Why you need a health insurance plan


No one knows when sickness will come or plans to get hurt or get sick at a particular time.

A health insurance covers you especially when large medical bills are required.

Care when you need care

Health insurance is a contract between you and your insurance company. When you subscribe to an insurance plan, the company agrees to pay part of or all of your medical costs when you get sick or hurt.

Other benefits of insurance covers may involve free health check-ups, planned health training and health talks, access to free preventive care like vaccines, screenings e.t.c.

Basically, when you buy or subscribe to a health insurance plan, you allow yourself to worry about enjoying life while someone else worries about your health. Isn’t that fun?

How Health Insurance Coverage Works

Buying or subscribing to a medical cover means you pay some cost and your insurance plan pays some. In some cases, you pay nothing because the insurance plan caters for every cost. This depends with your insurance company or plan.

  • Premium: This is a fixed amount paid to your insurance plan, usually every month. You pay this even if you do not use medical care that month. By paying a premium, you are contributing to your health coverage should you need medical care in future.
  • Deductible: If you need medical care, a deductible is the amount you pay for care before the insurance company starts to pay its share. Once you meet your deductible, your insurance company begins to cover some costs of your care.
  • Co-pay: A co-pay is a fixed amount you will pay for a medical service. For example, a visit to the doctor’s office might cost Ksh 10500 if you didn’t have coverage. With health insurance, you may pay only Ksh 500 and the health plan would pay the rest.
  • Co-insurance: Co-insurance is similar to co-pay, except it’s a percentage of costs you pay. For instance, you may pay 20% of the cost of a Ksh 10500 medical bill.

How Insurance Protects You

A health Insurance cover protects you in two ways from high medical costs:

  • Out-of-pocket maximum: If the total amount of money you need to pay when you get sick is Ksh 100,000 and your deductible is 10%, you will only need to pay Ksh 10,000, your insurance cover will pay the rest. The 10% is your out of pocket maximum.

You are naturally exposing yourself to health risks and it’s worse when you do not have a medical cover.

Medical bills can sometimes lead people to abrupt fundraising, debt or even into bankruptcy. Why worry about bills when you can relax and enjoy your life even when unwell?


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