Outpatient-Only Medical Insurance
Standalone outpatient cover for Kenya: GP and specialist consultations, lab tests, and prescribed drugs, without inpatient. From about KSh 18,000 a year.
from
KSh 18,000/year
Outpatient-only medical insurance in Kenya covers day-to-day care that doesn't need admission. GP and specialist consultations, lab tests and diagnostics, and prescribed drugs, from about KSh 18,000 a year. It is built for people whose big-ticket hospital costs are already handled (by an employer inpatient scheme or SHIF) but who pay out of pocket every time they see a doctor. It does not cover inpatient admission or surgery. Vike places standalone outpatient cover from IRA-regulated insurers, and you can arrange it online or over WhatsApp.
- Standalone outpatient cover: from KSh 18,000/year
- Consultations, lab tests, diagnostics, and prescribed drugs
- No inpatient or surgery: pairs with employer or SHIF inpatient cover
- Annual outpatient limits typically KSh 50,000–150,000
- Cashless at panel clinics and pharmacies
- IRA-regulated insurers; arrange online or on WhatsApp
Outpatient-only medical insurance covers the everyday healthcare you use without being admitted to hospital, seeing a GP or specialist, having lab tests and scans, and collecting prescribed medication. In Kenya these visits are where most households actually spend on health: a consultation and a course of drugs can run KSh 3,000–8,000 each time, several times a year, and none of it touches an inpatient policy. A standalone outpatient plan turns those unpredictable cash payments into one annual premium from about KSh 18,000.
It is deliberately narrow. Outpatient-only cover does not pay for hospital admission, surgery, or an overnight stay, for that you need an inpatient or comprehensive plan. It is designed to sit alongside cover you already have: an employer scheme that only includes inpatient, or your mandatory SHIF contributions, which leave a real gap in routine outpatient care. Vike places standalone outpatient cover from IRA-regulated insurers, confirms the panel of clinics and pharmacies near you, and arranges everything online or over WhatsApp.
What It Covers
GP and general-practitioner consultations at panel clinics
Specialist consultations on referral (e.g. dermatology, ENT, paediatrics)
Laboratory tests and diagnostics: bloodwork, urinalysis, basic imaging
Prescribed drugs and common medication dispensed at panel pharmacies
Routine outpatient procedures not requiring admission
Wellness and minor treatment within the annual outpatient limit
Who It's For
Young, single, or generally healthy adults whose main health spend is consultations and drugs
Freelancers, gig workers, and the self-employed without any employer medical cover
Employees whose company scheme covers inpatient only, leaving outpatient out of pocket
Anyone relying on SHIF for hospital cover but paying cash for every clinic visit
Types We Cover
Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.
Basic Outpatient
A lower annual limit (around KSh 50,000) covering consultations, basic labs, and drugs. The cheapest entry point for an otherwise healthy adult.
Standard Outpatient
A mid-range limit (around KSh 75,000–100,000) with broader specialist access and a wider drug formulary. The common choice for families adding outpatient to an inpatient scheme.
Enhanced Outpatient
A higher limit (KSh 120,000–150,000+) with optical and dental sub-limits bolted on, for people who use outpatient services frequently.
Family Outpatient
One outpatient pot shared across the household, sized for the number of dependants. Pairs naturally with a family inpatient or employer scheme.
Real-World Scenarios
Three clinic visits and a course of antibiotics
A chest infection means a GP consultation, a lab test, and prescribed antibiotics. About KSh 6,500 paid in cash without cover. On an outpatient plan you present your card at a panel clinic and the visit is settled directly, drawn from your annual outpatient limit.
Employer covers hospital, not the clinic
Your company scheme pays if you're admitted, but every consultation and prescription comes out of your own pocket. A standalone outpatient plan from about KSh 18,000/year closes that gap without duplicating the inpatient cover you already have.
Managing a recurring condition on SHIF
SHIF helps with major hospital costs, but routine follow-ups, repeat prescriptions, and lab monitoring for something like asthma still add up. Outpatient cover (subject to disclosure and any waiting period) handles those visits predictably across the year.
Frequently Asked Questions
How much is outpatient insurance in Kenya?
Is outpatient cover enough on its own?
Does SHIF cover outpatient care?
What is NOT covered by outpatient-only insurance?
Can I add outpatient cover to my existing inpatient plan?
Is there a waiting period on outpatient cover?
Can I buy outpatient insurance for my whole family?
Can I arrange outpatient cover on WhatsApp?
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