Why does my Medical Insurance keep going up?

It is one of the most common concerns we hear at renewal time—and it is completely understandable. If you have made few or no claims, why should your premium still increase?

The answer is not always linked to your individual claims history. More often, it reflects a broader reality: the rising cost of healthcare, commonly known as medical inflation.

Healthcare is getting better… but it’s also getting more expensive

The good news is that medical care has never been better. Hospitals are investing in cutting-edge technology, specialist doctors are performing increasingly complex procedures, and some treatments that once required travelling abroad are now available much closer to home.

That’s fantastic news if you or a loved one ever needs that care.

The challenge? All these advances come at a price.

New scanning equipment, robotic surgery, sophisticated cancer treatments and imported medicines all cost money. Hospitals are also facing higher staffing, utility and operational costs, which are reflected in the price of treatment.

We’re all using healthcare more

Another reason costs are rising is simple: more people are going to the doctor.

Regular health checks, better awareness of chronic illnesses and easier access to healthcare mean more people are seeking treatment earlier. That’s a positive trend, but it also means insurers are paying out more claims than ever before.

An ageing population and the increase in conditions such as diabetes and hypertension are adding further pressure to healthcare systems.

The numbers tell the story

According to a recent article in Business Daily, medical insurance claims in Kenya have doubled over the past five years, increasing from KSh26.7 billion in 2021 to KSh52.6 billion in 2025. This reflects both higher treatment costs and increased use of healthcare services.

For policyholders, this often translates into higher premiums at renewal.

It’s not unlike motor insurance: if the cost of repairing cars doubles, premiums eventually have to reflect that reality.

So, what can be done?

The first reaction to a premium increase is often to look for the cheapest alternative. But cheaper isn’t always better.

Before making changes, ask yourself:

• Does my cover still protect me against major medical expenses?
• Would a deductible reduce my premium without exposing me to significant financial risk?
• Am I paying for benefits I no longer need?

Sometimes a few small adjustments can make a meaningful difference without compromising the protection you and your family rely on.

Health insurance is there for the big moments

Most of us hope never to need expensive medical treatment. But if the unexpected happens, the cost of a major operation, prolonged hospital stay or specialist cancer treatment can easily run into millions of shillings.

Health insurance is there to protect you from those life-changing financial shocks, giving you access to quality care when you need it most.

J W Seagon is on your side

If your renewal is approaching—or if your premium has already increased—speak to us before making any changes.

We can explain what is driving the increase, review whether your current benefits still match your needs, compare available options and identify practical adjustments that may help manage costs without leaving you underinsured.

Medical inflation is here to stay, but you do not have to navigate it alone. A brief review before renewal can help you make confident, informed decisions about protecting your health, your family and your finances—while ensuring you still have the right cover when it matters most.