Kenya Mandates $50,000 Health Insurance for All Foreign Visitors

Coverage Breakdown and Requirements

The mandatory cover, anchored in the Social Health Insurance Act of 2023, is structured across five specific benefit categories :

• Medical expenses: Up to $20,000

• Emergency medical transportation: Up to $25,000

• Repatriation of mortal remains: Up to $5,000

• Mental illness treatment: Up to $1,000

• Prescribed medicines: Up to $300

While individual benefit limits vary, the cumulative policy limit must reach the $50,000 threshold. The insurance must be procured exclusively from insurers approved and licensed under Kenya’s Insurance Act, ensuring only regulated, financially sound companies participate.

The mandatory visitor medical cover was first introduced under the Social Health Insurance Act of 2023 but stalled repeatedly due to procurement disputes. A restricted tender issued by the State Department for Immigration in December 2024 was cancelled in January 2025 after the Public Procurement Regulatory Authority flagged legal violations and insurance companies raised objections.

Kenya has adopted a “designated approach” for the mandatory medical cover, meaning the government selects both the insurance product and provider through a tender process, rather than permitting travellers to arrange cover independently from abroad.

The timing of the regulation is significant for Kenya’s tourism industry. International arrivals have surged post-pandemic, with the country welcoming 2.55 million visitors in 2025, a 6.2% increase from the previous year. August remains Kenya’s busiest tourism month, with arrivals peaking at 277,155 in August 2025.

The government’s decision has drawn comparisons to similar requirements in other jurisdictions. The Schengen Area mandates travel medical insurance with a minimum of €30,000 coverage for visa applicants, while Zanzibar implemented a $44 mandatory insurance fee for visitors in September 2024. However, Kenya’s $50,000 minimum is significantly higher, reflecting the considerable cost of emergency evacuation and air ambulance services in the region.

The policy has sparked debate within the tourism industry, with some critics arguing that travellers should not be forced into purchasing government-approved insurance when many already hold reliable private coverage. There are concerns about Kenya’s competitiveness compared to neighbouring countries like Tanzania, Rwanda, Botswana, Zambia, and South Africa, which do not impose such mandatory travel insurance requirements.

The government is working with Immigration and the Kenya Civil Aviation Authority to integrate insurance verification into the entry process. Travellers will likely be required to purchase the cover before travel or upon arrival and present a digital certificate, with airlines potentially checking for proof of insurance at check-in.

Implementation will depend on finalizing the list of approved insurers, launching a verification portal, and training border and airline staff. The Ministry of Health is expected to publish a list of approved providers once the implementation framework is finalized.