The table below gives you an overall summary of the benefits available to new members on each health cover plan that you select. You can use the controls at the top of the table to change the plans that you want to compare. We give the annual health insurance benefit limit per insured person per year in KES (Kenyan Shillings).
Please click on the Get quote button below the table, complete your details and one of our sales consultants will contact you.
Classic | Select a plan to compare |
Available to | Multinationals, Corporates |
Product options
Region of cover | Out-patient care: East Africa only In-Patient care: East Africa and India where treatment is medically necessary and not available locally. |
Network providers paid at Liberty Tariffs | Enhanced Network Out of Network will be reimbursed subject to Enhanced network tariffs. |
Overall limit | 9 900 000 |
Day-to-day benefits (for conditions that generally appear suddenly, progress rapidly and are relatively short in duration)
| 98 000 Sub-limit for prescribed acute medication 49 000 |
Wellness Check-up Benefit | 18 500 |
Optical benefits
1 x eye test per insured person per year Frames and lenses (including contact lenses) every 2 years | 30 500 |
Dental benefits (subject to clinical funding protocols)
Basic dentistry Dental consultations, basic dental procedures including removal of teeth, fillings, preventative treatment, scaling and polishing and x-rays | Paid in full Subject to overall limit |
Specialised dentistry Root canal treatment, dentures, inlays, crowns, bridges, periodontal treatment, orthodontic treatment and procedures in rooms. Orthodontic treatment will be restricted to members up to and including the age of 21 years. | 37 000 |
Psychological wellbeing benefits
Psychologist/social worker consultations and prescribed acute medication | Subject to day-to-day benefits limit |
Ongoing psychiatric consultations and associated chronic medication | Subject to chronic conditions benefits limit |
Hospital benefits (subject to pre-authorisation and clinical funding protocols) | 20 days per annum |
Maternity benefits (subject to pre-authorisation and clinical funding protocols)
Out-patient maternity care Antenatal consultations, ultrasounds and pathology services, including amniocentisis, are paid from this benefit Any additional maternity claims will be paid from the available day-to-day benefits |
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Out-patient high-risk pregnancies Subject to enrolment for case management | Additional consultations and ultrasound scans |
In-patient maternity – childbirth and management of high-risk pregnancies | Paid in full Subject to overall limit |
Neonatal care – incubator, phototherapy, congenital conditions, prematurity | 1 213 500 |
Postnatal depression – medication, consultations, pathology | Subject to chronic conditions benefits limit |
Chronic conditions benefits (subject to pre-authorisation and clinical funding protocols for conditions that require medication and treatment for more than three continuous months)
GP and specialist consultations, prescribed medication, radiology and pathology (e.g. blood tests) | Paid in full Subject to overall limit |
Hospital benefits (subject to pre-authorisation and clinical funding protocols)
In-hospital accommodation | Standard private room |
Intensive care | Paid in full Subject to overall limit |
In-hospital accommodation, specialists, theatre, ward, acute dialysis and medicine costs | Subject to overall limit Discharge medicine limited to 14 days after hospitalisation |
Rehabilitation, Private nursing and Hospice care | 220 000 up to a maximum of 30 days |
Specialised radiology – combined limit in and out of hospital | 181 000 |
Prosthesis and devices – per prosthesis/device | 295 000 |
External medical appliances | 43 500 |
Ambulance benefits (within region of cover)
Emergency road ambulance services | Paid in full Subject to overall limit |
Non-emergency road ambulance, cross-border ambulance (subject to pre-authorisation) | Paid in full Subject to overall limit |
Major diseases benefits (subject to pre-authorisation and clinical funding protocols)
Major diseases benefits limit | 2 215 000 |
Provision of treatment (subject to the major diseases benefits limit) | Oncology treatment, organ transplants and renal dialysis |
International benefits (subject to pre-authorisation and clinical funding protocols)
International emergency medical evacuations In the case of a medical emergency/life-threatening condition and where treatment is not available locally, cover includes: international evacuation and foreign treatment costs | |
Critical care In the case of a medically necessary, non-emergency life-threatening condition, where treatment for in-patient care is not available locally, cover includes: international travel/ accommodation and foreign treatment costs | |
Travel and accommodation costs per event Applicable only to international emergency medical evacuations and critical care cases for the patient, and where applicable, one accompanying person | |
Repatriation of mortal remains Applicable to international emergency medical evacuations and critical care cases only | |
Elective roaming Applicable to beneficiaries electing to obtain medical services outside their country of residence and in line with their benefit plan region of cover. Cover includes foreign treatment cost and services but not travel. | In-Patient care: East Africa and India where treatment is medically necessary and not available locally |
Emergency treatment whilst travelling outside area of cover (up to max 60 days per trip) The International emergency evacuation benefits are not covered outside the area of cover. | Up to Kes 7 385 000 in USA and Canada. For other countries when outside your area of cover, benefits are subject to limits specified in this benefit table. |
Additional benefits
Liberty Wellbeing and Digital Tools | Available to all beneficiaries. Access to the Liberty Wellbeing online platform for self-completion of health assessments and easy, 24-hour access to clinically approved health promotion material. Access to digital tools including a unique customer profile via desktop login or the Liberty Health Mobile App (iOS and Android). |
Get a quoteLearn more |
If the start date of your health cover is after the start date of your employer’s Liberty Blue Policy, your Day-to-day Benefits (Out-patient benefits) will be available to you on a pro-rata basis.
If the start date of your health cover is after the start date of your employer’s Heritage Blue Policy, your benefits will be available to you on a pro-rata basis.
Disclaimer: The benefits described in the table above are subject to the Policy Conditions in the Liberty Blue/Heritage Blue Policy Document. Every attempt has been made to ensure complete accuracy of this document. However, in the event of a conflict between this document and the Liberty Blue/Heritage Blue Policy Conditions, the Policy Conditions will prevail. E&OE