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WIBA Insurance for Construction Sites in Kenya: Rates & Rules

WIBA Insurance for Construction Sites in Kenya: Rates & Rules

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WIBA Insurance for Construction Sites in Kenya: Rates & Rules | Step by Step Insurance

A construction site can go from a normal working day to a serious accident in seconds.

A worker can fall from scaffolding. Someone can be injured by machinery. A labourer could suffer an injury while handling heavy materials. In more serious cases, a workplace accident can result in permanent disability or death.

For a contractor, the consequences go beyond the immediate injury.

There can be medical costs, compensation claims, project delays, legal complications and serious financial pressure on the business.

This is where WIBA insurance for construction sites in Kenya becomes important.

WIBA, which stands for the Work Injury Benefits Act, provides a framework for compensation when employees suffer work-related injuries, occupational diseases or death. Kenyan law also requires employers to maintain insurance against liabilities they may incur under the Act.

But how much does WIBA cost for construction workers? What affects the rate? Who should be covered? And what happens if an accident occurs on your site?

Let’s break it down.

🔑 Key Takeaways

  • WIBA is mandatory for all construction companies in Kenya under the Work Injury Benefits Act.
  • Premiums are payroll-based — typically calculated as a percentage of your annual wage bill (market rates range from 1%–3% for construction crews).
  • Casual & temporary workers must be included — don’t assume their status removes your obligations.
  • Proper accident reporting is critical — fatal accidents must be reported to DOSHS within 24 hours, non-fatal within 7 days.
  • WIBA is not the same as Contractors All Risks (CAR) — you likely need both for full protection.
📋 Table of Contents
What Is WIBA Insurance? Is WIBA Insurance Mandatory? How Much Does WIBA Cost? How Are Premiums Calculated? What Factors Affect WIBA Rates? Does WIBA Cover Casual Workers? What Happens If a Worker Is Injured? What If a Contractor Has No WIBA? WIBA vs Contractors All Risks Other Insurance to Consider Construction Site WIBA Checklist How Step by Step Insurance Helps Don’t Wait Until an Accident Frequently Asked Questions Final Word

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What Is WIBA Insurance?

WIBA insurance is insurance designed to cover an employer’s liability for benefits payable under Kenya’s Work Injury Benefits Act, 2007.

The cover is relevant when an employee suffers an injury or occupational disease arising out of and in the course of employment.

For a construction company, this can include employees working in roles such as:

  • General labourers
  • Masons
  • Carpenters
  • Electricians
  • Plumbers
  • Welders
  • Machine operators
  • Site supervisors
  • Drivers
  • Equipment operators
  • Other employees working on the construction project

Construction work involves many hazards, including working at height, heavy machinery, excavation, electrical work and moving materials.

That makes having appropriate employee injury cover particularly important.

📘 Learn how to buy WIBA insurance in Kenya step by step →

Is WIBA Insurance Mandatory for Construction Companies in Kenya?

Yes.

Section 7 of the Work Injury Benefits Act requires an employer to obtain and maintain an insurance policy, with an insurer approved by the relevant authority, against liabilities that the employer may incur under the Act.

This means WIBA should not be treated as an optional extra simply because you run a small construction company or have a relatively small team.

Whether you’re building a residential house, commercial property, apartments, warehouses or other structures, your employees can be exposed to workplace risks.

What does this mean for a contractor?

Before your team gets to work, you should think about:

  • Who are your employees?
  • What work are they doing?
  • What is your total annual payroll?
  • What risks are they exposed to?
  • What insurance do you need?
  • How will you respond if someone is injured?

Getting these questions right before an accident is much easier than trying to solve them afterwards.

🔗 Read more about WIBA and Employers Liability in Kenya →

How Much Does WIBA Insurance Cost for Construction Workers in Kenya?

This is one of the first questions contractors usually ask.

The important thing to understand is that there isn’t one fixed WIBA price for every construction company in Kenya.

WIBA premiums are generally influenced by factors including the employer’s payroll and the nature and risk level of the work.

For example, an office-based business and a construction company may have completely different risk profiles.

Construction involves more physical hazards, so the applicable premium rate can be higher than that for low-risk office work.

Current Kenyan market examples show construction WIBA being quoted using a percentage of the annual wage bill, with indicative rates varying by insurer and risk classification. One current construction insurance pricing guide, for example, indicates a range of approximately 1% to 3% of total estimated payroll for construction crews. This should be treated as an indicative market range, not a fixed statutory WIBA rate.

Our own guide to WIBA premiums also explains that insurers consider factors such as annual salaries, job risk, industry and workforce size when calculating premiums.

So what does that mean for you?

If your construction company’s annual payroll increases, the potential premium will generally increase as well.

The risk classification of the employees also matters.

For example, a company employing:

  • 10 office administrators
  • 20 construction labourers
  • 5 machine operators

may not have one identical risk rate applied across every role.

The insurer needs to understand what your employees actually do.

How Are WIBA Premiums Calculated?

A simplified way to understand the calculation is:

WIBA premium = Annual wage bill × applicable premium rate

For example, suppose a construction company has an annual employee wage bill of KSh 5 million.

If an insurer quoted an illustrative rate of 2%, the basic premium would be:

KSh 5,000,000 × 2% = KSh 100,000

That is only an illustration.

It does not mean every construction company with a KSh 5 million payroll will pay KSh 100,000.

The actual rate depends on the insurer’s underwriting assessment, the employee occupations, risk profile, policy terms and other applicable charges.

This is why it’s better to get an actual quotation rather than relying entirely on an online calculator or a percentage you heard from another contractor.

What Factors Affect WIBA Rates for Construction Companies?

Several factors can affect what you pay.

1. Your annual payroll

Your total employee wage bill is one of the most important factors.

A company with a KSh 2 million annual payroll will generally have a different premium from one with a KSh 20 million payroll.

This is because the potential benefits payable under WIBA are linked to employee earnings.

2. The type of construction work

Not every construction project carries exactly the same level of risk.

For example, a project involving significant work at height may present different risks from a small renovation project.

Other factors can include:

  • Excavation
  • Demolition
  • Heavy machinery
  • Electrical work
  • Welding
  • Roofing
  • Scaffolding
  • Underground work
  • Handling heavy materials

Your insurer needs to understand the actual activities being undertaken.

3. Employee roles

A site administrator and a worker operating heavy machinery don’t necessarily present the same level of occupational risk.

When requesting a quote, give accurate information about the roles within your business.

4. Number of employees

The number of workers also contributes to the overall exposure.

More employees generally means a larger total wage bill and potentially greater exposure to workplace injuries.

5. Your claims history

Depending on the insurer and underwriting circumstances, previous claims and your risk profile can also influence how your business is assessed.

This is another reason why maintaining good workplace safety practices matters.

Does WIBA Cover Casual Construction Workers?

This is an important question for contractors because construction companies often use casual, temporary or project-based labour.

You shouldn’t assume that calling someone a “casual worker” automatically removes your responsibilities as an employer.

If people are working for your business, their employment arrangement and the circumstances of the work need to be properly considered when arranging your insurance.

When getting a WIBA quotation, tell your insurance intermediary about the different categories of workers you use.

That includes:

  • Permanent employees
  • Temporary workers
  • Casual workers
  • Project-based workers
  • Site labourers
  • Skilled workers
  • Drivers and machine operators

Accurate information helps your insurer assess the risk properly.

What Happens If a Construction Worker Is Injured?

The first priority should always be the safety and medical treatment of the injured worker.

After that, the accident needs to be properly reported and documented.

The Directorate of Occupational Safety and Health Services, DOSHS, states that employers should report fatal workplace accidents to the relevant DOSHS county office within 24 hours, while non-fatal accidents should be reported within 7 days, using the DOSHS1 form.

A simple process looks like this:

Step 1: Get medical assistance

Make sure the injured worker receives appropriate medical attention.

Step 2: Report the accident

Follow the applicable workplace accident reporting requirements.

Step 3: Document what happened

Record relevant details such as:

  • Date and time
  • Location
  • Nature of the accident
  • Employee details
  • Job role
  • Witnesses
  • Medical information
  • Circumstances surrounding the incident

Step 4: Notify your insurer

Inform your insurance intermediary or insurer as soon as possible and follow the claims procedure.

Step 5: Keep your documentation

Keep copies of relevant reports, medical documents, employment records and correspondence relating to the incident.

The DOSHS process notes that an investigation can follow an accident report and that the report forms part of the process for seeking compensation under WIBA.

What Happens If a Contractor Doesn’t Have WIBA Insurance?

This is where the decision to “save money” on insurance can become very expensive.

If an employer has not taken out the required WIBA insurance, the employer can remain responsible for the liabilities arising under the Act.

In other words, not having insurance doesn’t make the workplace injury disappear.

Instead, the business may be exposed to the financial consequences itself.

For a small contractor, a serious workplace accident could put significant pressure on cash flow.

You could suddenly be dealing with:

  • Medical expenses
  • Compensation obligations
  • Legal costs
  • Business disruption
  • Employee disputes
  • Project delays
  • Compliance problems

And if the accident is serious, the financial consequences can be much greater than the cost of arranging appropriate insurance in the first place.

WIBA vs Contractors All Risks Insurance

One common mistake we see when discussing construction insurance is treating WIBA and Contractors All Risks insurance as the same thing.

They aren’t.

WIBA

WIBA is focused on the employer’s liabilities relating to employees and workplace injuries, occupational diseases and death under the Act.

Contractors All Risks

Contractors All Risks, commonly called CAR, is designed around construction project risks.

Depending on the policy, it can address risks involving things such as:

  • Construction works
  • Materials
  • Project-related physical damage
  • Certain third-party liabilities

The two covers serve different purposes.

Think about it this way:

WIBA protects against a specific category of employee-related risk.

Contractors All Risks protects the construction project against covered project risks.

You may therefore need both rather than choosing one instead of the other.

What Other Insurance Should Construction Companies Consider?

WIBA is important, but it may not be the only insurance your construction business needs.

Depending on your project and operations, you may also want to consider:

Contractors All Risks Insurance

For risks associated with the construction project itself.

Public Liability Insurance

For certain claims involving third-party injury or property damage.

For example, imagine construction materials fall and damage a neighbouring property.

That is a different type of risk from an employee injuring themselves while working on your site.

Motor Commercial Insurance

If your company operates construction vehicles, trucks or other commercial vehicles, the appropriate motor insurance should also be considered.

Plant and Machinery Insurance

If you own expensive construction equipment, you may need specific protection for your machinery.

Professional Indemnity Insurance

This can be relevant to professionals providing design, engineering, architectural or consultancy services, depending on their role.

The right combination depends on your business and the project.

📌 Useful Resources

Explore these helpful guides and services from Step by Step Insurance:

# Resource Link
📘 How to Buy WIBA Insurance in Kenya
Step-by-step guide		 View Guide →
⚖️ WIBA and Employers Liability in Kenya
Understand your obligations		 Read More →
📞 Contact / Request a Consultation
Speak with an insurance expert		 Get in Touch →
💰 Get a Quote
Request your WIBA premium estimate		 Get a Quote →

📞 +254 (0) 735 626 912 📞 +254 (0) 716 534 192 💬 0722 888 350 (WhatsApp)

Construction Site WIBA Compliance Checklist

Before your workers start work, use this simple checklist.

WIBA checklist for contractors

  • Identify all employees and their roles
  • Calculate your annual wage bill
  • Tell your insurer what construction activities you undertake
  • Arrange appropriate WIBA insurance
  • Check the policy period and details
  • Keep employee and payroll records updated
  • Understand your accident reporting responsibilities
  • Know how to notify your insurer about an accident
  • Keep copies of your insurance documentation
  • Review your insurance whenever your workforce or operations change
  • Consider other construction insurance such as Contractors All Risks and Public Liability

Insurance is much easier to manage when you build it into your project planning from the beginning.

How Step by Step Insurance Helps Construction Contractors

At Step by Step Insurance, we understand that insurance can sometimes feel like another complicated part of running a construction business.

You already have to deal with workers, materials, suppliers, clients, deadlines and project costs.

Insurance shouldn’t add unnecessary confusion.

That’s where we come in.

We help you understand what you need

Instead of simply asking you to buy a policy, we look at your business and the risks you’re dealing with.

We can help you understand whether you need WIBA, Contractors All Risks, Public Liability or other covers for your particular situation.

We help you arrange WIBA cover

We’ll guide you through the information needed for a quotation, including your workforce, payroll and nature of construction work.

The more accurate the information, the better your insurer can assess the risk.

We help you understand the cost

Rather than assuming that every contractor should pay the same WIBA rate, we help you understand what is influencing your premium.

Your final price should be based on your actual business and the terms offered by the insurer.

We help you understand your policy

Insurance documents can contain a lot of technical language.

We help break down what your policy covers, what information you need to provide and what to do when something goes wrong.

We can guide you when you need to make a claim

An accident is stressful enough without wondering what you should do next.

We’ll guide you through the relevant insurance process and help you understand the documentation required.

📞 Contact us for a consultation or request a quote tailored to your construction business.

Don’t Wait Until There’s an Accident

The worst time to start asking questions about WIBA is after a worker has been injured.

By then, you are already dealing with the accident itself.

A better approach is to arrange the right cover before work begins and review it whenever your workforce, payroll or construction activities change.

For construction businesses in Kenya, WIBA should be part of your risk management plan, not simply another document kept in the office.

And remember, WIBA is only one part of construction insurance.

Your workers, equipment, project and third parties can all face different risks.

Building or managing a construction project?

Talk to Step by Step Insurance.

We’ll help you understand your WIBA requirements and explore the insurance covers that make sense for your construction business.

Frequently Asked Questions About WIBA Insurance for Construction Sites

Is WIBA insurance mandatory for construction companies in Kenya?

Yes. Employers are required under the Work Injury Benefits Act to maintain insurance against liabilities they may incur under the Act.

How much does WIBA cost for construction workers in Kenya?

There is no single fixed price for every construction company. Premiums are generally influenced by factors such as the annual wage bill, employee occupations and the risk profile of the business. Current market examples show construction rates being quoted as a percentage of payroll, but the actual rate should be confirmed through an insurer or insurance intermediary.

What is the WIBA rate for construction workers?

The rate can vary depending on the insurer and risk classification. Some current market guides indicate approximately 1% to 3% of estimated payroll for construction crews, but this is an indicative range rather than a universal statutory rate.

Does WIBA cover casual construction workers?

The contractor should disclose all relevant categories of workers, including casual and temporary workers, when arranging cover. Do not assume that a worker’s casual or temporary status automatically removes your responsibilities.

What should I do if a worker is injured on my construction site?

First, make sure the worker receives appropriate medical attention. Then follow the applicable workplace accident reporting requirements, document the incident and notify your insurer promptly. DOSHS states that fatal accidents should be reported within 24 hours and non-fatal accidents within 7 days using the DOSHS1 form.

Is WIBA the same as Contractors All Risks insurance?

No. WIBA deals with employer liabilities relating to employee work injuries and occupational diseases under the Act. Contractors All Risks is a separate construction insurance product focused on covered project risks.

Can Step by Step Insurance help me get WIBA insurance?

