Group Life Insurance in Kenya

Most insurers require a minimum of 5 employees to qualify for group life insurance in Kenya. However, some providers may offer micro-group plans for as few as 2 employees, though premium rates may be higher. The optimal group size for the most competitive rates is typically 10 or more employees.

When an employee leaves, their group coverage typically ends. However, most policies include a conversion privilege that allows departing employees to convert their group coverage to an individual policy without evidence of insurability. The individual policy will have higher premiums but guarantees continued coverage.

For basic coverage amounts (typically up to 1-2 times annual salary), no medical exams are usually required. This is known as "guaranteed issue" coverage. However, for higher supplemental coverage amounts that employees purchase voluntarily, some health questions or simplified underwriting may be required.

Premiums are calculated based on several factors: the number of employees and their ages, the benefit amounts selected, your industry type, the group's claims history (if any), and the insurance provider's underwriting criteria. Generally, larger groups and younger workforces receive more favorable premium rates.

In the event of a claim, the beneficiary (typically a family member designated by the employee) should contact your HR department or insurance broker. We assist with the claims process, helping gather required documentation and working with the insurance company to ensure timely payment of benefits, usually within 30-60 days of claim submission.

Yes, most group life insurance policies can be enhanced with Accidental Death and Dismemberment (AD&D) coverage. This provides additional benefits if death occurs due to an accident, or if the employee suffers specific serious injuries like loss of limbs or eyesight. AD&D coverage is typically very affordable and provides valuable additional protection.