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Vince Oremo

About Vince Oremo

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Vince Oremo is a talented web designer and digital marketer from Kenya, who studied journalism at the Technical University of Kenya. With over six years of experience, he specializes in brand identity, graphic design, web development, SEO, and social media management. Oremo focuses on creating tailored solutions that reflect each client's unique story, enhancing their online presence and driving business growth. His collaborative approach ensures meaningful connections between brands and their audiences, resulting in increased engagement and visibility. You can explore his work at vinceoremo.com.

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APA WIBA Insurance: Protecting Your Employees and Business with Workman’s Compensation

APA WIBA Insurance: Protecting Your Employees and Business with Workman’s Compensation

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APA WIBA Insurance: Protecting Your Employees and Business with Workman’s Compensation

Every employer’s top priority should be the safety and well-being of their employees. Workplace accidents and injuries can happen unexpectedly, and when they do, both the employee and the employer need reliable protection. APA WIBA Insurance (Work Injury Benefits Act Insurance) is designed to provide just that—comprehensive coverage for employees in the event of accidental injury, disability, or death while on duty. As a trusted insurance intermediary, Step By Step Insurance partners with APA Insurance to bring you comprehensive WIBA solutions tailored to your business needs. This article will explain what APA WIBA Insurance is, what it covers, and why it’s essential for every business in Kenya.

🔑Key Takeaways

  • Legal Requirement: WIBA insurance is mandatory for all employers in Kenya under the WIBA Act 2007
  • Comprehensive Coverage: APA Insurance protects against accidental injury, disability, and death while on duty
  • Trusted Partnership: Step By Step Insurance serves as your dedicated intermediary for APA WIBA products
  • Generous Compensation: Up to 8 years of earnings for death and permanent disability
  • 24-Hour Options: WIBA Plus extends coverage beyond working hours
  • Expert Support: Professional guidance through our intermediary services for policy selection and claims
  • Financial Protection: Shields businesses from unexpected compensation claims

📋Table of Contents

🛡️What is APA WIBA Insurance?

APA WIBA Insurance is a workman’s compensation policy that protects employees against accidental bodily injury, disablement, or death that occurs while they are engaged in the employer’s business or any project undertaken by the employer. The policy is structured in accordance with the WIBA Act 2007, ensuring that compensation is fair, transparent, and legally compliant.

This policy is not just a legal requirement for employers in Kenya—it’s also a smart way to demonstrate care for your workforce and shield your business from unexpected financial burdens. Understanding the real cost of ignoring WIBA insurance is crucial for every employer.

👥Who Needs APA WIBA Insurance?

🏢Employers in all sectors

Whether you run a factory, office, construction site, or retail business, if you have employees, you need WIBA insurance.

🔨Project-based businesses

Companies that undertake projects with varying teams or contract workers.

🎓Schools and organized groups

For group personal accident cover, including students and staff.

🔗Related WIBA Insurance Resources

Resource Type Title Description
Cost Analysis The Real Cost of Ignoring WIBA Insurance What Kenyan employers need to know about the financial implications
Legal Compliance WIBA Legal Compliance in Kenya Work employees and their protection under Kenyan law

⭐Key Features and Benefits of APA WIBA Insurance

🛡️1. Comprehensive Employee Protection

APA WIBA Insurance covers employees while on duty and engaged in any business activity or project for the employer. The policy provides compensation for:

  • Accidental bodily injury
  • Disablement (temporary or permanent)
  • Death

⚖️2. Legal Compliance

Compensation is paid according to the provisions of the WIBA Act 2007, ensuring your business meets all statutory requirements.

💰3. Generous Compensation Limits

  • Death: Up to 8 years (96 months) of the employee’s earnings
  • Permanent Total Disability: Up to 8 years (96 months) of earnings
  • Temporary Total Disability: Weekly earnings paid for up to 52 weeks

🏥4. Medical and Funeral Expenses

  • Medical expenses: Free cover up to Kshs. 100,000 per employee (higher limits available at extra premium)
  • Funeral/Last expense: Free cover up to Kshs. 30,000 per employee (higher limits available at extra premium)

🕐5. WIBA Plus – 24-Hour Coverage

For businesses seeking even broader protection, the WIBA Plus policy extends coverage to 24 hours, protecting employees even outside their official working hours.

📊What Does APA WIBA Insurance Cover?

Here’s a comprehensive reference table summarizing the core coverage under APA WIBA Insurance:

Benefit Type Coverage Details Maximum Duration
Death Up to 8 years (96 months) of earnings Lump sum payment
Permanent Total Disability Up to 8 years (96 months) of earnings Lump sum payment
Temporary Total Disability Weekly earnings Up to 52 weeks
Medical Expenses Up to Kshs. 100,000 per employee Per incident
Funeral/Last Expense Cover Up to Kshs. 30,000 per employee Per incident

👨‍👩‍👧‍👦Group Personal Accident Cover: Flexible Protection for Modern Lifestyles

Today, people often work, travel, and socialize in groups. APA Group Personal Accident Insurance is designed for such scenarios, providing cover for accidental death or incapacitation for groups or individuals.

🎯Who can benefit?

  • Individuals and groups under 65 years
  • Schools and student groups
  • Clubs, societies, and organized teams

💼Key Benefits

  • Death: Compensation up to 8 years of earnings
  • Permanent Total Disability: Up to 8 years of earnings
  • Temporary Total Disability: Weekly earnings up to 52 weeks
  • Medical Expenses: Up to Kshs. 100,000 per person (higher limits optional)
  • Funeral/Last Expense: Up to Kshs. 30,000 per person (higher limits optional)

Special Group Personal Insurance covers both work and non-work accidents, making it ideal for organizations that want round-the-clock protection for their members.

❗Why Is APA WIBA Insurance Important for Your Business?

⚖️1. Legal Requirement

The WIBA Act 2007 makes it mandatory for employers in Kenya to provide work injury benefits. Failure to comply can result in legal penalties and business disruptions. Learn more about WIBA legal compliance requirements.

