Access to private health insurance for older persons is limited (Maina, 2017) due to financial constraints. Although the proportion of people purchasing private long-term care insurance in Kenya is currently not documented, insurance companies provide inpatient and outpatient services depending on the ability to pay. For example, the Afya Imara Seniors insurance that provides health benefits for individuals between 65 and 80 years charge premium rates ranging between Kshs.57,755 to Kshs.113,565 per person for inpatient services and between Kshs.45,244 to Kshs.61,566 per person for outpatient services (UAP OldMutual, 2020). Further information on how private insurance markets are regulated in general (not specific to LTC) is provided in the overall health system under health system financing.

References:

Maina, L. (2017). How Kenya can ensure adequate health care for its older people. The Conversation, 25 January. https://theconversation.com/how-kenya-can-ensure-adequate-health-care-for-its-older-people-70163

UAP OldMutual. (2020). What you get with Afya Imara Seniors. https://www.uapoldmutual.com/h/health-insurance/solution/afya-imara-seniors