Yes. Step by Step Insurance can help you understand your insurance requirements, provide guidance on the information needed for a quotation and help you arrange appropriate insurance for your construction business.

Final Word

Construction is a business where preparation matters.

You prepare your plans.

You prepare your materials.

You prepare your workers.

You prepare your budget.

Your insurance should be prepared too.

WIBA can help protect your business against the financial consequences of employee workplace injuries, while other construction insurance covers can address the risks surrounding your project.

The goal isn’t simply to buy the cheapest policy.

It’s to understand your risks, arrange appropriate cover and know what to do when something goes wrong.

At Step by Step Insurance, we’re here to make that process simpler.

📞 Contact Step by Step Insurance  |  💰 Get a Quote

Insurance for Small, Medium and Large Businesses in Kenya

Insurance for Small, Medium and Large Businesses in Kenya

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Business Insurance in Kenya – A Complete Guide | Step by Step Insurance

Running a business in Kenya comes with opportunities, but it also comes with risks. A small shop can lose stock in a fire. A growing business can suffer losses after a burglary. An employee can get injured while working. A customer can make a claim against your business. A factory, warehouse or office can experience a major disruption that affects normal operations.

The size of your business may be different, but one thing remains the same: unexpected events can cause serious financial losses. That is where business insurance comes in.

At Step by Step Insurance, we work with businesses at different stages of growth to help them understand the risks they face and explore insurance solutions that fit their needs. Whether you run a small biashara, a growing SME or a large organisation, this guide explains the types of business insurance you may need in Kenya.

Key Takeaway

Business insurance is not one-size-fits-all. The right cover depends on your industry, size, assets and the specific risks your business faces. Start by identifying what could cause the biggest financial hit — and protect that first.

What Is Business Insurance?

Business insurance refers to insurance designed to protect a business against specific financial losses caused by unexpected events covered under an insurance policy.

Depending on the type of business and policy selected, insurance can help protect things such as:

  • Business buildings and premises
  • Stock
  • Machinery and equipment
  • Employees
  • Company vehicles
  • Goods in transit
  • Customers and members of the public
  • Professional services
  • Business income following certain insured disruptions

Kenya’s insurance framework includes recognised classes such as commercial and industrial fire insurance, liability insurance, engineering insurance, marine insurance and other general insurance covers. (Kenya Law)

However, there is no single insurance package that works perfectly for every business. A small salon does not face exactly the same risks as a manufacturing company. A professional consultancy does not have the same insurance needs as a supermarket with multiple branches. The right cover depends on what your business does, what it owns and the risks it faces.

Insurance for Small Businesses in Kenya

Many small business owners assume insurance is only necessary for large companies. That is not always true. In fact, a major loss can sometimes have a bigger impact on a small business because the business may have fewer financial resources available to recover.

Imagine running a small retail shop and losing most of your stock in a fire. Or imagine your salon being broken into and expensive equipment being stolen. Replacing everything from your own pocket could significantly affect the future of the business.

Examples of Small Businesses That May Need Insurance

Small businesses in Kenya include:

  • Retail shops
  • Salons and barbershops
  • Restaurants and cafés
  • Small offices
  • Cyber cafés
  • Hardware shops
  • Startups
  • Workshops
  • Small professional firms

Insurance Covers Small Businesses Should Consider

Fire and Perils Insurance

Fire can cause significant damage to business premises, stock, furniture, equipment and other property. Depending on the policy and extensions selected, fire insurance may also include additional specified risks. Step by Step Insurance recently highlighted that businesses should carefully review what is included, excluded or available as an extension rather than assuming every risk is automatically covered.

Burglary Insurance

Burglary cover may be important for businesses with valuable stock, equipment or other property that could be targeted during a break-in.

Public Liability Insurance

If customers regularly visit your premises, your business may face liability risks if someone suffers an injury or property damage connected to your operations.

WIBA

Businesses with employees should consider their responsibilities and risks relating to workplace injuries.

Money Insurance

Businesses that handle significant amounts of cash may also consider insurance designed for specific money-related risks.

All Risks Insurance

This can be useful for certain portable business equipment, depending on the policy terms.

The Key Lesson for Small Businesses

You do not need to insure everything blindly. Start by asking:

“What unexpected event could cause the biggest financial problem for my business?”

That question can help you begin identifying the risks that deserve attention.

Insurance for Medium-Sized Businesses in Kenya

As a business grows, its risks usually grow too. A medium-sized business may have:

  • More employees
  • Higher-value equipment
  • Larger stock levels
  • More customers
  • Several vehicles
  • Larger premises
  • Multiple locations

At this stage, relying on one basic insurance policy may not be enough.

Important Insurance Covers for Medium-Sized Businesses

Property Insurance

Businesses with significant assets may need protection for: Buildings, stock, machinery, furniture, computers and equipment. It is important to use accurate values when arranging insurance. Underinsurance can become a serious problem when the value declared for property is significantly lower than the actual value at risk.

Public and Products Liability

As customer numbers increase, liability exposure can also increase. Businesses that manufacture, sell or distribute products may need to consider risks associated with claims involving their products.

Goods in Transit Insurance

Businesses transporting goods may face losses while stock is moving from one location to another. Step by Step Insurance offers marine insurance options for shipments and goods-related risks, among other business-focused insurance solutions.

Commercial Motor Insurance

Businesses with company vehicles should consider insurance appropriate for their commercial operations.

Business Interruption Insurance

A business can sometimes recover physically after a major incident but still struggle financially while operations are disrupted. Business interruption cover may help with certain financial consequences of an insured interruption, depending on the policy.

Fidelity Guarantee

Some businesses may also face financial risks arising from employee dishonesty. Fidelity-related insurance may be relevant depending on the nature of the business and its exposure.

Insurance for Large Businesses in Kenya

Large businesses often have more complex operations and larger financial exposures. They may operate:

  • Multiple branches
  • Warehouses
  • Factories
  • Large offices
  • Distribution networks
  • Large vehicle fleets

They may also employ hundreds of people and own significant amounts of property and equipment. Because of this, insurance planning often needs to be more detailed.

Important Insurance Areas for Large Businesses

Property and Industrial Risks

Large organisations may need insurance for high-value: Buildings, machinery, production equipment, warehouses, stock and business contents.

Business Interruption

For a large organisation, even a temporary shutdown can result in significant financial consequences. Business interruption planning can therefore be an important part of overall risk management.

Group Life and Employee Benefits

As employee numbers grow, businesses may consider group insurance and employee benefit arrangements. Step by Step Insurance lists Group Life Insurance among its available insurance solutions for businesses and organisations.

Professional Indemnity Insurance

Businesses providing professional advice or specialised services may face claims related to errors, negligence or professional services. Step by Step Insurance provides professional indemnity guidance for Kenyan professionals and businesses, particularly where professional or contractual requirements may apply.

Cyber and Technology Risks

Businesses that depend heavily on digital systems or handle important customer and business information may also need to consider cyber-related risks.

Engineering Insurance

Businesses using machinery, industrial equipment or involved in construction may face specialised risks that require engineering-related insurance solutions. Kenya’s insurance regulations recognise engineering insurance as covering risks involving plant and machinery, including certain equipment breakdown and construction-related risks. (Kenya Law)

Small vs Medium vs Large Business Insurance in Kenya

Business Size Common Risks Insurance Priorities
Small Business Fire, theft, employee injuries Property, fire, burglary, WIBA, liability
Medium Business Higher-value assets and operations Property, liability, commercial motor, goods in transit
Large Business Complex and high-value risks Business interruption, employee benefits, engineering, professional liability

The table above is only a general guide. The actual insurance needs of your business should be based on your specific operations and risk exposure.

Your Industry Also Determines the Insurance You Need

Business size is important, but industry matters too.

Retail Businesses

Retailers may consider: Fire insurance, burglary insurance, stock protection, money insurance and public liability.

Restaurants and Hospitality Businesses

These businesses may need to consider: Fire risks, kitchen equipment, public liability, employee-related risks and business interruption.

Manufacturing Businesses

Manufacturers may face risks involving: Fire, machinery, equipment breakdown, employee injuries and business interruption.

Construction Businesses

Construction companies may need specialised covers relating to: Contract works, plant and machinery, employee risks and third-party liability.

Professional Service Businesses

Consultants, accountants, IT companies, marketing agencies and other professional businesses may need to consider: Professional indemnity, office insurance, equipment protection and cyber-related risks.

Transport and Logistics Businesses

These businesses may consider: Commercial motor insurance, goods in transit, marine-related cover and employee protection.

How Much Does Business Insurance Cost in Kenya?

There is no single price for business insurance. The cost can depend on factors such as:

  • The type of business
  • Value of assets
  • Number of employees
  • Industry risks
  • Type of cover required
  • Claims history
  • Location of the business
  • Insurance limits selected

A small office may have completely different insurance requirements from a large manufacturing company. That is why comparing premiums alone is not always enough. A cheaper policy may have different limits, exclusions or conditions from another option. The goal should be to understand what you are buying, not simply find the lowest price.

Common Mistakes Businesses Make When Buying Insurance

1. Underinsuring Their Business

One of the biggest mistakes is declaring values that are too low. For example, if your stock has increased significantly but your insurance value has not been updated, you may not have sufficient protection. Step by Step Insurance recommends reviewing the replacement or rebuilding value of business property regularly because the value of construction, equipment and stock can change over time.

2. Choosing Insurance Based Only on Price

The cheapest premium is not automatically the best value. Always understand:

  • What is covered
  • What is excluded
  • Policy limits
  • Excesses
  • Important conditions

3. Forgetting to Update Cover

Businesses grow. You may:

  • Hire more employees
  • Buy more equipment
  • Increase stock
  • Open another branch
  • Add company vehicles

Your insurance should be reviewed when these changes happen.

4. Not Understanding the Policy

Insurance documents can sometimes feel complicated. Never assume something is covered simply because it sounds related to your business. Ask questions and understand the policy before purchasing.

Useful Internal Resources

Explore these helpful guides and services from Step by Step Insurance:

Resource Link
Fire Insurance Guide How to Insure Your Business Premises Against Fire in Kenya
Office Insurance Options Top Office Insurance Options in Kenya
Contact / Consultation Request a Consultation
Get a Quote Get a Quote
Call Us +254 (0) 735 626 912 · +254 (0) 716 534 192
WhatsApp 0722 888 350

How Step by Step Insurance Can Help Your Business

At Step by Step Insurance, we believe business insurance should not feel unnecessarily complicated. Whether you run a small biashara, an established SME or a large organisation, we can help you better understand the insurance options available for your business.

We Start by Understanding Your Business

Every business is different. We look at factors such as:

  • Your industry
  • Your operations
  • Your assets
  • Your employees
  • Your existing insurance
  • The risks your business faces

This helps create a clearer picture of the areas that may need protection.

We Help You Explore Relevant Insurance Options

Step by Step Insurance offers access to a range of insurance solutions, including Group Life, Marine Insurance, Commercial Motor and Professional Indemnity, among others. Depending on your needs, we can help you explore cover relating to:

  • Business property
  • Stock
  • Employees
  • Vehicles
  • Professional services
  • Goods in transit
  • Workplace risks

We Help You Understand Your Policy

Buying insurance should not mean signing documents you do not understand. We aim to help explain important details such as:

  • What the policy covers
  • Important exclusions
  • Insurance limits
  • Policy conditions
  • The claims process

Step by Step Insurance also provides claims guidance to help clients understand the process of reporting and following up on an insurance claim.

We Support You as Your Business Grows

Insurance should not be something you buy once and forget forever. As your business changes, your risks can change too. That is why reviewing your cover regularly can help ensure it continues to reflect your business.

Protect Your Business at Every Stage

Whether you are running a small shop, growing an SME or managing a large organisation, you have worked hard to build your business. A fire, burglary, workplace injury, liability claim or major disruption can create serious financial pressure.

The right insurance cannot prevent every unexpected event from happening. But it can help your business prepare for certain financial risks and recover from covered losses.

The most important step is understanding your risks before something goes wrong.

Talk to Step by Step Insurance

Not sure what insurance your business needs? At Step by Step Insurance, we can help you understand the risks facing your business and explore insurance options that fit your operations.

Talk to us today   and take a step towards protecting what you have worked hard to build.

Visit Step by Step Insurance

Disclaimer: Insurance cover is subject to the terms, conditions, limits and exclusions of the specific policy. Always review your policy documents and seek professional guidance before making an insurance decision. The Insurance Regulatory Authority regulates and supervises Kenya’s insurance industry and provides consumer information on licensed entities and insurance services. (IRA)

How to Insure Your Business Premises Against Fire in Kenya

How to Insure Your Business Premises Against Fire in Kenya

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Business Fire Insurance in Kenya | Step by Step Insurance

A fire can happen in minutes, but recovering from the damage can take months or even years. For many businesses in Kenya, a fire could destroy the premises, stock, equipment, furniture, machinery and other valuable assets. The financial impact can be devastating.

That is why having the right business fire insurance in Kenya is an important consideration for business owners.

Key Takeaway: Fire insurance can help protect your business against the financial impact of covered fire damage, but what is covered depends on your policy, sum insured, exclusions and selected extensions.

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What Is Business Fire Insurance?

Business fire insurance is designed to protect your insured business property against financial losses caused by covered fire-related events.

Depending on your policy, you may be able to insure:

  • Commercial buildings
  • Stock and merchandise
  • Machinery and equipment
  • Furniture
  • Computers and office equipment
  • Fixtures and fittings

Some policies can also include additional risks, commonly known as perils, depending on the cover you choose.

Who Needs Fire Insurance in Kenya?

If your business owns or depends on valuable physical property, fire insurance is worth considering.

This may include:

  • Shops and supermarkets
  • Offices
  • Restaurants
  • Warehouses
  • Workshops
  • Manufacturing businesses
  • Schools and institutions
  • Hotels
  • Commercial property owners

Even if you rent your business premises, you may still need to protect your stock, equipment, furniture and other business assets.

What Does Business Fire Insurance Cover?

The exact cover depends on your insurance policy, but business fire insurance may protect insured property such as:

Your Business Premises

This may include the building and permanent fixtures if they are included in your policy.

Stock and Merchandise

Businesses can insure stock, including products and other items that are important to their operations.

Equipment and Machinery

This can include business equipment, machinery, computers and other insured assets.

Furniture and Fixtures

Office furniture, shelves, fittings and other business contents may also be included.

What Other Risks Can Fire and Perils Insurance Cover?

Depending on your policy, you may be able to extend your cover to include other specified risks.

These may include:

  • Explosion
  • Lightning
  • Storm
  • Flood
  • Earthquake
  • Riot and strike
  • Malicious damage

Important: Not every policy automatically covers every risk. Always check what is included, what is excluded and whether you need additional cover.

How to Insure Your Business Premises Against Fire in Kenya

Getting business fire insurance in Kenya does not have to be complicated.

1. Identify What You Need to Insure

Start by listing everything you want to protect. This could include:

  • Your building
  • Stock
  • Equipment
  • Machinery
  • Furniture
  • Computers
  • Fixtures and fittings

2. Calculate the Right Value

Work out how much it would cost to rebuild or replace your business property. Do not simply guess. The cost of construction, equipment and stock can change over time, so your insurance values should be reviewed regularly.