❤️2. Employee Welfare

A robust WIBA policy shows your employees that you value their safety and well-being, boosting morale and loyalty.

💸3. Financial Protection

Workplace accidents can lead to significant financial liabilities. APA WIBA Insurance ensures your business is protected from large, unexpected compensation claims. Understanding the cost of ignoring WIBA insurance highlights this importance.

😌4. Peace of Mind

With APA’s trusted claims service and comprehensive coverage, both employers and employees can focus on their work, knowing they’re protected.

❓Frequently Asked Questions about APA WIBA Insurance

❓Is APA WIBA Insurance compulsory in Kenya?

Yes, it is a legal requirement for all employers under the WIBA Act 2007.

❓Can I increase the medical or funeral cover limits?

Yes, higher limits are available at an additional premium.

❓Does WIBA Plus cover employees outside working hours?

Yes, WIBA Plus offers 24-hour worldwide coverage.

❓Who receives the compensation in case of death?

Compensation is paid to the employee’s legal representatives or nominated beneficiaries.

❓Can students or non-employees be covered?

Yes, through the Group Personal Accident policy, students and organized groups can be covered.

📝How to Get APA WIBA Insurance

Getting covered is easy with Step By Step Insurance as your trusted intermediary for APA Insurance products:

  1. Request a Quote: Visit our quote page or contact us directly for personalized APA WIBA solutions
  2. Expert Consultation: Our insurance specialists help you determine the right APA WIBA coverage level for your business or group
  3. Customise Your APA Policy: Choose standard WIBA, WIBA Plus, or add Group Personal Accident as needed
  4. Seamless Processing: We handle all the paperwork and liaison with APA Insurance on your behalf
  5. Get Covered: Enjoy peace of mind knowing your employees or group members are protected under APA’s comprehensive coverage

📞Ready to Get Protected?

Take action today to protect your employees and business

Get a Quote Request Consultation

🌟Why Choose APA WIBA Insurance Through Step By Step Insurance?

As your dedicated insurance intermediary, Step By Step Insurance bridges the gap between you and APA Insurance, providing:

  • 👨‍💼Expert intermediary guidance on APA WIBA compliance and policy selection
  • 🤝Personalised intermediary service for businesses of all sizes
  • ⚡Streamlined claims support – we liaise with APA Insurance for fast turnaround
  • 📋Access to full APA product range including Group Personal Accident and WIBA Plus
  • 🎯Dedicated account management throughout your policy lifecycle
  • 💡Professional advice on optimizing your APA WIBA coverage

🎯Conclusion

APA WIBA Insurance is the smart, responsible choice for every employer in Kenya. It not only fulfills your legal obligations under the WIBA Act 2007 but also demonstrates your commitment to employee welfare and business sustainability. With options for 24-hour cover and group accident protection, APA ensures you’re prepared for whatever the future holds.

Through our partnership as a trusted insurance intermediary, Step By Step Insurance makes accessing APA’s comprehensive WIBA solutions simple and straightforward. Our expert team handles all the complexities, from policy selection to claims processing, ensuring you get the best possible coverage and service.

Ready to protect your team with APA WIBA Insurance? Get a quote or learn more from Step By Step Insurance today.

🔗External Resources

For additional information about APA WIBA Insurance products and services:

Kenya Money Market Funds 2025: Yields Decline but MMFs Remain Attractive

Kenya Money Market Funds 2025: Yields Decline but MMFs Remain Attractive

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Yields Decline but MMFs Remain Attractive

Money market funds (MMFs) in Kenya continue to attract investors despite a slight decline in yields observed since March 2025. This drop is primarily due to the Central Bank of Kenya (CBK) lowering the Central Bank Rate (CBR) to 10.00% on April 8, 2025, which led to reduced returns on government securities—key components of MMF portfolios. As a result, the highest-yielding MMFs, such as GulfCap Money Market Fund, now offer annualized rates of 13.87% before tax, down from highs of over 18% in 2024.

Key Takeaways

  • MMF yields have declined since March 2025 due to CBK rate cuts
  • Top performing funds still offer returns above 13% before tax
  • Net returns average 9.37% after tax, well above inflation rate of 4.1%
  • MMFs remain attractive for liquidity, low risk, and competitive returns
  • The sector is well-regulated ensuring investor protection

Table of Contents

Top Performing Money Market Funds (May 2025)

Fund Name Yield (Before Tax) Net Yield (After 15% Tax)
GulfCap Money Market Fund 13.87% 11.79%
Cytonn Money Market Fund 13.74% 11.68%
Kuza Money Market Fund 13.50% 11.48%
Orient Money Market Fund 13.06% 11.10%
Etica Money Market Fund 13.01% 11.06%

After accounting for the 15% withholding tax, average net returns across the market stand at about 9.37%, which remains well above Kenya’s inflation rate of 4.1% as of March 2025.

Liquidity

Investors can access their money easily, making MMFs ideal for short-term needs. Most funds allow same-day or next-day withdrawals, providing flexibility that traditional fixed deposits cannot match.

Low Risk

MMFs invest in short-term, high-quality securities like Treasury bills, fixed deposits, and commercial paper, ensuring capital preservation. The diversified portfolio approach minimizes risk while maintaining steady returns.

Competitive Returns

Despite the recent drop, MMFs still outperform traditional savings accounts and even government Treasury bills, which currently yield between 7.1% and 10.0%.

Accessibility

Many funds offer low minimum investment requirements and user-friendly digital platforms, making it easy for both new and experienced investors to participate in the market.

Key Market Insights

  • The range of yields for Kenyan MMFs is currently 5.47% to 13.87% (before tax), with most top funds clustered above 11%
  • MMFs continue to be a preferred investment for both new and experienced investors seeking stability, regular income, and returns above inflation
  • The sector is well-regulated by the Capital Markets Authority, ensuring investor protection and market stability
Resource Link
Ziidi Money Market Fund Analysis Read More
Top Money Market Funds Guide View Guide
How to Register for Ziidi Registration Guide
Contact/Consultation Contact Us
Get Quote Get Quote

Conclusion

While yields have softened in 2025, Kenyan money market funds remain a strong choice for investors prioritizing safety, liquidity, and returns that beat inflation. The top funds—GulfCap, Cytonn, and Kuza—continue to lead the market, and MMFs overall offer a compelling alternative to both savings accounts and Treasury bills. With the regulatory framework provided by the Capital Markets Authority and the continued demand for stable, accessible investment options, money market funds are likely to maintain their position as a cornerstone of Kenya’s investment landscape.

