Britam Health Insurance Products: Complete Agent Guide
Britam is one of Kenya's oldest and largest insurance companies.
For agents, that heritage matters. Clients recognize the name. They've seen the billboards. Their parents might have Britam policies.
But name recognition isn't enough. You need to know the products inside out.
Here's your complete guide to selling Britam health insurance.
Table of Contents
- Britam Health Insurance Product Overview
- Britam Biashara Health
- Britam Family Health
- Britam Senior Health
- Britam Corporate Health
- Britam Hospital Network
- Waiting Periods
- Positioning Britam Against Competitors
- Sales Tips for Britam Products
- Common Client Questions
- Underwriting Requirements
- Your Action Items
- Next Steps
Britam Health Insurance Product Overview
Britam offers health insurance across multiple segments:
| Product Line | Target Market | Premium Range |
|---|---|---|
| Britam Biashara Health | Individuals, SMEs | KES 25,000–150,000/year |
| Britam Family Health | Families | KES 40,000–200,000/year |
| Britam Senior Health | Ages 60+ | KES 50,000–120,000/year |
| Britam Corporate Health | Companies 20+ employees | Custom pricing |
Let's break down each product.
Britam Biashara Health
This is Britam's individual and small business health product. Very popular with self-employed clients.
Coverage Tiers
| Tier | Inpatient Limit | Outpatient | Annual Premium (Individual) |
|---|---|---|---|
| Bronze | KES 500,000 | Not included | KES 25,000–35,000 |
| Silver | KES 1,000,000 | KES 50,000 | KES 40,000–55,000 |
| Gold | KES 2,500,000 | KES 100,000 | KES 70,000–95,000 |
| Platinum | KES 5,000,000 | KES 150,000 | KES 110,000–150,000 |
Key Benefits
Inpatient:
- Hospital accommodation (ward to private, based on tier)
- Surgical procedures
- ICU/HDU (sub-limits apply)
- Pre- and post-hospitalization
- Physiotherapy (post-surgery)
Outpatient (Silver and above):
- GP consultations
- Specialist consultations
- Prescription medicines
- Lab tests and x-rays
- Minor procedures
Optional Add-Ons:
- Maternity: KES 80,000–200,000 limit
- Dental: KES 15,000–40,000 limit
- Optical: KES 10,000–25,000 limit
- Last expense: KES 50,000–100,000
Commission Structure
| Premium Band | First Year | Renewal |
|---|---|---|
| Under KES 50,000 | 22% | 12% |
| KES 50,001–100,000 | 20% | 10% |
| Over KES 100,000 | 18% | 10% |
Example: A family on Gold tier paying KES 280,000/year earns you KES 50,400 first year.
Britam Family Health
Designed specifically for families with children.
What Makes It Different
- Child-friendly benefits (pediatric consultations prioritized)
- Vaccination coverage
- School accident cover included
- Flexible dependent options
Coverage Tiers
| Tier | Inpatient | Outpatient | Premium (M+1+2) |
|---|---|---|---|
| Essential | KES 1,000,000 | KES 60,000 | KES 65,000–85,000 |
| Comfort | KES 2,500,000 | KES 100,000 | KES 95,000–130,000 |
| Premium | KES 5,000,000 | KES 150,000 | KES 150,000–200,000 |
M+1+2 = Principal member + spouse + 2 children
Maternity in Family Plans
Maternity can be added to any tier:
| Maternity Option | Coverage | Additional Premium |
|---|---|---|
| Basic | KES 100,000 | KES 20,000–25,000 |
| Standard | KES 150,000 | KES 30,000–40,000 |
| Comprehensive | KES 250,000 | KES 50,000–65,000 |
12-month waiting period applies.
Britam Senior Health
For clients aged 60 and above. Important product as Kenya's population ages.
Entry Requirements
- Age 60–75 at entry
- Medical questionnaire required
- May require medical exam for higher covers
Coverage Options
| Option | Inpatient | Chronic Cover | Premium |
|---|---|---|---|
| Basic | KES 500,000 | KES 50,000 | KES 50,000–65,000 |
| Standard | KES 1,000,000 | KES 80,000 | KES 75,000–95,000 |
| Premium | KES 2,000,000 | KES 100,000 | KES 100,000–120,000 |
Key Senior Benefits
- Chronic disease management (diabetes, hypertension, etc.)
- Cancer treatment (limits apply)
- Cardiac care
- Stroke rehabilitation
- Home nursing (limited days)
Commission
Senior products pay 18% first year, 10% renewal across all tiers.
