Written by
John Spencer
John Spencer is the founder of Compare Expat Plans, focusing on clear, neutral information to help people find health coverage abroad.
Last updated: January 29, 2026
IMG Global in Kenya
IMG Global is a major international health insurance provider serving expats in Kenya. With international standard coverage, it provides targeted protection for specific needs.
The key advantage of IMG Global over local Kenyan insurers is portability—if you leave Kenya, your coverage comes with you. For expats who travel frequently or aren't certain they'll stay long-term, this flexibility is valuable.
Who It's Best For
Best For
Budget international coverage
Not Ideal For
Those wanting premium service levels
Visa & Insurance Requirements
Health insurance is not mandatory but strongly recommended
- Kenya doesn't strictly require health insurance for most visa types
- However, private coverage is strongly recommended for quality care
Visa Tip
Even without a requirement, having coverage protects you from unexpected medical costs.
Network & Hospital Coverage
IMG Global maintains a network of hospitals and clinics in Kenya. Major cities typically have multiple in-network options with direct billing available.
What You Get
- Use online provider finder or mobile app to locate network providers
- Direct billing available at major network hospitals
- Can use any licensed provider with reimbursement option
- 24/7 assistance line can help locate nearby care
Things to Know
- Network coverage is strongest in major cities and expat areas
- Rural areas may require travel to larger cities or reimbursement claims
- Verify specific hospitals are in-network before planned procedures
Check IMG Global's Network
Verify coverage in your specific Kenya location before purchasing.
View Provider DetailsPricing Guide for Kenya
Typical cost: $100-200/month for comprehensive coverage
Factors That Affect Your Premium
- Age (premiums increase significantly after 50)
- Deductible amount ($0-$5,000+ options available)
- Coverage area (worldwide vs regional)
- US coverage inclusion (adds 30-50% to premium)
- Add-ons like dental, vision, maternity
Ways to Save
- Consider a higher deductible—routine care is affordable locally
- Pay for minor care out of pocket and use insurance for major expenses
IMG Global vs Local Kenyan Insurers
How does IMG Global compare to local insurance options in Kenya? Here's the key differences:
| Factor | IMG Global | Local Insurers |
|---|---|---|
| Monthly Cost | Higher ($150-300+) | Lower ($60-150) |
| Coverage Area | Worldwide | Kenya only |
| Language Support | English 24/7 | Often local language |
| Network Size | Good in major cities | Very extensive locally |
| If You Move Countries | Coverage continues | Must cancel and restart |
| Claims Process | International standard | Local process |
| Pre-existing Conditions | Underwriting required | Varies by insurer |
Bottom line: Choose IMG Global if you travel frequently or might relocate. Choose a local insurer if you're settling in Kenya long-term and want lower costs with the best local network.
Common Scenarios
Here's how IMG Global works for different expat situations in Kenya:
Digital nomad staying 6-12 months
IMG Global works well—coverage continues if you move to another country, and meets most visa requirements.
Retiree settling long-term
Consider whether you need worldwide coverage. If staying put, a local insurer might offer better value. IMG Global is better if you travel frequently.
Family with children
IMG Global offers family plans with pediatric coverage. Check maternity benefits if planning more children (usually 10-12 month waiting period).
Remote worker traveling regularly
Ideal fit—IMG Global's worldwide coverage means you're protected whether in Kenya or traveling for work.
Using Your IMG Global Coverage in Kenya
Getting Care
- Find a provider — Use the online directory or app to locate in-network hospitals and doctors
- Show your card — At network facilities, present your insurance card for direct billing
- Pay your share — Only pay your deductible or copay (if any)
If You Use Out-of-Network Care
- Pay the provider directly
- Get itemized receipts with diagnosis codes
- Submit claim via app or online portal
- Receive reimbursement in 5-15 business days
Emergency Care
In emergencies, go to the nearest hospital regardless of network status. Contact IMG Global within 48 hours to coordinate coverage. Emergency care is covered at any facility.
Support
IMG Global offers 24/7 multilingual support. Claims can be submitted via mobile app, online portal, or email.
Frequently Asked Questions
Is IMG Global accepted for Kenya visa applications?
Kenya doesn't require health insurance for most visa types, so acceptance isn't typically an issue. However, having proof of coverage can strengthen your application.
Can I use any hospital in Kenya with IMG Global?
You can receive care at any licensed medical facility in Kenya. Network hospitals offer direct billing (cashless treatment). For non-network providers, you pay upfront and submit a claim for reimbursement, typically processed within 5-15 business days.
What if I leave Kenya?
Your IMG Global coverage continues wherever you go. Simply update your residence country with the insurer. This is a major advantage over local insurance, which typically ends when you leave.
How does IMG Global compare to local Kenyan insurers?
IMG Global costs more but offers worldwide coverage, English support, and portability. Local insurers cost less with more extensive in-country networks. Choose IMG Global if you travel frequently or might relocate; choose local if you're staying long-term and want lower costs.
How do I find doctors and hospitals?
Use IMG Global's online provider finder or mobile app. You can search by location, specialty, and language. The 24/7 assistance line can also help locate care anywhere in Kenya.
What's not covered by IMG Global?
Common exclusions include: pre-existing conditions (may be covered after waiting period or with loading), cosmetic procedures, experimental treatments, and injuries from extreme sports (may require add-on). Dental and vision are typically optional add-ons. Review your specific policy for complete exclusion list.
Alternatives to Consider
IMG Global isn't the only option for expats in Kenya. Here are other providers to compare:
Disclaimer: This guide is for informational purposes only. Coverage details, pricing, and network availability change. We are not insurance brokers or licensed advisors. Verify all information with IMG Global and relevant authorities before making decisions.