Latest News on Insurance in Kenya (from May 22, 2025)

Latest News on Insurance in Kenya (from May 22, 2025)

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Kenya Insurance Industry Update – May 2025

The Kenyan insurance sector is experiencing significant developments in May 2025, marked by high-profile fraud cases, strategic mergers, and innovative insurance products. From the Ksh309 million Invesco Assurance fraud scheme to NCBA Group’s expansion into insurance through the acquisition of AIG Kenya, the industry is witnessing both challenges and growth opportunities. Additionally, climate risk insurance initiatives and healthcare financing partnerships are reshaping the landscape, while digital transformation continues to drive accessibility and innovation across the sector.

🔑Key Takeaways

  • Seven executives charged in Ksh309 million Invesco Assurance fraud case involving client premium diversion
  • NCBA Group completes AIG Kenya integration, launching NCBA Insurance to capture larger market share
  • Ministry of Health promotes public-private healthcare insurance partnerships and Linda Mama program expansion
  • Allianz expands climate risk insurance programs for Kenyan farmers and vulnerable communities
  • Industry trends focus on digitalization, micro-insurance, and green insurance products

📋Table of Contents

🔗Internal Resources Description
Travel Health Insurance Guide Mandatory travel health insurance requirements for foreigners in Kenya 2025
Tech in Transit Insurance How technology is transforming goods in transit risk management in Kenya
Top Money Market Funds Updated guide to top money market funds in Kenya for May 2025
Contact Us Request a consultation or get in touch with our experts
Get Quote Get a personalized insurance quote for your needs

⚖️Major Fraud Case Rocks Insurance Sector

Seven senior officials and former executives from Invesco Assurance Company Limited and Compliant Insurance Agency have been charged with orchestrating a Ksh309 million fraud scheme involving client premiums. The Directorate of Criminal Investigations (DCI) revealed that, between May and August 2024, insurance premiums collected from 27 Invesco branches were funneled into a secret bank account registered to Compliant Insurance Agency. The funds were then siphoned off through personal Mpesa accounts of the accused.

The Policyholders Compensation Fund (PCF) discovered the fraudulent scheme during statutory management of Invesco Assurance, leading to the arrests and arraignment of the implicated executives on charges including insurance fraud and stealing by directors. This case highlights the importance of regulatory oversight and the need for robust internal controls within insurance companies.

🏢NCBA Group Expands Insurance Operations

NCBA Group PLC reported a net profit of Ksh5.5 billion for Q1 2025, driven by digital lending and strategic expansion. Notably, NCBA completed the integration of AIG Kenya Insurance, rebranding it to NCBA Insurance. This move aligns with NCBA’s ambition to capture a larger share of Kenya’s Ksh309 billion insurance market.

The group is enhancing digital insurance services, including AI-powered features on its CarDuka vehicle marketplace and expanded online platforms for SMEs and corporates. This strategic expansion represents a significant shift in the banking sector’s approach to insurance, leveraging existing customer relationships to cross-sell insurance products.

🏥Healthcare Insurance and Public-Private Partnerships

The Ministry of Health (MoH) has outlined progressive approaches to healthcare financing, emphasizing strategic public-private partnerships and scaling up programs like Linda Mama. These initiatives aim to improve access to health insurance and financial protection for vulnerable populations, signaling a shift towards more inclusive healthcare coverage in Kenya.

The focus on public-private partnerships represents a recognition that sustainable healthcare financing requires collaboration between government agencies and private sector players, including insurance companies. This approach is expected to enhance healthcare accessibility while reducing the financial burden on the government.

🌍Climate and Humanitarian Insurance Initiatives

Allianz, in collaboration with the UNHCR, is expanding climate risk insurance programs in Kenya and other regions. These initiatives are designed to provide timely payouts to vulnerable communities, such as smallholder farmers, when climate shocks like droughts occur.

The programs are being adjusted based on feedback from Kenyan farmers to ensure insurance payouts cover both loan repayments and the purchase of seeds for the next planting season, enhancing resilience and recovery. This represents a growing trend towards parametric insurance products that can provide rapid payouts based on predetermined triggers rather than traditional claim assessment processes.

Key Trends Shaping the Kenyan Insurance Sector in 2025

The insurance landscape in Kenya is being transformed by several key trends that are reshaping how insurers operate and serve their customers. Increased adoption of digital and mobile platforms for policy management is making insurance more accessible to tech-savvy consumers, while the growth in embedded and micro-insurance products is expanding coverage to previously underserved populations.

The introduction of green and climate risk insurance products, such as coverage for electric vehicles and climate-related crop risks, reflects the industry’s response to environmental challenges. There’s also an increased emphasis on trust, transparency, and personalized insurance offerings as companies compete for customer loyalty in an increasingly crowded market.

Leading Market Players

Leading insurers in the market include APA, Old Mutual, CIC, GA Insurance, Britam, and Jubilee Health, with strong performances in claims responsiveness, digital innovation, and customer service. These companies are setting the standard for service delivery and technological advancement in the sector.

💰Dividend News

CIC Insurance Group declared a final dividend of Ksh0.13 per share, reflecting stable performance and continued returns to shareholders. This dividend declaration demonstrates the company’s commitment to delivering value to investors while maintaining adequate reserves for business operations and growth.

