{"id":2002,"date":"2025-05-06T17:26:15","date_gmt":"2025-05-06T14:26:15","guid":{"rendered":"https:\/\/www.amssurity.co.ke\/blog\/?p=2002"},"modified":"2025-06-06T12:11:12","modified_gmt":"2025-06-06T09:11:12","slug":"best-insurance-companies-in-kenya","status":"publish","type":"post","link":"https:\/\/www.amssurity.co.ke\/blog\/best-insurance-companies-in-kenya\/","title":{"rendered":"Top 10 Best Insurance Companies in Kenya"},"content":{"rendered":"\n<p>The best insurance companies in Kenya play an important role in financial planning and risk management by providing essential protection against life&#8217;s unexpected events. Choosing among the best insurance companies in Kenya ensures that individuals and businesses can confidently manage financial risks, such as medical emergencies, property loss, or income disruptions. Getting insurance coverage from these leading insurance companies in Kenya not only safeguards your assets but also guarantees the financial security of your loved ones. We spend time analysing the <a href=\"https:\/\/www.ira.go.ke\/annual-reports\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/www.ira.go.ke\/annual-reports\/\" rel=\"noreferrer noopener\">IRA Report<\/a> so that you don&#8217;t have to.<\/p>\n\n\n\n<!-- Center\u2011aligned, medium\u2011sized WhatsApp CTA -->\n<div style=\"text-align:center;\">\n  <a href=\"https:\/\/wa.me\/254762065500?text=Hi%20Amssurity%20team%2C%20I%E2%80%99d%20like%20to%20chat%20about%20insurance.\" target=\"_blank\" rel=\"noopener\" class=\"amssurity-whatsapp-btn\" style=\"\n       display:inline-block;\n       padding:12px 28px;           \/* medium size *\/\n       background:#25D366;          \/* WhatsApp green *\/\n       color:#fff;\n       font-family:inherit;\n       font-size:18px;\n       font-weight:600;\n       border-radius:6px;\n       text-decoration:none;\n       box-shadow:0 2px 6px rgba(0,0,0,.15);\n       transition:transform .2s,box-shadow .2s;\n     \">\n     Chat Us on WhatsApp&nbsp;\ud83d\udcf1\n  <\/a>\n<\/div>\n\n\n\n\n<p><\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69d23b9581e23\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69d23b9581e23\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-insurance-companies-in-kenya\/#Top_10_Insurance_Companies_in_Kenya\" >Top 10 Insurance Companies in Kenya<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-insurance-companies-in-kenya\/#Need_Help_Comparing_Kenyas_Top_Insurers\" >Need Help Comparing Kenya\u2019s Top Insurers?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-insurance-companies-in-kenya\/#Spotlight_on_the_best_insurance_companies_in_Kenya\" >Spotlight on the best insurance companies in Kenya<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-insurance-companies-in-kenya\/#Financial_stability\" >Financial stability:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-insurance-companies-in-kenya\/#Customer_satisfaction\" >Customer satisfaction:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-insurance-companies-in-kenya\/#Claim-Payment_ratio\" >Claim-Payment ratio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-insurance-companies-in-kenya\/#Loss_ratio\" >Loss ratio<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-insurance-companies-in-kenya\/#Insurance_product_diversity\" >Insurance product diversity:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-insurance-companies-in-kenya\/#Why_the_numbers_matter\" >Why the numbers matter<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-insurance-companies-in-kenya\/#Importance_of_market_position\" >Importance of market position<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-insurance-companies-in-kenya\/#Trends_shaping_Kenyas_insurance_scene_in_2025\" >Trends shaping Kenya\u2019s insurance scene in 2025<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-insurance-companies-in-kenya\/#Consumer_behaviour_shifts\" >Consumer behaviour shifts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-insurance-companies-in-kenya\/#How_to_choose_%E2%80%9CYour%E2%80%9D_insurer\" >How to choose \u201cYour\u201d insurer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-insurance-companies-in-kenya\/#Need_Help_Comparing_Kenyas_Top_Insurers-2\" >Need Help Comparing Kenya\u2019s Top Insurers?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-insurance-companies-in-kenya\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-insurance-companies-in-kenya\/#What_should_I_look_for_when_choosing_an_insurance_company_in_Kenya\" >What should I look for when choosing an insurance company in Kenya?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-insurance-companies-in-kenya\/#Are_local_Kenyan_insurers_as_reliable_as_international_ones\" >Are local Kenyan insurers as reliable as international ones?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-insurance-companies-in-kenya\/#How_do_I_compare_premiums_and_coverage_across_different_insurers\" >How do I compare premiums and coverage across different insurers?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-insurance-companies-in-kenya\/#Before_buying_a_policy_do_I_need_to_check_the_Insurance_Regulatory_Authority_IRA_license_status\" >Before buying a policy, do I need to check the Insurance Regulatory Authority (IRA) license status?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.amssurity.co.ke\/blog\/best-insurance-companies-in-kenya\/#Can_I_switch_insurers_mid-policy_year_if_I_find_a_better_deal\" >Can I switch insurers mid-policy year if I find a better deal?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Top_10_Insurance_Companies_in_Kenya\"><\/span><strong>Top 10 Insurance Companies in Kenya<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n\n<style>\n.top-insurers-2023 table{\n  width:100%;\n  border-collapse:collapse;\n  font-family:'Segoe UI',Tahoma,Geneva,Verdana,sans-serif;\n  font-size:14px\n}\n.top-insurers-2023 thead{\n  background:#004ab4;\n  color:#fff\n}\n.top-insurers-2023 th,\n.top-insurers-2023 td{\n  padding:12px;\n  border:1px solid #ddd;\n  vertical-align:top;\n  text-align:left\n}\n.top-insurers-2023 tbody tr:hover{\n  background:#f0f6ff;\n  transition:.2s\n}\n\n\/* ---------- MOBILE \u201cSTACKED CARD\u201d LAYOUT ---------- *\/\n@media(max-width:600px){\n  \/* turn each row into its own card *\/\n  .top-insurers-2023 thead{display:none}                       \/* hide desktop headings *\/\n  .top-insurers-2023 tbody{display:block}\n  .top-insurers-2023 tr{\n    display:block;\n    background:#fff;\n    border:1px solid #ddd;\n    border-radius:8px;\n    box-shadow:0 0 8px rgba(0,0,0,0.05);\n    margin-bottom:16px;\n    padding:12px\n  }\n  \/* stack every cell full\u2011width *\/\n  .top-insurers-2023 td{\n    display:block;\n    border:none;\n    border-bottom:1px solid #eee;\n    padding:8px 0\n  }\n  .top-insurers-2023 td:last-child{border-bottom:none}\n\n  \/* add a bold inline label before each value *\/\n  .top-insurers-2023 td[data-label]::before{\n    content:attr(data-label) \": \";\n    font-weight:bold;\n    color:#004ab4\n  }\n}\n<\/style>\n\n<div class=\"top-insurers-2023\">\n<table>\n  <thead>\n    <tr>\n      <th>Rank<\/th>\n      <th>Insurer<\/th>\n      <th>Key strengths (products\u202f|\u202fclaims\u202f|\u202fresponsiveness\u202f|\u202fprice)<\/th>\n      <th>Market\u2011share<\/th>\n      <th>2023\u202fGWP&nbsp;(KES\u202f\u2019Billion)<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td data-label=\"Rank\">1<\/td>\n      <td data-label=\"Insurer\">APA<\/td>\n      <td data-label=\"Key strengths\">\n        \u2022 Broad general &amp; medical line\u2011up (motor\u202f\/\u202fhealth\u202f\/\u202fspecialty).