A Step to Step Guide on Dental Insurance in Kenya

A medical insurance plan is the most known type of insurance policy for the general public. Families

A medical insurance plan is the most known type of insurance policy for the general public. Families and individuals often look for the affordable comprehensive health insurance package.

Ideally, many fundraise when a person is faced with a crisis like a serious illness. When looking for dental insurance in Kenya, check out factors like price and benefits. However, if you’ve teeth and eye conditions, you may incur additional expenses. Therefore make sure you seek a proficient dentist or optician to avoid paying unnecessary costs. 

Today, the price of opticians and dentists cost Ksh 5,000. The process takes at least 30 minutes.  While a pair of spectacles and eye tests cost over 10,000 per visit.  Therefore, look for the best dental insurance in Kenya to get quality services and products at affordable rate.  Here, is the list of dental insurance covers in Kenya:

Corporate Medical Insurance Covers      

Many are covered by SME and corporate medical insurance provided by their employees.  The policy differs from one sector to another sector. Some sectors don’t provide optical and dental medical insurance cover to their employees. But others do!

Best Dental Insurance in Kenya for braces and Optical on NHIF Dental Cover 

The National Health Insurance Fund (NHIF) has given many Kenyans a reason to smile again through universal health insurance cover. A person registers for the cover by paying 500 monthly. The nhif dental hospitals provide dental services like filling and tooth extraction.  While the universal health insurance provider offers optical medical services at specific hospitals in the country.

Kenyan Private Medical Insurance

The majority of the private dental medical insurance in Kenya offers optical and dental insurance packages.  Here are two important differences to note:

First, the advantages often enjoyed by the outpatient. That means you can't enjoy them when you’re hospitalized. But, don’t bother with that! Because the best dental insurance in Kenya offers sub-limits under the impatient medical insurance plans. However, it provides limits under ophthalmology and dental illness.  An ophthalmologist deals with surgical eye conditions and medicine.

Secondly, insurance companies like AAR Insurance Kenya provide dental and optical benefits under the outpatient plan. So, when you buy an outpatient package, you get dental and optical services. 

Health insurance companies in Kenya offer optical and dental benefits like outpatient plans. So, buy an inpatient policy that comes with an outpatient plan and dental and optical add-ons. These two add-ons are taken together, especially if you buy for your partner or family.  That means it’s impossible to take optical add-ons without taking dental add-ons.

Health insurance companies in Kenya like UAP Medical Insurance, Jubilee Insurance, and Resolution Health Insurance company provide dental and optical benefits.  Unfortunately, many families find it hard to buy add-ons, especially for their members or others. Therefore, if you buy them, do so for all your family members. 

Another advantage of the best dental insurance in Kenya is that it has many clinics and hospitals. It also has proficient opticians and dentists worldwide. So, choose one that matches your needs. Here are the benefits covered in an optical cover in Kenya:

·         Prescriptions of frames

·         Optical Prescription

·         Routine optical consultations

·         Replacement of lenses and prescribed lenses

Kenya Health insurance companies offer barriers on how a person can claim benefits under optical insurance like spectacles and eyeglasses. The main reason behind this is to prevent the misuse of these benefits.

The following are some of the best dental care covers:

·         Braces

·         Consultation

·         Bridging

·         Extractions

·         Crowning

·         Filling

·         Dental Prescriptions

·         Scaling

·         Dental X-Rays

Optical and Dental Medical Insurance Rates 

How much does the best dental insurance cost? Dental insurance offers cover between 5,000- 50,000, but this depends on the provider. However, the rates for dental and optical are charged per person.   For example, dental clinics in Nairobi charge 2100 per add-on for either dental or optical conditions, but this differs with the insured age.