If you hold a medical policy with Fidelity, your Fidelity Insurance dental cover could pay for treatment you have been putting off. Many patients in Nairobi are unsure what their plan includes or where they are allowed to use it. This guide clears that up and shows you how to use your benefits at a dentist in Nairobi CBD without the usual confusion.
What Fidelity Insurance Offers
Fidelity Insurance, run by Fidelity Shield Insurance Company Limited, is a general insurer that also provides medical plans.¹ Its medical line has three main options: My Afya Shield for individuals and families, Fidelity Afya Shield for small and medium businesses, and Fidelity Corporate Cover for larger organisations.¹
The retail plan, My Afya Shield, runs on a digital platform and links to M-TIBA, the mobile health wallet many Kenyans already use.² ³ That means you can review your benefits and approvals straight from your phone, which is handy when you want a quick answer before booking.
So the first thing to know is simple. Fidelity does offer medical cover, and dental care can form part of it depending on how your plan was set up.
Does Your Fidelity Insurance Dental Cover Apply?
Dental care usually sits under the outpatient part of a medical plan rather than the inpatient part. Because of this, whether your Fidelity Insurance dental cover pays for a visit depends on the plan your employer or family selected, and on whether outpatient and dental benefits were added to it.
Plans also differ in how they pay. Some settle routine dental work directly up to a set limit. Others ask you to pay at the clinic and claim the amount back later. A few apply a short waiting period before dental claims can start.
Since these terms change from one policy to the next, it is always worth confirming yours before you book. A two minute check saves you any awkward surprises at the reception desk.
Using Your Fidelity Insurance Dental Cover at DentMind
Here is the good news for Nairobi patients. DentMind CBD Dental Centre accepts Fidelity Insurance, so you can use your cover with us directly.
When you arrive, bring your Fidelity membership details or your M-TIBA access. Our front desk will help confirm your eligibility and request approval where your plan needs it. If your policy works through pre-authorisation, we handle that step with the insurer, so you are not left waiting on hold yourself.
Our clinic sits on the Third Floor of Victor House on Kimathi Street, in the heart of Nairobi CBD. That central spot makes a lunchtime or after-work appointment easy to fit in, whether you work in town or you are passing through.
Dental Treatments Your Cover May Include
Every plan is different, but outpatient dental benefits often stretch to the everyday procedures people need most. These commonly include:
- Routine checkups and consultations
- Scaling and polishing to keep your gums healthy
- Tooth fillings for cavities
- Simple tooth extractions
- X-rays linked to a diagnosis
More involved work, such as crowns, root canal treatment or orthodontics, may need separate approval, or it may fall outside a basic plan. Either way, we will talk you through what your cover is likely to pay before any treatment starts, so you can plan with confidence.
How to Confirm Your Benefits Before You Visit
A little preparation goes a long way. To check your Fidelity Insurance dental cover ahead of an appointment:
- Call Fidelity’s medical line or open your M-TIBA app to view your outpatient and dental benefits.
- Ask whether dental is included, how your claims are paid, and if any waiting period applies.
- Ring DentMind on 0715 063640 and we will help match your plan to the treatment you need.
That short routine tells you exactly where you stand, so your visit stays smooth from start to finish.
Frequently Asked Questions
Does Fidelity Insurance cover dental in Kenya? Many Fidelity medical plans include dental under the outpatient benefit, although it depends on the specific plan chosen. Confirm yours with Fidelity or with our team before booking.
Can I use Fidelity at DentMind without paying cash? In most cases, yes, once your plan is confirmed and any approval is in place. Some plans use a reimbursement model instead, so we will let you know which one applies to you.
Do I need a referral to see the dentist? Usually no. You can book a dental appointment with us directly and we will guide you on the cover side.
Your smile should not have to wait on paperwork. If you carry a Fidelity plan, let us do the heavy lifting on confirming your benefits so you can focus on comfortable, healthy teeth. Call DentMind CBD Dental Centre on 0715 063640 or book online through recordit.ke, and find us on the Third Floor of Victor House, Kimathi Street, Nairobi CBD. We are open every day of the week, so there is always a slot that fits both your schedule and your cover.
Footnotes
- Fidelity Shield Insurance. (2025). Medical solutions. Fidelity Shield Insurance Company Limited. https://fidelityshield.com/medical-solutions/
- HapaKenya. (2024, June 21). Fidelity Shield Insurance launches My Afya Shield, a health coverage product. https://hapakenya.com/2024/06/21/fidelity-shield-insurance-launches-my-afya-shield-a-health-coverage-product/
- InstinctBusiness. (2024, June 25). Kenya: Fidelity Insurance partners with M-TIBA for tech-driven cover. https://instinctbusinessmag.com/kenya-fidelity-insurance-partners-with-m-tiba-for-tech-driven-cover/