<br>\n        \u2022 Fast motor\u2011claims pay\u2011out\u202f&lt;\u202f5\u202fdays via digital portal.<br>\n        \u2022 24\u2011hour call\u2011centre + \u201chAPPiness\u201d self\u2011service app.<br>\n        \u2022 Competitive fleet &amp; SME rates with multi\u2011policy discounts.\n      <\/td>\n      <td data-label=\"Market\u2011share\">8.87\u202f%<\/td>\n      <td data-label=\"2023\u202fGWP\">16.72B<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Rank\">2<\/td>\n      <td data-label=\"Insurer\">Old\u202fMutual<\/td>\n      <td data-label=\"Key strengths\">\n        \u2022 Integrated life, general &amp; investment products on one super\u2011app.<br>\n        \u2022 Average claim turn\u2011around \u2248\u202f10\u202fworking\u202fdays.<br>\n        \u2022 Omni\u2011channel support (branch, chat, phone).<br>\n        \u2022 Value\u2011priced insurance\u2011plus\u2011investment bundles.\n      <\/td>\n      <td data-label=\"Market\u2011share\">8.78\u202f%<\/td>\n      <td data-label=\"2023\u202fGWP\">16.55B<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Rank\">3<\/td>\n      <td data-label=\"Insurer\">CIC<\/td>\n      <td data-label=\"Key strengths\">\n        \u2022 Strong in micro\u2011, agri\u2011 &amp; co\u2011op\u2011based covers.<br>\n        \u2022 Parametric crop claims settled within season.<br>\n        \u2022 Dense rural agent network for personal touch.<br>\n        \u2022 Affordable premiums for low\u2011 &amp; middle\u2011income families.\n      <\/td>\n      <td data-label=\"Market\u2011share\">8.20\u202f%<\/td>\n      <td data-label=\"2023\u202fGWP\">15.45B<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Rank\">4<\/td>\n      <td data-label=\"Insurer\">GA\u202fInsurance<\/td>\n      <td data-label=\"Key strengths\">\n        \u2022 Niche products: marine, medical, new EV motor policy.<br>\n        \u2022 In\u2011house assessors speed up motor\/engineering claims.<br>\n        \u2022 24\/7 helpline &amp; battery\u2011rescue for EVs.<br>\n        \u2022 Sharp marine\u2011cargo rates, bulk\u2011cargo discounts.\n      <\/td>\n      <td data-label=\"Market\u2011share\">8.09\u202f%<\/td>\n      <td data-label=\"2023\u202fGWP\">15.24B<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Rank\">5<\/td>\n      <td data-label=\"Insurer\">Britam<\/td>\n      <td data-label=\"Key strengths\">\n        \u2022 Full suite: life, general, health, pensions &amp; investments.<br>\n        \u2022 Digital claims portal trims TAT to \u00b1\u202f7\u202fdays.<br>\n        \u2022 Chatbot + call centre + branch network.<br>\n        \u2022 Flexible micro\u2011insurance &amp; pay\u2011as\u2011you\u2011go pricing.\n      <\/td>\n      <td data-label=\"Market\u2011share\">7.99\u202f%<\/td>\n      <td data-label=\"2023\u202fGWP\">15.06B<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Rank\">6<\/td>\n      <td data-label=\"Insurer\">Jubilee\u202fHealth<\/td>\n      <td data-label=\"Key strengths\">\n        \u2022 Comprehensive local &amp; global medical plans.<br>\n        \u2022 Cash\u2011less hospital network and fast inpatient pre\u2011auth.<br>\n        \u2022 24\u2011hour tele\u2011medicine &amp; agent support.<br>\n        \u2022 Tiered pricing lets clients match benefits to budget.\n      <\/td>\n      <td data-label=\"Market\u2011share\">5.41\u202f%<\/td>\n      <td data-label=\"2023\u202fGWP\">10.19B<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Rank\">7<\/td>\n      <td data-label=\"Insurer\">AAR<\/td>\n      <td data-label=\"Key strengths\">\n        \u2022 Health &amp; travel specialists with Kenya\u2019s widest clinic network.<br>\n        \u2022 e\u2011Claims reimburse outpatient bills in\u202f\u2264\u202f3\u202fdays.<br>\n        \u2022 \u201cMyWakalAAR\u201d portal for instant policy issuance.<br>\n        \u2022 Wellness add\u2011ons lower total cost of care.\n      <\/td>\n      <td data-label=\"Market\u2011share\">4.59\u202f%<\/td>\n      <td data-label=\"2023\u202fGWP\">8.65B<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Rank\">8<\/td>\n      <td data-label=\"Insurer\">ICEA\u202fLion<\/td>\n      <td data-label=\"Key strengths\">\n        \u2022 Diverse life, general &amp; investment products, high bonus rates.<br>\n        \u2022 Paper\u2011less claims upload &amp; SMS status alerts.<br>\n        \u2022 Customer hotline + branch &amp; broker desks.<br>\n        \u2022 Bundle discounts and loyalty rebates keep prices keen.\n      <\/td>\n      <td data-label=\"Market\u2011share\">4.42\u202f%<\/td>\n      <td data-label=\"2023\u202fGWP\">8.34B<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Rank\">9<\/td>\n      <td data-label=\"Insurer\">Madison<\/td>\n      <td data-label=\"Key strengths\">\n        \u2022 Family\u2011friendly life &amp; medical plans (Betterlife series).<br>\n        \u2022 Claims TAT now \u2248\u202f8\u202fdays after 2024 process revamp.<br>\n        \u2022 Improved broker portal &amp; WhatsApp servicing.<br>\n        \u2022 Budget\u2011conscious premiums for middle\u2011income market.\n      <\/td>\n      <td data-label=\"Market\u2011share\">4.28\u202f%<\/td>\n      <td data-label=\"2023\u202fGWP\">8.06B<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Rank\">10<\/td>\n      <td data-label=\"Insurer\">Heritage<\/td>\n      <td data-label=\"Key strengths\">\n        \u2022 Strong motor, property &amp; corporate medical lines.<br>\n        \u2022 Flagship <strong>AutoCorrect<\/strong> motor\u2011insurance with roadside assistance &amp; repair guarantees.<br>\n        \u2022 Average motor\u2011claim pay\u2011out \u2248\u202f5\u202fdays.<br>\n        \u2022 24\/7 self\u2011service eInsurance dashboard.<br>\n        \u2022 Highly competitive fleet &amp; group\u2011medical rates.\n      <\/td>\n      <td data-label=\"Market\u2011share\">3.96\u202f%<\/td>\n      <td data-label=\"2023\u202fGWP\">7.47B<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong><\/strong><\/p>\n\n\n<!-- Amssurity WhatsApp CTA \u2013 insert anywhere in a post -->\n<a href=\"https:\/\/wa.me\/254762065500?text=Hi%20Amssurity%20team%2C%20I%E2%80%99d%20like%20help%20comparing%20insurance%20options.