About Defmis

The Defence Forces Medical Insurance Scheme Registered Trustees (DEFMIS), is a post retirement medical insurance scheme for members of the Kenya Defence Forces (KDF) and their dependants. The Formation of the Scheme was informed by the fact that:

  • the healthcare provided by government to serving members ends immediately upon their retirement
  • retirees were vulnerable to poor health due to old-age related conditions.
  • high cost of medical care

    Fully paid up members contribute for a period of 20 years at the rate of 3.1% depending on when one joined the Scheme. DEFMIS has a network of contracted health care providers who offer inpatient and outpatient services to retirees and dependants countrywide.

    History of DEFMIS

  • The idea of forming DEFMIS was mooted in late 1996.
  • First DEFMIS contribution was received in August 1998.
  • Between 1998-2003 the Scheme was accumulating funds.
  • First retired members started to enjoy DEFMIS healthcare services in 2003.
  • To date DEFMIS offers healthcare services to retirees and their dependants.
  • “The joy of retirement comes in those everyday pursuits that embrace the joy of life; to experience daily the freedom to invest one's life-long knowledge for the betterment of others; and, to allocate time to pursuits that only received, in years of working, a fleeting moment.” – Byron Pulsifer