The Britam Essential 2 Milele Health Plan is an entry-level, budget-friendly medical insurance option from Britam General Insurance (K) Ltd, designed for individuals and families seeking accessible quality healthcare. It focuses on inpatient cover with optional add-ons for outpatient, maternity, dental, optical, and funeral benefits. As part of the broader Milele Health suite (which includes tiers like Premier, Advantage, Gold, Silver, Bronze, and Essential variants), Essential 2 targets cost-conscious Kenyans, emphasizing lifetime renewable cover, chronic condition support (after waiting periods), and access to mission, referral, and government hospitals on the Britam panel.
This plan stands out for its affordability, no maximum exit age (join up to 75 with medical tests for seniors), and family-friendly features like lodger fees for children. It’s regulated by the Insurance Regulatory Authority (IRA) and complements SHA (compulsory requirement). Premiums are age-based, with flexible payment options (monthly, quarterly, etc.).
Key Cover Features & Benefits
- Lifetime Cover (subject to annual renewal and premiums)
- Free annual wellness check-up (from 13th month; principal + spouse, includes pre-conception counseling/family planning)
- Inpatient hospitalization (doctors/surgeons/anaesthetists fees, nursing, drugs/dressings, theatre/ICU/HDU, MRI/CT scans, pathology/diagnostics while admitted, daycare surgery under GA)
- Home nursing care (pre-authorised)
- Lodger fee for parent/guardian accompanying children up to 10 years
- Internal/external surgical implants, appliances, joint replacements, prostheses (excl. dental fixtures)
- Local emergency road/air ambulance (must lead to admission)
- Emergency treatment abroad/on holiday/business travel (reimbursement)
- Overseas referral (panel in India; others pre-authorised)
- COVID-19 hospitalization cover
- Accidental-related dental/optical treatment
- Alternate cash-back benefit (min 2 days/nights inpatient not charged to Britam; claim with doctor-stamped form & hospital copies)
Inpatient Scope & Sublimits (All Subject to Overall Annual Limit)
The plan offers inpatient limits from Ksh 300,000 to Ksh 10,000,000, with corresponding sublimits for chronic/newly diagnosed conditions, maternity (standalone), etc.
| Plan Type (Annual Inpatient Limit) | 300,000 | 500,000 | 1,000,000 | 2,000,000 | 3,000,000 | 5,000,000 | 10,000,000 |
|---|---|---|---|---|---|---|---|
| Newly Diagnosed Chronic (excl. Cancer/HIV; if within 6 months = pre-existing) | 150,000 | 200,000 | 350,000 | 500,000 | 750,000 | 1,000,000 | 1,000,000 |
| Pre-existing Chronic Ailment | 100,000 | 200,000 | 300,000 | 400,000 | 500,000 | 600,000 | 1,000,000 |
| HIV/Cancer Treatment, Radiotherapy/Chemotherapy | Full limits (12-month waiting period) | ||||||
| Psychiatric/Mental Wellness | 50,000 | 100,000 | 125,000 | 150,000 | 200,000 | 200,000 | 400,000 |
| Congenital Ailment (12-month waiting; waived if mother had maternity cover) | 50,000 | 100,000 | 150,000 | 200,000 | 250,000 | 300,000 | 500,000 |
| Organ Transplant (new/pre-existing; 2-year waiting) | Within chronic sublimit | ||||||
| Non-Accidental Dental/Optical (incl. laser) | 10,000 | 15,000 | 20,000 | 25,000 | 30,000 | 30,000 | 50,000 |
| Last Expense/Funeral | Within inpatient limits | ||||||
| Annual Wellness Check-up (from 13th month; principal + spouse) | 30,000 | 50,000 | 75,000 | 100,000 | 100,000 | 100,000 | 150,000 |
| Post-Hospitalization (surgical/accident; reimbursement) | 30 days after discharge |
Hospital Accommodation:
- 300K–1M: General Ward bed
- 2M: Private room without bath/basin (max Ksh 12,000/day)
- 3M: Private room without bath/basin (max Ksh 15,000/day)
- 5M: Private room with bath/basin (max Ksh 23,000/day)
- 10M: Private room without bath/basin
COVID-19 Hospitalization: 100,000–1,000,000 based on plan.
Optional Add-Ons
- Outpatient (limits Ksh 50,000–200,000): Routine consultations/specialists, diagnostics (X-ray, lab, ultrasound, ECG/EEG, CT/MRI), pre/post-natal (incl. 2 ultrasounds), physiotherapy, prescribed drugs/dressings, chronic/pre-existing/Congenital/Cancer/HIV/ARVs, KEPI vaccinations (up to 1.5 years), psychiatric counseling, home-based COVID care (up to Ksh 15,000). Co-pays: Ksh 1,500 at select high-end hospitals (Aga Khan, Nairobi Hospital, etc.); Ksh 500 others.
- Maternity (standalone): Ksh 80,000–300,000
- Dental/Optical: Ksh 10,000–40,000 (accidental/non-accidental)
Eligibility & Key Rules
- Min joining age: After birth (newborns via birth notification/application)
- Max entry age: 75 years (seniors 55+ need medical tests at applicant cost)
- Children over 18: Covered to 25 with proof of schooling
- No max exit age; SHA compulsory
- Waiting periods: 12 months for maternity/congenital/psychiatric/radiotherapy/chemo; 2 years organ transplant; waived for previous cover benefits (proof required; acute/accidents immediate)
- Pre-existing/chronic: Sub-limits first years; disclose or risk non-cover/cancellation
Exclusions (Common Highlights)
- Self-referred/self-prescribed treatment
- Infertility/impotence
- Intentional self-injury, suicide, substance abuse
- Hazardous sports/hobbies
- Cosmetic/beauty (unless accident-related)
- Experimental/research treatments
- Weight management
- Diagnostic equipment (glucometers, etc.)
- External appliances (crutches, wheelchairs)
- Dental prosthesis/crowns/bridges/braces
- Alternative medicine (unless GP-referred)
- Recoverable from other sources (e.g., SHA)
- Out-of-panel treatment
- Nutritional supplements (unless prescribed)
- Menopause/andropause/ageing/puberty/PMS
- Overseas expenses (except max 8 weeks)
- Misstated/withheld info
- Obesity/slimming
- Hearing aids
- Donor costs for transplant
- Excess over limits
What You Get Upon Purchase
- Membership card (family)
- Welcome letter
- Policy document
- List of panel hospitals/providers
How to Access & Enroll
Carry medical card + ID/Passport. Newborns: Immediate notification + birth notification + application + premium. Transfers: Provide previous renewal letter (grace period 30 days accepted). Contact Britam for quotes.
Contact Britam:
Britam General Insurance Company (K) Ltd
5th Floor, Britam Center, Ragati Road, Upper Hill
P.O. Box 30375-00100, Nairobi
Tel: 020 2833027 / 0709 165 000
Email: milele@britam.com
Website: www.britam.com (or ke.britam.com)
Britam Milele Essential 2 is ideal for families in Kakamega and across Kenya wanting reliable, affordable inpatient protection with optional extras. For personalized premiums (age-dependent) or quotes, visit the Britam site, SMS “Milele” to 21778, or call the numbers above. Always review the full policy document for complete terms. Secure your family’s health today!