📊Summary Table: Key Developments

Date Headline/Development Impact/Details
May 21-22 Invesco Assurance fraud case Ksh309M siphoned via secret account; top executives charged
Q1 2025 NCBA Group expands insurance (AIG Kenya integration) NCBA Insurance launched, targeting larger market share and digital innovation
May 22 MoH promotes public-private healthcare insurance partnerships Focus on scaling Linda Mama and inclusive health financing
May 22 Allianz expands climate/humanitarian insurance in Kenya Programs for farmers, displaced people; feedback-driven policy adjustments
May 2025 CIC Insurance Group dividend Final dividend of Ksh0.13 per share declared
May 2025 Industry trends Digitalization, micro-insurance, green products, personalized offerings

These developments highlight a dynamic insurance sector in Kenya, marked by regulatory scrutiny, digital transformation, new product offerings, and a growing focus on climate resilience and inclusive coverage. The industry continues to evolve rapidly, driven by technological advancement, changing consumer needs, and regulatory requirements that prioritize consumer protection and market stability.

🔗External References

Madison Livestock Insurance – Protect Your Valuable Animals

Madison Livestock Insurance – Protect Your Valuable Animals

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Madison Livestock Insurance – Protect Your Valuable Animals

Livestock farming plays a crucial role in Kenya’s agricultural economy, providing food, income, and employment. However, farmers face numerous risks such as disease outbreaks, theft, accidents, and natural disasters that can lead to significant financial losses. To mitigate these risks, Madison Livestock Insurance offers tailored coverage designed to protect your valuable animals and secure your investment. This insurance enables farmers to expand confidently, knowing their livestock is safeguarded against common perils.

Key Takeaways

  • Madison Livestock Insurance covers dairy cattle, beef cattle, security dogs, sheep, and goats
  • Protection against accidental death, terminal diseases, theft, and natural disasters
  • Premiums start from KES 5,000 per animal
  • Step by Step Insurance acts as your intermediary for personalized service
  • Insurance improves access to credit as policies can serve as alternative security

Table of Contents

What Does Madison Livestock Insurance Cover?

Madison Livestock Insurance covers a variety of livestock types and a wide range of risks, ensuring comprehensive protection for your animals.

Livestock Covered

Animal Type Coverage Eligibility
Dairy cattle Age 90 days to 8 years
Beef cattle Age 90 days to 8 years
Security dogs Age 90 days to 3 years
Sheep Age 60 days to 5 years
Goats Age 60 days to 5 years

Covered Risks

Risk Type Description
Accidental Death Including lightning strikes, internal and external injuries on the farm or during transit, fire, windstorms, snake bites, and flooding.
Diseases of Terminal Nature Protection against incurable diseases that lead to death.
Emergency Slaughter When advised by a registered veterinary surgeon to prevent undue suffering.
Calving Complications Losses resulting from difficulties during birthing.
Theft of Livestock Covers loss due to theft.
Epidemics Protection during disease outbreaks affecting multiple animals.

Policy Requirements

To apply for Madison Livestock Insurance, the following are required:

  • A recent veterinary and valuation report from a registered veterinary surgeon.
  • Identification of livestock through ear tags, tattoos, or bolus.
  • A completed application form and payment of the premium.
  • Age limits for insured animals:
    • Cattle: 90 days to 8 years
    • Goats & Sheep: 60 days to 5 years
    • Security Dogs: 90 days to 3 years

Policy Benefits

Madison Livestock Insurance offers several key benefits to farmers:

  • Investment Security: Farmers can invest more confidently in livestock production projects knowing their animals are protected.
  • Access to Loans: The insurance policy document is accepted by financial institutions as alternative security, improving farmers’ access to credit.
  • Risk Sharing: In the event of loss on financed livestock, both the farmer and the lending institution are protected financially, reducing potential losses.

What Is Not Covered?

Certain losses and conditions are excluded from coverage:

  • The first 10% of loss for each and every claim under general losses.
  • The first 20% of loss for theft claims.
  • Losses due to famine, malnutrition, and feed poisoning.
  • Losses from impotence and infertility.
  • Pre-existing diseases and deformities prior to policy inception.
  • Death caused by neglect or poor husbandry practices.

Policy Premiums

Premiums for Madison Livestock Insurance depend on:

  • The type of livestock insured.
  • The number of animals covered.
  • A minimum premium of KES 5,000 per animal applies.
  • The sum insured is determined based on the veterinary report provided.

Related Article

Learn about how the World Bank is supporting Kenyan livestock farmers with insurance payments.

Read More →

Related Article

Discover how index-based insurance protects Kenya’s informal sector.

Read More →

How Step by Step Insurance Supports You as an Intermediary

Step by Step Insurance acts as your trusted intermediary, simplifying the process of securing Madison Livestock Insurance and ensuring you get the right coverage for your needs.

  • Personalized Consultation: We assess your livestock portfolio and risk exposure to recommend the best insurance options.
  • Application Assistance: Our experts help you prepare veterinary reports, complete application forms, and submit premiums.
  • Policy Customization: We tailor your policy to fit your livestock type, numbers, and farm operations.
  • Ongoing Support: From policy renewals to claims assistance, we provide continuous support.
  • Claims Advocacy: We guide you through the claims process with APA to ensure timely and fair settlements.

Comparison with Other Insurance Providers

Feature Madison Livestock Insurance Other Providers
Minimum Premium KES 5,000 per animal Often higher minimum premiums
Age Range From 60-90 days up to 8 years (depending on animal) Usually more restrictive age ranges
Theft Coverage Included (20% excess) Often excluded or higher excess
Epidemic Coverage Included Sometimes excluded
Support Full support through Step by Step Insurance Varies by provider

Compare further with Madison’s official livestock insurance page for the most up-to-date information.

Frequently Asked Questions

Who is eligible for Madison Livestock Insurance?
Livestock owners with animals within the specified age limits and identification requirements.
What types of livestock are covered?
Dairy and beef cattle, security dogs, sheep, and goats.
Does the policy cover theft?
Yes, theft is covered subject to a 20% excess.
Are diseases covered?
Yes, diseases of terminal nature and epidemics are covered.
What documentation is required?
A recent veterinary and valuation report, livestock identification, completed application form, and premium payment.

Secure Your Livestock Investment Today

Protect your valuable animals with Madison Livestock Insurance and enjoy peace of mind knowing your investment is secure.

