Medical Insurance

In-Patient Cover

Medical care that requires hospitalization.

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Medical care that requires hospitalization.

Benefits

Hospital bed charges
Prescription drugs
Laboratory
Surgical procedures
ICU expenses

Get this cover

Speak to an Oakstem advisor and receive a tailored quote within 24 hours.

Request a Quote → +254 717 966 970

Trusted Underwriters

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Included

What this cover includes

Hospital bed charges
Prescription drugs
Laboratory
Surgical procedures
ICU expenses

Excluded

Typical exclusions

Pre-existing conditions or losses arising before the policy inception date
Wilful or fraudulent acts by the insured
War, nuclear risks and government action (subject to specific extensions)
Wear and tear, mechanical breakdown and gradual deterioration

Get ready

Documents we will need

National ID or KRA PIN of the proposer
Asset / insured-item details (registration, valuation, etc.)
Previous claims history if any
Any underwriter-specific declarations

FAQ

Frequently Asked

Quick answers about In-Patient Cover.

Most policies are issued within 24–48 hours of receipt of complete documentation and premium.

Many of our underwriters allow quarterly or monthly instalments for qualifying policies — we will confirm at quotation.

Notify Oakstem immediately on +254 717 966 970 or info@oaksteminsurance.co.ke. We will guide you through documentation and follow the claim through to settlement.

Other cover in this pillar

View pillar →

Out-Patient Cover

Medical care that does not require an overnight stay in hospital.

Learn more →

Maternity Cover

Pregnancy and childbirth-related healthcare cover.

Learn more →

Optical Cover

Cover for eye care.

Learn more →

Dental Cover

Treatments aimed at maintaining healthy teeth.

Learn more →

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