3. Understand Underinsurance

Underinsurance happens when you insure your property for less than its actual replacement or rebuilding value.

For example, imagine your business assets would cost KSh 10 million to replace, but you insure them for only KSh 5 million. Your business is underinsured.

This can affect how much you receive when making a claim, depending on the terms and conditions of your insurance policy. That is why it is important to regularly review your sum insured and make sure it reflects the current value of your business property.

4. Identify the Risks Your Business Faces

Fire may be your main concern, but your business could face other risks as well. Depending on your location and business operations, you may want to consider protection against other specified perils such as flooding, storms, explosions or malicious damage.

5. Compare Your Insurance Options

When comparing fire insurance for businesses in Kenya, don’t look at the premium alone. Also check:

  • What is covered
  • What is excluded
  • Your sum insured
  • The excess payable
  • Available extensions
  • Policy conditions
  • Claims procedures

The cheapest policy is not always the best policy for your business.

6. Keep Your Insurance Updated

Your business may grow over time. You may:

  • Buy new equipment
  • Increase your stock
  • Renovate your premises
  • Expand your operations

When this happens, review your insurance policy and sum insured.

Link Description Action
Fire Perils Guide Detailed guide on fire & perils insurance in Kenya Read
Rejected Claims Why home insurance claims get rejected & how to avoid it Read
Contact / Consultation Request a consultation with our insurance experts Contact
Get a Quote Get a personalized fire insurance quote for your business Quote

How Much Does Business Fire Insurance Cost in Kenya?

There is no single price for business fire insurance in Kenya. The cost can depend on factors such as:

  • Value of your property
  • Type of business
  • Location
  • Building construction
  • Value of stock
  • Value of equipment
  • Fire protection measures
  • Coverage selected
  • Previous claims history

The right premium depends on the specific risks and assets of your business.

What Happens After a Fire at Your Business?

Your first priority should always be the safety of people.

Once it is safe to do so:

  • Contact emergency services where necessary.
  • Notify your insurer as soon as possible.
  • Document the damage with photographs and records.
  • Take reasonable steps to prevent further damage where safe.
  • Keep relevant receipts and documents.
  • Follow the insurer’s claims process.

The outcome of a claim will depend on the terms and conditions of your insurance policy.

Common Business Fire Insurance Mistakes

Avoid these common mistakes:

Underinsurance

Insuring your business property for less than its actual replacement or rebuilding value.

Assuming Everything Is Covered

Never assume every fire-related loss or additional risk is automatically included.

Forgetting Valuable Assets

Stock, machinery, computers and equipment can represent a significant part of your business value.

Choosing Insurance Based Only on Price

A lower premium may come with different limits, exclusions or conditions.

Failing to Update Your Policy

Your insurance should grow with your business.

Ignoring Policy Exclusions

Understanding what is not covered is just as important as understanding what is covered.

Protect Your Business Before You Need the Cover

You don’t buy fire insurance because you expect your business to catch fire. You buy it because one unexpected incident should not wipe out everything you have worked hard to build.

The right business fire insurance in Kenya can help protect your premises, stock and valuable business assets against covered risks.

At Step by Step Insurance, we believe insurance should be easier to understand.

Take time to assess your business risks, understand your assets and choose insurance cover that fits your needs.

Need Help Understanding Business Fire Insurance?

At Step by Step Insurance, we help you understand insurance in simple, practical language so you can make informed decisions about protecting what matters to your business.

Call us: +254 (0) 735 626 912 · +254 (0) 716 534 192
WhatsApp: 0722 888 350
Email: info@stepbystepinsurance.co.ke

Request a Consultation  ·  Get a Quote

External Resources

Insurance Regulatory Authority (IRA) Kenya  · 

Back to Table of Contents  ·  © 2026 Step by Step Insurance

Top Unit Trusts & Money Market Funds in Kenya 2026

Top Unit Trusts & Money Market Funds in Kenya 2026

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Top Unit Trusts & Money Market Funds in Kenya 2025

If you’re looking for a smart way to grow your savings without locking your money away for years, unit trusts – especially Money Market Funds (MMFs) – are worth a serious look. They offer better returns than most bank savings accounts, while still letting you access your cash when life throws a curveball. In Kenya, the unit trust space is buzzing, with rates ranging from single digits to over 15% – and there’s a fund for almost every type of investor.

Why this matters to you

Whether you’re saving for a rainy day, school fees, or just want your money to work harder, these funds give you a sweet spot between safety and growth. The best part? Many have low entry barriers – you can start with as little as KES 500 in some cases.

What’s inside

So, what exactly is a unit trust?

Think of a unit trust as a pool of money from many investors that’s invested in a diversified portfolio of assets – typically short‑term, low‑risk stuff like:

  • Treasury bills (the government’s IOU)
  • Fixed deposits with banks
  • Short‑term corporate bonds
  • Commercial paper (companies borrowing for a few months)
  • Other interest‑earning instruments

They’re perfect if you want to:

  • Keep your capital safe
  • Earn a regular monthly income
  • Have quick access to your money (most funds pay out in 24‑48 hours)
  • Beat inflation (many are returning well above the current rate)

Want to see what your money could grow to? Try our handy MMF calculator – it’s free and takes just a minute.

Money Market Funds in Kenya 2025

How we compiled this list

We’ve taken the latest data straight from the unit trust section – no filter, just the raw numbers. The table below shows every fund, its currency, the daily yield, and the annual rate exactly as reported. We haven’t added any “features” or “best for” because we want you to see the numbers first and decide what matters most to you.

The complete list of unit trusts in Kenya (current rates)

Below is the full list – including Money Market Funds, Fixed Income, Equity, Balanced, and Specialised funds. Rates are as of the latest available data. Note: Some entries show values like 174.37 – these are likely unit prices (NAV) rather than yields, but we’ve kept them exactly as given.

Provider Currency Daily Yield (%) Annual Rate (%)
African Alliance Kenya Money Market FundKES7.60%7.87%
African Alliance Kenya Enhanced FundKES8.68%9.03%
Britam Money Market FundKES9.74%10.23%
Britam Money Market FundUSD4.44%4.54%
Madison Money Market FundKES9.98%10.49%
Madison Fixed Income FundKES10.59%11.17%
Gulfcap Money Market FundKES9.67%10.11%
Gulfcap Fixed Income FundKES9.77%10.16%
Gulfcap Shariah Fixed Income FundKES6.93%7.95%
Globetec Money Market FundKES9.99%10.41%
Globetec Fixed Income FundKES10.69%11.27%
Aba Shilling MMFKES7.17%7.44%
Aba Dollar MMFUSD4.09%4.17%
Old Mutual Money Market FundKES9.82%10.28%
Old Mutual Dollar Money Market FundUSD4.36%4.45%
Etica Money Market FundKES10.01%10.52%
Etica Fixed Income FundKES13.33%14.25%
Etica Money Market FundUSD6.19%6.38%
Co-op Money Market FundKES7.69%7.99%
Co-op Bond FundKES10.52%11.09%
Avocado Money Market FundKES9.98%10.45%
Avocado Alimasi FundKES1.59%1.60%
Mayfair Money Market FundKES7.77%8.08%
Enwealth Money Market FundKES10.13%10.61%
CIC Money Market FundKES8.02%8.32%
CIC Fixed Income FundKES10.07%10.53%
CIC Dollar FundUSD4.02%4.10%
CIC Equity FundKES10.09%9.84%
Equity Money Market FundKES5.11%5.23%
Kuza Money Market FundKES9.93%10.44%
Kuza Money Market FundUSD4.83%4.95%
NCBA Fixed Income FundKES10.54%11.11%
NCBA Dollar Fixed Income FundUSD3.33%3.33%
Orient Kasha Money Market FundKES9.70%10.19%
Jubilee Money Market FundKES9.73%10.18%
Jubilee Money Market FundUSD4.88%5.00%
Lofty-Corbin Money Market FundKES10.06%10.58%
Lofty-Corbin Private Debt Special FundKES14.06%15.09%
Lofty-Corbin Bond FundKES13.44%13.44%
Cytonn Money Market FundKES10.54%11.11%
ICEA LION Money Market FundKES7.72%8.02%
ICEA LION Dollar Fixed Income FundUSD6.55%4.37%
ICEA LION Fixed Income FundKES12.66%13.96%
Britam Special Fixed Income Fund (3 months)KES9.03%9.42%
Britam Special Fixed Income Fund (6 months)KES9.06%9.44%
Britam Special Fixed Income Fund (12 months)KES9.23%9.63%
SanlamAllianz Money Market FundKES9.21%9.64%
SanlamAllianz US Dollar FundUSD5.03%5.16%
Apollo Money Market FundKES8.96%9.37%
CPF MMFKES8.458.82
Genghis Money Market FundKES9.18%9.44%
GenAfrica Money Market FundKES9.56%10.01%
KCB Money Market FundKES9.16%9.15%
KCB Money Market FundUSD4.90%5.01%
KCB Fixed Income FundKES10.25%10.75%
Nabo Africa Fixed Income FundUSD7.78%8.09%
Nabo Africa Money Market FundUSD6.66%6.89%
Nabo Africa Money Market FundKES10.34%10.89%
Dry Associates Money Market FundUSD4.62%4.72%
Dry Associates Money Market FundKES8.70%9.05%
Dry Associates Special High Yield FundKES11.78%12.76%
Faulu Money Market FundKES10.19%10.67%
Zimele Fixed Income FundKES11.13%11.72%
Kuza Fixed Income FundKES10.86%11.47%
CIC Balanced FundKES7.627.45
ICEA LION Equity FundKES174.37174.37
ICEA LION Balanced FundKES142.37142.37
Apollo Balanced FundKES160.49154.07
Equity Balanced FundKES168.95170.38
Zimele Balanced FundKES20.5919.99

What’s happening in the market right now

The unit trust space in Kenya is offering a wide spectrum of returns – from as low as 1.60% (Avocado Alimasi) all the way up to 15.09% (Lofty‑Corban Private Debt Special Fund) and even triple‑digit numbers for equity/balanced funds (which are likely unit prices, not yields). For money market funds, the annual rates are mostly between 7% and 11% for KES, with USD options typically lower (4‑6%).

  • Top yielders: Lofty‑Corban Private Debt (15.09%), Etica Fixed Income (14.25%), ICEA LION Fixed Income (13.96%), and Lofty‑Corban Bond (13.44%).
  • Digital platforms have become the norm – most funds now offer seamless mobile apps and instant deposits.
  • Withdrawal times are generally quick – many pay out within 24 hours.
  • Entry barriers are low: you can start with as little as KES 500 (ICEA LION Money Market) or KES 1,000 (Old Mutual, Britam).

The key is to match the fund to your own goals. If you’re saving for a short‑term goal, you might want a money market fund with quick access and low fees. If you’re chasing yield, the top‑rated fixed income or private debt funds are hard to beat – but remember, higher returns often come with higher risk.

Why these numbers actually matter

Getting started is easier than ever

  • Low minimums mean almost anyone can jump in.
  • Digital platforms make it a breeze to track your money and move it around.

Performance tells a story

  • Consistent returns above the benchmark show good management.
  • Long‑term data helps you spot which funds are steady and which are volatile.

Customer experience is a game‑changer

  • Fast withdrawals mean your money isn’t locked up.
  • Helpful support can save you headaches when you need to act fast.

Extra features add real value

  • Some funds let you use your balance as loan collateral.
  • Multi‑currency options, goal‑tracking, and automated savings are becoming common.

Who should pick which fund – our take

New to investing?

  • Try Old Mutual Money Market or ICEA LION Money Market – they have low minimums and user‑friendly apps.
  • Set up a monthly standing order – even KES 1,000 a month adds up.

Been around the block?

  • Etica Fixed Income and Lofty‑Corban Private Debt are your go‑to for top‑tier returns – but they might have higher risk.
  • Spread your money across two or three funds to manage risk.
  • Check if any offer tax advantages (some bond funds do).

Running a business or managing institutional cash?

  • Cytonn and Gulfcap have strong institutional backing and solid risk controls.
  • Old Mutual also has corporate solutions that might fit your needs.

Curious about the new kid on the block? See our guide on Safaricom’s Ziidi Money Market Fund.

What to look out for before you invest

Track record & consistency

  • How have returns behaved over the last 1‑3 years?
  • Are they beating the average?
  • Risk‑adjusted performance – though that’s a bit technical.

Ease of use

  • Minimum deposit – can you afford to start?
  • Can you top up whenever you want?
  • How quick is withdrawal, and is the app/website smooth?

Fees and hidden costs

  • Management fees (usually a small percentage).
  • Entry or exit charges – some funds have none.
  • Always read the fine print.

Who’s managing your money?

  • Experience of the fund managers matters.
  • Do they have solid risk management and compliance?

Smart tips for getting the most out of your investment

Perfect for short‑term goals

  • Emergency funds – you want quick access.
  • School fees or holiday savings.
  • Business working capital that you might need at short notice.
  • Home improvement projects – earn interest while you plan.

Managing risk like a pro

  • Don’t put all your eggs in one basket – diversify across funds.
  • Check your returns regularly – but don’t panic over daily moves.
  • Keep an eye on economic news – interest rates affect yields.
  • Always keep some cash outside the fund for absolute emergencies.

Wrapping it up

Kenya’s unit trust landscape is packed with opportunity. Whether you’re after the highest yield, the lowest entry point, or a slick digital experience, there’s a fund that fits. Right now, Lofty‑Corban Private Debt leads the pack on returns, but Etica Fixed Income, ICEA LION Fixed Income, and Cytonn are all strong contenders – each with its own edge.

One piece of advice: don’t chase yesterday’s returns. Past performance isn’t a guarantee. Instead, look at the whole picture – fees, accessibility, management – and match it to your personal goals. And if you’re ever unsure, a chat with a licensed financial advisor can save you from costly mistakes.

Ready to start? Many funds let you open an account with as little as KES 500. So why wait? Take that first step today.

Disclaimer: The rates shown are as per the latest data provided. They are subject to change. Always check the current fact sheet before investing.

We’re investment advisors who love helping Kenyans make smarter money moves. But remember, all investments carry risk – do your own homework or talk to a pro.

US$50,000 Kenya Travel Insurance Rule Explained: What Every Visitor Must Know

US$50,000 Kenya Travel Insurance Rule Explained: What Every Visitor Must Know

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Kenya US$50,000 Travel Insurance Requirement 2026 – Step by Step Insurance

Planning to visit Kenya for a holiday, business trip, conference, safari or family visit?

There is an important new requirement you need to know about before you travel.

Kenya has introduced minimum benefit requirements for mandatory inbound travel health insurance, with the cumulative policy benefit required to be at least US$50,000.

But there is an important detail many travellers may miss: US$50,000 does not mean you need to buy a US$50,000 insurance policy or pay US$50,000 for insurance. It refers to the minimum cumulative benefits that qualifying travel health insurance must provide across specified categories.

The requirement is based on Kenya’s Social Health Insurance Act, 2023, which requires a non-Kenyan person intending to enter and remain in Kenya for less than 12 months to possess travel health insurance. Kenya’s Social Health Insurance Regulations, 2024 further require the insurance to cover the person’s entire period of stay and provide specified travel-health benefits.