Get Quote Request Consultation

Conclusion

Madison Livestock Insurance is a vital tool for Kenyan farmers seeking to protect their livestock investments against a range of risks including accidental death, theft, disease, and natural disasters. With flexible coverage, clear policy requirements, and the support of Step by Step Insurance as your intermediary, you can confidently grow your livestock business while minimizing financial risks.

External Resources

Britam Fire and Burglary Insurance – Complete Protection for Your Home or Business

Britam Fire and Burglary Insurance – Complete Protection for Your Home or Business

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Britam Fire and Burglary Insurance – Complete Guide

Unexpected disasters like fire or burglary can devastate your home or business, causing financial loss and emotional stress. In Kenya, where such risks are ever-present, having a reliable insurance cover is essential for peace of mind and financial security. Britam Fire and Burglary Insurance is designed to provide affordable, flexible, and robust protection against these perils, ensuring you can recover quickly and get back on your feet after a loss.

Key Takeaways

  • 🔥 Britam Fire and Burglary Insurance offers comprehensive protection against fire, lightning, and theft for both residential and commercial properties
  • 💰 Flexible benefit options with fixed, transparent premiums make budgeting easier
  • 🏢 Available for homeowners, tenants, and businesses of all sizes (with some exceptions)
  • ⚡ Additional coverage includes debris removal, fire brigade charges, and optional business interruption protection
  • 🤝 Step by Step Insurance provides personalized support throughout the application and claims process

Table of Contents

What Is Britam Fire and Burglary Insurance?

Britam Fire and Burglary Insurance is a simple, affordable policy that covers loss or damage to your property caused by fire, lightning, and burglary. This cover is available for both individuals (homeowners and tenants) and businesses, making it a versatile solution for anyone looking to protect their premises and contents.

Who Can Take This Cover?

  • 🏠 Homeowners and tenants
  • 🏪 Business owners (small, medium, or large enterprises)
  • 🔒 Anyone seeking to protect their property and valuables from fire and theft

What Does Britam Fire and Burglary Insurance Cover?

Core Coverage

  • 🔥 Fire and Lightning: Covers loss or damage to property caused by fire or lightning strikes.
  • 🔓 Burglary: Covers loss or damage due to theft involving forcible or violent entry or exit from the premises.
  • ⚕️ Personal Accident: Fixed payout in case of accidental death or permanent total disability, as per the cover option chosen.

Business Interruption (Optional)

  • 🏢 Due to Fire & Other Perils: Lump sum payout as per the cover option chosen.
  • 🏥 Due to Hospitalisation: If the insured is hospitalized for at least 5 consecutive nights, a lump sum payout is made as per the cover option.

Additional Features

  • 📋 Flexible Benefit Options: Choose the sum insured and benefit options that suit your needs and budget.
  • 💵 Upfront Premiums: Fixed premiums quoted upfront for transparency and easy budgeting.
  • 🧹 Debris Removal: Covers costs for demolition and removal of debris after a covered loss.
  • 🚒 Fire Brigade Charges: Covers municipal or local authority charges for extinguishing fires.
  • 📝 All Other Contents: Includes coverage for documents, manuscripts, business books, employees’ personal effects, and more (within policy limits).
  • 🔄 Reinstatement of Loss: Policy remains in force for the full sum insured after a loss, subject to payment of additional premium.

Protect Your Property Today!

Don’t leave your home or business vulnerable to unexpected disasters.

GET QUOTE

How Are Claims Paid Out?

Base Benefit Pay-out

Claim Type Pay-out Calculation Excess Limit
Fire & Other Perils Lower of actual damage or benefit limit 10% of claim amount (Min: KES 1,000 for Option 1; KES 5,000 for Options 2-5)
Burglary Lower of actual damage or benefit limit 10% of claim amount (Min: KES 1,000 for Option 1; KES 5,000 for Options 2-5)
Personal Accident Fixed amount as per cover option Not Applicable

Optional Benefit Pay-out

  • 🏢 Business Interruption (Fire & Other Perils): Lump sum payout as per the cover option chosen.
  • 🏥 Business Interruption (Hospitalisation): Lump sum payout if hospitalized for 5 consecutive nights or more, as per the cover option.

Exclusions – What Britam Fire and Burglary Insurance Does NOT Cover

  • ❌ Excluded Businesses: Banks, forex bureaus, jewellery shops, manufacturing premises, beer/tobacco dealers and distributors, open air markets.
  • ❌ Fraudulent Claims: Any fraudulent claim or use of fraudulent means/devices forfeits all benefits under the policy.
  • ❌ Double Insurance: Loss or damage already covered by another policy.
  • ❌ Confiscation: Loss following confiscation by local authorities or damage by order of legally constituted authority.
  • ❌ Self-Inflicted Damage: Loss or damage to property due to its own fermentation, natural heating, spontaneous combustion, or undergoing any heating or drying process.
  • ❌ Cash and Securities: Loss of cash, currency, bank notes, or securities of any kind.
  • ❌ Rent Receivable/Payable: For the insured building.
  • ❌ Goods Held in Trust or on Commission: Not covered.
  • ❌ Illegal Trade: Any loss or damage arising from illegal activities.

Key Benefits of Britam Fire and Burglary Insurance

  • 💰 Affordable and Flexible: Suitable for individuals and businesses, with benefit options tailored to your needs.
  • 🛡️ Comprehensive Protection: Covers both fire and burglary, plus optional business interruption and personal accident cover.
  • ⚡ Quick Recovery: Ensures you can repair, replace, or rebuild quickly after a loss.
  • 😌 Peace of Mind: Know that your property and valuables are protected against two of the most common risks.
  • 📝 Simple Application: Easy to apply, with fixed premiums and clear benefit options.
Learn More About Fire & Burglary Risks

Understand the common home risks in Kenya and how insurance can protect you from fire and theft incidents.

Explore Common Risks →
Top Insurance Providers

Compare the best fire and burglary insurance providers in Kenya to make an informed decision.

View Top Providers →

Who Should Consider Britam Fire and Burglary Insurance?

