Kenya’s next health insurance growth lies at both ends of life

Kenya’s health financing conversation is entering a more demanding phase. Families still carry real medical risk and the insurance market is under pressure to demonstrate that it understands different demographic needs, not just pricing of benefits.

That shift matters because for years, much of the market has been organised around the economically active adult: the employee on a scheme, the principal member on a family plan, or the household buyer looking for broad but standardised protection. That model is valid, but it also has blind spots.