Are you a Kenyan who is interested in purchasing medical
insurance but does not know where to begin? Below are some vital tips to help
you.
(a) Key questions
to ask yourself before shopping for a medical insurance plan
In order to buy a Kenyan medical insurance plan that suits
your needs and budget, you need to run a comprehensive assessment of your
current situation. Answers to the following questions will help you
:
:
i. How
frequently do you or your family members visit doctors/clinics?
ii. How much
health care did you need last year?
iii. Would you
require the same, more or less health care in the coming year?
iv. What
prescription drugs do you or your family members need?
v. Are the medications
needed regularly or just occasionally?
vi. Do you travel
frequently and need medical coverage outside your locality?
(b) Acquainting
yourself with different medical insurance topics
Once you have noted down answers to the above questions, it
is important to review a wide range of Kenyan health insurance topics before
you can compare plans. Topics review will make the task of shopping for medical
insurance less arduous as you will have mastered the basics. Run through the
following topics to prepare adequately for comparing plans.
i. Cost of
medical care
In order to determine the total cost of your medical
insurance, you need to know how to estimate the cost of your medical care and find out
how medical insurance works. For instance, you should run through the various
amounts that make up your medical insurance costs, such as copayments,
coinsurance, deductibles and out-of-pocket maximums.
ii. Types of medical care plans
Make sure to find out the various types of medical insurance
existing in Kenya, various levels of the plans, how each level of the plans
affect your health care bills, and ways of finding the best deals on different
kinds of insurance. You should note down the types of plans that are relevant
to your unique medical needs, the companies providing such plans, and the
eligibility criteria for the plans.
iii. National
Government Aid
It is also important to find out whether there are existing
financial assistance offers from the Kenyan national government to help you pay
for medical insurance. Any incentives or rebates must be noted as they can help
you reduce the cost of medical insurance immensely.
(c) Tools and
services that accompany a health insurance plan
To provide more value to their clients, some medical
insurance companies in Kenya provide useful tools and services with their plans
at no extra cost. This means that you should always look out for Kenyan medical
insurance companies that offer you ways of saving time, saving money, and
supporting your health, all in one medical plan. Some of the tools and services
you should prioritize are:
i. 24/7 service
teams: Make sure to choose a Kenyan medical insurance with a customer support
team available to answer your questions and help you with your plan, coverage
and services throughout the day.
ii. Prescription
drug discounts: Health insurance companies offering prescription drug discounts
through retail drug stores and mail-order services can help you to reduce the
cost of insurance significantly.
iii. Websites and
mobile apps: Choosing a health insurance company with a website and mobile apps
for finding a doctor quickly, managing your medical care costs, viewing your
claims and more from your Smartphone or computer will give you amazing
convenience.
iv. Around-the-clock
health information lines: Choose a Kenyan medical insurance company with a
health information line staffed with nurses and other professionals who can
correctly answer medical questions and give health-related advice any time, day
or night.
Take your time and pay close attention to the details of all
relevant medical insurance policies before you make a purchase.
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