Skip to main content
Madison Money Market Fund Daily Yield: 14.27% Effective Annual Yield: 15.24% Madison Fixed Income Fund Daily Yield: 14.67% Effective Annual Yield: 15.69% Madison Wealth Fund Weekly Average Daily Yield: 13.99% Weekly Average Effective Annual Yield: 14.93%

Protect the force that drives your business growth.


Fill the form and get a quote now

1 Step 1
FormCraft - WordPress form builder
Beautiful lady all smiles in the office

Why This Plan Is Best For Your Biz

Flexible budget friendly benefits.

Dedicated 24/7 medical emergency assistance helpline.

Access to countrywide hospital network and medical specialists

Access to a private ambulance

Hospital accommodation for a parent when a child stays overnight.

Which Type Of Covers Are Available Under The SME Insurance Plan

Middle aged man all smiles in brown apron in his pastry shop

One of the great things about this cover is that you are in charge of designing the ideal cover for you and your business. You can either select a basic option that is within your budget or opt for a more comprehensive approach.
With a wideand diverse range of cover options, you can add different levels of cover benefits, while keeping the policy affordable for your business.

The options include

In-patient Cover
Ksh 200,000 – 5,000,000

Out-patient Cover
Ksh 40,000 – 250,000

Dental Benefits
Ksh 10,000 – 50,000

Optical Cover
Ksh 10,000 – 50,000

Out-patient Cover
Ksh. 50,000 – 200,000

“Life is a volatile roller-coaster ride.
But amidst all the ups and downs,
you can always bank on us to be
your side, all the time.”

Download brochure

Frequently Asked Questions

What is Madison SME Plan?

This is a medical insurance policy that offers peace of mind, giving a business owner access to affordable and quality healthcare solutions to cater to their employees’ medical needs.

Who is eligible for the cover?

Any legally registered business in Kenya, with employees between 5-15, based on employer preference and budget cover may extend to cover employee dependents.

Are there age limits to cover?

Yes. The principal member must be between 18 – 60 years. No medical examination test prior to joining.
Children- covered from birth (upon notification) up till the age of 18 years or to the age of 25 years if residing with their parents and enrolled full-time in a recognized post-secondary institution.
Disabled Children – covered from birth (upon notification) up till the child gets married/employed.

How long does it take before employees can use the cover?

Ideally it will take 21 days from the day of cover issuance for one to access health facility for outpatient illnesses and inpatient(non-chronic) admissions. There is, however, no waiting period for accident cases.
Other key waiting periods include;

  • Ten months for maternity deliveries and related complications
  • One year for pre-existing, chronic and congenital conditions
  • One year for removal of fibroids, uterus, adenoids, tonsils, lipomas and repair of hernia
  • One year for optical laser treatment
  • Two years for Cancer treatment
  • Two years for organ transplant

How will employees access health services after purchase?

Upon confirmation of cover, each member will receive an activated medical card. One can then use the medical card to seek services at any of the providers listed on our panel.

Can an employer buy In-patient Benefit only?

Yes. In patient benefit is the primary health insurance benefit and can be purchased as a stand- alone. However, the rest of the health benefits including out-patient, maternity, dental and optical cannot be purchased separately; they must ride on the primary benefit.

What happens if an employee cannot access any of the facilities on the panel?

In emergency cases where a member is unable to access any facility within our panel, they can seek treatment from a facility outside our panel, and submit a claim form signed by the attending doctor. If the claim is payable, it will be reimbursed as per policy terms and conditions.

Does the cover extend to overseas treatment?

Yes. Overseas treatment is covered, however on pre-authorization basis only.

Lady all smiles with arms folded

Be the first to hear our latest news and updates. Subscribe to our newsletter so you don’t miss out!

1 Step 1
FormCraft - WordPress form builder
Close Menu