Innovasure Family Medical Cover

Simple, affordable, and flexible medical coverage backed by trusted partners

Daily Plan

KES 50
per Day
  • KES 150,000 Inpatient Care
  • KES 10,000 Outpatient Services
  • KES 25,000 Maternity Cover
  • KES 50,000 Last Expense
  • KES 500 Hospital Cash – (Principal Only, Per Day)
  • The principal member and up to 7 dependants

Why Choose Innovasure?

Instant Coverage

Policy activates immediately after your first payment. No waiting to get protected.

Zero Paperwork

Apply online in under 5 minutes. 100% digital from registration to claims.

Inclusive by Design

No exclusions or medical discrimination. Everyone deserves quality healthcare.

Nationwide Support

Access partner hospitals across Kenya. Quality care wherever you are.

Family Protection

Cover your entire family from newborns to seniors up to 100 years.

Trusted Partners

Underwritten by BirdView Insurance. Licensed and regulated by IRA.

Comprehensive Coverage

Inpatient Care - KES 150,000

  • • Hospital accommodation
  • • Surgical procedures
  • • ICU/HDU care
  • • Emergency treatment

Outpatient Services - KES 10,000

  • • Doctor consultations
  • • Laboratory tests
  • • Prescription medications
  • • Diagnostic procedures

Maternity Cover - KES 25,000

  • • Antenatal care
  • • Normal & C-section delivery
  • • Postnatal care
  • • Complications coverage

Last Expense - KES 50,000

  • • Funeral arrangements
  • • Transportation
  • • Burial expenses
  • • Family support

Important: Waiting Periods

✓ Accidents: Immediate Coverage

No waiting period for accidents

General Illness: 30 Days

30-day waiting period applies

Pre-existing Conditions: 6 Months

6-month waiting period applies

Maternity: 9 Months

9-month waiting period applies

Frequently Asked Questions

How do I register for Innovasure?

Registration is 100% digital. Simply click "Get Started", complete the online form in under 5 minutes, and make your first payment via M-Pesa. Your policy activates immediately.

What medical conditions are covered?

Innovasure covers ALL conditions including pre-existing conditions, chronic illnesses, HIV/AIDS, cancer, psychiatric conditions, congenital conditions, and more. We believe everyone deserves access to quality healthcare.

Can I add my family members?

Yes! You can add your spouse and up to 7 dependants. Children are covered from birth to 18 years (or 25 if they're full-time students living with parents). Principal members and spouses can join between ages 18-70 and renew up to age 100.

Are there any waiting periods?

Accident coverage has no waiting period. General illness has a 30-day wait. Pre-existing/chronic conditions and inpatient dental/optical have a 6-month wait. Maternity coverage has a 9-month waiting period.

How do I make a claim?

Submit claims online via your member dashboard, call +254 729 622 622, or visit any of our partner hospitals nationwide. Our team will guide you through the simple process.

Which hospitals can I visit?

You can access our nationwide network of partner hospitals across Kenya. Contact our support team for a list of hospitals near you.

How do I pay for my coverage?

We accept M-Pesa (STK Push and Paybill), USSD, and card payments. You can choose daily, weekly, or monthly payment plans to suit your budget.

Is my information secure?

Absolutely. We use bank-level encryption to protect your personal and payment information. Innovasure is licensed by the Insurance Regulatory Authority (IRA) and complies with all data protection regulations.

Ready to Protect Your Family?

Join thousands of families already covered by Innovasure

Need Help? We're Here For You

Call: 0729 622 622 WhatsApp Us