Loan Products

Asset Finance

Borrow up to 4 times your savings at 0% interest, repayable in 3 years, secured by the asset. Medical scheme membership and applicable fees apply. Early repayment is penalty-free.

Development Loans.

Get up to 4 times your savings for projects with 0% interest, repayable in 24 months. Requires medical scheme membership, guarantors, and fees. Funds are disbursed based on project progress.

Emergency Loans

Access up to 2 times your savings with 0% interest, approved in 2 hours, repayable in 6 months. Medical scheme membership and fees apply, with no guarantors needed.

Personal Loan.

Borrow up to 3 times your savings with 0% interest, repayable flexibly. Medical scheme membership, six months of savings, and fees are required. Funds are sent to M-PESA within six hours.

Business Loan

Get up to 4 times your savings at 0% interest to grow your business. Requires medical scheme membership, six months of savings, guarantors, and fees.

Medical Plans


The main benefits under Inpatient Only


Bronze Package

Inpatient: KES. 250,000
Personal Accident : KES. 250,000
Maternity: KES. 30,000

Silver Package

Inpatient: KES. 350,000
Personal Accident: KES. 250,000
Maternity: KES. 40,000

Gold Package

Inpatient: KES. 500,000
Personal Accident: KES. 250,000
Maternity: KES. 60,000

The main benefits under Inpatient and Outpatient


Bronze Package

Outpatient: KES. 30,000
Inpatient: KES. 250,000
Personal Accident: KES. 250,000
Maternity: KES. 30,000
Dental: KES. 5,000
Optical: KES. 5,000

Silver Package

Outpatient: KES. 50,000
Inpatient: KES. 350,000
Personal Accident: KES. 250,000
Maternity: KES. 40,000
Dental: KES. 6,000
Optical: KES. 6,000

Gold Package

Outpatient: KES. 100,000
Inpatient: KES. 500,000
Personal Accident: KES. 250,000
Maternity: KES. 60,000
Dental: KES. 10,000
Optical: KES. 10,000

Medical Benefits


Bronze Package

DAILY CONTRIBUTION: KES. 38
Overall Limit: KES. 250,000
Injuries Sustained in an Accident: KES. 250,000
Pre-existing, Chronic and Congenital Conditions, AIDS/HIV: KES. 125,000
Physiotherapy as part of treatment: Covered
CT, MRI/X-rays and PET scans: Covered
Maternity: KES. 30,000
Funeral Expense: KES. 25,000
Family Size: Maximum 4

Silver Package

DAILY CONTRIBUTION: KES. 40
Overall Limit: KES. 350,000
Injuries Sustained in an Accident: KES. 350,000
Pre-existing, Chronic and Congenital Conditions, AIDS/HIV: KES. 175,000
Physiotherapy as part of treatment: Covered
CT, MRI/X-rays and PET scans: Covered
Maternity: KES. 40,000
Funeral Expense: KES. 35,000
Family Size: Maximum 4

Gold Package

DAILY CONTRIBUTION: KES. 50
Overall Limit: KES. 500,000
Injuries Sustained in an Accident: KES. 500,000
Pre-existing, Chronic and Congenital Conditions, AIDS/HIV: KES. 250,000
Physiotherapy as part of treatment: Covered
CT, MRI/X-rays and PET scans: Covered
Maternity: KES. 60,000
Funeral Expense: KES. 50,000
Last Expense: KES. 100,000
Ambulance Services: Covered
Family Size: Maximum 4