\" target=\"_blank\" rel=\"noopener\" class=\"amssurity-cta\" style=\"\n     display:block;\n     max-width:750px;\n     margin:24px auto;\n     background:#ffd100;\n     color:#004ab4;\n     border-radius:10px;\n     padding:20px 24px;\n     text-align:center;\n     box-shadow:0 4px 12px rgba(0,0,0,.15);\n     text-decoration:none;\n     transition:.3s;\n   \">\n  <h2 style=\"font-size:1.35em;font-weight:bold;margin:0 0 14px;\"><span class=\"ez-toc-section\" id=\"Need_Help_Comparing_Kenyas_Top_Insurers\"><\/span>\n    Need Help Comparing Kenya\u2019s Top Insurers?\n  <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n  <p style=\"font-size:1em;margin:0 0 18px;\">\n    Chat with a licensed advisor at <strong>Amssurity Insurance Agency<\/strong>.  \n    We translate jargon, fight for your claims and hunt the best deal\u2014free of charge.\n  <\/p>\n\n  <span style=\"\n        display:inline-block;\n        padding:10px 20px;\n        background:#004ab4;\n        color:#fff;\n        border-radius:8px;\n        font-weight:bold;\">\n        Chat Us on WhatsApp&nbsp;\ud83d\udcf1\n  <\/span>\n<\/a>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Spotlight_on_the_best_insurance_companies_in_Kenya\"><\/span>Spotlight on the best insurance companies in Kenya<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>At Amssurity, we prioritise collaborating with top insurance companies in Kenya to convert uncertainty into assurance, allowing you to chase your goals with confidence, secure in the knowledge that you are safeguarded when it counts.<\/p>\n\n\n\n\n\n\n<p>The criteria we shall be using to discuss the above best insurance companies in Kenya include:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Financial_stability\"><\/span><strong>Financial stability: <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This will focus on the market share and gross written premium by the top 10 insurance companies in Kenya.<\/p>\n\n\n\n<p><strong><\/strong><\/p>\n\n\n<style>\n.top-insurers-2023 table{\n  width:100%;\n  border-collapse:collapse;\n  font-family:'Segoe UI',Tahoma,Geneva,Verdana,sans-serif;\n  font-size:14px\n}\n.top-insurers-2023 thead{background:#004ab4;color:#fff}\n.top-insurers-2023 th,\n.top-insurers-2023 td{\n  padding:12px;\n  border:1px solid #ddd;\n  vertical-align:top;\n  text-align:left\n}\n.top-insurers-2023 tbody tr:hover{background:#f0f6ff;transition:.2s}\n\n\/* ---------- MOBILE \u201cSTACKED CARD\u201d LAYOUT ---------- *\/\n@media(max-width:600px){\n  .top-insurers-2023 thead{display:none}\n  .top-insurers-2023 tbody{display:block}\n  .top-insurers-2023 tr{\n    display:block;\n    background:#fff;\n    border:1px solid #ddd;\n    border-radius:8px;\n    box-shadow:0 0 8px rgba(0,0,0,.05);\n    margin-bottom:16px;\n    padding:12px\n  }\n  .top-insurers-2023 td{\n    display:block;\n    border:none;\n    border-bottom:1px solid #eee;\n    padding:8px 0\n  }\n  .top-insurers-2023 td:last-child{border-bottom:none}\n  .top-insurers-2023 td[data-label]::before{\n    content:attr(data-label) \": \";\n    font-weight:bold;\n    color:#004ab4\n  }\n}\n<\/style>\n\n<div class=\"top-insurers-2023\">\n<table>\n  <thead>\n    <tr>\n      <th>Rank<\/th>\n      <th>Insurer<\/th>\n      <th>Market\u2011share<\/th>\n      <th>2023\u202fGWP&nbsp;(KES\u202f\u2019Billon)<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td data-label=\"Rank\">1<\/td>\n      <td data-label=\"Insurer\">APA<\/td>\n      <td data-label=\"Market\u2011share\">8.87\u202f%<\/td>\n      <td data-label=\"2023\u202fGWP\">16.72B<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Rank\">2<\/td>\n      <td data-label=\"Insurer\">Old\u202fMutual<\/td>\n      <td data-label=\"Market\u2011share\">8.78\u202f%<\/td>\n      <td data-label=\"2023\u202fGWP\">16.54B<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Rank\">3<\/td>\n      <td data-label=\"Insurer\">CIC<\/td>\n      <td data-label=\"Market\u2011share\">8.20\u202f%<\/td>\n      <td data-label=\"2023\u202fGWP\">15.45B<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Rank\">4<\/td>\n      <td data-label=\"Insurer\">GA\u202fInsurance<\/td>\n      <td data-label=\"Market\u2011share\">8.09\u202f%<\/td>\n      <td data-label=\"2023\u202fGWP\">15.24B<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Rank\">5<\/td>\n      <td data-label=\"Insurer\">Britam<\/td>\n      <td data-label=\"Market\u2011share\">7.99\u202f%<\/td>\n      <td data-label=\"2023\u202fGWP\">15.06B<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Rank\">6<\/td>\n      <td data-label=\"Insurer\">Jubilee\u202fHealth<\/td>\n      <td data-label=\"Market\u2011share\">5.41\u202f%<\/td>\n      <td data-label=\"2023\u202fGWP\">10.19B<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Rank\">7<\/td>\n      <td data-label=\"Insurer\">AAR<\/td>\n      <td data-label=\"Market\u2011share\">4.59\u202f%<\/td>\n      <td data-label=\"2023\u202fGWP\">8.65B<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Rank\">8<\/td>\n      <td data-label=\"Insurer\">ICEA\u202fLion<\/td>\n      <td data-label=\"Market\u2011share\">4.42\u202f%<\/td>\n      <td data-label=\"2023\u202fGWP\">8.34B<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Rank\">9<\/td>\n      <td data-label=\"Insurer\">Madison<\/td>\n      <td data-label=\"Market\u2011share\">4.28\u202f%<\/td>\n      <td data-label=\"2023\u202fGWP\">8.06B<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Rank\">10<\/td>\n      <td data-label=\"Insurer\">Heritage<\/td>\n      <td data-label=\"Market\u2011share\">3.96\u202f%<\/td>\n      <td data-label=\"2023\u202fGWP\">7.46B<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Customer_satisfaction\"><\/span><strong>Customer satisfaction: <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you want to know the best paying insurance company in Kenya, you will need to look at various factors like customer satisfaction, the total claims paid considering the number of claims submitted, i.e. the claim-payment ratio. The higher the payment-claim ratio (percentage), the more reliable an insurance company is. The table below provides a summary of the liability paid-claims ratio and non-liability paid-claims ratio for the top ten insurance companies in Kenya.<\/p>\n\n\n\n<p>Claims settlement. Looking at the Claim\u2011payment ratio\u202f=\u202f(number of claims paid\u202f\u00f7\u202ftotal claims) \u00d7\u202f100 with the industry being: <strong>Liability\u202f8.63\u202f%<\/strong> and <strong>Non\u2011liability\u202f65.96\u202f%<\/strong> . <\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-e81941d4cddb62f0ca4e3fa10cb0f5cd\" style=\"color:#004ab4\"><span class=\"ez-toc-section\" id=\"Claim-Payment_ratio\"><\/span><strong>Claim-Payment ratio<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong><\/strong><\/p>\n\n\n<!-- ========================================================= -->\n<!-- Claims\u2011ratio table \u2014 desktop grid & mobile stacked cards  -->\n<!