1
Inpatient Hospitalisation
Core benefit — hospital bed accommodation, day care surgery, doctors' fees and home nursing.
Solutions > SME Health Cover
Comprehensive Medical Cover for Small & Growing Teams
Quality healthcare shouldn't be only for large companies. APA SME Medical Cover is a comprehensive insurance solution designed for organisations with three to nine employees. It offers flexibility on cost and panel access without compr
From 3 Employees
Corporate-style cover for small teams
No Waiting Period
No co-pay — simple & affordable
What is APA SME Medical Cover?
Quality healthcare shouldn't be only for large companies. APA SME Medical Cover is a comprehensive insurance solution designed for organisations with three to nine employees. It offers flexibility on cost and panel access without compromising the scope of cover — spanning inpatient, outpatient, dental, optical and maternity, including a post-hospitalisation benefit, with no waiting period and no co-pay.
Highlights
- Comprehensive medical cover for organisations with three to nine employees and their dependants.
- Inpatient is core — add optional outpatient, dental, optical and maternity with flexible cost and panel options.
- No waiting period and no co-pay — post-hospitalisation benefit included.
- Wellness programmes, chronic disease management, telemedicine and Pharma First Care via APA Health.
What is Covered and Not Covered Under SME Health Cover?
Toggle between the categories below to understand the comprehensive scope of our cover details.
2
Optional Outpatient
Add outpatient cover for consultations, diagnostics and day-to-day medical care.
3
Dental & Optical
Optional routine dental and optical consultations alongside core inpatient cover.
4
Maternity Cover
Optional maternity benefit with no waiting period on SME cover.
5
Post-Hospitalisation
Post-hospitalisation benefit included to support recovery after inpatient treatment.
6
Chronic & Pre-Existing
Chronic and pre-existing conditions covered with no waiting period on SME medical cover.
Eligibility & Documentation
Eligibility Criteria
Specifications
Who Qualifies
SMEs with three (3) to nine (9) employees; maximum joining age 65 years for members.
Documents
Corporate data gathering form, individual health application forms and member list.
Cover Scope
Inpatient (core), optional outpatient, dental, optical and maternity — flexible panel options.
Rating Basis
Inpatient limit, optional benefits, panel option, group size and member ages — SME quoting tool available.
How to Buy APA SME Medical Cover?
1
Complete a quote request and corporate data gathering form with your member list.
2
Choose inpatient limit, optional benefits and panel option via the SME quoting tool.
3
Apply through APA Health Division, a branch or intermediary (apa.sme@apainsurance.org or 0709 912 237).
4
Receive your SME policy covering employees and dependants from commencement date.
Everything You Need, All in One Place
Access policy documents, claim forms, renewals, and important resources anytime.
Real Stories from Customers Who Trust Our Coverage
Learn why professionals trust our solutions to complete better customer journeys.
“Support became faster, clearer, and more consistent across every customer touchpoint. It changed how we interact with our clients.”
Nia Afolayan
Customer Expert
Chioma Nwosu
Customer Success
“The onboarding was smooth from day one, and our team saw measurable results quickly. It gave us a much faster customer journey.”
Jordan Mensah
Growth Manager
Daniel Okoro
Founder
“It helped us create a better customer journey without adding complexity for the team, keeping all departments aligned.”
Robert Hayes
Regional Partner
Frequently Asked Questions
A comprehensive medical scheme for organisations with three to nine employees, covering inpatient, outpatient, dental, optical and maternity with a post-hospitalisation benefit.
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
Your Health, Our Priority
+
Motor Insurance
Your Family Awaits, Drive Safely
+
Life Insurance
Enjoy every moment you live
“The easiest way to manage my cover.”
— Sarah K., Nairobi
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
+
Motor Insurance
+
Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