Britam Corporate Health
For companies with 20+ employees.
Why Companies Choose Britam
- Established corporate reputation
- Dedicated account management
- Flexible scheme design
- National hospital network
Scheme Structure
Corporate schemes are customized, but typical structures include:
| Category | Inpatient | Outpatient | Maternity |
|---|---|---|---|
| Senior Management | KES 5,000,000+ | KES 200,000 | KES 250,000 |
| Management | KES 2,500,000 | KES 100,000 | KES 150,000 |
| General Staff | KES 1,000,000 | KES 50,000 | KES 100,000 |
Corporate Commission
| Scheme Size | First Year | Renewal |
|---|---|---|
| 20–50 employees | 12% | 8% |
| 51–100 employees | 10% | 7% |
| 100+ employees | 8–10% | 5–7% |
Large schemes are competitive — expect negotiation.
Britam Hospital Network
Britam has one of the widest networks in Kenya.
Premium Network (0% Co-Pay on Higher Tiers)
- Nairobi Hospital
- Aga Khan University Hospital
- Karen Hospital
- M.P. Shah Hospital
- Metropolitan Hospital
- Gertrude's Children's Hospital
Standard Network
- Avenue Healthcare (all branches)
- AAR clinics
- Coptic Hospital
- Mater Hospital
- Nairobi Women's Hospital
- Most county and mission hospitals
Network Considerations
- Lower tiers may have co-payments at premium hospitals
- Always verify hospital acceptance before client visit
- Some hospitals require pre-authorization for elective procedures
Waiting Periods
Standard across Britam products:
| Condition | Waiting Period |
|---|---|
| General illness | 30 days |
| Pre-existing conditions | 12–24 months |
| Maternity | 12 months |
| Major surgery | 12 months |
| Cancer | 12 months |
| Chronic conditions | 6–12 months |
Continuity: For clients switching from another insurer, Britam often honors previous coverage dates. Ask your account manager.
Positioning Britam Against Competitors
vs. Jubilee
| Factor | Britam | Jubilee |
|---|---|---|
| Brand | Established | Market leader |
| Network | Wide | Widest |
| Pricing | Slightly lower | Premium |
| Commission | Higher | Lower |
Use Britam when: Client wants Jubilee-level cover at better value.
vs. AAR
| Factor | Britam | AAR |
|---|---|---|
| Hospital network | Wider | Own facilities + network |
| Outpatient | Standard | Strong (own clinics) |
| Commission | Similar | Similar |
Use Britam when: Client values hospital choice over AAR's own clinics.
vs. Resolution
| Factor | Britam | Resolution |
|---|---|---|
| Brand recognition | Higher | Lower |
| Flexibility | Moderate | High |
| Pricing | Standard | Competitive |
Use Britam when: Client wants established brand reliability.
Sales Tips for Britam Products
Lead with Heritage
"Britam has been in Kenya for over 50 years. When you need a claim paid, you want a company that's been doing this for decades."
Use the Network
"With Britam, you can walk into Nairobi Hospital, Aga Khan, or any of 500+ facilities across Kenya. Your card works everywhere."
Highlight Flexibility
"Whether you need basic cover or comprehensive family protection, Britam has options at every price point. Let's find what fits your situation."
Address Premium Concerns
"Yes, there are cheaper options out there. But when you're in hospital, you want an insurer who actually pays. Britam's claims settlement record speaks for itself."
Common Client Questions
"Is Britam good at paying claims?"
Britam has a strong claims record. They're publicly listed, financially stable, and regulated by IRA. For routine claims, expect 3–7 day processing.
"What if I'm already sick?"
Pre-existing conditions are covered after the waiting period. Britam doesn't exclude you — they just delay coverage for that specific condition.
"Can I add my parents?"
Parents need their own policy (Britam Senior Health). They can't be added as dependents to your individual or family plan.
Underwriting Requirements
Individual Applications
- Copy of National ID
- Completed proposal form
- Medical questionnaire
- Premium payment
Higher Cover or Older Applicants
May require:
- Medical examination
- Blood tests
- Specialist reports
- Health declaration
Your Action Items
- Download Britam product brochures from your agent portal
- Know the tier differences — Gold is usually the sweet spot
- Memorize commission structures for accurate client conversations
- Use BimaSasa to generate Britam quotes instantly
- Build relationships with your Britam account manager
Next Steps
- Set up BimaSasa to compare Britam quotes with other insurers
- Practice the "heritage" positioning pitch
- Read: How to Sell to SMEs: Group Health Insurance
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