-- ========================================================= -->\n<style>\n.claims-ratio-table table{\n  width:100%;\n  border-collapse:collapse;\n  font-family:'Segoe UI',Tahoma,Geneva,Verdana,sans-serif;\n  font-size:14px\n}\n.claims-ratio-table thead{background:#004ab4;color:#fff}\n.claims-ratio-table th,\n.claims-ratio-table td{\n  padding:12px;\n  border:1px solid #ddd;\n  vertical-align:top;\n  text-align:left\n}\n.claims-ratio-table tbody tr:hover{background:#f0f6ff;transition:.2s}\n\n\/* ---------- MOBILE \u201cSTACKED CARD\u201d LAYOUT ---------- *\/\n@media(max-width:600px){\n  .claims-ratio-table thead{display:none}\n  .claims-ratio-table tbody{display:block}\n  .claims-ratio-table tr{\n    display:block;\n    background:#fff;\n    border:1px solid #ddd;\n    border-radius:8px;\n    box-shadow:0 0 8px rgba(0,0,0,.05);\n    margin-bottom:16px;\n    padding:12px\n  }\n  .claims-ratio-table td{\n    display:block;\n    border:none;\n    border-bottom:1px solid #eee;\n    padding:8px 0\n  }\n  .claims-ratio-table td:last-child{border-bottom:none}\n  .claims-ratio-table td[data-label]::before{\n    content:attr(data-label) \": \";\n    font-weight:bold;\n    color:#004ab4\n  }\n}\n<\/style>\n\n<div class=\"claims-ratio-table\">\n<table>\n  <thead>\n    <tr>\n      <th>Insurer<\/th>\n      <th>Liability paid\u2011claims ratio (%)<\/th>\n      <th>Non\u2011liability paid\u2011claims ratio (%)<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td data-label=\"Insurer\">APA Insurance<\/td>\n      <td data-label=\"Liability ratio\"><strong>7.2<\/strong><\/td>\n      <td data-label=\"Non\u2011liability ratio\"><strong>28.0<\/strong><\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">Old\u202fMutual General<\/td>\n      <td data-label=\"Liability ratio\"><strong>6.6<\/strong><\/td>\n      <td data-label=\"Non\u2011liability ratio\"><strong>19.7<\/strong><\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">CIC General<\/td>\n      <td data-label=\"Liability ratio\"><strong>25.9<\/strong><\/td>\n      <td data-label=\"Non\u2011liability ratio\"><strong>48.6<\/strong><\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">GA Insurance<\/td>\n      <td data-label=\"Liability ratio\"><strong>5.3<\/strong><\/td>\n      <td data-label=\"Non\u2011liability ratio\"><strong>35.3<\/strong><\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">Britam General<\/td>\n      <td data-label=\"Liability ratio\"><strong>15.9<\/strong><\/td>\n      <td data-label=\"Non\u2011liability ratio\"><strong>23.2<\/strong><\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">Jubilee\u202fHealth*<\/td>\n      <td data-label=\"Liability ratio\">\u2014 (no liability book)<\/td>\n      <td data-label=\"Non\u2011liability ratio\"><strong>81.1<\/strong><\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">AAR Insurance<\/td>\n      <td data-label=\"Liability ratio\"><strong>4.0<\/strong><\/td>\n      <td data-label=\"Non\u2011liability ratio\"><strong>60.9<\/strong><\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">ICEA\u202fLion General<\/td>\n      <td data-label=\"Liability ratio\"><strong>19.3<\/strong><\/td>\n      <td data-label=\"Non\u2011liability ratio\"><strong>23.8<\/strong><\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">Madison General<\/td>\n      <td data-label=\"Liability ratio\"><strong>31.2<\/strong><\/td>\n      <td data-label=\"Non\u2011liability ratio\"><strong>37.4<\/strong><\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">Heritage Insurance<\/td>\n      <td data-label=\"Liability ratio\"><strong>10.7<\/strong><\/td>\n      <td data-label=\"Non\u2011liability ratio\"><strong>25.0<\/strong><\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n\n<p><\/p>\n\n\n\n<p>What do these numbers mean for the top 10 insurance companies in Kenya?<\/p>\n\n\n\n<p><br><strong>Consistent high performers<\/strong> : <\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Jubilee\u202fHealth tops the non\u2011liability table at 81\u202f%, settling eight of every ten health claims, well above the 66\u202f% industry mark.<\/li>\n\n\n\n<li>Madison and CIC lead on liability at 31\u202f% and 26\u202f% respectively, three\u2011plus times the market average, signalling robust third\u2011party claim handling.<\/li>\n<\/ol>\n\n\n\n<p><strong>Balanced, but still room to improve<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Britam posts a solid 16\u202f% on liability (nearly double the market) but lags at 23\u202f% on policyholder claims, hinting at bottlenecks in routine medical &amp; motor payouts.<\/li>\n\n\n\n<li>ICEA\u202fLion mirrors that pattern\u2014strong liability (19\u202f%) yet modest non\u2011liability (24\u202f%).<\/li>\n<\/ol>\n\n\n\n<p><strong>Low liability settlement speed<\/strong><\/p>\n\n\n\n<p>GA (5\u202f%), AAR (4\u202f%) and Old\u202fMutual (7\u202f%) sit below the 8.6\u202f% benchmark, indicating slower closure of third\u2011party files\u2014often the costliest if left open.<\/p>\n\n\n\n<p><strong>APA\u2019s mixed picture<\/strong><\/p>\n\n\n\n<p>Liability ratio is slightly under the market (7\u202f%), and non\u2011liability is far below (28\u202f%), suggesting resources may be concentrated on reserves.<\/p>\n\n\n\n<p><strong>Strengths &amp; watch\u2011outs<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>AAR\u2019s medical\u2011claims engine is efficient (61\u202f%), so focusing on liability could lift its overall claims reputation.<\/li>\n\n\n\n<li>Heritage is just above average on liability (11\u202f%) but trails on policyholders (25\u202f%); tighter workflow on day\u2011to\u2011day claims would help.<\/li>\n\n\n\n<li>GA and Old\u202fMutual would benefit from accelerated liability settlement to reduce outstanding reserves and legal exposure.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-e0fab37d020f9ca6649a99c22de315c8\" style=\"color:#004ab4\"><span class=\"ez-toc-section\" id=\"Loss_ratio\"><\/span><strong> Loss ratio<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p><strong><\/strong><\/p>\n\n\n<style>\n.loss-ratio-table table{\n  width:100%;\n  border-collapse:collapse;\n  font-family:'Segoe UI',Tahoma,Geneva,Verdana,sans-serif;\n  font-size:14px\n}\n.loss-ratio-table thead{background:#004ab4;color:#fff}\n.loss-ratio-table th,\n.loss-ratio-table td{\n  padding:12px;\n  border:1px solid #ddd;\n  vertical-align:top;\n  text-align:left\n}\n.loss-ratio-table tbody tr:hover{background:#f0f6ff;transition:.2s}\n\n\/* ---------- MOBILE \u201cSTACKED CARD\u201d LAYOUT ---------- *\/\n@media(max-width:600px){\n  .loss-ratio-table thead{display:none}\n  .loss-ratio-table tbody{display:block}\n  .loss-ratio-table tr{\n    display:block;\n    background:#fff;\n    border:1px solid #ddd;\n    border-radius:8px;\n    box-shadow:0 0 8px rgba(0,0,0,.05);\n    margin-bottom:16px;\n    padding:12px\n  }\n  .loss-ratio-table td{\n    display:block;\n    border:none;\n    border-bottom:1px solid #eee;\n    padding:8px 0\n  }\n  .loss-ratio-table td:last-child{border-bottom:none}\n  .loss-ratio-table td[data-label]::before{\n    content:attr(data-label) \": \";\n    