For Mary Wanjiku, a 58-year-old living in Kiambu County, medical care is a daily worry. After her husband retired, the couple lost access to employer-provided health insurance, leaving Mary to cover hospital bills out of pocket.
Now, Liberty Kenya’s newly launched HeriAfya Seniors plan promises her and those aged above 60 access to comprehensive healthcare without breaking the bank.
Launched alongside HeriAfya Juniors, a product targeting children in schools, orphanages, and welfare institutions, the dual offering targets two of Kenya’s most underserved populations. Both groups have historically struggled to access private health cover due to high risk or cost constraints.
“We identified a clear protection gap affecting two of the most vulnerable groups in society. These solutions are designed to provide practical, accessible cover where it has been missing,” said Liberty Kenya Managing Director Rosalyn Mugoh.
HeriAfya Seniors offers coverage for cancer treatment, mental health support, post-hospital home care, and funeral expenses, with premiums structured across age bands and flexible payment options. HeriAfya Juniors provides group policies for institutions, enabling schools and orphanages to protect children under one policy, helping institutions manage unpredictable medical costs.
Directors of schools say the new policy brings peace of mind. “Before, a single illness could wipe out our budget for the month. Now we can focus on education and care, knowing healthcare costs are managed,” said a principal of an orphanage based in Nairobi who requested anonymity.
The new products signal a shift by insurers in Kenya toward segment-specific insurance solutions that address real-life challenges rather than generic policies.
The new products also allow beneficiaries to convert unpredictable medical bills into predictable annual premiums, a crucial benefit in a country where a major illness can devastate household savings or institutional reserves.
With population growth, rising awareness of healthcare risks, and increased demand for private solutions, Liberty Kenya’s launch positions the insurer to expand its reach while offering practical, life-changing cover to some of the country’s most vulnerable citizens.
