Family looking ahead

More life, Less worries.

Enjoy a booming life with HeriAfya Seniors, the health cover that allows you to live fully and age gracefully without healthcare worries.

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HeriAfya Seniors offers older adults dependable healthcare with flexible, comprehensive coverage. By easing the financial burden of treatment and utilizing a strong provider network, we ensure peace of mind, dignity, and specialized care suited for your later years.

Why HeriAfya Seniors?

Affordable icon
Flexible cover levels

Choose the cover level that matches your needs and budget, and tailor-make your package using the options provided.

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Extensive provider access

Enjoy an extensive provider panel, access to specialists, and 24/7 customer support.

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Extra health support built in

Get extras like telemedicine and health checks designed to make quality healthcare easier to access.

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Designed for seniors & families

Principal/spouse eligibility runs from 65 years and their dependants.

Useful Information

HeriAfya Seniors is a medical cover with affordable, convenient and flexible options tailored to protect health in later years supported by a wide provider panel, specialist access, and 24/7 support.

  • Principal/Spouse: 65 years

  • Child dependant: 0 to 18 years, extended to 23

  • Medical tests: pre-joining medical test for main member and spouse.

Inpatient support includes:
  • Emergency local road ambulance leading to admission
  • Comfortable hospital stays when you need care most
  • Access to trusted doctors and specialists
  • Coverage for surgeries and medical procedures
  • Support for emergencies and critical care
  • Essential tests, treatment and medication included
  • Continued care and follow-up after discharge

Outpatient support includes:
  • Doctor visits made easy and accessible
  • Consultations with trusted providers and specialists
  • Coverage for routine check-ups and everyday ailments
  • Diagnostic tests and lab services included
  • Prescribed medication and refill covered
  • Convenient care with telemedicine support
  • Continuous care Program for Member living with chronic conditions

Eligibility, age limits and who you can include as dependants.

Inpatient, outpatient Including Dental and Optical benefits.

Refer to the brochure below to view exclusions and any applicable waiting periods.

Heritage Insurance has an open panel of approved hospitals, clinics and specialists.

We offer smooth access services, approvals and support including telemedicine.

We offer affordable premiums with extensive and generous limits.
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Forms & Documents relevant to HeriAfya Seniors

HeriAfya Brochure
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Frequently Asked Questions

Family in kitchen

Premiums are paid monthly through digital payment options such as M-Pesa and direct debit. Future updates will allow annual, semi-annual, or quarterly payments.

Family in kitchen

Not always. You may choose to keep your cover constant or increase it annually by 5% or 10%. If your cover increases, your premium will also increase.

Family in kitchen

Yes. The plan includes a last expense benefit of KShs 100,000 to help cover immediate funeral costs.

Family in kitchen

The current plan only covers death. Future versions will include benefits for critical illness, disability, and impairment.

Family in kitchen

Yes:

  • There is a 6-month waiting period for natural death (only accidental death is covered during this time).
  • Suicide is excluded during the first two years.
Further details are outlined in the policy document.

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