font-weight:bold;\n    color:#004ab4\n  }\n}\n<\/style>\n\n<div class=\"loss-ratio-table\">\n<table>\n  <thead>\n    <tr>\n      <th>Insurer<\/th>\n      <th>Net\u2011earned premium (KES\u202f\u2019Billion)<\/th>\n      <th>Incurred claims (KES\u202f\u2019Billion)<\/th>\n      <th>Loss\u202fratio<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td data-label=\"Insurer\">AAR Insurance Kenya<\/td>\n      <td data-label=\"Net\u2011earned premium\">6.53B<\/td>\n      <td data-label=\"Incurred claims\">4.85B<\/td>\n      <td data-label=\"Loss\u202fratio\"><strong>74.4\u202f%<\/strong><\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">APA Insurance<\/td>\n      <td data-label=\"Net\u2011earned premium\">9.68B<\/td>\n      <td data-label=\"Incurred claims\">6.95B<\/td>\n      <td data-label=\"Loss\u202fratio\"><strong>71.8\u202f%<\/strong><\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">Britam\u202fGeneral<\/td>\n      <td data-label=\"Net\u2011earned premium\">8.82B<\/td>\n      <td data-label=\"Incurred claims\">5.65B<\/td>\n      <td data-label=\"Loss\u202fratio\">64.0\u202f%<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">CIC\u202fGeneral<\/td>\n      <td data-label=\"Net\u2011earned premium\">12.88B<\/td>\n      <td data-label=\"Incurred claims\">8.77B<\/td>\n      <td data-label=\"Loss\u202fratio\">68.2\u202f%<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">GA Insurance<\/td>\n      <td data-label=\"Net\u2011earned premium\">7.029B<\/td>\n      <td data-label=\"Incurred claims\">4.62B<\/td>\n      <td data-label=\"Loss\u202fratio\">65.8\u202f%<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">Jubilee\u202fHealth*<\/td>\n      <td data-label=\"Net\u2011earned premium\">9.94B<\/td>\n      <td data-label=\"Incurred claims\">7.92B<\/td>\n      <td data-label=\"Loss\u202fratio\"><strong>79.7\u202f%<\/strong><\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">ICEA\u202fLion\u202fGeneral<\/td>\n      <td data-label=\"Net\u2011earned premium\">4.23B<\/td>\n      <td data-label=\"Incurred claims\">2.12B<\/td>\n      <td data-label=\"Loss\u202fratio\">50.2\u202f%<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">Madison\u202fInsurance<\/td>\n      <td data-label=\"Net\u2011earned premium\">6.24B<\/td>\n      <td data-label=\"Incurred claims\">4.11B<\/td>\n      <td data-label=\"Loss\u202fratio\">65.9\u202f%<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">Old\u202fMutual\u202fGeneral<\/td>\n      <td data-label=\"Net\u2011earned premium\">13.97B<\/td>\n      <td data-label=\"Incurred claims\">9.69B<\/td>\n      <td data-label=\"Loss\u202fratio\">69.3\u202f%<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">Heritage Insurance<\/td>\n      <td data-label=\"Net\u2011earned premium\">4.56B<\/td>\n      <td data-label=\"Incurred claims\">2.21B<\/td>\n      <td data-label=\"Loss\u202fratio\"><strong>48.5\u202f%<\/strong><\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n\n<p><\/p>\n\n\n\n<p><strong>Key insights<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Medical-focused companies<\/strong> are feeling the pressure; both <strong>Jubilee Health and AAR <\/strong>have medical loss ratios close to or exceeding 75%, reflecting the overall industry medical figure of 78.9% for the year 2023.<\/li>\n\n\n\n<li><strong>APA and Old Mutual<\/strong> are on the verge of turning a profit: their ratios fall within the 70% range, leaving a slim margin when commissions and management costs (approximately another 35% combined across the industry) are considered. <\/li>\n\n\n\n<li><strong>ICEA Lion and Heritage<\/strong> stand out with their strong underwriting discipline. Boasting ratios below 50%, they can cover expenses while still achieving an underwriting profit. <\/li>\n\n\n\n<li><strong>CIC, GA, Britam, and Madison<\/strong> are positioned in the mid-60% range, generally in line with the overall business average claims ratio of 67.7% for 2023. Adjusting tariffs or tightening claims management could help them reach profitability.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Insurance_product_diversity\"><\/span><strong>Insurance product diversity: <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This particular criterion will help you understand which of the best insurance companies in Kenya will provide the best coverage for your needs.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong><\/strong><\/p>\n\n<!-- ========================================================= -->\n<!-- 1) Product\u2011diversity snapshot \u2014 mobile \u201cstacked\u2011card\u201d view -->\n<!-- ========================================================= -->\n<style>\n.product-diversity-2023 table{\n  width:100%;\n  border-collapse:collapse;\n  font-family:'Segoe UI',Tahoma,Geneva,Verdana,sans-serif;\n  font-size:14px\n}\n.product-diversity-2023 thead{background:#004ab4;color:#fff}\n.product-diversity-2023 th,\n.product-diversity-2023 td{\n  padding:12px;\n  border:1px solid #ddd;\n  vertical-align:top;\n  text-align:left\n}\n.product-diversity-2023 tbody tr:hover{background:#f0f6ff;transition:.2s}\n\n\/* ---------- MOBILE \u201cSTACKED CARD\u201d LAYOUT ---------- *\/\n@media(max-width:600px){\n  .product-diversity-2023 thead{display:none}\n  .product-diversity-2023 tbody{display:block}\n  .product-diversity-2023 tr{\n    display:block;\n    background:#fff;\n    border:1px solid #ddd;\n    border-radius:8px;\n    box-shadow:0 0 8px rgba(0,0,0,.05);\n    margin-bottom:16px;\n    padding:12px\n  }\n  .product-diversity-2023 td{\n    display:block;\n    border:none;\n    border-bottom:1px solid #eee;\n    padding:8px 0\n  }\n  .product-diversity-2023 td:last-child{border-bottom:none}\n  .product-diversity-2023 td[data-label]::before{\n    content:attr(data-label) \": \";\n    font-weight:bold;\n    color:#004ab4\n  }\n}\n<\/style>\n\n<div class=\"product-diversity-2023\">\n<table>\n  <thead>\n    <tr>\n      <th>Insurer<\/th>\n      <th>Mix of written premium (top insurance products)<\/th>\n      <th>How concentrated?<\/th>\n      <th>Take\u2011away<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td data-label=\"Insurer\">APA<\/td>\n      <td data-label=\"Mix\">Motor\u202f\u2248\u202f39\u202f% \u2022 Medical\u202f\u2248\u202f22\u202f% \u2022 Fire Ind.\u202f\u2248\u202f15\u202f% \u2022 10 others share balance<\/td>\n      <td data-label=\"Concentration\">High diversity<\/td>\n      <td data-label=\"Take\u2011away\">Balanced \u201call\u2011risk\u201d book; no single line &gt;\u202f40\u202f%.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">Old\u202fMutual<\/td>\n      <td data-label=\"Mix\">Medical\u202f\u2248\u202f33\u202f% \u2022 Motor\u202f\u2248\u202f22\u202f% \u2022 Marine\u202f\u2248\u202f9\u202f% \u2022 WIBA\u202f\u2248\u202f7\u202f% \u2022 Liability\u202f\u2248\u202f5\u202f%<\/td>\n      <td data-label=\"Concentration\">High diversity<\/td>\n      <td data-label=\"Take\u2011away\">Five sizeable classes spread risk across retail &amp; marine.