With new minimum benefit limits now being reported for the mandatory inbound travel health insurance programme, international visitors need to understand what the US$50,000 figure actually means, who the requirement applies to and what they should check before travelling.

Here’s what you need to know.

🔑 Key Takeaway

Kenya now requires US$50,000 cumulative minimum benefits for inbound travel health insurance. This is not the premium you pay — it’s the total of five benefit categories: Medical Expenses (US$20,000), Emergency Medical Transportation (US$25,000), Prescribed Medicines (US$300), Mental Illness (US$1,000), and Repatriation of Mortal Remains (US$5,000). Make sure your policy covers your entire stay and meets these individual limits.

📋 Table of Contents

1. What Is Kenya’s US$50,000 Requirement? 2. Who Needs Travel Insurance? 3. Why Was It Introduced? 4. What Does It Cover? 5. Is US$50,000 the Premium? 6. Does My Existing Policy Qualify? 7. How Long Must Insurance Be Valid? 8. Can I Get It at the Point of Entry? 9. Is It the Same as SHA? 10. Is It the Same as eTA? 11. What Should Visitors Check? 12. Kenya Travel Insurance Checklist 13. What If I Have International Medical Insurance? 14. Travel Insurance for a Kenya Safari 15. Business Travellers 16. Common Questions 17. What Does This Mean for Visitors? 18. Final Word
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What Is Kenya’s US$50,000 Travel Insurance Requirement?

Kenya’s travel health insurance requirement is not entirely new.

The legal foundation dates back to the Social Health Insurance Act, 2023.

Under Section 26(6) of the Act, a non-Kenyan who intends to enter and remain in Kenya for less than 12 months is required to have travel health insurance as designated by the Cabinet Secretary responsible for health.

The Social Health Insurance Regulations, 2024 subsequently provided more detail.

Regulation 70 states that a person travelling into Kenya shall possess travel health insurance. The cover must:

  • Cover the person’s entire period of stay in Kenya.
  • Provide personal accident benefits in qualifying circumstances.
  • Cover emergency medical expenses.
  • Provide emergency medical evacuation.
  • Provide for repatriation of mortal remains.
  • Provide hospital benefits.
  • Provide prescription medicines.

The latest development is the establishment of specific minimum benefit limits for mandatory inbound travel health insurance.

The cumulative minimum is US$50,000.

Benefit Minimum Limit
Medical expenses US$20,000
Emergency medical transportation US$25,000
Prescribed medicines US$300
Mental illness US$1,000
Repatriation of mortal remains US$5,000
Total cumulative minimum US$50,000

Recent reporting on the July 2026 government notice confirms the five-category structure and the US$50,000 cumulative minimum.

The important distinction

The biggest misunderstanding is likely to be this:

US$50,000 is not the medical expenses limit.

The minimum medical-expenses component is US$20,000.

The additional benefits bring the cumulative minimum across the specified categories to US$50,000.

That distinction matters when checking whether an existing travel insurance policy is compliant.

📊 How the US$50,000 Minimum Benefit Breaks Down
Medical expenses
US$20k
40%
Emergency transport
US$25k
50%
Prescribed medicines
US$300
0.6%
Mental illness
US$1k
2%
Repatriation
US$5k
10%
Total: US$50,000

Who Needs Travel Insurance to Enter Kenya?

The law specifically addresses non-Kenyans intending to enter and remain in Kenya for less than 12 months.

This means international visitors planning temporary stays in Kenya should pay close attention to the requirement.

This can include people travelling to Kenya for purposes such as:

  • Tourism and holidays
  • Safari trips
  • Business
  • Conferences and events
  • Visiting family and friends
  • Short-term educational activities
  • Other temporary visits

If you are travelling to Kenya and are unsure whether your circumstances fall under the requirement, it is advisable to confirm the latest government guidance before travelling.

What about Kenyan citizens?

The specific provision in Section 26(6) concerns non-Kenyans entering and remaining in Kenya for less than 12 months.

Therefore, this particular inbound travel-health-insurance requirement should not be confused with ordinary travel insurance that a Kenyan may choose to purchase when travelling abroad. For more on that, see our Travel Insurance Guide for Kenyans Traveling Abroad.

Why Has Kenya Introduced Mandatory Travel Health Insurance?

International travel comes with risks.

A visitor can become ill, experience an accident or require emergency medical transportation while away from home.

For international visitors, the cost of dealing with an unexpected medical emergency can become significant, particularly when hospital treatment, evacuation or repatriation is involved.

Kenya’s regulatory framework therefore provides for travel health insurance as part of the requirements for qualifying visitors.

The 2024 Regulations specifically identify emergency medical expenses, emergency medical evacuation, hospital benefits, prescription medicines and repatriation among the benefits that travel health insurance should provide.

The new minimum benefit structure gives visitors and insurers a clearer financial benchmark for the required cover.

What Does the US$50,000 Kenya Travel Insurance Cover?

This is where the new requirement becomes easier to understand.

Rather than treating US$50,000 as one single pot of money, travellers should look at the individual benefit categories.

1. Medical Expenses — US$20,000

The first major component is US$20,000 for medical expenses.

This is intended to provide financial protection for eligible medical treatment covered under the policy.

Depending on the policy wording, medical expenses can relate to circumstances such as illness, accidents and emergency treatment.

However, travellers should never assume that every medical expense is automatically covered.

Travel insurance policies have:

  • Covered events
  • Benefit limits
  • Exclusions
  • Conditions
  • Deductibles or excesses in some cases
  • Procedures that may require prior approval

Always read the policy terms before travelling.

2. Emergency Medical Transportation — US$25,000

The second component is US$25,000 for emergency medical transportation.

This is particularly important because medical emergencies do not always happen close to a suitable healthcare facility.

A traveller could require urgent transportation to receive appropriate medical care.

Emergency transportation and evacuation can potentially involve significant costs, which is why this category represents the largest individual benefit in the minimum structure.

The Kenyan regulations already identify emergency medical evacuation as a required travel-health-insurance benefit.

3. Prescribed Medicines — US$300

The minimum benefit structure also includes US$300 for prescribed medicines.

This is intended to provide cover for eligible prescribed medication under the applicable policy terms.

Travellers should distinguish prescribed medicines from ordinary purchases and should check the insurer’s conditions regarding eligible prescriptions and claims.

4. Mental Illness — US$1,000

The framework also provides a US$1,000 minimum benefit for mental illness.

This is an important inclusion because travel-health cover is not limited exclusively to physical injuries and illnesses.

However, the US$1,000 figure is a minimum benefit rather than an indication that all mental-health-related expenses will automatically be covered.

The specific policy wording remains important.

5. Repatriation of Mortal Remains — US$5,000

The final component is US$5,000 for repatriation of mortal remains.

This benefit is designed to provide financial assistance with the repatriation process where a covered traveller dies while in Kenya.

It is one of the benefits already identified in Kenya’s Social Health Insurance Regulations.

While nobody wants to think about this possibility when planning a holiday, having appropriate cover can prevent an already difficult situation from creating additional financial pressure for a traveller’s family.

Is US$50,000 the Amount You Pay for Travel Insurance?

No.

This is one of the most important things to understand.

The US$50,000 figure represents the minimum cumulative policy benefit limit across the specified categories.

It is not the price of the insurance policy.

The actual premium a traveller pays will depend on factors such as:

  • Duration of the trip
  • Traveller’s age
  • Destination and activities
  • Level of cover
  • Insurer
  • Policy terms
  • Additional benefits selected

For example, a traveller should not interpret the requirement as:

“I need to spend US$50,000 on travel insurance.”

Instead, the question should be:

“Does my travel insurance provide the required minimum benefits for my stay in Kenya?”

Does My Existing Travel Insurance Qualify?

This is an important question for travellers who already have international travel insurance.

The answer is: It may — but you should check.

Don’t automatically assume that an existing policy qualifies simply because it says “international travel insurance” or has a US$50,000 headline limit.

Look at the individual benefits.

Check whether your policy provides:

  • At least US$20,000 for medical expenses.
  • At least US$25,000 for emergency medical transportation.
  • At least US$300 for prescribed medicines.
  • At least US$1,000 for mental illness.
  • At least US$5,000 for repatriation of mortal remains.
  • Cover for your entire period of stay in Kenya.

The requirement that travel health insurance cover the traveller’s entire period of stay is specifically provided for under Regulation 70 of the Social Health Insurance Regulations.

Don’t just look at the headline number

Imagine a policy advertises: “US$50,000 travel insurance.”

That alone does not tell you whether it matches Kenya’s required benefit structure.

The traveller needs to look at the actual schedule of benefits.

This is why understanding the breakdown is more useful than simply looking for the words “US$50,000.”

How Long Does the Insurance Need to Be Valid?

Your travel health insurance should cover your entire period of stay in Kenya.

This requirement is explicitly stated in Regulation 70 of the Social Health Insurance Regulations, 2024.

So if your trip begins on 10 September and you leave Kenya on 25 September, your insurance should provide the required cover throughout that period.

Don’t leave gaps between your policy’s start and end dates.

Before travelling, check:

  • Policy start date: When does your cover begin?
  • Policy end date: When does your cover end?
  • Destination: Does the policy specifically cover Kenya?
  • Benefits: Do the limits meet the applicable Kenyan requirements?

Can You Get Travel Insurance at the Kenyan Point of Entry?

Interestingly, Kenya’s 2024 regulations state that a person travelling into Kenya may obtain travel health insurance at the point of entry.

However, the same regulation makes clear that the Social Health Authority itself does not provide travel health insurance covers for Kenyans or non-Kenyans.

For travellers, the practical approach is still to arrange and verify suitable cover before departure where possible.

Why? Because it gives you time to:

  • Read the policy.
  • Confirm the benefit limits.
  • Check the dates.
  • Keep your certificate of insurance.
  • Resolve questions with the insurer before your journey.

Waiting until an airport or border crossing to discover that your policy does not meet the applicable requirements could create unnecessary uncertainty.

Is Travel Insurance the Same as SHA?

No.

This is another important distinction.

Kenya’s Social Health Authority (SHA) is part of Kenya’s domestic social health insurance system.

The inbound travel health insurance requirement is specifically concerned with people travelling into Kenya.

The Social Health Insurance Act creates the legal requirement for qualifying non-Kenyans staying in Kenya for less than 12 months to have travel health insurance.

Therefore, visitors should not assume that simply having access to healthcare arrangements in Kenya automatically means they have satisfied the inbound travel-health-insurance requirement.

Is Travel Insurance the Same as Kenya’s eTA?

No.

Your travel insurance and your Electronic Travel Authorisation (eTA) serve different purposes.

The eTA relates to Kenya’s immigration and travel-authorisation process.

Travel health insurance relates to medical and related financial protection.

A traveller should therefore treat them as separate items on their pre-travel checklist.

Think of it this way:

  • eTA: “Am I authorised to travel to Kenya?”
  • Travel insurance: “Do I have the required financial protection for medical and related emergencies during my stay?”

Depending on your nationality and circumstances, you may also need to meet other entry, immigration or health requirements.

What Should Visitors Check Before Travelling to Kenya?

If you’re travelling to Kenya, don’t wait until the last minute.

Before departure, check:

  1. Your passport — Make sure your travel document meets the applicable Kenyan entry requirements.
  2. Your travel authorisation — Confirm whether you need an eTA or another form of immigration authorisation.
  3. Your travel insurance — Confirm that your policy meets the applicable Kenyan travel-health-insurance requirements.
  4. Your benefit limits — Check the individual limits rather than just the overall policy amount.
  5. Your policy dates — Make sure your insurance covers the entire stay.
  6. Your insurance certificate — Keep a digital and accessible copy of your insurance documentation.
  7. Policy exclusions — Read the exclusions and conditions so you understand what your insurance does and does not cover.
  8. Emergency assistance details — Keep your insurer’s emergency contact information easily accessible during your trip.

Kenya Travel Insurance Checklist for Visitors

Before boarding your flight, make sure you have considered the following:

  • ✅ Confirm whether you require a Kenyan eTA.
  • ✅ Confirm your passport meets the applicable entry requirements.
  • ✅ Arrange travel health insurance.
  • ✅ Confirm that your insurance covers your entire stay.
  • ✅ Check the medical-expenses limit.
  • ✅ Check the emergency medical transportation/evacuation limit.
  • ✅ Check prescribed-medicine benefits.
  • ✅ Check mental-health benefits.
  • ✅ Check repatriation benefits.
  • ✅ Save your insurance certificate.
  • ✅ Save your insurer’s emergency assistance contacts.
  • ✅ Check the latest Kenyan government guidance before departure.

What If I Already Have International Medical Insurance?

Having international medical insurance can be helpful, but it is important to distinguish between having insurance and having insurance that satisfies the applicable Kenyan requirement.

Ask your insurer for confirmation of:

“Does my policy meet Kenya’s mandatory inbound travel health insurance requirements?”

Also request documentation showing the applicable benefit limits.

This is particularly useful if your policy has a complicated benefits schedule or uses different limits for different countries and regions.

What Should Tourists Know About Travel Insurance for a Kenya Safari?

Kenya is famous for destinations such as the Maasai Mara, Amboseli, Tsavo and the Kenyan coast.

Travelling outside major urban centres can make emergency planning particularly important.

If you are planning a safari or other activities away from major towns, pay particular attention to:

  • Emergency medical transportation
  • Medical evacuation
  • Hospital treatment
  • Emergency assistance
  • Accident cover
  • Policy exclusions relating to activities

A policy should be evaluated based on your actual itinerary and activities rather than simply its headline price.

Learn more about Travel Insurance Benefits in Kenya and what to look for.

What About Business Travellers Visiting Kenya?

The requirement is also relevant to people travelling to Kenya for business or professional purposes.

Companies sending employees or representatives to Kenya should consider reviewing their corporate travel insurance arrangements.

Before an employee travels, the company should confirm:

  • The employee is covered for Kenya.
  • The policy covers the full duration of the trip.
  • The required benefit limits are met.
  • Emergency medical transportation is included.
  • The employee has access to emergency assistance.
  • The insurance documentation is readily available.

This can be particularly important for companies that regularly send staff across multiple countries.

Common Questions About Kenya’s US$50,000 Travel Insurance Requirement

Do I need US$50,000 in cash to enter Kenya?
No. The US$50,000 figure refers to the cumulative minimum insurance benefit structure. It is not an amount you need to carry in cash.

Do I have to pay US$50,000 for travel insurance?
No. US$50,000 is the cumulative minimum benefit limit, not the insurance premium.

Is the medical insurance limit US$50,000?
No. The minimum medical-expenses component is US$20,000. Other specified benefits make up the remaining amount of the cumulative US$50,000 requirement.

Does travel insurance have to cover my whole trip?
Yes. Kenya’s Social Health Insurance Regulations state that the travel health insurance should cover the person’s entire period of stay in Kenya.

Can I use my existing travel insurance?
Potentially. However, you should verify that your existing policy meets the applicable Kenyan benefit requirements rather than assuming it qualifies.

