# What should insurers consider when designing mental health cover in Kenya?

URL: https://tymirahealth.com/resources/faqs/what-should-insurers-consider-when-designing-mental-health-cover-in-kenya
For: Executives | Billing and payments | Reviewed by Independent clinical reviewer, Registered mental health clinician, Kenya | Last reviewed 8 November 2026

**Answer:** Policy is moving towards parity between mental and physical health. The Ministry of Labour's draft National Occupational Safety and Health Policy (2024) proposes treating mental health conditions as equivalent to physical conditions in medical insurance. The Taskforce on Mental Health called for wider financed mental health services. Insurers should consider outpatient therapy, addiction treatment, coordination with SHA benefits, networks of licensed providers, and outcome-based reporting that protects member confidentiality.

Sources: Ministry of Labour and Social Protection: https://labour.go.ke/sites/default/files/2024-04/Draft%20National%20OSH%20Policy%202024%20for%20Public%20participation.pdf - Ministry of Health: https://www.mntrh.go.ke/sites/default/files/2024-10/7Taskforce%20on%20Mental%20Health-sumentalhealth.pdf - Kenya Healthcare Federation: https://khf.co.ke/wp-content/uploads/2024/07/SHA-Benefit-Package-Summary-1-1.pdf

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