Britam Milele Health Plan & Pricing in Kenya

Britam Milele Health Plan is a health insurance cover targeting middle-class to high net-worth individuals and families as opposed to their affordable Bima Ya Mwananchi health plan.

Milele is categorised into four namely: Milele Platinum, Gold, Silver, Bronze and Essentials.

Milele Platinum is the most expensive and comprehensive medical insurance cover targeting high-net worth individuals and families and those looking for a broad hospital access.

Milele Essential is the most affordable plan for cost conscious individuals and families and for those in areas without Tier I and Tier II hospitals. It is suitable for individuals starting their health insurance cover journey.

Milele inpatient limits for all plans begin from KES 300,000, 500,000, 1,000,000, 2,000,000, 3,000,000, 5,000,000 to KES 10,000,000 shared by the insured.

Inpatient limits for all plans range from KES 30,000, 50,000, 70,000, 100,000, 150,000, and KES 200,000 shared by the insured or unshared (each insured member has their own independent inpatient limit at an additional cost).

Milele health insurance cover features a critical illness cash benefit across all inpatient limits.

NB: According to my experience, outpatient limit is what makes health insurance cover very expensive. My advice is always simple: if you have an emergency fund (if not, I can help you set one) leave out inpatient cover completely or just take the lowest limit to prevent the annual premium from shooting up.

Milele Health Plan eligibility age is 80 years and below and once you get in, the cover is for life with annual premium renewals.

Milele Health Plan has also other variants, which should be covered individually since they are very comprehensive and include Milele Junior (covers children) and Milele SME (covers employees of small and medium enterprises as a medical benefit from their employer).

In this write up, I shall cover all Britam Milele Health Plan categories in detail in terms of their medical inpatient and outpatient coverage and premium ranges.

Besides the national health insurance under Social Health Authority in Kenya, you do really need a supplementary private health insurance cover. National health insurance is your constitutional right, and nobody should take away that right from you, but you need a private medical cover that can go beyond the limitations of the Social Health Insurance Fund (SHIF).

Here are Britam Milele Health Plan categories in detail from Platinum, Gold, Silver, Bronze to Essential.

Request a Britam Milele Health Plan Quote

Britam Milele Platinum Health Plan: Starting From KES 27,478

Milele Platinum is for those seeking the best in health protection. It is an upgrade from the Milele Gold cover which I will cover in a few seconds.

This plan offers a comprehensive premium medical insurance cover with high inpatient and outpatient limits, covering a wide range of diseases and conditions, including chronic and critical conditions.

You will also access all Britam’s accredited list of hospitals including Tier I, Tier II to Tier III hospitals. You will access Britam’s open panel.

Platinum cover offers strong protection to newly diagnosed and pre-existing chronic conditions.

It includes an enhanced psychiatric care and rehab which is a very unique offer in the market.

Here are some of the unique characteristics of Milele Platinum.

• Chronic conditions cover:

• Pre-existing chronic conditions, cancer, HIV/AIDS, and congenital conditions are covered up to the full inpatient limit after a 12-month waiting period.
• Newly diagnosed chronic conditions are covered with an inpatient sub-limit for the first 2 years and then up to the full inpatient limit from year 3 onwards

• Enhanced psychiatric care and mental health benefits: This includes comprehensive mental support that includes inpatient psychiatric care.
• Rehabilitation: This includes alcohol and substance abuse within the inpatient psychiatric limit.
• Annual Welness Checks: The plan features preventive health benefit which include yearly health check-ups for early detection and better long-term health outcomes.

NB: You can easily upgrade to Milele Platinum Health Plan from Gold, and Silver plans.

Britam Milele Gold Health Plan: Starting From KES 18,950

If you are a middle-class business owner/entrepreneur, aspiring professional, or a client who want premium health benefits, this Milele Gold is your package.

It is also suitable for clients who want to switch from Milele Silver plan as it bridges the gap between Platinum and Silver plans.

It is has a more competitive pricing as compared to the Platinum cover while still retaining Britam’s open hospital panel.

Some of the major offerings of Milele Gold plan include:

• Chronic conditions: Newly diagnosed chronic conditions are covered at higher sub-limits than in Silver plan. When we do quotations, you will be able to see these sub-limits and depends on inpatient limit you have chosen.
• Open panel access: You will access all Britam approved list of hospitals without the need to upgrade to Platinum plan.
• Enhanced psychiatric and rehab benefits: The Gold plan offers a comprehensive psychiatric care and alcohol and substance abuse rehabilitation.