  • 🏠 Homeowners and tenants wanting to protect their homes and belongings.
  • 🏪 Business owners needing to safeguard premises, stock, and equipment.
  • 🏢 Landlords and property managers seeking to protect rental properties.

How Step by Step Insurance Supports You as an Intermediary

Step by Step Insurance is your trusted partner in securing Britam Fire and Burglary Insurance. Here’s how we help:

  • 👥 Personalized Consultation: We assess your property and risk profile to recommend the right sum insured and benefit options.
  • 📋 Application Assistance: Our team guides you through the paperwork for a smooth and quick application process.
  • ⚙️ Policy Customization: We help you add optional covers like business interruption and adjust your policy as your needs change.
  • 🤝 Ongoing Support: From policy management to claims, we remain your point of contact for all matters related to your cover.
  • 📞 Claims Advocacy: In the event of a loss, we support you through the claims process to ensure timely and fair settlement.
  • 🔔 Regular Updates: We keep you informed about policy changes, renewal reminders, and relevant legal requirements.

Ready to Get Protected?

Speak with our insurance experts to find the right coverage for your needs.

REQUEST A CONSULTATION

Insurance Provider Comparison

See how Britam Fire and Burglary Insurance compares with other providers in the market:

Feature Britam Other Providers
Business Interruption Cover Included as optional benefit Often requires separate policy
Premium Transparency Fixed premiums quoted upfront Variable premiums based on assessment
Exclusions Clearly defined Often has more extensive exclusions
Personal Accident Cover Included in base cover Usually requires separate policy
Intermediary Support Comprehensive support via Step by Step Insurance Varies by provider

Learn more about why every Kenyan business needs fire and burglary insurance and how it can protect your investment.

Frequently Asked Questions

Can I insure only my contents or only the building?

Yes, you can choose to insure just your building, just your contents, or both.

Does the policy cover cash and documents?

No, loss of cash, currency, bank notes, or securities is excluded. Documents and business books are covered within policy limits.

What if I rent my premises?

You can insure your contents and cover rent payable if your premises become untenantable due to fire.

How are premiums calculated?

Premiums are fixed upfront based on the sum insured and benefit options you select.

What is the excess on claims?

10% of the claim amount, subject to a minimum of KES 1,000 (Option 1) or KES 5,000 (Options 2–5).

Conclusion

Britam Fire and Burglary Insurance is an affordable, flexible, and comprehensive solution for protecting your home or business from fire and theft. With clear payout structures, defined exclusions, and the support of Step by Step Insurance as your intermediary, you can enjoy true peace of mind knowing your property and valuables are secure.

Don’t Wait Until It’s Too Late

Secure your property with Britam Fire and Burglary Insurance today.

GET QUOTE NOW

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Learn More About Britam Insurance Products

Visit Britam’s official website for more information about their fire and burglary insurance products:

Britam Fire and Burglary Insurance

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© 2025 Step by Step Insurance. All Rights Reserved.

For more information about fire and burglary insurance or other insurance products, please contact our team.

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Mandatory Travel Health Insurance for Foreigners in Kenya: What You Need to Know in 2025

Mandatory Travel Health Insurance for Foreigners in Kenya: What You Need to Know in 2025

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Mandatory Travel Health Insurance for Foreigners in Kenya

Kenya is set to introduce a mandatory travel health insurance requirement for foreigners staying in the country for less than 12 months. This new policy, enforced under the Social Health Authority (SHA), aims to ensure that all non-Kenyan residents have valid health insurance coverage during their stay. The move is part of Kenya’s broader strategy to enhance health insurance uptake, improve healthcare access, and increase revenue collection within the health sector.

This directive follows a series of high-level discussions between Kenya’s Ministry of Health and the Ministry of Interior and Coordination of National Government, reflecting President William Ruto’s commitment to achieving Universal Health Coverage (UHC) by expanding insurance coverage to all people within Kenya’s borders. The Social Health Authority, launched in October 2024, replaces the older National Health Insurance Fund (NHIF) framework and introduces a more inclusive and regulated system for health insurance in Kenya.

Key Takeaways

  • All foreigners staying in Kenya for less than 12 months must register for travel health insurance under SHA
  • The policy aims to improve healthcare access and boost health sector revenue
  • Insurance covers medical emergencies, hospitalization, and COVID-19 treatment
  • Failure to comply may result in entry denial or legal penalties
  • Insurance costs vary by age, duration of stay, and coverage limits

Table of Contents

What is Mandatory Travel Health Insurance for Foreigners in Kenya?

Mandatory travel health insurance for foreigners in Kenya refers to the legal requirement that all non-Kenyan residents staying in Kenya for less than 12 months must register and maintain valid travel health insurance under the SHA. This insurance covers medical expenses incurred during their stay, protecting both the individual and the Kenyan healthcare system.

The Social Health Authority (SHA) is the regulatory body responsible for overseeing this insurance scheme. It ensures that insurance providers meet quality standards and that foreigners comply with registration and coverage requirements. This policy is designed to safeguard visitors from unexpected medical costs while promoting the uptake of health insurance products tailored to short-term residents.

Who Must Register Under the SHA?

The mandatory registration applies to:

  • Non-Kenyan residents who plan to stay in Kenya for less than 12 months. This includes tourists, business travelers, students, expatriates on short-term assignments, and other foreign nationals.
  • The requirement excludes Kenyan citizens and possibly diplomats or government officials under specific exemptions (though official exemptions remain to be clarified by the SHA).
  • Visitors staying longer than 12 months may be subject to different insurance or residency requirements, often involving more comprehensive health insurance coverage.

This broad scope ensures that the majority of foreign visitors and short-term residents are covered, reducing the burden on public health facilities and improving financial protection for both visitors and the healthcare system.

How Does the Registration Process Work?

