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Madison Money Market Fund Daily Yield: 14.53% Effective Annual Yield: 15.54% Madison Fixed Income Fund Daily Yield: 14.97% Effective Annual Yield: 16.05% Madison Wealth Fund Weekly Average Daily Yield: 14.13% Weekly Average Effective Annual Yield: 15.08%

Madison Betterlife Health Insurance Cover has been revamped to cater to the diverse healthcare needs of individuals and families including married and single parents in Kenya. It now offers comprehensive plans and extensive benefits for its members.

Plans Available
Madison Betterlife now offers two comprehensive plans:

1. Madison Betterlife Open Plan

  • Members have the freedom to visit any healthcare provider within the panel.
  • Divided into two sub-plans:
    • Madison Betterlife Premier Plan: Offers high inpatient and outpatient limits, with annual health check-ups for the principal member and their spouse.
    • Madison Betterlife Executive Plan: Provides full access to facilities at a pocket-friendly premium and a wide range of benefits.

2. Madison Betterlife Budget Plan

  • An economic plan with discounted premiums, providing access to a wide range of healthcare providers in our panel B.

How it Works

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Key Features of the Health Insurance Cover

The Madison Betterlife Health Insurance Cover offers numerous benefits, including:

  • Exclusive Covid-19 cover of up to Kshs. 200,000 within the inpatient benefit across the plans.
  • Flexible pricing to choose benefits based on financial capability.
  • Inpatient benefit on either shared or per person basis.
  • Outpatient benefit on a per person basis.
  • Dental and optical benefits within the outpatient benefit.
  • Maternity coverage within the inpatient benefits.
  • Coverage for travel vaccines (e.g., yellow fever and polio only)
  • KEPI & KEPI baby-friendly regime of vaccines within the outpatient limit up to the age of 2 years.
  • Pre- and post-natal care and ultrasounds covered within the outpatient benefit limit.

Benefits for You.

When you choose Madison Betterlife Health Insurance Cover, you can expect:

  • Cashless treatment at health facilities countrywide.
  • Dedicated Care Management Team.
  • Seamless claim settlement process.
  • Coverage by the most trusted retail medical insurer.
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Steps To Accessing Healthcare

Madison Claim reimbursement process

For Health Expenses Reimbursement Process:

While we hope you stay full of good health, if the unexpected happens we highly recommend that you utilize our expansive network of accredited facilities across the country. However, for an emergency case where you are unable to access any of our providers, and you have to visit a medical facility outside our panel of hospitals. Don’t worry, we will listen;

Fill out a health reimbursement claim form.

Collect all hospitalization related documents including receipts and submit them, in original, to any of our offices.

We will acknowledge receipt of your claim documents.

We will then carry out a customary verification of the required documents.

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

We strive to provide you the best coverage along with a host of other value added services. With our convenient insurance claim reporting process, you can track your claim status.

Alternatively, you can reach out to us through our care management number +254 709 220 555 and we will be glad to help you out.

Family of 4 all smiles in the living room

Hey, Welcome! Safeguard the lives of your loved ones today. Complete the quote process in few simple steps

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We promise to stand
by you for Life

Call 0709 922 000 / 0709 922 555 / 0709 922 666

Renew Your Cover Today!#USIBAHATISHE

Why Renewing Your Policy Matters!

Stay secured by renewing your health insurance before it lapses.

Prepare & Protect your financial wellbeing by arranging your renewal early.

BetterLife gets Better when you are continually secured.

We will then carry out a customary verification of the required documents.

  • Fire, Lightning, Earthquake or Volcanic eruptions (including flash floods) underground fire, subsidence or landslides.
  • Explosions.
  • Riot, Strike and civil commotion.
  • Malicious damage by persons other than anyone else from your household.
  • Aircraft or other aerial devices that may land on your house.
  • Bursting or overflowing or escape of water from tanks, pipes etc.
  • Wind, Storms and tempest including floods and overflow of sea water.
  • Covers liability under WIBA  for domestic employees as results of any bodily injury by accident or diseases arising out of and in the course of employment.
  • Accidental bodily injuries/death to third parties to both occupants and owners liability.
  • Accidental loss of  or damage to property belonging to third parties to occupants and owners liability.