Does travel insurance cover every medical expense?
No. Insurance policies contain exclusions, conditions and benefit limits. Always check the policy wording before purchasing or relying on a policy.

Is the US$50,000 requirement the same as SHA?
No. The inbound travel health insurance requirement is separate from Kenya’s domestic social health insurance system.

Can I buy travel insurance when I arrive in Kenya?
The 2024 regulations state that a person travelling into Kenya may obtain travel health insurance at the point of entry. However, arranging appropriate cover before departure gives travellers an opportunity to confirm that their policy meets the applicable requirements.

Do I need travel insurance if I am only visiting Kenya for a few days?
The legal requirement is based on being a non-Kenyan intending to enter and remain in Kenya for less than 12 months; it does not say that short tourist visits are automatically excluded. Travellers should therefore check the latest applicable requirements rather than assuming that a short trip means insurance is unnecessary.

What Does This Mean for People Planning to Visit Kenya?

The biggest takeaway is simple:

Travel insurance is becoming an important part of the Kenya travel checklist for international visitors.

But don’t get caught up only in the headline figure of US$50,000.

What matters is understanding the individual benefits behind that figure.

A qualifying policy needs to be considered against the required structure, including:

  • US$20,000 — Medical expenses
  • US$25,000 — Emergency medical transportation
  • US$300 — Prescribed medicines
  • US$1,000 — Mental illness
  • US$5,000 — Repatriation of mortal remains
  • US$50,000 — Minimum cumulative benefit

The underlying Kenyan regulations already require travel health insurance for people travelling into Kenya and specify that the cover should extend across the traveller’s entire stay.

🔗 Useful Resources

Explore these related articles to better understand your travel insurance options for Kenya:

Resource Link
Travel Insurance Benefits in Kenya Read more →
Travel Insurance Guide for Kenyans Traveling Abroad Read more →
Mandatory Inbound Travel Health Insurance Kenya 2026 Read more →

Final Word: Don’t Let Insurance Be an Afterthought

Planning a trip to Kenya is exciting.

Whether you’re coming for a safari, a business meeting, a family visit, a conference or a holiday on the coast, the last thing you want is to discover a gap in your insurance when you need help.

The new US$50,000 minimum cumulative benefit requirement makes it more important for international visitors to understand their travel insurance before they arrive.

And remember: US$50,000 is not the amount you pay for the policy.

It is the cumulative minimum benefit structure covering specific areas of medical and emergency protection.

Before travelling, check your policy carefully, make sure it covers your entire stay and confirm that the benefits meet the applicable Kenyan requirements.

If you are unsure whether your current travel insurance provides the protection you need, getting professional guidance before your journey can help you travel with greater confidence.

Planning a trip to Kenya?

Step by Step Insurance can help you understand your travel insurance options and choose cover suited to your journey.

Speak to the Step by Step Insurance team before you travel and make sure your insurance is one thing you don’t have to worry about once you arrive in Kenya.

📞 +254 (0) 735 626 912
📞 +254 (0) 716 534 192
💬 0722 888 350
📄 Get a Quote ✉️ Contact Us

Important Note: Kenya’s inbound travel health insurance framework is a developing regulatory area. The Social Health Insurance Act establishes the requirement, while the 2024 Regulations set out the required nature and duration of travel health cover.

Travellers should check the latest official Kenyan government guidance before departure, particularly regarding the practical process for verifying or presenting proof of compliant insurance.

This article is provided for general information and should not be treated as legal or immigration advice.

External resources: Travel Insurance Benefits · Guide for Kenyans Abroad · Mandatory Inbound Insurance · Contact · Get a Quote

SHA Top-Up Cover in Kenya (2026): Complete Guide to Benefits, Premiums, Eligibility & How to Apply

SHA Top-Up Cover in Kenya (2026): Complete Guide to Benefits, Premiums, Eligibility & How to Apply

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SHA Top-Up Cover Guide | Step by Step Insurance

Kenya’s healthcare landscape has undergone significant transformation with the introduction of the Social Health Authority (SHA). While SHA provides essential healthcare benefits for registered contributors, many individuals and families are looking for additional protection that goes beyond the standard package. This is where the SHA Top-Up Cover comes in.

Designed to complement—not replace—your existing SHA membership, the SHA Top-Up Cover provides enhanced access to healthcare services, higher benefit limits, and additional medical benefits that help reduce out-of-pocket medical expenses. Whether you’re an individual, a family, or an employer seeking comprehensive healthcare protection, the SHA Top-Up Cover offers flexible options tailored to different needs and budgets.

At Step by Step Insurance, we understand that choosing the right medical insurance can feel overwhelming. Our role is to simplify the process by helping you compare plans, understand your benefits, and select a package that aligns with your healthcare needs and financial goals.

In this guide, we’ll explain everything you need to know about the SHA Top-Up Cover, including how it works, who qualifies, the available plans, premiums, benefits, and how you can enrol.

Key Takeaway

The SHA Top-Up Cover enhances your existing SHA membership by providing higher benefit limits, broader coverage (including dental, optical, maternity, and wellness), and access to an extensive network of healthcare providers across Kenya. It is available in four flexible plans—Bronze, Silver, Gold, and Platinum—so you can choose the level of protection that best fits your needs and budget.

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What is the SHA Top-Up Cover?

The SHA Top-Up Cover is a supplementary medical insurance plan that enhances the healthcare benefits offered under Kenya’s Social Health Authority (SHA).

Rather than replacing your SHA membership, the cover works alongside it by providing access to additional healthcare services, increased benefit limits, and broader medical coverage that may not be fully available under the standard SHA package.

Think of it as upgrading your healthcare protection.

While SHA continues to provide essential healthcare services, the Top-Up Cover gives members greater financial security when faced with more expensive medical treatments, specialist consultations, advanced diagnostic procedures, and hospitalization.

Depending on the plan you choose, members can enjoy benefits such as:

  • Enhanced inpatient cover
  • Comprehensive outpatient services
  • Dental and optical benefits
  • Maternity benefits
  • Annual medical check-ups
  • Wellness programmes
  • Telemedicine consultations
  • Second medical opinions
  • Super specialist referrals
  • Access to Tier 3 healthcare providers
  • Hospitalization for major procedures including MRI and CT scans

This makes the SHA Top-Up Cover an ideal solution for individuals and families who want additional peace of mind without replacing their existing SHA benefits.

Learn more about frequently asked questions on SHA for additional context.

How Does the SHA Top-Up Cover Work?

The SHA Top-Up Cover operates as an enhancement to your existing SHA membership.

To qualify, you must first be an active contributor to the Social Health Authority. Once enrolled, your chosen Top-Up plan extends your healthcare benefits according to the selected package—Bronze, Silver, Gold, or Platinum.

When you require medical treatment, your SHA benefits continue to apply first. The Top-Up Cover then provides the additional benefits and higher limits available under your selected plan, helping to minimize your out-of-pocket healthcare expenses.

This structure enables members to access more comprehensive healthcare while maintaining compliance with Kenya’s national health insurance framework.

Who Can Apply for the SHA Top-Up Cover?

The SHA Top-Up Cover is designed for a broad range of individuals and families, provided they meet the eligibility requirements.

According to the product brochure, applicants must have an active SHA account and be actively contributing to the Social Health Authority before enrolling in the Top-Up Cover.

The cover is suitable for:

  • Individual adults
  • Married couples
  • Families
  • Groups
  • Employers seeking staff medical benefits

The policy can cover:

  • Principal member
  • Spouse
  • Up to four dependent children

Age Eligibility

The brochure specifies the following eligibility:

CategoryEligibility
Adults18 to 75 years
ChildrenBirth to 18 years

Some applicants—particularly older individuals—may be required to undergo medical assessment depending on the underwriting requirements outlined in the policy.

Why Consider an SHA Top-Up Cover?

Medical emergencies are often unexpected, and healthcare costs can rise quickly when specialized treatment, hospitalization, or advanced diagnostic procedures are required.

While SHA provides an important healthcare safety net, many individuals prefer additional protection that offers wider access and higher benefit limits.

An SHA Top-Up Cover can help you:

Reduce Unexpected Medical Expenses

Major illnesses and hospital admissions can result in significant healthcare costs. A Top-Up Cover provides additional financial support beyond your SHA benefits.

Access Specialized Medical Care

Members can access Tier 3 healthcare providers, specialist referrals, telemedicine services, and second medical opinions where applicable under their chosen package.

Protect Your Family

Healthcare becomes even more important when you have dependents. The Top-Up Cover allows you to extend protection to your spouse and eligible children under one policy.

Enjoy Preventive Healthcare

Beyond treating illness, the cover also promotes wellness through benefits such as annual medical check-ups (available on selected plans), wellness programmes, and preventive healthcare services.

Gain Greater Peace of Mind

Knowing that you have enhanced medical protection allows you to focus on your health and recovery instead of worrying about large medical bills.

Key Benefits of the SHA Top-Up Cover

One of the biggest advantages of the SHA Top-Up Cover is its broad range of healthcare benefits designed to complement your existing SHA membership.

Depending on the plan selected, members may enjoy benefits across several healthcare categories.

Enhanced Inpatient Care

Hospital admissions often involve some of the highest healthcare costs. The SHA Top-Up Cover provides enhanced inpatient benefits that help members access quality medical treatment with greater financial support.

Depending on your selected package, inpatient benefits include hospital admission, surgical procedures, intensive care where applicable, specialist treatment, advanced imaging services such as MRI and CT scans, and rehabilitation support as outlined in the benefit schedule.

Comprehensive Outpatient Services

The Top-Up Cover also strengthens outpatient care by providing benefits for consultations, diagnostic tests, prescribed medication, and ongoing treatment for eligible medical conditions within the limits of your chosen plan.

Comprehensive Outpatient Benefits

The SHA Top-Up Cover is designed to strengthen everyday healthcare by enhancing outpatient services beyond the standard SHA benefits. This means members can access quality medical care for routine illnesses, chronic disease management, and preventive healthcare without waiting until hospitalization becomes necessary.

Depending on your selected plan, outpatient benefits may include:

  • Doctor consultations
  • Specialist consultations
  • Laboratory investigations
  • Diagnostic tests
  • Prescribed medication
  • Chronic disease management
  • Physiotherapy
  • Minor medical procedures

These benefits help ensure members receive timely treatment, reducing the likelihood of medical conditions becoming more serious or expensive to manage. The exact limits available depend on whether you choose the Bronze, Silver, Gold, or Platinum package.

Maternity Benefits

Starting or growing a family comes with significant healthcare expenses. The SHA Top-Up Cover includes maternity benefits across eligible plans, providing additional financial support for expectant mothers.

Depending on the package selected, maternity benefits may cover:

  • Antenatal care
  • Normal delivery
  • Caesarean section
  • Postnatal care
  • Hospital admission for childbirth
  • Mother and baby healthcare

These benefits provide reassurance for families by reducing the financial burden associated with pregnancy and childbirth. However, maternity benefits are subject to specified waiting periods outlined in the policy terms.

Dental Benefits

Oral health is an important part of overall wellbeing, yet many standard health plans provide limited dental care.

The SHA Top-Up Cover includes dental benefits that can assist members with eligible routine dental services, subject to the benefit limits of their chosen package.

Depending on the plan, dental benefits may include:

  • Dental consultations
  • Tooth extractions
  • Fillings
  • Scaling and polishing
  • Other eligible dental procedures

The annual dental limit increases as you move from Bronze to Platinum, allowing members to choose a plan that matches their anticipated healthcare needs.

Optical Benefits

Good vision is essential for work, education, and everyday life.

The SHA Top-Up Cover provides optical benefits that support routine eye care and vision correction, helping members maintain healthy eyesight without bearing the full cost of treatment.

Eligible optical benefits may include:

  • Eye examinations
  • Prescription lenses
  • Spectacles
  • Frames
  • Other approved optical services

As with other benefits, the available annual limit depends on the selected package.

Wellness and Preventive Healthcare

One of the standout features of the SHA Top-Up Cover is its emphasis on preventive healthcare rather than simply treating illness.

Selected plans include additional wellness benefits such as:

  • Annual medical check-ups
  • Wellness programmes
  • Baby wellness services
  • Telemedicine consultations
  • Second medical opinions
  • Super specialist referrals

These services encourage early detection of health conditions, support healthier lifestyles, and improve long-term health outcomes. Annual medical check-ups are available on selected plans as outlined in the product brochure.

SHA Top-Up Plans Compared

The SHA Top-Up Cover is available in four flexible plans, allowing members to choose a package that aligns with their healthcare needs and budget.

Bronze Plan

The Bronze Plan is designed for individuals seeking affordable supplementary medical protection. It provides enhanced inpatient and outpatient benefits while introducing dental and optical cover at entry-level limits.

Best suited for:

  • Young professionals
  • First-time medical insurance buyers
  • Individuals looking for affordable healthcare enhancement

Silver Plan

The Silver Plan builds on the Bronze package by increasing benefit limits and expanding access to healthcare services.

It is ideal for individuals and young families seeking stronger protection against unexpected medical expenses.

Best suited for:

  • Young families
  • Couples
  • Growing households

Gold Plan

The Gold Plan offers significantly higher benefit limits together with additional wellness features, making it an excellent option for professionals and families seeking comprehensive healthcare coverage.

Additional benefits available on higher-tier plans include annual medical check-ups and enhanced financial protection.

Best suited for:

  • Professionals
  • Established families
  • Business owners

Platinum Plan

The Platinum Plan provides the highest level of protection available under the SHA Top-Up Cover.

It offers the most comprehensive benefit limits and is designed for individuals and families who want maximum financial protection against serious medical expenses.

Best suited for:

  • Executives
  • High-income earners
  • Families seeking premium healthcare protection

SHA Top-Up Plan Comparison

The SHA Top-Up Cover is offered in four tiers, with each successive plan providing higher benefit limits and broader coverage. The official benefit schedule compares the plans across key areas including:

Benefit Category Bronze Silver Gold Platinum
Inpatient Benefits✔✔✔✔
Outpatient Benefits✔✔✔✔
Dental Benefits✔✔✔✔
Optical Benefits✔✔✔✔
Maternity Benefits✔✔✔✔
Oncology Benefits✔✔✔✔
ICU Benefits✔✔✔✔
Overseas Referral✔✔✔✔
Rehabilitation✔✔✔✔
Telemedicine✔✔✔✔
Second Medical Opinion✔✔✔✔
Annual Medical Check-up*——✔✔
Last Expense Benefit*——✔✔
Death Benefit*——✔✔

Available on selected plans as indicated in the official benefit schedule. For the exact monetary limits applicable to each benefit, refer to the brochure or speak with a Step by Step Insurance advisor.

Extensive Hospital and Healthcare Provider Network

One of the biggest strengths of the SHA Top-Up Cover is access to a wide panel of accredited healthcare providers across Kenya.

Members can receive treatment at participating:

  • National referral hospitals
  • County referral hospitals
  • Private hospitals
  • Mission hospitals
  • Specialist clinics
  • Dental clinics
  • Optical centres

The provider network spans counties throughout Kenya—including Nairobi, Kiambu, Machakos, Kajiado, Mombasa, Kisumu, Nakuru, Meru, Kakamega, Kisii, Embu, Kilifi, Kitui, Garissa, Bungoma, Kericho, Migori, and many more—giving members access to healthcare services close to where they live or work.

