FAQs

• Helps pay for: inpatient, outpatient, tests, treatments.
• Shields you from big, surprise bills.
• Better access to quality care.

• Inpatient: Admissions or day surgery.
• Outpatient: Visits, tests, medicines.
• Add?ons: Maternity, dental, optical.

Varies by insurer. Commonly: newborns (post-discharge, ≥37–38 weeks) up to about 75 years. Some plans are senior-only or child-only.

• Benefits you need (chronic, maternity, dental/optical).
• Budget & payment frequency.
• Waiting periods.
• Co-pays/excesses.
• The hospital network you prefer.

• Maternity: 9–12 months
• Pre-existing: up to 1 year
• Emergency: none
• Acute illness: ~30 days
• Cancer: up to 2 years
• Transplant: up to 5 years

Some plans allow overseas treatment if not available locally (often with referral and pre-authorisation).

Benefits pause unless your policy has extensions/top-ups. Consider SHIF/SHA alongside private cover.

Commonly covers spouse and children (to 21, or 25 if studying). Some schemes allow disabled dependents beyond the usual limits.

• Cosmetic/experimental care.
• Non-approved drugs/devices.
• Self-treatment without approval.
• Out-of-panel visits without approval.

• SHIF/SHA: Online registration.
• Private: Application + ID, KRA PIN, medical disclosures. We help you submit.

Usually allowed within panel rules, it may require notice.

Many schemes allow a short continuation. You can often switch to individual contributions.

• Annual check-ups
• Vaccinations
• Family planning
• Nutrition counselling

We check your preferred facilities against each insurer’s panel and share links in your quote pack.

Co-pay = fixed amount you pay at the service. Sub-limit = cap on specific benefits inside your overall limit (e.g., dental, optical).

WhatsApp/email us basic details → we open in 2 business hours → checklist → follow-ups until resolution.

• TPO: Third-party liability only.
• TPFT: TPO + fire & theft (incl. riot).
• Comprehensive: Your car + third?party + theft/fire + optional extras.

Yes, at least TPO to drive on public roads.

TPO from ~KSh 4,500/yr. Comprehensive depends on car value/age, driver, make/model, and claims history.

• Logbook (copy)
• ID/passport + KRA PIN
• Driver’s licence
• Valuation (comprehensive; often within 14 days)
• No-claims proof (if any)

Report to insurer (police too for accidents/theft) → send abstract, estimates, photos → assessor approves repairs or payout. TPO third party handled by insurer.

Some allow 30–50% deposit for one-month activation, balance in up to four instalments. A claim usually triggers full premium payment.

• Courtesy car
• Personal Accident
• Excess protector
• PVT/RSCC (political violence/terrorism)

Fleet policies, no-claim bonus, trackers/anti-theft.

• Deliberate damage
• DUI
• Wear/tear or mechanical failure
• Unapproved modifications

Report within 24h + abstract + ownership proof. Many policies wait ~3 months for non-recovery. Trackers can lower excess (~2.5%).

No, policies bind the owner + vehicle. Buyer needs a new policy.

Fines (~KSh 10,000–50,000), impoundment, possible licence suspension/prosecution.

Approved valuer: age, make, condition. Over?value = higher premium; under-value = lower payout.

Often included for occupants (limits vary; ~KSh 100,000 common).

Insurer covers third-party injury/death to limits + property damage (often up to ~KSh 20m). Legal defence may apply.

• ≤30 days: discovery → market test → final quotes → onboarding.
• We handle data intake, panel mapping, and member rollout.

• Member census
• Current benefits
• Claims history (if available)
• Preferred hospitals/clinics

• Open within 2 business hours
• Checklist + follow-ups every 48–72h
• Escalation up to Director

• Claim frequency/TAT
• High-cost cases
• Network usage
• Renewal savings plan

WhatsApp or email us with what happened + date + provider. We open in 2 business hours and share a checklist.

Every 48–72 hours as standard, with escalations if needed. We confirm settlements or next steps as updates arrive.

A policy that pays your beneficiary on death or specified events (e.g., critical illness, disability) as defined in the cover.

• Replaces income
• Covers debts/education
• Shields against major medical shocks

Base it on income, expenses, debts, dependants, and future goals. We can help calculate.

• Endowment, whole life
• Group life (business)
• Riders: disability, critical illness, funeral

Often entry from ~18–65 years (varies by product).

MPESA, direct debit, or employer check-off (where available).

Proposal form + ID + KRA PIN. Some sums assured require medicals.

Monthly, quarterly, semi-annual, or annual.

• Death benefit
• Cashbacks/bonuses (where applicable)
• Disability & critical illness benefits
• Accidental death benefit

Many policies qualify for relief (often 15% up to KSh 60,000/yr), subject to KRA rules.

Early lapses after grace (~30 days). After ~3 years, many policies gain surrender value; options include reinstatement or reduced paid?up.

Update beneficiaries, sum assured, or payment frequency (policy/underwriting rules apply).

People who rely on you (spouse, children, parents) or a trust. Review after big life events.

Protects your home and contents from insured risks (fire, theft, some natural perils) and covers liabilities.

• Structure (A): Building + fixtures (rebuild cost).
• Contents (B): Furniture, electronics, personal items.
• All-risks (C): Portable items away from home.
• Liability (D/E): Domestic workers WIBA + third-party.
• Extras: Alternative accommodation, freezer contents, debris removal.

Depends on rebuild value, location, security, and cover scope. Basic covers from ~KSh 5,000/yr; riders add cost.

Tenant: contents + liability (not building). Homeowner: building + contents + liability.

• Check rebuild cost + inventory contents.
• Compare inclusions/exclusions/riders.
• Review insurer reputation + claims TAT.
• Update sums insured after changes.

• Wear/tear or maintenance issues
• Mechanical/electrical breakdown (unless covered)
• Unexplained losses
• High-value items above limits unless declared

Notify insurer → provide photos/reports/estimates → allow inspection → repair/replace/cash (less excess).

Not by law; often required by mortgage lenders. Some landlords ask tenants to carry contents cover.

Add riders: domestic workers WIBA, golfer’s cover, PVT/terrorism, and electrical short-circuit.

• Peace of mind
• Meets lender/lease requirements
• Shields against costly liability

Share your details online. We’ll send 3 options + a one-page brief in 24 hours.

Yes, book a 15-minute consultation. We’ll walk you through options and fine print.