“Britam has partnered with M-Tiba to enable customers to access an affordable inpatient medical cover.
All M-Tiba customers need to do is simply SMS “Tiba” to 20253. The benefits of the cover include:”

This is an inpatient individual cover. The covered member shall access inpatient health care services at hospitals in the Britam panel only. It also has a funeral insurance benefit, that is paid in lamp sum to the next of kin in case of demise of the insured member.

Primary member aged 18 – 65 years at entry (joining the scheme) and exits at a maximum of 70 years


An annual premium of Ksh. 3,200/- for Ksh 100,000 inpatient cover option 1 or an annual cost of Ksh. 4,200/- for Ksh 200,000 inpatient cover option 2

  1. Member will receive an sms from MTIBA
  2. Customer will respond with the word “TIBA” to 20253
  • Member gets a call from a Britam representative to guide on how to sign up
  1. Daily bed charges and the cost of maintaining any of the Insured Person in a General Ward Bed
  2. General consultation by a General Practitioner
  • Surgeon’s, Physician’s and Anesthetist’s fees and charges for use of operating theatres
  1. Cost of prescribed effective generics drugs (unless there is serious need to use branded drugs) and dressings
  2. Laboratory investigations, X-rays, Radiotherapy or Chemotherapy. Scans and Ultrasounds are restricted to only once in a year per person
  3. Cost of normal child delivery or by way of Caesarean Section up to the limit provided in the Appendix or Schedule of benefits
  • Bills incurred on the baby after delivery up to and including day of discharge shall be covered within the limit provided for maternity
  • Day care shall not be treated as an inpatient service rather it shall be considered as an outpatient service.
  1. Chronic conditions (both newly diagnosed, prior diagnosed) and pre-existing conditions shall be covered within the IP Chronic and pre-existing conditions sub-limit benefit.

Refer to the policy document on Freshdesk/commercial KE confluence page

From over 400 Britam accredited facilities, check Britam website

A member should present the medical card provided by Britam to the healthcare facility of choice. In case one does not have the medical pass they should contact the 24/7 line 0705100100 for assistance.

  • Through your Britam medical pass or Policy number which you should have received on sms when you signed up for the policy.
  • Your national ID card

The provider/facility should notify Britam within 24 hours.

What is the waiting period before I can use the benefit?

  • 2 months for natural illness
  • 1 month for natural death
  • 10 months for maternity and pregnancy related conditions
  • 12 months for surgery

It takes 5 working days from the day of submitting the death certificate

  • ID copy of the deceased
  • ID copy of the claimant
  • Copy of burial permit
  • Filled claim form

Chronic diseases are conditions that last 1 year or more and require ongoing medical attention or limit activities of daily living or both. Chronic diseases such as heart disease, cancer, diabetes, hypertension etc

 Yes, chronic, and pre-existing conditions are covered up to 25% of the inpatient benefit

In the event of nonpayment of premiums within the grace period, all the attached benefit cover shall lapse and become suspended.

Get in touch with Britam contact center or call the help line number indicated behind your medical pass.