Photo: Wheaton95, Wikimedia Commons, CC BY-SA 4.0First Assurance medical cover in Kenya
First Med plans, premiums and conditions
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The five First Med options
First Assurance's First Med page describes "individual/family medical cover with inpatient and outpatient benefits" and links to its brochure. The "Revamped First Med" brochure (seen 28 October 2026) sets these limits:
| Benefit (KES) | Option 1 | Option 2 | Option 3 | Option 4 | Option 5 |
|---|---|---|---|---|---|
| Inpatient, per family | 500,000 | 1,000,000 | 2,000,000 | 3,000,000 | 5,000,000 |
| Outpatient, per person | 50,000 | 75,000 | 100,000 | 150,000 | 200,000 |
| Maternity | 75,000 | 100,000 | 120,000 | 150,000 | 200,000 |
| Dental, per person | 7,500 | 10,000 | 20,000 | 30,000 | 40,000 |
| Optical, per person | 7,500 | 10,000 | 20,000 | 30,000 | 40,000 |
| Bed | Ward | Ward | Private up to 12,500 | Private up to 15,500 | Private up to 18,000 |
| Treatment abroad (India, pre-authorised) | No | No | Economy return ticket | Economy return ticket | Economy return ticket |
First Assurance Company is a general insurer on IRA's list — see the First Assurance profile. IRA's Q4 2025 industry release (Appendix 18) lists KES 3,755.5 million of gross medical premium for it in 2025.
Outpatient, maternity, dental and optical premiums
Optional benefits have their own yearly premiums in the brochure:
| Benefit limit (KES) | 50,000 | 75,000 | 100,000 | 150,000 | 200,000 |
|---|---|---|---|---|---|
| Outpatient per person, below 30 | 22,701 | 26,803 | 29,149 | 36,329 | 38,955 |
| Outpatient per person, 31–40 | 28,376 | 33,504 | 36,437 | 45,411 | 48,694 |
| Outpatient per person, 41–50 | 34,052 | 40,204 | 43,724 | 54,493 | 58,432 |
| Outpatient per person, 51–65 | 39,727 | 46,905 | 51,012 | 63,575 | 68,171 |
- Maternity, per family: KES 23,620 (limit 75,000), 26,976 (100,000), 28,879 (120,000), 34,359 (150,000), 44,672 (200,000).
- Dental, per person: KES 2,048 (limit 7,500), 2,731 (10,000), 5,462 (20,000), 8,194 (30,000), 10,925 (40,000).
- Optical, per person: KES 2,276 (limit 7,500), 3,034 (10,000), 6,068 (20,000), 9,102 (30,000), 16,182 (40,000).
The brochure says dental and optical "must be taken as a Package with Outpatient plans". Optional add-ons also listed: a stand-alone last expense benefit (KES 50,000 to 150,000) and a personal accident cover with KES 500,000 on death, at a premium of KES 1,000.
Ages, waiting periods and conditions to read
- Ages: adults join from 18 to 60 and exit at 65; children from 1 month to 18, or 26 with proof of schooling. A medical examination is required for members over 50.
- Waiting periods: 30 days for illness, none for accidents; 1 year for pre-existing and chronic conditions and HIV/AIDS, congenital conditions, psychiatry, illness-related dental and eye surgery and gynaecological treatment; 2 years for cancer treatment, kidney dialysis and organ transplants (donor costs excluded).
- Sub-limits inside the inpatient limit: pre-existing and chronic conditions, cancer, dialysis and transplants share KES 250,000 (Option 1) to KES 1,000,000 (Option 5); congenital conditions KES 100,000 to 300,000; psychiatry KES 100,000 to 600,000.
- Outpatient co-payment: KES 2,000 per visit at Nairobi Hospital, Aga Khan, Karen, Gertrude's and MP Shah, and KES 1,500 at AAR, per the brochure.
- Area: East Africa; outside it, 90 days per trip on reimbursement. Reimbursements otherwise "not applicable": use the panel.
- New dependants: prorated premium in the first six months, then the annual premium.
- Exclusions include orthodontics and crowns, laser eye correction, infertility treatment, cosmetic surgery unless after an accident, and maternity where maternity cover was not bought.
How to buy First Med and compare it
- Download the application form from the First Med page, or ask a First Assurance branch or agent.
- Choose the option and add-ons (outpatient with dental and optical as a package, maternity).
- Get the quote in writing, with levies and the final yearly premium; the brochure lists bank transfer, cheque, mobile money and cards.
- Compare the same limits with AAR ShwAARi, CIC Family Medisure, Jubilee J-Care and APA, or ask for quotes here.
First Assurance's site gives medunderwriting@firstassurance.co.ke for medical underwriting and claimsmedical@firstassurance.co.ke for medical claims. If a claim is refused or delayed, our complaints guide explains how to reach IRA.
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Frequently asked questions
How much is First Assurance medical cover?
The 2025 First Med brochure lists yearly inpatient premiums per person: for a principal aged 19–30, KES 17,492 on Option 1 (KES 500,000 per family) up to KES 33,501 on Option 5 (KES 5 million); each child costs KES 11,021 to 21,108. Outpatient, maternity, dental and optical are extra.
What is First Med?
First Assurance's individual and family medical cover: five options with inpatient limits from KES 500,000 to KES 5 million per family, and optional outpatient, maternity, dental and optical benefits.
What is the age limit for First Assurance medical cover?
Adults join between 18 and 60 and exit at 65; children are covered from 1 month to 18, or 26 with proof of schooling.
Does First Med cover maternity?
As an option: maternity per family costs KES 23,620 a year for a KES 75,000 limit up to KES 44,672 for KES 200,000, according to the brochure. Maternity is excluded if it was not bought.
What is the waiting period on First Med?
30 days for illness claims and none for accidents; one year for pre-existing and chronic conditions and several listed treatments.
Sources
- First Assurance Kenya — First Med individual/family medical cover page (insurer's own page, seen 28 October 2026)
- First Assurance Kenya — "Revamped First Med" brochure (FIRSTMED-2025): benefit limits, special clauses and premium tables (insurer's own document, seen 28 October 2026)
- IRA Kenya — Insurance Industry Release Q4 2025: "Reliance and Limitations" (merger of Sanlam General and Jubilee Allianz General into Sanlam Allianz General) and Appendix 18 (gross premium by insurer and class, Medical column) (Web Archive copy of 18 August 2026)