The government is currently establishing an administrative framework to operationalize this policy. The registration process is expected to involve the following steps:

  1. Purchase a travel health insurance policy from an SHA-approved insurance provider. The Insurance Regulatory Authority (IRA) has compiled a list of licensed insurers authorized to offer these policies.
  2. Submit registration details to the Social Health Authority, either online or at designated offices, including proof of insurance and personal identification.
  3. Receive a registration confirmation or certificate, which may be required for immigration clearance or other official processes.
  4. Maintain valid coverage throughout the stay in Kenya, with renewal options available for extended visits.

Applicants will need to provide documents such as passports, visas, and insurance certificates. The government is working to streamline the process to avoid delays at entry points and ensure compliance without inconveniencing travelers.

Why is Kenya Requiring Mandatory Travel Health Insurance for Foreigners?

Several key reasons underpin this new requirement:

  • Enhancing Insurance Uptake: Kenya aims to increase the number of insured individuals to support its Universal Health Coverage goals. Foreign visitors represent a significant uninsured population that can benefit from coverage.
  • Improving Healthcare Access: With insurance, foreigners can access timely medical care without financial hardship, reducing the risk of unpaid medical bills and strain on public hospitals.
  • Boosting Revenue Collection: The government expects that mandatory insurance will generate additional revenue for the healthcare sector, supporting infrastructure and service improvements.
  • Aligning with Global Best Practices: Many countries, including Schengen states in Europe, require travelers to have valid travel health insurance. Kenya’s policy aligns it with these international standards, enhancing visitor safety and confidence.

What Does Travel Health Insurance Cover in Kenya?

Travel health insurance policies compliant with SHA requirements typically cover:

  • Medical emergencies and hospitalisation: Including accidents, sudden illnesses, and urgent care.
  • COVID-19 and infectious diseases: Testing, treatment, and quarantine costs related to pandemics.
  • Repatriation and medical evacuation: Transport back to the home country or to specialized facilities.
  • Outpatient and inpatient services: Doctor visits, diagnostic tests, surgeries, and medications.
  • Exclusions: Routine check-ups, pre-existing conditions (depending on policy), cosmetic procedures, and non-medical expenses.

This comprehensive coverage ensures that foreigners can access essential healthcare services without incurring prohibitive costs during their stay.

How Much Does Mandatory Travel Health Insurance Cost in Kenya?

The cost of travel health insurance varies depending on several factors:

Factor Impact on Cost
Duration of stay Longer stays generally cost more
Age of the insured Older travelers may pay higher premiums
Coverage limits Higher coverage limits increase premiums
Medical history Pre-existing conditions may raise costs
Insurance provider Prices vary between providers

Typical premiums for short-term travel health insurance in Kenya start from a few thousand Kenyan shillings (Kshs 2,500 and above), making it affordable for most visitors.

Travel Insurance Options Comparison

Features Basic Plan Standard Plan Premium Plan
Starting Price Kshs 2,000 Kshs 3,500 Kshs 5,000
Medical Coverage Up to $10,000 Up to $50,000 Up to $100,000
Evacuation
Pre-existing Conditions Limited
COVID-19 Coverage Basic Standard Comprehensive
More Information Learn More Learn More Learn More

What Happens If You Don’t Register Your Travel Health Insurance?

Failure to comply with the mandatory travel health insurance requirement can lead to:

  • Legal penalties: Fines or other sanctions as stipulated by Kenyan law.
  • Denial of entry or visa issuance: Immigration authorities may refuse entry to travelers without valid insurance.
  • Restricted access to healthcare: Without insurance, foreigners may face high out-of-pocket costs or be denied non-emergency medical services.
  • Potential deportation: In extreme cases, non-compliance could result in removal from the country.

Therefore, registering and maintaining valid travel health insurance is crucial for all foreigners planning to visit or stay in Kenya for less than 12 months.

How to Choose the Right Travel Health Insurance for Kenya

When selecting a travel health insurance policy for Kenya, consider the following:

  • Compliance with SHA regulations: Ensure the insurer is approved by the Insurance Regulatory Authority and the policy meets SHA standards.
  • Coverage scope: Look for policies that cover emergencies, COVID-19, evacuation, and repatriation.
  • Cost-effectiveness: Compare premiums, deductibles, and coverage limits.
  • Claims process: Choose insurers with a reputation for fast and fair claims handling.
  • Customer support: Availability of 24/7 assistance and multilingual support.

Many local and international insurers now offer SHA-compliant products tailored to Kenya’s requirements. Consulting with a trusted insurance broker or agency can help you find the best option.

Need Help Finding the Right Travel Insurance for Kenya?

Get expert advice and compare quotes from approved providers.

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Frequently Asked Questions about Mandatory Travel Health Insurance for Foreigners in Kenya

Can I use my home country’s insurance policy?

Only if the policy is registered and approved under the SHA framework. Otherwise, you must purchase local or SHA-recognized insurance.

How do I prove my insurance is registered under SHA?

You will receive a registration certificate or digital confirmation that you can present at immigration or healthcare facilities.

What if my stay extends beyond 12 months?

You may need to transition to a different insurance scheme, possibly under Kenya’s broader health insurance programs.

Are tourists required to register?

Yes, all non-Kenyan residents staying less than 12 months, including tourists, must register.

Can I renew or extend my insurance while in Kenya?

Yes, most providers offer renewal options to cover extended stays.

Tips for a Smooth Registration and Stay in Kenya

  • Prepare your documents before arrival, including passport, visa, and proof of insurance.
  • Purchase insurance early to avoid delays at entry points.
  • Keep digital and printed copies of your insurance certificate.
  • Familiarize yourself with emergency contacts and SHA support channels.
  • Consult with your insurance provider about coverage specifics and claims procedures.

Conclusion: Stay Protected and Compliant with Mandatory Travel Health Insurance in Kenya

Kenya’s new mandatory travel health insurance for foreigners policy marks a significant step toward universal health coverage and improved healthcare access for all within its borders. By requiring non-Kenyan residents staying less than 12 months to register their travel health insurance under the SHA, Kenya protects visitors from unexpected medical costs while strengthening its healthcare system.

Foreign visitors should prioritize obtaining SHA-compliant travel health insurance before arrival to ensure a hassle-free entry and stay. This policy not only safeguards your health but also contributes to Kenya’s vision of a healthier, more inclusive nation.

