Family protected by insurance

Welcome to your Insurance learning hub

Your comprehensive guide to understanding insurance in Kenya. Learn about health, motor, business, life insurance, and more.

Insurance 101

Learn the basics of insurance, key terms, and how insurance works in Kenya. Understand premiums, deductibles, claims, and regulations by the Insurance Regulatory Authority (IRA).

Jump to a Topic:

SHIF/SHA & Health Insurance in Kenya

The Social Health Insurance Fund (SHIF) is Kenya’s mandatory health insurance scheme for all Kenyans aged 18 and above. Learn how it works and how to combine it with private medical cover.

→ Understanding SHIF and its Benefits → Private Health Insurance vs SHIF → Comparing Health Insurance Providers in Kenya

WIBA – Work Injury Benefits Act

WIBA insurance is mandatory for employers in Kenya. It protects employees against work-related injuries, illnesses, or death. Get to know your legal obligations and coverage scope.

→ What Employers Need to Know About WIBA → Understanding the WIBA Claims Process → WIBA Compliance Checklist for Businesses

Private Motor Insurance

Whether you're driving in Nairobi or Mombasa, learn the difference between third-party and comprehensive car insurance, and tips for getting the best deal.

→ Third-Party vs Comprehensive Cover → Compare Car Insurance Providers → Step-by-Step Motor Insurance Claims Guide

Life Insurance & Education Plans

Life insurance provides financial support to your loved ones in case of death. Learn about term life, whole life, and education savings plans for your children.

→ Choosing the Right Life Cover in Kenya → Education Savings & Insurance Plans → Understanding Life Insurance Beneficiaries

Retirement Planning & Annuities

Start planning for retirement early. Annuities are insurance-based products that provide a steady income during your golden years.

→ What Are Annuities and How They Work → Pension Schemes vs Annuities in Kenya → Comprehensive Retirement Planning Guide

Business Insurance Essentials

Whether you're running a tour company or a cyber café, business insurance protects your assets and employees. Learn which policies are mandatory and optional.

→ Types of Business Insurance in Kenya → Insurance Guide for Small Businesses → Understanding Cyber Insurance for Businesses

How to File Insurance Claims in Kenya

Filing a claim doesn't have to be stressful. This section guides you through the steps for filing motor, medical,life or property claims quickly and correctly.

→ Step-by-Step Insurance Claim Process → Essential Documentation for Insurance Claims → Resolving Insurance Claim Disputes

Frequently Asked Questions

Typically, you need a copy of your ID, KRA PIN, vehicle logbook (for motor), and any medical records (for health/life).

Start by contacting your insurer or broker. Submit necessary forms, photos, and documents. Processing times vary by provider.

Third-party insurance covers damage to other people and their property but not your own vehicle. Comprehensive insurance covers damage to your vehicle as well as third-party liabilities, theft, fire, and other specified risks. Comprehensive is more expensive but offers broader protection.

Yes, the Social Health Insurance Fund (SHIF) is mandatory for all Kenyans aged 18 and above. While private health insurance is optional, it provides additional coverage beyond what SHIF offers and can give you access to private healthcare facilities.

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