When it comes to insurance, myths often get in the way of making smart, informed decisions—and one of the most common misconceptions we hear at Ferrum Insurance Agency is this:

“Health insurance is too expensive. I just can’t afford it.”

Let’s be clear—that’s a myth.

In this blog, we’re setting the record straight and showing how health cover can be flexible, affordable, and essential—especially when you choose a provider that understands your unique needs.

The Truth: Health Insurance is More Flexible Than You Think

Affordability isn’t about how much insurance costs—it’s about how well it’s tailored to fit your budget and circumstances. At Ferrum Insurance, we work with individuals, families, and businesses to customize health plans that offer the right level of coverage without breaking the bank. You don’t need to be a high-income earner to protect yourself or your loved ones from medical expenses. Today, health insurance providers in Kenya offer:

• Tiered premiums based on your income level and age bracket.
• Family packages that lower per-person costs.
• Inpatient-only or outpatient-only options, depending on your current needs.
• NHIF top-ups, allowing you to enhance your public cover affordably.

So yes—health insurance can be affordable when it’s structured right.

Why You Shouldn’t Delay Getting Health Cover

We understand that some people wait until they face a medical emergency before thinking seriously about insurance. But here’s the thing: health insurance is designed to protect you before emergencies happen.

Without cover, a single hospital bill can derail your finances—and this is especially true for families with dependents. Waiting too long may also exclude you from some benefits due to pre-existing condition clauses or waiting periods.

Early enrollment means:

• More coverage at lower premiums.
• Peace of mind knowing you’re protected 24/7.
• Access to wellness benefits like checkups, vaccinations, and maternity care.

What Makes Ferrum Insurance Different?

At Ferrum, we know that one-size-fits-all health insurance doesn’t work for everyone. That’s why we take the time to understand:

• Your budget
• Your lifestyle
• Your health priorities

We then recommend smart, affordable options from top health insurers in Kenya that align with your needs. Our role as an insurance agency is to simplify the decision-making process and ensure you feel confident about your cover.

Whether you’re a young professional, a growing family, or an SME looking to protect your employees, we’ve got flexible health plans that make sense for you.

Myth Busted: It’s Time to Get Covered

Here’s the bottom line:

Health insurance is not just for the wealthy. It’s for anyone who values security, dignity, and peace of mind.

With the right guidance, you can find a plan that gives you and your loved ones quality medical care—without draining your wallet.

Talk to Us

Still unsure where to start? That’s what we’re here for. Our experienced team at Ferrum Insurance Agency is ready to walk you through your options, answer your questions, and help you bust any other insurance myths that may be holding you back.

Call us: +254727851127
Email us: info@ferrruminsurance.co.ke

Visit our office at S.K Business Park : Enterprise Road : Industrial Area
Send us a message online to explore your health cover options today.

Ferrum Insurance Agency – Your trusted partner in building a secure future.