This extensive nationwide network helps ensure that members can access outpatient care, inpatient treatment, maternity services, dental care, and optical services from approved facilities across the country.

SHA Top-Up Premiums (2026)

The SHA Top-Up Cover offers four flexible plans to cater to different healthcare needs and budgets. Annual premiums vary depending on the plan selected and whether you are enrolling as an individual, spouse, or family.

The official brochure provides annual premiums for:

  • Principal member
  • Spouse
  • Child
  • Family examples (Principal + Spouse + Children)

Premiums are payable annually and are exclusive of the applicable statutory levy and stamp duty, as indicated in the product brochure.

Need help choosing the most cost-effective plan? At Step by Step Insurance, we compare the available packages with your healthcare needs and budget to help you select the right option without paying for benefits you may not require.

Waiting Periods You Should Know

Like most medical insurance products, the SHA Top-Up Cover has waiting periods for certain conditions and benefits. These waiting periods help ensure the sustainability of the insurance scheme and prevent members from enrolling only when they anticipate immediate treatment.

Some of the waiting periods outlined in the policy include:

  • Pre-existing medical conditions
  • Maternity benefits
  • Oncology treatment
  • Knee replacement procedures

The specific waiting periods vary depending on the benefit and are detailed in the official policy documentation. It is important to understand these timelines before enrolling so you know when particular benefits become available.

Why waiting periods matter

Waiting periods are common in medical insurance and should not discourage you from taking cover. Instead, they encourage members to enroll before they need treatment, ensuring continuous access to enhanced healthcare when the need arises.

What Isn’t Covered?

While the SHA Top-Up Cover provides comprehensive medical protection, there are certain exclusions that members should be aware of.

Some of the exclusions highlighted in the policy include:

  • Cosmetic procedures not deemed medically necessary
  • Experimental or unproven treatments
  • Certain fertility treatments except where specifically covered
  • Self-inflicted injuries
  • Participation in hazardous or extreme sports
  • Other exclusions outlined in the policy wording

Because exclusions form an important part of every insurance contract, members are encouraged to review the policy document carefully before purchasing cover. Step by Step Insurance can help explain these terms in simple language so you fully understand your benefits.

How to Apply for the SHA Top-Up Cover

Applying for the SHA Top-Up Cover is straightforward, provided you already have an active Social Health Authority (SHA) account.

Step 1: Register with SHA

Before purchasing the Top-Up Cover, you must be registered with the Social Health Authority and actively making your required contributions.

Step 2: Choose Your Preferred Plan

Select the plan that best matches your healthcare needs:

  • Bronze
  • Silver
  • Gold
  • Platinum

If you’re unsure which plan is right for you, a licensed insurance advisor can help you compare the available options.

Step 3: Complete Your Application

Submit the required application documents and provide any information requested by the insurer.

For some applicants, particularly older members, additional medical underwriting or health assessments may be required.

Step 4: Receive Policy Confirmation

Once your application has been approved and payment has been processed, your SHA Top-Up Cover becomes active according to the policy terms and applicable waiting periods.

How Step by Step Insurance Can Help

Choosing the right medical insurance isn’t just about comparing prices—it’s about understanding which plan will provide the protection you and your family need when it matters most.

At Step by Step Insurance, we make the process simple, transparent, and stress-free.

Expert Advice

Our experienced insurance advisors take time to understand your healthcare needs, family situation, and budget before recommending the most suitable SHA Top-Up plan.

Personalized Plan Comparison

Instead of leaving you to interpret complex benefit schedules on your own, we explain the differences between the Bronze, Silver, Gold, and Platinum plans in plain language so you can make an informed decision.

Seamless Application Support

From completing application forms to ensuring all required documentation is submitted correctly, we guide you through every stage of the enrolment process.

Ongoing Customer Support

Our relationship doesn’t end once your policy is issued. We continue supporting you with:

  • Policy renewals
  • Benefit clarification
  • Claims guidance
  • Policy amendments
  • General customer support

Trusted Insurance Partner

As a licensed insurance agency, Step by Step Insurance is committed to helping individuals, families, and businesses access quality insurance solutions backed by professional advice and exceptional customer service.

Whether you’re buying medical insurance for the first time or upgrading your existing healthcare protection, we’re here to help you every step of the way.

Read more about how to balance SHA and private cover without overpaying for additional insights.

Frequently Asked Questions (FAQs)

Is the SHA Top-Up Cover the same as SHA?

No. The SHA Top-Up Cover is a supplementary medical insurance product that enhances your existing SHA benefits. It does not replace your SHA membership.

Who qualifies for the SHA Top-Up Cover?

Anyone with an active SHA account who is actively contributing and meets the product’s eligibility requirements may apply.

Can I cover my spouse and children?

Yes. Eligible policies can include the principal member, spouse, and up to four dependent children, subject to the policy terms.

Which hospitals can I use?

Members have access to a broad panel of accredited hospitals, mission hospitals, county referral hospitals, private hospitals, dental clinics, and optical centres located across Kenya.

Are there different plans?

Yes. The SHA Top-Up Cover is available in four plans:

  • Bronze
  • Silver
  • Gold
  • Platinum

Each plan offers different benefit limits and additional features.

Are waiting periods applicable?

Yes. Certain benefits, such as maternity, oncology treatment, pre-existing conditions, and selected procedures, are subject to waiting periods as specified in the policy.

Can employers purchase SHA Top-Up Cover for employees?

Yes. The product is suitable for both individual members and employer-sponsored group medical schemes, subject to the insurer’s underwriting guidelines.

For more details, check out our comprehensive SHA FAQ page.

Conclusion

The SHA Top-Up Cover is an excellent solution for individuals, families, and employers seeking enhanced healthcare protection beyond the standard benefits offered by Kenya’s Social Health Authority.

With four flexible plans, access to an extensive network of accredited healthcare providers across the country, enhanced inpatient and outpatient benefits, dental and optical care, maternity cover, wellness services, and specialist support, the SHA Top-Up Cover provides valuable financial protection against the rising cost of healthcare.

Choosing the right plan is an important decision, and having expert guidance can make all the difference.

Get Expert Advice from Step by Step Insurance

Whether you’re looking for affordable medical protection for yourself, comprehensive family healthcare, or a group medical solution for your employees, Step by Step Insurance is here to help.

Our experienced advisors will:

  • Explain each SHA Top-Up plan in detail.
  • Compare benefits based on your healthcare needs.
  • Help you complete your application correctly.
  • Support you throughout your policy term.
  • Assist with claims and renewals whenever you need us.

Contact Step by Step Insurance today for a free consultation and personalized quotation, and let us help you choose the SHA Top-Up Cover that gives you confidence, peace of mind, and access to quality healthcare when it matters most.

+254 (0) 735 626 912 +254 (0) 716 534 192 0722 888 350 Contact Us Get a Quote

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New Mandatory Inbound Travel Health Insurance in Kenya (2026): Everything Travelers Need to Know

New Mandatory Inbound Travel Health Insurance in Kenya (2026): Everything Travelers Need to Know

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Planning a trip to Kenya? There is an important new requirement that every international traveler should be aware of. The Government of Kenya has officially gazetted mandatory minimum benefit limits for inbound travel health insurance, setting a new standard for medical coverage for visitors entering the country. The regulations aim to ensure that all eligible travelers have adequate protection against unexpected medical emergencies while in Kenya.

If you’re visiting Kenya for business, tourism, education, or any other eligible purpose, understanding these new requirements can help you avoid complications and travel with confidence. In this guide, Step by Step Insurance explains everything you need to know about Kenya’s new inbound travel health insurance regulations, the required benefits, and how to choose the right policy.

Key Takeaways

  • Kenya has gazetted mandatory minimum benefits for inbound travel health insurance under Gazette Notice No. 11492 (30th July 2026).
  • Every qualifying policy must provide a minimum total benefit limit of USD 50,000.
  • Required benefits include medical expenses, emergency medical transportation, prescribed medicines, mental illness treatment, and repatriation of mortal remains.
  • The rules apply to tourists, business travelers, students, delegates, and other eligible foreign nationals entering Kenya.
  • Step by Step Insurance can help travelers find a compliant, licensed policy that matches their trip and budget.
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What Is Mandatory Inbound Travel Health Insurance?

Inbound travel health insurance is a specialized insurance policy designed to protect international visitors during their stay in Kenya. Unlike standard medical insurance, travel health insurance focuses on unexpected events that may occur while travelling, including:

  • Emergency medical treatment
  • Hospitalization
  • Medical evacuation
  • Prescription medication
  • Repatriation services

The Government has now established minimum benefits that every qualifying policy must provide to ensure visitors receive adequate healthcare protection. For a broader overview, see this guide to travel insurance benefits in Kenya.

Kenya Gazette Introduces New Minimum Travel Insurance Benefits

The new requirements were published under Kenya Gazette Notice No. 11492 on 30th July 2026. The regulations were issued pursuant to:

  • The Social Health Insurance Act, 2023 (No. 16 of 2023)
  • The Social Health Insurance Regulations, 2024 (L.N. No. 49 of 2024)

According to the Gazette Notice, the Cabinet Secretary for Health has prescribed the minimum policy benefits that every mandatory inbound travel health insurance policy must provide. One of the key requirements is that the total policy benefit limit must not be less than USD 50,000. This establishes a national minimum standard while allowing insurers to offer higher levels of protection where appropriate.

Who Needs Inbound Travel Health Insurance?

The regulations primarily affect international visitors entering Kenya, including:

  • Tourists
  • Business travelers
  • International students
  • Conference delegates
  • Foreign professionals
  • Visiting researchers
  • Other eligible foreign nationals

Travelers should confirm the latest immigration and travel requirements before departure, as specific implementation procedures may vary depending on nationality or visa category. Kenyans travelling abroad have similar considerations — see this travel insurance guide for Kenyans travelling abroad.

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Minimum Benefits Required Under the New Regulations

Every mandatory inbound travel health insurance policy must include at least the following benefits:

🛡️ Minimum Required Policy Benefits
Policy BenefitMinimum Cover (USD)
⚕️Medical Expenses$20,000
🚑Emergency Medical Transportation$25,000
💊Prescribed Medicines$300
🧠Mental Illness Treatment$1,000
✈️Repatriation of Mortal Remains$5,000
Minimum Total Policy LimitUSD 50,000

These are statutory minimums. Many insurers may offer broader protection through enhanced travel insurance packages.

Understanding Each Required Benefit

1. Medical Expenses – USD 20,000

Medical emergencies can happen without warning, whether from illness, accidents, or unexpected complications. This benefit helps cover:

  • Hospital admissions
  • Emergency treatment
  • Surgical procedures
  • Diagnostic tests
  • Physician consultations

Having adequate medical cover protects travelers from significant out-of-pocket healthcare expenses.

2. Emergency Medical Transportation – USD 25,000

Medical transportation is often one of the most expensive components of emergency healthcare. Coverage may include:

  • Ground ambulance services
  • Emergency transfers between hospitals
  • Air ambulance services where medically necessary
  • Medical evacuation to an appropriate healthcare facility

This benefit ensures travelers can access specialized treatment quickly when needed.

3. Prescribed Medicines – USD 300

Following medical treatment, travelers may require prescribed medications. This benefit helps pay for approved prescription medicines recommended by a licensed healthcare provider during the insured trip.

4. Mental Illness Treatment – USD 1,000

Mental health is increasingly recognized as an essential component of overall healthcare. The regulations require policies to provide a minimum level of cover for eligible mental health treatment, offering travelers access to necessary care during their stay.

5. Repatriation of Mortal Remains – USD 5,000

Although it is a difficult subject, repatriation coverage provides financial assistance if a traveler passes away during their visit. The benefit helps cover costs associated with transporting the deceased back to their home country, easing the financial burden on grieving families.

Why Did Kenya Introduce These Regulations?

The Government’s objective is to strengthen healthcare protection for international visitors while promoting responsible travel. The regulations help to:

  • Ensure visitors have access to emergency healthcare.
  • Reduce financial risks associated with unexpected illnesses.
  • Support hospitals and healthcare providers.
  • Standardize minimum insurance benefits across the industry.
  • Enhance confidence among international travelers.

These measures align Kenya with international best practices adopted by many countries that require inbound travel medical insurance.

How These Changes Benefit Travelers

Although mandatory insurance represents an additional travel requirement, it offers several advantages.

Greater Peace of Mind

Travelers can enjoy their visit knowing they have financial protection against medical emergencies.

Faster Access to Healthcare

Insurance enables quicker access to private hospitals and specialist care where covered.

Reduced Financial Burden

Unexpected medical treatment abroad can be expensive. Insurance helps absorb these costs.

Compliance with Kenyan Regulations

Purchasing a compliant policy helps travelers meet applicable entry requirements and avoid unnecessary complications.

What Travelers Should Look For Before Buying a Policy

Before purchasing travel health insurance, verify that your policy:

  • ✔ Meets the minimum USD 50,000 coverage requirement.
  • ✔ Includes emergency medical transportation.
  • ✔ Covers hospitalization and emergency treatment.
  • ✔ Includes prescribed medicines.
  • ✔ Provides repatriation benefits.
  • ✔ Is issued by a licensed insurer recognized under Kenyan law.
  • ✔ Covers the entire duration of your stay.

If you’re unsure whether a policy meets the latest requirements, consult a licensed insurance advisor before traveling.

Useful Resources

For travelers comparing options, our guide on the top 5 cheapest travel insurance providers in Kenya can help you weigh affordability against the new statutory minimums.

Why Choose Step by Step Insurance?

At Step by Step Insurance, we make purchasing travel insurance simple, transparent, and stress-free. Our team helps travelers find policies that comply with Kenya’s latest inbound travel insurance regulations while matching their travel needs and budget.

When you work with us, you benefit from:

  • Access to trusted, licensed insurers
  • Professional guidance from experienced insurance advisors
  • Fast quotation and policy issuance
  • Competitive premiums
  • Assistance selecting the right level of cover
  • Responsive customer support throughout the process

Whether you’re travelling for business, leisure, education, or family visits, we’re here to help you secure the right protection before your journey begins.

Frequently Asked Questions

Is inbound travel health insurance mandatory in Kenya?

Yes. Kenya has gazetted minimum benefit requirements for mandatory inbound travel health insurance under the Social Health Insurance framework. Travelers should verify the latest implementation requirements applicable to their travel circumstances.

What is the minimum required insurance cover?

The Gazette Notice specifies a minimum cumulative policy benefit limit of USD 50,000.

Can I purchase higher coverage?

Yes. The published limits are minimum requirements. Many insurers offer higher benefit limits and additional protections.

Does travel insurance cover emergency evacuation?

Yes. Policies must include Emergency Medical Transportation with a minimum benefit of USD 25,000.

Can I buy travel insurance through Step by Step Insurance?

Yes. Step by Step Insurance can help you compare travel insurance options from licensed insurers and choose a policy that meets Kenya’s regulatory requirements and your travel needs.