Benefits for Domestic Workers:

  • Death, PTD, TTD, Medical expenses and Funeral Expenses are covered under WIBA.

Minimum premium per policy KSHS. 3,000


Benefits of having Madison Betterlife:

  • Exclusive Covid-19 cover ranging from Kshs. 300,000 to Kshs.
  • Flexible pricing allowing you to choose benefits based on your financial capability.
  • Allows you to purchase a cover for medical access that excludes co-payment option.
  • A wide Scope of Benefits to choose from, ranging from Kshs. 500,000 to Kshs. 5,000,000 for inpatient per person and Kshs. 50,000 to Kshs. 200,000 for outpatient per person.
  • Enables you to conveniently buy a cover online by logging into the Madison website.
  • Get E-policy & Virtual Biometric Smart Card for efficient access to medical services.

What’s not covered:

  • Political risks and terrorism.
  • Any loss occasioned directly/indirectly by order of government, any public municipal or local authority.
  • Unspecified jewelry, watches, gold and silver articles, binoculars and photographic equipment etc for private use.
  • Unspecified luggage, clothing and personal effects. 

How long should a member wait before accessing the Betterlife Health Insurance Cover Kenya?

Key waiting periods to note:

  • No waiting period for accident cases.
  • 30 days for outpatient illnesses and inpatient non-chronic admissions.
  • 30 days for inpatient Covid-19 treatment.
  • 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, Iipomas and repair of hernia.
  • One year for optical laser treatment.
  • Two years for Cancer treatment.
  • Two years for organ transplant.

What is required for enrollment?

  • Duly completed medical application form.
  • Copies of national IDs/Passports for Principal and spouse
  • Birth certificates for children aged between 0-18 years.
  • Proof of schooling for dependant children aged 19-25 years.
  • A copy of KRA PIN Certificate for the principal member.
  • Payment of full applicable premium.

Frequently Asked Questions

Why the Madison Betterlife Health Insurance Cover is For You.

We offer a whole lot when it comes to protecting your own health and that of your loved ones. Do not let medical emergencies weigh you down. Prepare and protect yourself with the most affordable and extensive health insurance cover in Kenya.

How can I buy the Madison Betterlife Health Insurance Cover in Kenya?

You can easily purchase the Madison Betterlife Health Insurance Cover through the following channels:

  • Preferred insurance broker or agent.
  • Visiting any of our branches.
  • Convenient online purchase via our website or USSD platform *828#.

Who is eligible for this amazing cover?

Simple, everybody!! The Madison Betterlife Health Insurance Cover is all-inclusive and provides coverage to a wide category of people in Kenya.

Whether you are single or married with a dependent, we’ve got you.

The principal member must be between 18 – 64 years with persons aged 50 years and above being required to undertake a medical examination test prior to joining.

Children are 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 are covered from birth (upon notification) up till the principal member terminates the policy or the child gets married/ employed.

For how long is a member covered?

Once purchased, the cover remains valid for life as long as it is renewed annually or until policy termination.

How can a member access health services after purchase?

Upon payment and confirmation of cover, members will receive an SMS from Smart Access to download the Smart Access app for accessing medical services at listed providers.

Additionally, you will also get an E-policy document. This contains; a cover note detailing benefits purchased, receipt of premium paid, and a list of accredited hospitals.

Does the cover extend to overseas treatment?

Overseas treatment is covered on a pre-authorization basis for a maximum of 8 consecutive weeks while traveling for business or leisure.

Can one pay and claim later?

We have a vast provider panel hence encourage our members to strictly stick to accessing services from the accredited panel.

How can a member reach the care managers?

For care-related queries, members can contact the 24/7 care line at 0709922555 or email

The policy document, application forms and policy schedule shall be read as one document

For any inquiries or assistance, feel free to contact us. We’re here to support you every step of the way.

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