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">CIC<\/td>\n      <td data-label=\"Mix\">Motor\u202f\u2248\u202f42\u202f% \u2022 Medical\u202f\u2248\u202f28\u202f% \u2022 WIBA\u202f\u2248\u202f14\u202f% \u2022 Liability\u202f\u2248\u202f7\u202f%<\/td>\n      <td data-label=\"Concentration\">Moderate\u2013high<\/td>\n      <td data-label=\"Take\u2011away\">Motor\u2011heavy but four strong lines for one\u2011stop cover.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">GA\u202fInsurance<\/td>\n      <td data-label=\"Mix\">Medical\u202f\u2248\u202f36\u202f% \u2022 Marine\u202f\u2248\u202f16\u202f% \u2022 Motor\u202f\u2248\u202f18\u202f% \u2022 Fire Ind.\u202f\u2248\u202f15\u202f% \u2022 Liability\u202f\u2248\u202f8\u202f%<\/td>\n      <td data-label=\"Concentration\">High diversity<\/td>\n      <td data-label=\"Take\u2011away\">Uncommon balance between health, cargo &amp; property.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">Britam<\/td>\n      <td data-label=\"Mix\">Motor\u202f\u2248\u202f37\u202f% \u2022 Medical\u202f\u2248\u202f28\u202f% \u2022 Marine\u202f\u2248\u202f10\u202f% \u2022 PA\u202f\u2248\u202f6\u202f%<\/td>\n      <td data-label=\"Concentration\">High diversity<\/td>\n      <td data-label=\"Take\u2011away\">Four pillars share premium; motor still prime.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">Jubilee Health<\/td>\n      <td data-label=\"Mix\">Medical\u202f\u2248\u202f92\u202f% \u2022 Others &lt;\u202f4\u202f% each<\/td>\n      <td data-label=\"Concentration\">Low<\/td>\n      <td data-label=\"Take\u2011away\">Medical specialist\u2014depth not breadth.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">AAR<\/td>\n      <td data-label=\"Mix\">Medical\u202f\u2248\u202f96\u202f% \u2022 Other lines &lt;\u202f4\u202f%<\/td>\n      <td data-label=\"Concentration\">Very low<\/td>\n      <td data-label=\"Take\u2011away\">Pure\u2011play health writer; pair with another carrier for assets.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">ICEA\u202fLion<\/td>\n      <td data-label=\"Mix\">Medical\u202f\u2248\u202f39\u202f% \u2022 Motor\u202f\u2248\u202f26\u202f% \u2022 Fire\/Eng.\u202f\u2248\u202f12\u202f% \u2022 PA\u202f\u2248\u202f9\u202f%<\/td>\n      <td data-label=\"Concentration\">Moderate<\/td>\n      <td data-label=\"Take\u2011away\">Health &amp; motor dominate, but property\/PA add spread.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">Madison<\/td>\n      <td data-label=\"Mix\">Medical\u202f\u2248\u202f93\u202f% \u2022 WIBA\/PA\/Liability \u2248\u202f2\u202f% each<\/td>\n      <td data-label=\"Concentration\">Very low<\/td>\n      <td data-label=\"Take\u2011away\">Medical\u2011centric at smaller scale\u2014sharp pricing in health niche.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Insurer\">Heritage<\/td>\n      <td data-label=\"Mix\">Motor\u202f\u2248\u202f50\u202f% \u2022 Medical\u202f\u2248\u202f33\u202f% \u2022 Fire Ind.\u202f\u2248\u202f5\u202f% \u2022 Liability\u202f\u2248\u202f5\u202f%<\/td>\n      <td data-label=\"Concentration\">Moderate<\/td>\n      <td data-label=\"Take\u2011away\">Motor\u2011centric but has meaningful medical &amp; property lines.<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n\n<p><\/p>\n\n\n\n<p>How to read it<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>High diversity<\/strong> = No single class makes up more than 50% of the total, with at least three classes each contributing 10% or more. <\/li>\n\n\n\n<li><strong>Moderate<\/strong> = One category falls between 33% and 50%, or there are only two additional classes that meet or exceed the 10% threshold. <\/li>\n\n\n\n<li><strong>Low \/ Very low<\/strong> = One product (usually in the medical field) accounts for over 70% of the premium, with other products considered minor.<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n<style>\n.implications-table table{\n  width:100%;\n  border-collapse:collapse;\n  font-family:'Segoe UI',Tahoma,Geneva,Verdana,sans-serif;\n  font-size:14px\n}\n.implications-table thead{background:#004ab4;color:#fff}\n.implications-table th,\n.implications-table td{\n  padding:12px;\n  border:1px solid #ddd;\n  vertical-align:top;\n  text-align:left\n}\n.implications-table tbody tr:hover{background:#f0f6ff;transition:.2s}\n\n@media(max-width:600px){\n  .implications-table thead{display:none}\n  .implications-table tbody{display:block}\n  .implications-table tr{\n    display:block;\n    background:#fff;\n    border:1px solid #ddd;\n    border-radius:8px;\n    box-shadow:0 0 8px rgba(0,0,0,.05);\n    margin-bottom:16px;\n    padding:12px\n  }\n  .implications-table td{\n    display:block;\n    border:none;\n    border-bottom:1px solid #eee;\n    padding:8px 0\n  }\n  .implications-table td:last-child{border-bottom:none}\n  .implications-table td[data-label]::before{\n    content:attr(data-label) \": \";\n    font-weight:bold;\n    color:#004ab4\n  }\n}\n<\/style>\n\n<div class=\"implications-table\">\n<table>\n  <thead>\n    <tr>\n      <th>Scenario<\/th>\n      <th>Best\u2011fit insurers (diverse)<\/th>\n      <th>Rationale<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td data-label=\"Scenario\">Corporate client bundling property, marine &amp; medical<\/td>\n      <td data-label=\"Best fit\">APA, GA, Old\u202fMutual, Britam<\/td>\n      <td data-label=\"Rationale\">Each carries 3\u20134 sizeable classes, enabling volume discounts and one\u2011policy admin.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Scenario\">SME seeking sharpest medical\u2011only rates<\/td>\n      <td data-label=\"Best fit\">Jubilee\u202fHealth, AAR, Madison<\/td>\n      <td data-label=\"Rationale\">Pure\u2011play medical specialists offer deeper provider networks and tighter pricing.<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Scenario\">Fleet owner needing fast motor claims + driver wellness<\/td>\n      <td data-label=\"Best fit\">Heritage, CIC<\/td>\n      <td data-label=\"Rationale\">Motor\u2011heavy books with respectable health add\u2011ons for integrated fleet solutions.<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<p><\/p>\n\n\n\n<!-- Center\u2011aligned, medium\u2011sized WhatsApp CTA -->\n<div style=\"text-align:center;\">\n  <a href=\"https:\/\/wa.me\/254762065500?text=Hi%20Amssurity%20team%2C%20I%E2%80%99d%20like%20to%20chat%20about%20insurance.