Simba Afya product is a comprehensively packaged medical insurance cover offering hospitalization and optional outpatient benefits to our Customers and their families in the event of an accident or illness.

It enables clients to manage their finances and access quality healthcare across a wide range of healthcare providers in Kenya.

The cover is enhanced to include Chronic, Pre-existing conditions, Cancer, & HIV/AIDS including cost of ARVs covered up to the full out-patient cover limit per family per annum.


  • Full Name of the client /proposer for insurance, Postal Address, Telephone Contact, PIN Number, Occupation (Business from which client derives his income)
  • National Identity Card or Passport
  • Duly completed and signed proposal form
  • Full premium payment
  • Renewal notice of existing policy copy if client is transferring from another medical policy
  • Age Limits:
    • Minimum age is 1 month for a child joining the scheme as a dependent or principal
    • Children are covered up to 25 years of age with proof that they are in school/college.A¬†Children over 25 years, whether in school or not are not covered as dependants and will take separate cover as a principal member.
  • Eligibility; Minimum age is 1 Month old for children joining as dependent members and 18 years for adults joining as principal members (and maximum 70 years and renewals up to 80 years for existing members.
  • Simba Afya is competitively priced and avails low to moderate benefits and limits of medical cover to choose from ranging from Kshs.300,000.00 to Kshs.750,000.00 for hospitalization cover and Kshs.50,000.00 to Kshs.60,000.00 for outpatient cover per annum.
  • Offers Routine outpatient consultation, diagnostic laboratory and radiology services, prescribed physiotherapy, prescribed drugs and dressings, dental & optical services, HIV/AIDS related conditions and Prescribed ARV’s, routine immunizations (KEPI), routine Antenatal checkups and postnatal care up to six weeks post-delivery.
  • High overall cover limit and sub-limits on the supplementary benefits
  • Extensive network of providers all over the country without restrictions, including all the major providers in the country
  • Provides cover for senior citizens up to the age of 75 years and can be extended to 80 years on provision of acceptable medical report
  • You can take out Inpatient cover alone or a combined Inpatient and Outpatient cover.
  • You can cover a child on their own as a principal member
  • Enhanced In Patient & Out Patient limits with wide coverage in terms of scope that includes Pre-existing conditions, Chronic conditions, Cancer, HIV/AIDS, Maternity, Dental covers & In patient Ophthalmology(eye disease)
  • Mitigates unplanned sudden expenditure on medical giving the family financial security
  • Ease of premium payment
  • Premium can be paid through premium financing
  • Product simplicity
  • Easy to understand product features
  • Waiver of waiting period for clients transferring from other medical policies
  • Ease of access – available at all branches of KCB
  • Reasonable waiting periods
  • Use of biometric technology via smart card for membership identification that eliminates possible abuse/ overuse

KCB Simba Afya Cover is an enhanced medical insurance package is available to individuals, families, small businesses and groups.

It’s is suitable for clients looking for comprehensive hassle free medical cover with minimal restrictions to cushion their families, members or employees against unexpected high medical bills who are able to pay moderate to high premiums.

Access to medical treatment at any of the appointed providers is strictly through use of Biometric Smart Card and at the point of access, there is no cash payable.

Reimbursement claims are only acceptable for emergency cases and the original claim form (available at medical providers) duly executed by the treating medical doctor with original receipts attached must be submitted to KAC Insurance Agency through any KCB Branch and addressed to the Healthcare Management Team, Head Office Bancassurance, Kencom Building.

Insurance Calculator

Simba Afya


Note that the result of calculations are subject to specifications of your dependents thus making it an estimation of the value of the asset. KCB does not accept any liability for loss or damage of whatsoever nature which may be attributable to the reliance on and use of these calculations.

Total Annual Premium

In Patient Premiums
Out Patient Premiums

Are you interested?

Kindly fill in your details below and a KCB representative will contact you with further details

These might also interest you

View all our products
KCB Bank