DEFENCE FORCES MEDICAL INSURANCE SCHEME

Your Health Care Partner in Retirement

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Our Mission

Ensure members have access to health care services wherever they might be by engaging reputable health care institutions.

Our Vision

Be the best and exemplary medical insurance scheme for retired members of the Defence Forces and their dependants by ensuring that members get quality health care.

Our Motto

Your Health Care Partner in Retirement.

DEFMIS Managing Director
About Us

Welcome to 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 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. Read More

Core Values

01 Integrity: Operate with transparency in all dealings.
02 Accountability: Express utmost responsibility in resource utilization, decisions and actions.
03 Teamwork: Foster military esprit de corps and teamwork.
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04 Professionalism: Maintain excellence in service delivery.
05 Innovation: Transform ideas into effective solutions.
06 Encourage Feedback and Accountability

Exclusions / Not Covered

01
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Drugs
  • Sexual performance enhancement drugs.
  • Slimming tablets.
  • Contraceptives.
02
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Monetary
  • Refund of contributions unless authorized.
  • Travel expenses.
  • Loans to members whatsoever.
03
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Treatment
  • Treatment abroad unless sanctioned by the Board of Trustees.
  • Services rendered in facilities not accredited except in emergencies.
  • Cosmetic/plastic surgery unless certified and approved by the Board of Trustees.
  • Routine check-ups not needed for diagnosis of a condition.
  • Willful non-compliance to doctor's prescribed treatment.
  • Caesarean section except when doctor-recommended.
  • Injuries sustained in furtherance of a crime.
  • Use of hospitals as homes, hospices, or for convalescence.
04
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Others
  • Sunglasses.
  • Dental cosmetics and dentures.
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Inpatients

Comprehensive care for patients admitted to the hospital.

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Outpatients

Accessible medical services without hospital admission.

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Accredited Hosp

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FaithBased Hosp

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PROCEDURE FOR OVERSEAS TREATMENT

A member shall forward a letter of request to DEFMIS addressed to the Trustees and attach the following documents:
  • 1st opinion letter of case introduction from primary doctor or hospital.
  • 2nd opinion expert advice from relevant consultant.
  • 3rd opinion comment from admitting overseas hospital, with cost implications.

DEFMIS will prepare a brief for the ACDF P & L for convening the Medical Advisory Committee (MAC) meeting.
  • The outcome of the MAC meeting is forwarded to DEFMIS for communication to member.
  • Accepted cases are forwarded to the Trustees for funding approval.
  • Members will be informed on cases that have not been approved.
  • Funds are prepared and forwarded to the relevant hospital; member will be informed accordingly.
  • Member departs for treatment.

Time factor should be considered when applying for authorization.
  • Stable cases will be processed within one month.
  • Urgent cases are forwarded to the Trustees promptly.

The Trust Deed does not provide for post factor (refunds after treatment/management) refunds.

NB: Kindly note that Overseas Capping is under the Inpatient Cover.

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