Health Insurance

Health is wealth, a timeless adage that resonates deeply in Kenya, where access to quality medical care can make all the difference between recovery and regret. At Ronji Insurance Agency, we specialize in health insurance plans that bridge the gap between rising healthcare costs and everyday Kenyans’ budgets. Drawing from our 25+ years of navigating the intricacies of Kenya’s medical landscape—from the world-class facilities of Aga Khan University Hospital to community clinics in rural Kitui—our policies provide comprehensive protection against illness, injury, and preventive care needs.

In a nation where out-of-pocket expenses account for over 25% of health spending (as per Kenya’s National Health Insurance Fund data), our health insurance offerings are a game-changer. We offer individual, family, and group plans, customizable to fit lifestyles as varied as a Nairobi executive’s or a farmer’s in Nyeri. Core benefits include inpatient hospitalization coverage up to KES 10 million per year, covering room and board, surgeries, diagnostics, and specialist consultations. Outpatient services extend to routine check-ups, vaccinations, and pharmacy bills, with limits scalable based on your premium choice.

What truly distinguishes Ronji’s health insurance is our focus on holistic wellness. Embedded maternity and pediatric endorsements cater to growing families, reimbursing prenatal care, deliveries (natural or cesarean), and newborn screenings—vital in a country with a maternal mortality rate we’re collectively working to reduce. For chronic conditions like diabetes or hypertension, prevalent in urban Kenya, we provide ongoing management benefits, including annual screenings and medication subsidies. Our plans also integrate mental health support, recognizing the rising tide of stress-related issues post-COVID.

Affordability is at our core; premiums range from KES 2,000 monthly for basic individual cover to KES 15,000 for premium family plans, with no-claim bonuses that can slash costs by up to 30% after a claim-free year. We partner with a vast network of over 1,500 providers nationwide, ensuring cashless settlements at facilities like Nairobi Hospital or Kenyatta National Hospital, eliminating the dread of upfront payments during emergencies.

Ronji’s digital edge shines in claims processing: submit via our app for approvals in under 24 hours, a boon for expatriates or frequent travelers within East Africa. We also offer telemedicine consultations, ideal for remote areas with limited access, connecting you to licensed doctors via video for non-emergency advice.

Kenya’s health sector is transforming with universal health coverage ambitions under the Big Four Agenda, and Ronji aligns seamlessly. Our policies supplement NHIF, filling gaps in specialized treatments like oncology or orthopedics. Educational webinars on nutrition and disease prevention foster proactive health management, reducing long-term claims.

Real stories underscore our impact: A single mother in Kisii recounts how our policy covered her child’s emergency appendectomy, saving her from debt. With a 98% customer satisfaction rate, Ronji isn’t just insuring health—we’re safeguarding futures.

In an era of pandemics and lifestyle diseases, secure your well-being with Ronji. Dial+254 721 944363 or +254 703 436219 or visit ronjiinsurance.co.ke to explore plans. Your health, our priority.