Comprehensive medical coverage for you and your family's healthcare needs
At Clear Plan Insurance, we understand that quality healthcare is essential for you and your loved ones. Our comprehensive health insurance plans are designed to provide financial protection against medical expenses while ensuring access to the best healthcare facilities and professionals across Kenya.
Whether you're seeking coverage for routine check-ups, emergency medical care, or specialized treatments, our health insurance solutions offer peace of mind knowing that you're protected when you need it most.
Complete coverage for hospital admissions, including room and board, surgical procedures, intensive care, and post-operative care at our network of accredited hospitals.
Access comprehensive outpatient care without hospital admission, including doctor consultations, diagnostic tests, and minor procedures.
Coverage for prescribed medications and pharmaceutical needs, ensuring you can access necessary treatments without financial strain.
Comprehensive coverage for expectant mothers, from prenatal care through delivery and postnatal support for both mother and baby.
Extended coverage for dental treatments and optical services to maintain your overall health and wellbeing.
24/7 emergency medical services with ambulance coverage and emergency room treatment for urgent medical situations.
For new policies, there is a 30-day waiting period for general illnesses and a 10-month waiting period for maternity coverage. Pre-existing conditions have a 12-month waiting period. Emergency coverage is effective immediately upon policy activation.
Yes, you can add eligible family members including spouse, children, and dependent parents at any time during your policy period. The premium will be adjusted accordingly, and standard waiting periods will apply to new members.
Claims can be made through three convenient methods: direct cashless treatment at network hospitals using your insurance card, reimbursement claims by submitting medical bills and receipts, or through our mobile app. Most claims are processed within 48-72 hours.
Pre-existing conditions are covered after a 12-month waiting period from the policy start date. Full disclosure of all pre-existing conditions is required during application to ensure proper coverage and avoid claim rejections.
You can still receive treatment at non-network facilities. You'll need to pay upfront and submit a reimbursement claim. However, coverage may be subject to our standard rates, and you may be responsible for any difference in costs.
Get started with a personalized health insurance quote today and secure peace of mind for you and your family.