Medical Plan when your priority is covering a family or group under a more affordable shared-benefit arrangement.
In plain language:
MyKava offers stronger individual benefits per person. Imana Afya offers more affordable shared protection for a family or group.
Both plans are useful. The best choice depends on your family size, budget, preferred benefit limits and whether you want benefits allocated per person or shared.