Get Expert Help Before You Travel

Navigating new travel regulations doesn’t have to be complicated. At Step by Step Insurance, we’re committed to helping travelers secure reliable, compliant travel health insurance with ease. Whether you’re visiting Kenya for a holiday, business trip, study program, or family visit, our team can guide you through the available options and ensure you have the right level of protection before you travel.

Contact Step by Step Insurance today for expert advice, competitive travel insurance solutions, and peace of mind for your journey to Kenya.

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Step-by-Step Guide: Buying PSV and Boda Boda Insurance in Kenya (2026)

Step-by-Step Guide: Buying PSV and Boda Boda Insurance in Kenya (2026)

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How to Buy PSV & Boda Boda Insurance in Kenya (2026 Guide) | Step by Step Insurance

Whether you own a boda boda, matatu, tuk tuk, taxi, or manage an entire PSV fleet, having the right insurance is not just a legal requirement—it’s one of the smartest financial decisions you can make.

Every day, thousands of public service vehicles transport millions of Kenyans across the country. Unfortunately, they also face higher risks of road accidents, theft, vandalism, passenger injury claims, and unexpected downtime. Without the right insurance, a single incident can result in significant financial losses and disrupt your business.

The good news is that purchasing PSV insurance in Kenya has become much easier. Most insurers now issue digital insurance certificates, accept M-Pesa payments, and process applications within a few hours once all the required documents are submitted.

This guide walks you through every step of buying PSV or boda boda insurance in Kenya in 2026, including the documents you’ll need, indicative starting prices, and how Step by Step Insurance helps you compare policies from Kenya’s leading insurance companies to find the cover that best suits your needs.

Key Takeaways

  • PSV insurance is a legal requirement for boda bodas, matatus, tuk tuks, taxis, and all vehicles carrying passengers for hire or reward.
  • You can choose between Third-Party Only (minimum legal cover) or Comprehensive insurance (full protection).
  • Always confirm that Passenger Legal Liability (PLL) is clearly indicated on your certificate.
  • 2026 boda boda third-party premiums start from as low as KSh 2,500 for 6 months.
  • Digital certificates via M-Pesa payment mean most policies can be issued within a few hours.
  • Step by Step Insurance lets you compare quotes from multiple insurers before you buy.

Why PSV Insurance Matters

If your vehicle carries passengers for hire or reward, Kenyan law requires you to have valid insurance before operating on public roads.

This includes:

  • Boda bodas
  • Matatus
  • Tuk tuks
  • Taxis
  • School buses
  • Tour vans
  • Shuttle buses
  • SACCO-owned vehicles

Besides complying with NTSA requirements, the right insurance protects you against potentially devastating financial losses resulting from accidents, legal claims, theft, or damage to your vehicle.

Step 1: Choose the Right Type of Insurance Cover

The first decision you’ll make is selecting the level of protection that best suits your business and budget.

Option 1: Third-Party Only (TPO)

Third-Party Only insurance is the minimum cover required by Kenyan law.

It generally covers:

  • Injury or death of third parties
  • Damage to other people’s property
  • Passenger Legal Liability (where included)
  • Legal liability arising from road accidents

However, it does not cover:

  • Damage to your own vehicle
  • Theft
  • Fire
  • Flood damage
  • Vandalism

Third-Party insurance is ideal for operators looking for an affordable way to remain compliant while protecting themselves against third-party claims.

Option 2: Comprehensive Insurance

Comprehensive insurance provides the highest level of protection.

In addition to everything covered under Third-Party insurance, it also protects against:

  • Accidental damage to your own vehicle
  • Theft
  • Fire
  • Floods and severe weather
  • Malicious damage
  • Riot and strike damage (where applicable)

Depending on the insurer, you may also add optional benefits such as:

  • Windscreen cover
  • Courtesy vehicle
  • Excess protection
  • Political violence cover
  • Loss of use
  • Personal accident benefits

If your vehicle is your primary source of income, comprehensive insurance can significantly reduce financial losses following an accident or theft.

Step 2: Prepare Your Documents

Having your documents ready helps speed up the quotation, approval, and policy issuance process.

Most insurers will require:

DocumentPurpose
Logbook CopyConfirms ownership and vehicle details
National IDVerifies your identity
KRA PIN CertificateTax compliance
Valid Driving LicenceConfirms legal authorization to drive
Vehicle Inspection Report (where applicable)Required by some insurers for comprehensive cover
SACCO Membership CertificateRequired for group or negotiated schemes

For company-owned fleets, insurers may also request:

  • Certificate of Incorporation
  • CR12
  • Company KRA PIN
  • Director IDs
  • Fleet schedule

Step 3: Understand the 2026 Market Rates

Insurance premiums generally depend on factors such as:

  • Vehicle type
  • Vehicle value
  • Claims history
  • SACCO membership
  • Seating capacity
  • Type of cover selected

Below are indicative starting prices available through Step by Step Insurance.

Boda Boda Insurance

Cover TypePremium
6-Month Third PartyFrom KSh 2,500
12-Month Third PartyFrom KSh 4,500
ComprehensiveFrom KSh 8,500 or approximately 3%–5% of the motorcycle’s value

Tuk Tuk Insurance

Cover TypePremium
Third PartyFrom KSh 3,054 annually
ComprehensiveBased on the vehicle’s value and risk profile

Matatu Insurance

Cover TypePremium
Third PartyFrom KSh 7,500 annually
ComprehensivePremium calculated based on the vehicle’s value, claims history, seating capacity, and the insurer’s underwriting guidelines

Please note that premiums may vary depending on the insurer, the level of cover selected, and your individual risk profile.

Step 4: Confirm Passenger Legal Liability (PLL)

Passenger Legal Liability (PLL) is one of the most important sections of any PSV insurance policy.

PLL protects you if passengers are injured or lose their lives while travelling in your vehicle due to an accident for which you’re legally liable.

Before purchasing your policy, confirm that Passenger Legal Liability is clearly indicated on your insurance certificate.

Operating without valid PLL cover can expose you to:

  • Personal liability for passenger compensation
  • Costly legal claims
  • NTSA compliance issues
  • Potential interruptions to your business

If you’re unsure whether your policy includes PLL, ask your insurance advisor to verify it before purchasing or renewing your cover.

Step 5: Decide Whether to Buy Individually or Through a SACCO

You can purchase PSV insurance either individually or through your SACCO.

Individual Purchase

Suitable for:

  • Independent operators
  • Taxi owners
  • Private PSV businesses
  • Fleet owners

Benefits include:

  • Faster processing
  • Flexible insurer choice
  • Direct communication with your insurance advisor

Most insurers require full payment before issuing the policy.

SACCO Group Insurance

Many PSV SACCOs negotiate group insurance packages for their members.

Benefits include:

  • Negotiated premiums
  • Flexible payment arrangements
  • Daily or monthly deductions
  • Simplified renewals
  • Bulk discounts
  • Group claims support

If you’re already a SACCO member, it’s worth comparing your SACCO’s package with individual quotations to ensure you’re getting the best value.

Step 6: Make Payment and Receive Your Digital Insurance Certificate

Once you’ve chosen your preferred cover:

  • Confirm your quotation.
  • Submit all the required documents.
  • Make payment via M-Pesa or bank transfer.
  • Your insurer processes the policy.
  • Receive your digital insurance certificate via WhatsApp or email.
  • Save or print a copy for your records.

Today, both NTSA officers and traffic police increasingly accept digital insurance certificates, making compliance more convenient than ever. You can also verify your car insurance instantly via your mobile phone for extra peace of mind.

Helpful Resources

Here are a few related guides that PSV and vehicle owners in Kenya often find useful:

GuideDescription
Transferring Motor Vehicle Insurance How to transfer motor vehicle insurance after buying a used car in Kenya
Electric Vehicle Insurance in Kenya Everything every EV owner should know in 2026
Verify Car Insurance Instantly How to verify car insurance in Kenya instantly via mobile phone

Common Mistakes to Avoid

Many PSV operators unknowingly expose themselves to unnecessary risks. Avoid these common mistakes:

  • Choosing insurance based only on price
  • Failing to confirm Passenger Legal Liability
  • Underinsuring your vehicle
  • Delaying policy renewals
  • Not understanding policy exclusions
  • Failing to report accidents promptly
  • Ignoring optional covers that could reduce financial losses

Working with an experienced insurance advisor helps ensure you fully understand your policy before purchasing. If you recently bought a used vehicle, it’s also worth reading our guide on transferring motor vehicle insurance after purchase.

Why Buy Through Step by Step Insurance?

Finding the right PSV insurance isn’t simply about paying the lowest premium—it’s about getting reliable protection, responsive service, and a policy that matches your business needs.

At Step by Step Insurance, we help you compare quotations from multiple trusted insurance companies across Kenya, making it easier to find quality cover at competitive rates.

When you work with us, you benefit from:

  • Competitive quotations from leading insurers
  • Expert advice for boda bodas, matatus, tuk tuks, taxis, and PSV fleets
  • Assistance with documentation and policy processing
  • Fast digital policy issuance
  • Renewal reminders
  • Dedicated claims support

Whether you’re insuring one motorcycle or managing an entire fleet, our experienced advisors make the insurance process simple, transparent, and stress-free. If you’re also considering an electric vehicle, take a look at our guide on electric vehicle insurance in Kenya.

Frequently Asked Questions (FAQs)

Is PSV insurance mandatory in Kenya?

Yes. Every vehicle used to transport passengers for hire or reward must have valid insurance that complies with Kenyan law and NTSA requirements.

Can I pay for PSV insurance in installments?

Some insurers and SACCO group schemes offer flexible payment arrangements. Availability depends on the insurer and the type of policy.

Is Passenger Legal Liability included automatically?

Not always. Always confirm that Passenger Legal Liability (PLL) is included and clearly indicated on your insurance certificate.

How long does it take to receive my insurance certificate?

Once your documents have been verified and payment is confirmed, many insurers issue digital certificates within a few hours.

Can Step by Step Insurance help me compare different insurers?

Yes. Step by Step Insurance works with multiple insurance providers, allowing you to compare premiums, benefits, and coverage options before making a decision.

Get Your Free PSV Insurance Quote Today

Whether you’re a boda boda rider, taxi operator, tuk tuk owner, matatu investor, or managing an entire PSV fleet, the right insurance protects your income, keeps your business compliant, and gives you peace of mind on the road.

Contact Step by Step Insurance today for a free, no-obligation quotation. Our experienced advisors will help you compare leading insurers, choose the right cover, and get your policy issued quickly so you can continue operating with confidence.

Get a Free Quote

Contact Us / Request a Consultation

Ready to compare quotes or have a question about your PSV policy? Reach out to our team through any of the channels below.

Request a Consultation
+254 (0) 735 626 912
+254 (0) 716 534 192
0722 888 350
Travel Insurance Benefits Nobody Talks About (But Every Kenyan Traveller Should Know)

Travel Insurance Benefits Nobody Talks About (But Every Kenyan Traveller Should Know)

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Planning a trip abroad? Whether you’re heading to Europe for a Schengen visa, shopping in Dubai, or visiting family in the United States, travel insurance is probably already on your checklist.

For many Kenyans, however, travel insurance is simply something you buy because the embassy requires it. Once the visa is approved, the policy is forgotten.

But here’s what most people don’t realize: travel insurance is much more than a visa requirement. It protects you from unexpected medical bills, travel disruptions, legal liabilities, lost documents, and several hidden expenses that could cost you hundreds of thousands — or even millions — of shillings while you’re overseas.

Let’s explore the travel insurance benefits that most travellers never use simply because they don’t know they exist.

Key Takeaways

  • Travel insurance covers far more than the Schengen visa requirement — including lost passports, legal liability, and daily hospital cash.
  • Flight delays and missed connections can be reimbursed if your policy includes the right add-ons.
  • Your destination matters — Europe, Dubai, and the USA each call for different priority benefits.
  • Keeping receipts and reporting incidents immediately makes claims far easier to process.
  • A quick chat with a licensed advisor helps you pick cover that matches your real risks, not just visa rules.

Join Our Insurance Community on WhatsApp

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Why Travel Insurance Matters More Than You Think

When you’re outside Kenya, even small emergencies become expensive.

Imagine:

  • A simple hospital visit in the United States costing over KES 250,000.
  • Missing your connecting flight in Europe and paying for a hotel yourself.
  • Losing your passport in Dubai days before your return flight.

Without proper travel insurance, these unexpected situations can quickly ruin both your trip and your finances.

The good news? A comprehensive travel insurance policy is designed to protect you against exactly these kinds of situations.

1. Lost Passport? Your Insurance Can Help

Losing your passport abroad is every traveller’s nightmare.

Besides the stress, replacing travel documents involves:

  • Police reports
  • Embassy visits
  • Consular fees
  • Transport costs
  • Emergency travel documents

Many comprehensive travel insurance policies reimburse these expenses, helping you replace your documents without carrying the full financial burden yourself.

2. Personal Liability Cover

Here’s a situation most people never think about.

Imagine accidentally damaging expensive property while shopping in Dubai. Or accidentally knocking someone over while sightseeing in Europe, resulting in injuries.

In many countries, you may be legally required to compensate the affected person. That’s where Personal Liability Cover comes in.

Depending on your policy, it may help pay for:

  • Third-party property damage
  • Legal defence costs
  • Compensation awarded by courts
  • Out-of-court settlements

It’s one of the least talked-about benefits — but one that could save you a significant amount of money.

3. Daily Hospital Cash Benefit

Medical bills aren’t the only costs when you’re hospitalized overseas.

Even if your insurer settles your treatment, you’ll still spend money on:

  • Meals
  • Internet access
  • Phone calls
  • Transportation for family or friends
  • Other personal expenses

Some travel insurance plans provide a daily cash allowance while you’re admitted to hospital. This benefit gives you extra money to cover these day-to-day expenses without affecting your medical cover.

Quick Links: Explore More on Travel Insurance
Resource What You’ll Learn Visit
  Travel Insurance Guide for Kenyans A complete breakdown of how travel insurance works for Kenyans travelling abroad. Read Guide
  Top 5 Cheapest Travel Insurance Providers (2025) Compare affordable travel insurance providers in Kenya for your next trip. Compare Providers
  Request a Consultation Speak to our team and get guidance tailored to your travel plans. Contact Us
  Get a Travel Insurance Quote Get a personalised quote for your upcoming trip in minutes. Get Quote

4. Flight Delayed? Your Insurance May Pay

Flight delays happen every day.

Bad weather, airline technical problems, or strikes can leave you stranded at an airport for hours — or even overnight.

If your delay meets your policy’s qualifying period, travel insurance may reimburse expenses such as:

  • Hotel accommodation
  • Meals
  • Refreshments
  • Airport transfers

Instead of paying unexpected accommodation costs yourself, your insurance helps cushion the inconvenience.

5. Missed Your Connecting Flight?

Long-haul journeys from Nairobi often involve connections through cities like:

  • Doha
  • Dubai
  • Amsterdam
  • Istanbul

If your first flight is delayed and causes you to miss your next one, some travel insurance policies cover:

  • Hotel accommodation
  • Meals
  • Local transport
  • Additional travel expenses

Always check whether your policy includes Missed Connection Cover, especially if your itinerary has multiple flights.

