Work out your total family medical insurance cost from a quoted annual premium, dependants, and a child premium loading.
Why This Calculator Starts From a Quoted Premium
Medical insurance premiums in Kenya vary enormously by insurer, cover level (inpatient-only vs. inpatient-and-outpatient), age, and pre-existing conditions — there is no fixed rate table that applies across providers. Instead of guessing a premium, this calculator takes the annual premium your insurer has already quoted for the principal member and works out the full family cost.
How Dependants Are Priced
Most Kenyan medical schemes charge additional adult dependants (a spouse) at the same rate as the principal member, while children are charged a lower loading percentage of the adult rate — commonly around 50%, though this varies by insurer and is fully editable here. Enter the number of adult and child dependants to see the total annual and monthly cost for the whole family.
What This Doesn't Cover
This tool does not estimate SHIF contributions, which are a separate mandatory national scheme — use the SHIF Calculator for that. Private medical cover is typically bought on top of, not instead of, SHIF.
Why does this calculator ask for a premium instead of calculating one?
Medical insurance premiums in Kenya vary widely by insurer, cover level, and age, so there is no single rate table to calculate from. Enter the annual premium your insurer quoted for the principal member and the calculator works out the full family cost.
How much less do children cost on a medical cover?
Most Kenyan medical schemes charge child dependants a percentage of the adult premium — commonly around 50% — rather than the full adult rate. This loading is editable in the calculator since it varies by insurer.