\" target=\"_blank\" rel=\"noopener\" class=\"amssurity-whatsapp-btn\" style=\"\n       display:inline-block;\n       padding:12px 28px;           \/* medium size *\/\n       background:#25D366;          \/* WhatsApp green *\/\n       color:#fff;\n       font-family:inherit;\n       font-size:18px;\n       font-weight:600;\n       border-radius:6px;\n       text-decoration:none;\n       box-shadow:0 2px 6px rgba(0,0,0,.15);\n       transition:transform .2s,box-shadow .2s;\n     \">\n     Chat Us on WhatsApp&nbsp;\ud83d\udcf1\n  <\/a>\n<\/div>\n\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_the_numbers_matter\"><\/span><strong>Why the numbers matter<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When it comes to the top 10 insurance companies in Kenya, it is important to know that your overall experience and insurance product availability are dependent on the insurance numbers. In addition, they will help in assessing risk, determining premiums, ensuring financial stability, and measuring performance. Here are 7 reasons why insurance numbers matter:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Risk Evaluation &amp; Premium Setting<\/strong>: Insurance companies utilise data to evaluate risk and determine fair premium rates based on factors such as age, health status, and claims history.<\/li>\n\n\n\n<li><strong>Claims Processing<\/strong>: The volume of claims enables insurers to forecast future claim occurrences and modify policies accordingly.<\/li>\n\n\n\n<li><strong>Loss Ratios<\/strong>: Loss ratios assess an insurer&#8217;s profitability by comparing the amount of claims incurred to the premiums earned. A lower ratio signifies greater financial efficiency.<\/li>\n\n\n\n<li><strong>Financial Viability<\/strong>: Financial indicators like revenue and reserves demonstrate an insurer&#8217;s capability to fulfil obligations and settle claims.<\/li>\n\n\n\n<li><strong>Market Presence &amp; Expansion<\/strong>: market share indicates an insurer&#8217;s competitive edge and ability to attract clients, while growth rates reflect the expansion of the business.<\/li>\n\n\n\n<li><strong>Customer Experience<\/strong>: metrics such as retention rates and satisfaction with claims service reveal the quality of an insurer&#8217;s service and the trust of its customers.<\/li>\n\n\n\n<li><strong>Regulatory Compliance<\/strong>: Financial ratios ensure that insurers adhere to industry regulations and maintain solvency.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-1da7af80d7765caaf64859857bf002e7\" style=\"color:#004ab4\"><span class=\"ez-toc-section\" id=\"Importance_of_market_position\"><\/span><strong>Importance of market position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The top 10 best insurance companies in Kenya have understood why their position in the marketplace as this holds key to their success.  Some good considerations for you to know are&#8221;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Brand Recognition and Trust<\/strong>: A strong market presence enhances brand visibility, promoting customer confidence and loyalty. Well-established brands like Jubilee Health and AAR Insurance benefit from consumer familiarity, making them preferred options.<\/li>\n\n\n\n<li><strong>Competitive Edge<\/strong>: Top companies enjoy economies of scale, allowing them to provide lower premiums, a variety of products, and exceptional customer service, thereby distinguishing themselves from rivals.<\/li>\n\n\n\n<li><strong>Financial Stability<\/strong>: A robust market position reflects financial strength, attracting investors and facilitating growth. This stability guarantees reliable service and fosters consumer trust.<\/li>\n\n\n\n<li><strong>Regulatory Influence<\/strong>: Market leaders frequently excel in adhering to the Insurance Regulatory Authority (IRA) standards, positioning themselves at the forefront of regulation and advocacy efforts.<\/li>\n\n\n\n<li><strong>Customer Acquisition and Retention<\/strong>: A strong market position aids in acquiring and retaining customers. Established insurers can access underserved demographics and offer customized products, particularly for younger, tech-savvy clients.<\/li>\n\n\n\n<li><strong>Innovation<\/strong>: Insurers with significant market share can innovate more rapidly, introducing new offerings such as micro-insurance and utilizing technology to enhance service delivery.<\/li>\n\n\n\n<li><strong>Cost Efficiency and Risk Diversification<\/strong>: Prominent insurers can handle risks more effectively, providing customers with better value through a range of diversified products and streamlined operations.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Trends_shaping_Kenyas_insurance_scene_in_2025\"><\/span>Trends shaping Kenya\u2019s insurance scene in 2025<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The best insurance companies in Kenya are becoming trend setters in the adoption of technology. Some important trends to take note in 2025 in Kenya are:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Embedded &amp; Micro-insurance<\/strong>: With solutions like Britam Connect and M-PESA mini-covers, efficient APIs will engage the next 10 million Kenyans in formal insurance coverage. <\/li>\n\n\n\n<li><strong>Green &amp; Climate Risk Products:<\/strong> GA\u2019s electric vehicle insurance and CIC\u2019s coverage for crops and flood risks indicate a shift towards sustainability and resilience. <\/li>\n\n\n\n<li><strong>Agent Enablement Tech:<\/strong> Jubilee\u2019s JForce and AAR\u2019s MyWakalAAR demonstrate that while technology accelerates the process, human agents are still essential for closing deals. <\/li>\n\n\n\n<li><strong>Capital &amp; Ratings Competition<\/strong>: As IFRS-17 takes effect, insurers with AA-level ratings are facing challenges, with Heritage receiving an AA+(KE) affirmation from GCR, while GA and Jubilee Health both hold AA-(KE) ratings.<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consumer_behaviour_shifts\"><\/span><strong>Consumer behaviour shifts<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>As an insurance consumer, you are not being left behind as you select your top pick among the insurance companies in Kenya, There are the shifts we are seeing in 2025: <\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Digital Engagement:<\/strong> Customers increasingly choose mobile applications and websites to buy and manage their policies, highlighting a growing desire for convenience. Hence, why <a href=\"https:\/\/www.amssurity.co.ke\/\" data-type=\"link\" data-id=\"https:\/\/www.amssurity.co.ke\/\">Amssurity Insurance Agency<\/a> exists<\/li>\n\n\n\n<li><strong>Personalised Products<\/strong>: There is a rising interest in customised insurance products to meet individual needs, including specific health issues and financial aspirations.<\/li>\n\n\n\n<li><strong>Trust and Transparency<\/strong>: Consumers are leaning towards insurance providers that demonstrate clarity in pricing, claims procedures, and ethical standards.<\/li>\n\n\n\n<li><strong>Financial Literacy<\/strong>: As financial awareness grows, consumers make more educated choices and look for educational tools offered by independent insurance agents such as Amssurity Insurance Agency.<\/li>\n\n\n\n<li><strong>Micro-Insurance<\/strong>: Younger individuals and those with lower incomes are turning to flexible, on-demand micro-insurance options, which provide affordability and short-term coverage.