Hospitals covered
Counties
Nairobi Nakuru
Kisumu Eldoret
Mombasa
GA Insurance – Coverage Details
1. Insurance Overview
GA Insurance is a long-established Kenyan insurer (since 1979) that provides general and medical insurance covers, including individual, family, and group medical plans.
Their medical plan for individuals/families is branded under the “GA Family Plan / GA Medical Insurance Cover.”
2. What GA Covers Under Its Medical Plans
| Service Type | Coverage / Benefit |
|---|---|
| Inpatient & Hospitalisation | Covered. GA covers medical and surgical expenses from illness or accidents, including inpatient admissions under their family/individual plan. |
| Maternity (with Inpatient Cover option) | Maternity is offered (as part of inpatient benefit when chosen) under GA’s plan options. |
| Medical & Surgical Illnesses (Accident or Disease) | Illness or accident-related medical/surgical costs are covered if within the policy period. |
| Use of GA-approved Provider Panel | Coverage applies when treatment is obtained at a GA-accredited medical provider panel. |
| Optional Waiting-Period Structure | For non-accident illnesses and planned surgical cases: 30 days waiting for illness, 60 days for surgical cases. Accidents are covered immediately (no waiting). |
3. Coverage Limits & Plan Tiers
GA offers multiple inpatient-limit tiers under its Family Plan. Example limits include KSh 500,000, 750,000, 1,000,000, 2,000,000, up to 5,000,000 per year — depending on the plan selected.
Maternity benefit under the plan has separate limits based on chosen coverage (e.g. KSh 50,000; 75,000; 100,000; 150,000).
4. Pre-Authorization / Waiting Periods / Conditions
For accidents, there is no waiting period — coverage starts immediately.
For illnesses, there is a 30-day waiting period before cover applies.
For surgical cases (non-accident), a 60-day waiting period applies.
5. How to Use GA Cover at a Hospital
Confirm that the hospital or facility is part of GA’s approved provider panel.
Present your GA policy / membership card at admission or reception.
For accidents: coverage applies immediately — no waiting period.
For planned admissions or elective treatments: ensure waiting-period conditions are met.
Services rendered under a valid claim are covered up to the limit of your selected plan.
6. Exclusions or Limitations (What to Check)
If illness is within the first 30 days of policy start, GA may not cover it (waiting-period applies).
For elective surgical cases, the 60-day waiting period applies before coverage.
Maternity cover and related benefits are optional and only available if the relevant cover option is selected.
7. Special / Additional Covers & Features
GA offers a standalone COVID-19 benefit cover: for a small premium, policyholders receive a payout (for example KSh 100,000) upon being hospitalized for COVID-19 — if certain conditions are met (e.g. hospitalization ≥ 24 hours, no pre-existing respiratory illness, waiting period after policy inception).
GA’s medical insurance is described as flexible with different inpatient-limit tiers — allowing clients to choose coverage based on needs and budgets.
8. Disclaimer / What to Confirm
This summary is based on publicly available GA Insurance (Kenya) medical plan documents.
Actual coverage, benefits (inpatient limit, maternity benefit, waiting periods) depend on the exact plan and policy you hold.
Always confirm with GA or your broker, and check whether the hospital is on GA’s approved provider panel before seeking treatment.