Since Milele Gold is upgrade from Milele Silver plan, let jump to Silver plan.

Britam Milele Silver Health Plan: Starting From KES 12,132

Platinum, Gold and Silver plans are the top-notch plans.

They have very similar in terms of medical coverage and the only significant characteristic that sets them apart is the allocation of sub-limits to various diseases and conditions.

The platinum has the highest allocation, followed by Gold, and then Silver.

The silver plan is ideal for middle income earners, business people, entrepreneurs, and for individuals and families looking for a wide hospital choice.

You will access Britam’s open panel of Tier I, Tier II, and Tier III hospitals, just like the Platinum and Gold plans, but at a lower price point.

The only difference is that you will have lower sub-limits to the same diseases and conditions than in Platinum and Gold plans.

• Open Hospital Panel: You will access all hospitals accredited by Britam including Tier II hospitals.
• Annual wellness package: You will enjoy routine wellness checks for preventive and early detection.
• Mental Health: This plan also includes psychiatric care.

If you want the utmost health coverage, pick Platinum, Gold, or Silver plan.

Now, let me shift to Milele plans with lower health coverage (still very competitive, do not get this wrong) with lower price points.

These plans make sure many people are accommodated in getting comprehensive health care.

They are more affordable, when still offering great medical cover.

Britam Milele Bronze Plan: Starting From KES 9,001

Here, the tune changes in terms of hospital access and health coverage.

This plan fits well for cost conscious individuals and families, professionals, middle-income earners, and if you are outside Nairobi and major cities in Kenya.

This plan is also suitable if you are a beginner in the Britam Milele plan, so that you can understand it along the way.

Milele Bronze plan allows access to Britam’s accredited Tier II and Tier III hospitals, avoiding the high cost Tier I hospitals, for lower premiums.

You will have access to local mid-range and low-cost facilities including referral and mission hospitals.

The plan provides a great stepping stone to upgrade to Silver, Gold and Platinum plans.

Under this plan:

• Access to trusted medium cost hospitals: The Tier II hospitals include Avenue, Coptic, Nairobi West, Metropolitan among others in Nairobi. Other counties in Kenya have similar hospitals.
• Access to doctors and specialists: Specialists you can consult under this plan include gynecologist, pediatricians, cardiologists, and other specialists under the Britam panel.
• Annual wellness package: You will get routine wellness for early detection and improved long-term health.
• Mental health support: This plan includes psychiatric health care for overall wellbeing.

Now we jump to the most affordable cover in Britam Milele Health Plan, The Essential Plan.

Britam Milele Essential Health Plan: Starting From KES 8,127

Essential plan is a budget-friendly cover for those who want comprehensive medical coverage that does not break the bank.

If you just need basic inpatient and outpatient cover, while still cautious, this cover is for you.

Britam has another budget medical cover, Bima Ya Mwananchi, but this cover is not close to this one.

Essential plan, therefore, means you want a “budget cover” which is at the same time serious/comprehensive.

Here are the characteristics of Milele Essential Plan:

• Access to low-cost and mission hospitals: Some of these hospitals you have access to include Equity Afya, Penda Heath, mission hospitals (e.g. Kijabe), and county referral hospitals.
• Access to key specialists: You can consult doctors and specialists on Britam panel including pediatricians and general specialists.
• Annual wellness package: You will get a routine wellness package for early detection.
• Mental health support: Psychiatric care is included in this plan.
• Lower outpatient premiums: You will enjoy lower premiums for outpatient care as compared to the other plans under Milele Health Plan, making day to day health care more affordable.

From this plan, you can easily upgrade to the more comprehensive plans (Platinum, Gold, Silver, and Bronze plans).

We have established that Britam Milele suitable to a wide range of individuals and families. From those who want to fetch deep in their pockets seeking the most comprehensive heath cover to those who are cost conscious looking for basic medical cover.

The estimates indicated above ranging from KES 8,127, 9,001, 12,132, 18,950, and KES 27,478 for Essential, Bronze, Silver, Gold, and Platinum plans respectively are based on:

• An 18 years old individual
• Minimum inpatient limit of KES 300,000
• No outpatient/dental/optical/maternity
• No spouse
• No children

If age is increased , inpatient increased, outpatient included, spouse introduced, maternity factored, children introduced, the premiums will increase. In short, these are the factors that affect premiums you pay for health insurance cover.

To know how much you will pay as premium, you can request your free quote here. I will generate it in seconds. Just state your age and family details (if any) and your preferences in inpatient and outpatient limits, dental and optical limits, maternity limit (if any), and hospital preference.