<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"400\" src=\"https:\/\/www.amssurity.co.ke\/blog\/wp-content\/uploads\/2025\/05\/How-to-choose-Insurer.png\" alt=\"best insurance companies in Kenya\" class=\"wp-image-2016\" srcset=\"https:\/\/www.amssurity.co.ke\/blog\/wp-content\/uploads\/2025\/05\/How-to-choose-Insurer.png 750w, https:\/\/www.amssurity.co.ke\/blog\/wp-content\/uploads\/2025\/05\/How-to-choose-Insurer-300x160.png 300w, https:\/\/www.amssurity.co.ke\/blog\/wp-content\/uploads\/2025\/05\/How-to-choose-Insurer-345x184.png 345w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_choose_%E2%80%9CYour%E2%80%9D_insurer\"><\/span><strong>How to choose \u201cYour\u201d insurer<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Align benefits with needs<\/strong>: Choose AAR or Jubilee for extensive medical coverage; go for GA or Heritage if you need services for motor and marine; select CIC or Britam for agricultural and microfinance solutions. <\/li>\n\n\n\n<li><strong>Evaluate the network and response time<\/strong>: Inquire about the number of hospitals, garages, or assessors included in the network, along with the typical time for claims settlement. <\/li>\n\n\n\n<li><strong>Assess financial stability<\/strong>: Ratings of AA indicate greater solvency margins, which can be beneficial during disaster years. Seek expert guidance: An independent broker can compare premiums, exclusions, and service levels among all ten providers.<\/li>\n<\/ol>\n\n\n<p><\/p>\n\n\n\n<!-- Amssurity WhatsApp CTA \u2013 insert anywhere in a post -->\n<a href=\"https:\/\/wa.me\/254762065500?text=Hi%20Amssurity%20team%2C%20I%E2%80%99d%20like%20help%20comparing%20insurance%20options.\" target=\"_blank\" rel=\"noopener\" class=\"amssurity-cta\" style=\"\n     display:block;\n     max-width:750px;\n     margin:24px auto;\n     background:#ffd100;\n     color:#004ab4;\n     border-radius:10px;\n     padding:20px 24px;\n     text-align:center;\n     box-shadow:0 4px 12px rgba(0,0,0,.15);\n     text-decoration:none;\n     transition:.3s;\n   \">\n  <h2 style=\"font-size:1.35em;font-weight:bold;margin:0 0 14px;\"><span class=\"ez-toc-section\" id=\"Need_Help_Comparing_Kenyas_Top_Insurers-2\"><\/span>\n    Need Help Comparing Kenya\u2019s Top Insurers?\n  <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n  <p style=\"font-size:1em;margin:0 0 18px;\">\n    Chat with a licensed advisor at <strong>Amssurity Insurance Agency<\/strong>.  \n    We translate jargon, fight for your claims and hunt the best deal\u2014free of charge.\n  <\/p>\n\n  <span style=\"\n        display:inline-block;\n        padding:10px 20px;\n        background:#004ab4;\n        color:#fff;\n        border-radius:8px;\n        font-weight:bold;\">\n        Chat Us on WhatsApp&nbsp;\ud83d\udcf1\n  <\/span>\n<\/a>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1749197212502\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"What_should_I_look_for_when_choosing_an_insurance_company_in_Kenya\"><\/span><strong>What should I look for when choosing an insurance company in Kenya?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>When picking an insurer, focus on their financial strength, customer service reputation, and claim-settlement history. You also want to check that they offer the specific type of cover you need and that their premiums fit your budget<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1749197216820\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Are_local_Kenyan_insurers_as_reliable_as_international_ones\"><\/span><strong>Are local Kenyan insurers as reliable as international ones?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes. Many local insurers in Kenya have grown strong over the years and often offer products tailored to local needs. International insurers can bring global expertise, but local companies typically have deeper knowledge of Kenyan regulations and market dynamics.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1749197218263\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"How_do_I_compare_premiums_and_coverage_across_different_insurers\"><\/span><strong>How do I compare premiums and coverage across different insurers?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Start by getting quotes for the same level of cover from multiple companies. Then compare the price and policy details, such as exclusions, waiting periods, and benefit limits. Don\u2019t base your decision solely on cost. <a href=\"https:\/\/www.amssurity.co.ke\/\" data-type=\"link\" data-id=\"https:\/\/www.amssurity.co.ke\/\">Amssurity Insurance Agency<\/a> helps you compare different insurance companies all under one roof.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1749197219656\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Before_buying_a_policy_do_I_need_to_check_the_Insurance_Regulatory_Authority_IRA_license_status\"><\/span><strong>Before buying a policy, do I need to check the Insurance Regulatory Authority (IRA) license status?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Absolutely. The IRA regulates all insurers operating in Kenya. Verifying that a company is licensed with the IRA ensures that you\u2019re dealing with a legitimate business and that your policy is backed by the regulator.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1749197220706\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Can_I_switch_insurers_mid-policy_year_if_I_find_a_better_deal\"><\/span><strong>Can I switch insurers mid-policy year if I find a better deal?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can, but there are a few things to consider. You may need to cancel your existing policy, which could involve a prorated refund or cancellation fee. Also, ensure you won\u2019t have any gaps in cover, especially if you\u2019re switching health or motor insurance.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>The best insurance companies in Kenya play an important role in financial planning and risk management by providing essential protection [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":2007,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[84],"tags":[],"class_list":["post-2002","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-companies-in-kenya"],"modified_by":"Agnes Mukulu","_links":{"self":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/2002","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/comments?post=2002"}],"version-history":[{"count":77,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/2002\/revisions"}],"predecessor-version":[{"id":2155,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/2002\/revisions\/2155"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/media\/2007"}],"wp:attachment":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/media?parent=2002"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/categories?post=2002"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/tags?post=2002"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}