Chat na Penda Payment & cover
Choose the route that applies to you. See what to bring, what to confirm and where to ask for the current price or cover decision.
Self-pay
Pay out of pocket for the services you receive, with transparent billing and a clear explanation of recommended care.
Social Health Authority
Looking for SHA-accredited care in Nairobi? Penda works with SHA at participating accredited Medical Centers. Whether a visit can be processed depends on current member eligibility, the service and the Medical Center. Confirm on WhatsApp before travelling.
Private cover
Penda works with Jubilee Health Insurance, CIC Group, Britam, APA Insurance and many other payers. Your exact scheme, benefit, Medical Center and approval rules determine what is covered for a particular visit.
Private cover
Penda works with participating schemes from Jubilee, CIC, Britam, APA, Madison, PACIS, Minet, Sanlam, Kenyan Alliance, GA Insurance, First Assurance, Old Mutual, IFA, Heritage and other payers shown below. Acceptance can vary by Medical Center, exact scheme and benefit, so confirm before travelling.
Your insurer, your scheme
Choose an insurer below for the short answer. In every case, the central WhatsApp team should confirm your exact scheme, benefit, service and Medical Center before you travel.
Britam cover may be used at participating Penda Medical Centers when your exact scheme, benefit, service and any approval rules allow it. Send your scheme name and preferred area to Penda’s central WhatsApp team before travelling so they can confirm the right Medical Center.
Madison Insurance cover may be used at participating Penda Medical Centers when your exact scheme, benefit, service and any approval rules allow it. Send your scheme name and preferred area to Penda’s central WhatsApp team before travelling so they can confirm the right Medical Center.
APA Insurance cover may be used at participating Penda Medical Centers when your exact scheme, benefit, service and any approval rules allow it. Send your scheme name and preferred area to Penda’s central WhatsApp team before travelling so they can confirm the right Medical Center.
PACIS Insurance cover may be used at participating Penda Medical Centers when your exact scheme, benefit, service and any approval rules allow it. Send your scheme name and preferred area to Penda’s central WhatsApp team before travelling so they can confirm the right Medical Center.
Minet cover may be used at participating Penda Medical Centers when your exact scheme, benefit, service and any approval rules allow it. Send your scheme name and preferred area to Penda’s central WhatsApp team before travelling so they can confirm the right Medical Center.
Sanlam cover may be used at participating Penda Medical Centers when your exact scheme, benefit, service and any approval rules allow it. Send your scheme name and preferred area to Penda’s central WhatsApp team before travelling so they can confirm the right Medical Center.
Kenyan Alliance cover may be used at participating Penda Medical Centers when your exact scheme, benefit, service and any approval rules allow it. Send your scheme name and preferred area to Penda’s central WhatsApp team before travelling so they can confirm the right Medical Center.
GA Insurance cover may be used at participating Penda Medical Centers when your exact scheme, benefit, service and any approval rules allow it. Send your scheme name and preferred area to Penda’s central WhatsApp team before travelling so they can confirm the right Medical Center.
Jubilee Health Insurance cover may be used at participating Penda Medical Centers when your exact scheme, benefit, service and any approval rules allow it. Send your scheme name and preferred area to Penda’s central WhatsApp team before travelling so they can confirm the right Medical Center.
First Assurance cover may be used at participating Penda Medical Centers when your exact scheme, benefit, service and any approval rules allow it. Send your scheme name and preferred area to Penda’s central WhatsApp team before travelling so they can confirm the right Medical Center.
Old Mutual cover may be used at participating Penda Medical Centers when your exact scheme, benefit, service and any approval rules allow it. Send your scheme name and preferred area to Penda’s central WhatsApp team before travelling so they can confirm the right Medical Center.
IFA Insurance for All cover may be used at participating Penda Medical Centers when your exact scheme, benefit, service and any approval rules allow it. Send your scheme name and preferred area to Penda’s central WhatsApp team before travelling so they can confirm the right Medical Center.
Sedgwick cover may be used at participating Penda Medical Centers when your exact scheme, benefit, service and any approval rules allow it. Send your scheme name and preferred area to Penda’s central WhatsApp team before travelling so they can confirm the right Medical Center.
Heritage Insurance cover may be used at participating Penda Medical Centers when your exact scheme, benefit, service and any approval rules allow it. Send your scheme name and preferred area to Penda’s central WhatsApp team before travelling so they can confirm the right Medical Center.
CIC Group cover may be used at participating Penda Medical Centers when your exact scheme, benefit, service and any approval rules allow it. Send your scheme name and preferred area to Penda’s central WhatsApp team before travelling so they can confirm the right Medical Center.
Star Discover General cover may be used at participating Penda Medical Centers when your exact scheme, benefit, service and any approval rules allow it. Send your scheme name and preferred area to Penda’s central WhatsApp team before travelling so they can confirm the right Medical Center.
Coverage check
Send a short work-friendly request before you travel. The team will help you confirm the scheme, Medical Center and next step. Do not include medical details.
Useful to know
Penda works with SHA at participating accredited Medical Centers. Whether a particular visit can be processed through SHA depends on current member eligibility, the service and the Medical Center, so confirm on WhatsApp before travelling.
Penda works with many participating private-insurance schemes at Medical Centers across Nairobi. The right location depends on your insurer, exact scheme, benefit, service and approval rules. Send those details and your preferred area to Penda’s central WhatsApp team before travelling.
Send your insurer, scheme name and preferred area to Penda’s central WhatsApp team. They will help you confirm the nearest appropriate Medical Center without relying on separate branch phone numbers.
Not necessarily. Whether a visit can be processed through SHA depends on current member eligibility, the covered service and the participating accredited Medical Center. Confirm on WhatsApp before your visit.
Not necessarily. Your insurer and benefit schedule determine what is included. Some services may need pre-authorisation or a co-payment.
Yes. Ask the team to explain the current price before the service proceeds, then pay by M-Pesa or bank card.
Here when it matters
Confirm your payment route, bring the right details and focus on getting care.