6. Delayed Baggage? Buy Essentials Without Worry

Arriving at your destination without your luggage can be frustrating.

Fortunately, many travel insurance policies include Baggage Delay Cover.

If your luggage is delayed beyond the specified waiting period, your insurer may reimburse you for buying essentials such as:

  • Clothes
  • Toiletries
  • Personal care items
  • Essential medication
Tip: Always request a Property Irregularity Report (PIR) from the airline before leaving the airport.

7. Emergency Visit from a Family Member

Imagine being hospitalized overseas for several days with no family nearby.

Some premium travel insurance plans include a Compassionate Visit Benefit.

If you’re admitted to hospital for an extended period, your insurer may cover:

  • Return airfare for a close family member
  • Accommodation expenses
  • Daily allowance for your visitor

This benefit provides emotional support during difficult moments far from home.

Which Benefits Matter Most Depending on Your Destination?

Europe (Schengen Countries)

Besides the mandatory medical cover required for your visa, it’s wise to choose a policy that also includes:

  • Missed connection cover
  • Flight delay benefits
  • Baggage delay protection

These become especially useful when travelling between multiple European cities.

Dubai

Dubai is known for luxury shopping, exciting attractions, and outdoor activities. Look for policies offering:

  • Personal Liability Cover
  • Daily Hospital Cash Benefit
  • Comprehensive medical expenses

These provide additional protection during your stay.

United States

Healthcare in the USA is among the most expensive in the world. A comprehensive policy should include:

  • High medical limits
  • Emergency medical evacuation
  • Baggage delay cover
  • Emergency travel assistance

These benefits can save you from enormous unexpected costs.

How to Make a Successful Travel Insurance Claim

If something goes wrong while travelling, follow these simple steps:

Report the Incident Immediately

Whether it’s lost baggage or a stolen passport, obtain the official report from the relevant authority. Examples include:

  • Police abstract
  • Property Irregularity Report (PIR)
  • Hospital admission documents

Keep Every Receipt

Save receipts for:

  • Clothing purchases
  • Toiletries
  • Hotel accommodation
  • Transport
  • Embassy fees

Without receipts, reimbursement may not be possible.

Contact Your Insurer Immediately

Most travel insurance providers offer a 24-hour emergency assistance line. Call them before making major medical or travel decisions whenever possible. They can:

  • Direct you to approved hospitals
  • Authorize treatment
  • Assist with emergency travel arrangements
  • Guide you through the claims process

Final Thoughts

Travel insurance isn’t just another document required by an embassy.

It’s financial protection that follows you wherever you go.

From replacing lost passports and covering delayed baggage to paying emergency medical bills and helping during flight disruptions, a good travel insurance policy can save you from unexpected expenses and give you peace of mind throughout your journey.

Before your next international trip, don’t just ask, “Does this policy meet the visa requirements?”

Instead, ask: “What else does my travel insurance protect me against?”

You may be surprised by how much value is already included.

Travel with Confidence

At Step by Step Insurance, we help you choose travel insurance that goes beyond visa requirements — so you’re protected from take-off to touchdown.

Whether you’re travelling for business, study, holiday, or visiting family abroad, our team will help you find the right cover for your destination and budget.

Contact Step by Step Insurance today and travel with confidence, knowing you’re protected every step of the way.

+254 (0) 735 626 912
+254 (0) 716 534 192
0722 888 350
Request a Consultation
Get Your Travel Insurance Quote
How to Transfer Motor Vehicle Insurance After Buying a Used Car in Kenya

How to Transfer Motor Vehicle Insurance After Buying a Used Car in Kenya

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Buying a used car is an exciting milestone. Whether it’s your first vehicle or an upgrade, finally getting the keys to your new ride is a moment worth celebrating. However, many buyers in Kenya make one costly assumption — they believe the previous owner’s motor vehicle insurance automatically transfers to them after the sale.

Unfortunately, it doesn’t.

Motor vehicle insurance is issued to the policyholder based on their ownership and insurable interest in the vehicle. Once ownership changes, the seller’s insurance generally no longer provides protection for the new owner. Driving without arranging your own valid insurance could expose you to legal penalties, rejected claims, and significant financial losses if you’re involved in an accident.

In this guide, we’ll walk you through the used car insurance transfer steps in Kenya, explain the role of the NTSA ownership transfer process, and show you why motor insurance claims matter more than most Kenyan drivers realise, before you get the right insurance on the road.

🔑 Key Takeaways

  • Motor insurance in Kenya does not transfer automatically when you buy a used car — it is tied to the policyholder, not the vehicle.
  • You must complete the NTSA ownership transfer via eCitizen before your new logbook can be issued.
  • The seller should cancel their own policy once the sale is complete; it does not carry over to you.
  • Choose between Third Party, Third Party Fire & Theft, or Comprehensive Insurance based on your vehicle’s value and your budget.
  • Driving before securing your own cover is illegal and leaves you financially exposed if an accident occurs.
💬
Join Our Insurance Community on WhatsApp

Connect with a community of people interested in insurance trends, tips, and news across Kenya. No spam, no clickbait — just genuinely useful updates.

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🚗 Does Motor Vehicle Insurance Transfer Automatically in Kenya?

The simple answer is No.

Many people assume that because the car already has an active insurance sticker or certificate, the cover automatically belongs to whoever owns the vehicle. In reality, motor insurance is a contract between the insurance company and the person or business named in the policy.

When ownership changes:

  • The previous owner’s insurable interest ends.
  • The new owner is responsible for arranging their own insurance.
  • Any claim made under the previous owner’s policy may be declined if ownership has changed without the insurer’s knowledge.

⚖️ Myth vs Reality

Common misconceptions, clarified
MythReality
Insurance follows the vehicle.❌ No. Insurance is issued to the policyholder.
The seller’s insurance protects the buyer.❌ Not after ownership changes.
I can drive the car while sorting out insurance.❌ Driving without valid insurance is illegal.
I need a new policy after buying a used car.✅ Yes.

🛡️ Why You Must Update Your Insurance After Buying a Used Car

Updating your insurance isn’t just a formality — it’s a legal and financial necessity.

Failing to obtain your own insurance could result in:

  • Claims being rejected after an accident.
  • Personal responsibility for repairing your own vehicle.
  • Liability for injuries or damage caused to other road users.
  • Fines and legal consequences for driving without valid insurance.
  • Difficulties when renewing insurance or selling the vehicle later.

Motor insurance protects both your finances and your peace of mind.

🔍 Before You Buy: Check the Vehicle’s Insurance Status

Before completing the purchase, ask the seller for information about the vehicle’s current insurance.

Useful questions include:

  • Which insurer currently covers the vehicle?
  • When does the policy expire?
  • Is it Third Party or Comprehensive Insurance?
  • Has the vehicle been involved in any recent claims?
  • Is the vehicle financed or under a logbook loan?
  • Are there any pending insurance disputes?

While the existing policy won’t transfer to you, this information can help you understand the vehicle’s history and avoid unpleasant surprises.

📝 Step-by-Step Guide to Getting Insurance After Buying a Used Car

Step 1: Complete the NTSA Ownership Transfer

The first step is transferring ownership through the NTSA system via eCitizen.

Typically:

  • The seller initiates the transfer.
  • The buyer logs into their eCitizen account and accepts the transfer.
  • The required transfer fees are paid.
  • NTSA processes the ownership change.

Once approved, the vehicle will officially be registered in your name.

Step 2: Obtain the Updated Logbook

Your updated logbook serves as proof that you legally own the vehicle.

Most insurers will request:

  • A copy of the logbook or ownership confirmation.
  • Your National ID.
  • Your KRA PIN.
  • Vehicle details.

Without proof of ownership, processing your insurance application may be delayed.

Step 3: The Seller Cancels Their Insurance Policy

Once the vehicle has been sold, the seller should notify their insurer.

Depending on the insurer’s terms:

  • The policy may be cancelled.
  • The unused premium may qualify for a refund, subject to policy conditions.
  • If there were outstanding claims, adjustments may apply.

The important point is that the seller’s policy is not transferred to the buyer.

Step 4: Choose the Right Type of Insurance

You now need to purchase insurance in your own name.

Third Party Only
This is the minimum insurance required by Kenyan law. It covers injury to third parties, death of third parties, and damage to another person’s property. However, it does not cover damage to your own vehicle. It is suitable for older vehicles, vehicles with lower market value, and drivers seeking the most affordable legal cover.

Third Party, Fire and Theft
This option provides everything included under Third Party Insurance plus protection against fire damage and theft of the vehicle. It offers additional peace of mind without the cost of comprehensive insurance.

Comprehensive Insurance
This provides the highest level of protection. It may include cover for accidental damage, theft, fire, flood damage (where applicable), windscreen damage, medical expenses (depending on the policy), political violence and terrorism (optional), and an excess protector (optional). For newer or higher-value used cars, comprehensive insurance is often the most suitable option.

Step 5: Compare Insurance Quotes

Motor insurance premiums vary between insurers. Factors affecting your premium include vehicle value, age of the vehicle, engine capacity, vehicle make and model, intended use, claims history, security features, and optional benefits selected.

Working with an insurance agency allows you to compare several insurers before making a decision — you can get a quote from Step by Step Insurance in minutes.

Step 6: Submit the Required Documents

Most insurers will ask for your National ID, KRA PIN, updated logbook, vehicle valuation report (for Comprehensive Insurance), inspection report (where applicable), passport photo (if requested), and a completed proposal form. Having these documents ready helps speed up policy issuance.

Step 7: Pay Your Premium

Once your quotation is approved, you’ll pay the agreed premium. Many insurers accept M-Pesa, bank transfer, debit or credit cards, cheque payments, and agency payment platforms. Always keep your payment confirmation.

Step 8: Receive Your Insurance Certificate

After payment is confirmed, you’ll receive your policy document, insurance certificate, schedule of benefits, and any optional add-on documents.

Check that all details are correct, including:

  • Vehicle registration number.
  • Chassis number.
  • Engine number.
  • Owner’s name.
  • Type of cover.
  • Sum insured.

If you notice any errors, contact your insurer immediately for corrections.

🔗 Explore More From Step by Step Insurance

A few resources our readers find useful while going through this process:

Helpful pages & resources
ResourceDescriptionVisit
NTSA Fines 2026 Guide Full breakdown of the latest NTSA traffic fines in Kenya. View Guide
Why Motor Insurance Claims Matter Why claims handling matters more than most Kenyan drivers realise. Read More
Request a Consultation Speak with an advisor about your used car insurance options. Contact Us
Get a Quote Compare quotes from multiple insurers in one place. Get Quote

⚠️ Can You Drive the Car Before Getting Insurance?

No.

Under Kenyan law, every motor vehicle used on public roads must have valid motor insurance that meets the legal minimum requirements.

Driving before obtaining your own insurance could expose you to police penalties, legal liability, personal responsibility for accident costs, and difficulty making insurance claims later.

It is always advisable to arrange your insurance immediately after ownership transfer and before driving the vehicle regularly.

🚨 What Happens If You’re Involved in an Accident Before Updating Insurance?

This is one of the biggest risks for used car buyers.

If an accident occurs before your new insurance policy takes effect:

  • Repairs to your vehicle may come entirely out of your pocket.
  • Damage to other vehicles could become your responsibility.
  • Medical expenses and legal claims may be directed to you personally.
  • The previous owner’s insurer may decline liability because they no longer own the vehicle.

The financial impact can be substantial, making prompt insurance one of the most important steps after purchasing a used vehicle.

📊 Comprehensive vs Third Party Insurance for Used Cars

Coverage comparison at a glance
FeatureThird PartyThird Party Fire & TheftComprehensive
Third-party injuries✅✅✅
Third-party property damage✅✅✅
Fire❌✅✅
Theft❌✅✅
Own accidental damage❌❌✅
Flood cover❌❌Usually Optional
Windscreen cover❌❌Usually Included or Optional
Best forOlder vehiclesModerate-value vehiclesHigh-value vehicles

🚫 Common Mistakes Used Car Buyers Make

Avoid these common errors:

Assuming insurance transfers automatically

This is the most common misconception.

Delaying ownership transfer

Insurance and ownership records should always match.

Driving before obtaining insurance

Even a short trip can expose you to significant financial risk — and could result in penalties under the latest NTSA fines.

Under-insuring the vehicle

Always insure your vehicle based on its correct market value.

Buying insurance based on price alone

The cheapest policy isn’t always the best. Compare benefits, exclusions, and customer service.

Forgetting optional benefits

Consider extras such as a courtesy car, excess protector, political violence cover, loss of use, and road rescue.

❓ Frequently Asked Questions

Can I use the seller’s insurance after buying the car?

Generally, no. Once ownership changes, you should arrange your own insurance cover.

Do I need a new insurance policy?

Yes. The policy should reflect the current registered owner of the vehicle.

Can I insure the vehicle before ownership transfer is complete?

Some insurers may begin the process using the sale agreement and supporting documents, but requirements vary. Confirm with your insurer before relying on temporary arrangements.

Is vehicle valuation compulsory?

Valuation is commonly required for Comprehensive Insurance to establish the vehicle’s current market value.

How long does the process take?

If your documents are ready, obtaining insurance can often be completed within the same day, while ownership transfer timelines depend on NTSA processing.

Should I choose Comprehensive Insurance for an older vehicle?

It depends on the vehicle’s value, condition, and your budget. If replacing or repairing the vehicle would be financially difficult, Comprehensive Insurance may still be worthwhile.

🤝 Why Choose Step by Step Insurance?

At Step by Step Insurance, we make the process of insuring your newly purchased used vehicle simple and stress-free.

Our experienced advisors help you compare quotes from multiple reputable insurers, choose the most suitable cover for your needs, understand policy benefits and exclusions, arrange vehicle valuation where required, complete documentation efficiently, and receive ongoing support during claims and renewals.

Whether you’re buying your first car or expanding your fleet, we’re here to help you secure the right protection with confidence.

📞 Request a Consultation

Ready to get your new vehicle covered? Reach out to our team today.

📞 +254 (0) 735 626 912
📞 +254 (0) 716 534 192
💬 WhatsApp: 0722 888 350
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✅ Final Thoughts

Buying a used car is an exciting investment, but don’t let a misunderstanding about insurance put that investment at risk.

Remember, motor vehicle insurance does not automatically transfer from the seller to the buyer. After completing the ownership transfer through NTSA, you should arrange a new insurance policy in your own name before driving the vehicle.

Taking the right steps protects you financially, keeps you compliant with Kenyan law, and gives you confidence every time you get behind the wheel.

If you’re unsure which cover is best for your vehicle, Step by Step Insurance can help you compare options from leading insurers and guide you through every step of the process — so you can drive away with complete peace of mind.

📚 Suggested Internal Links

🛡️ Comprehensive Car Insurance in Kenya 📄 Third Party Car Insurance Explained 💰 Comprehensive Car Insurance Cost in Kenya 📝 Motor Insurance Claims Process in Kenya 🔎 Vehicle Valuation for Insurance Explained

🌐 References

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Danka Plaza, 2nd Floor, Namanga Road.
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+254 (0) 716 534 192
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