  • Visit the Social Health Authority (SHA) official website for registration guidelines.
  • Contact Step by Step Insurance for expert advice and assistance with travel health insurance.
  • Read more about Kenya’s Universal Health Coverage initiatives and healthcare reforms.

By understanding and complying with Kenya’s mandatory travel health insurance requirements, foreigners can enjoy their stay with peace of mind, knowing they are protected and contributing to Kenya’s health sector sustainability.

More Resources on Travel Insurance in Kenya

APA Globetrotter Travel Insurance Guide – Cheapest Travel Insurance in Kenya Nairobi
Travel Insurance: Your Travel Saver – What Does a Good Policy Look Like in Kenya?
Get Travel Insurance From As Low As Kshs 2000 For 7 Days in Kenya – Affordable Travel Insurance

External References

Kenya to Begin Registering Foreigners for Travel Health Insurance Under SHA – Kenyans.co.ke
Jubilee’s Goods in Transit Insurance – Comprehensive Protection for Your Goods on the Move

Jubilee’s Goods in Transit Insurance – Comprehensive Protection for Your Goods on the Move

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Understanding Jubilee’s Goods in Transit Insurance with Step by Step Insurance

Transporting goods—whether for business or personal reasons—comes with significant risks. Accidents, theft, fires, and other unforeseen events can result in substantial financial losses. Jubilee’s Goods in Transit Insurance is designed to safeguard your goods from the moment they leave your premises until they reach their final destination. With Kenya’s busy roads and the importance of reliable logistics, this cover is essential for individuals and businesses that regularly move goods by road or rail.

📋 Key Takeaways

  • Jubilee’s Goods in Transit Insurance provides comprehensive protection for your goods during transportation
  • Coverage includes accidents, theft, fire, and damage during loading and unloading
  • Suitable for businesses and individuals moving goods by road or rail
  • Flexible policy options including single transit or annual cover
  • Step by Step Insurance acts as your trusted intermediary to streamline the insurance process

📑 Table of Contents

What Is Jubilee’s Goods in Transit Insurance?

Jubilee’s Goods in Transit Insurance is a specialized policy that protects goods against loss, destruction, or damage while they are being transported by land. The cover applies from the time goods leave the insured premises until final delivery, ensuring continuous protection throughout the journey.

This insurance is suitable for:

  • Individuals moving personal goods
  • Businesses transporting stock, raw materials, or finished products
  • Logistics providers and transport companies

Need to protect your goods during transportation? Learn why every Kenyan transport and logistics company needs this coverage.

What Does Jubilee’s Goods in Transit Insurance Cover?

Core Coverage

Jubilee’s policy covers loss or damage to goods caused by a wide range of risks, including:

  • 🚨 Accidents (including collision and overturning)
  • 🔒 Theft
  • 🔥 Fire
  • ⚠️ Destruction or damage from named perils
  • 📦 Loss during loading, offloading, or while in transit

The policy protects goods transported by:

  • Heavy and light lorries
  • Omnibuses
  • Motor cars
  • Rail (for inland transit policies)

Types of Cover

There are two main types of cover under this policy:

  1. Inland Transit (All Risks) Clause
    Covers all risks of loss or damage to insured goods while in transit by road or rail.
  2. Inland Transit Clause (Lorry Clause)
    Covers loss or damage to goods in transit by road or rail caused by fire, lightning, breakdown of bridges, collision, overturning, or derailment. (Note: Theft is not covered under this clause.)

Additional Features

  • Temporary Storage: Coverage also applies while goods are temporarily housed in the ordinary course of transit within the territorial limits.
  • Specified or Unspecified Vehicles: Policies can be tailored for single trips, specified vehicles, or cover all transits within a policy period.

Concerned about the risks of not having proper insurance? Don’t let your cargo go off track.

Key Benefits of Jubilee’s Goods in Transit Insurance

  • 🛡️ Comprehensive Protection: Covers a broad range of risks, including accidents, fire, theft, and more.
  • 🔄 Flexible Options: Choose between single transit or annual cover, and specify vehicles or opt for blanket coverage.
  • ⏱️ Business Continuity: Minimizes financial loss and disruption to your business operations in the event of damage or loss.
  • 😌 Peace of Mind: Know that your goods are protected from the time they leave your premises until they reach their destination.
  • 🚚 Tailored for All Transporters: Suitable for individuals, small businesses, and large logistics operations.
Related Resources Why It Matters
Kenya as East Africa’s Logistics Hub Learn how Kenya’s position as a logistics hub makes goods in transit insurance essential
Risks of Not Having Goods in Transit Insurance Understand the potential financial implications of uninsured goods
Why Every Transport Company Needs This Cover Discover why this insurance is a must-have for logistics businesses

How Does Jubilee’s Goods in Transit Insurance Work?

Policy Options

  • Single Transit Policy: Covers a one-time movement of goods from one location to another.
  • Annual Policy: Covers all transits during the policy period, either for specified vehicles (with a per-vehicle limit) or on an unspecified basis (with a provisional premium adjusted at year-end).

Claims and Premiums

  • Premiums: Calculated based on the value of goods, type of cover, frequency of transit, and risk factors.
  • Excess: The insured bears a certain amount (excess) before Jubilee indemnifies the loss.
  • Contribution: If there’s another policy covering the same goods, Jubilee pays only its proportion of the claim.

Who Should Consider Jubilee’s Goods in Transit Insurance?

  • Manufacturers and wholesalers moving goods between warehouses or to retailers
  • Retailers receiving stock from suppliers
  • Transport and logistics companies carrying goods for clients
  • Importers/exporters moving goods within Kenya by road or rail
  • Individuals relocating or sending valuable items

Kenya serves as a major logistics hub for East Africa. Learn how goods in transit insurance comes in handy for businesses operating in this dynamic environment.

Coverage Comparison

Feature Inland Transit (All Risks) Inland Transit (Lorry Clause)
Accidents ✅ Covered ✅ Covered
Fire ✅ Covered ✅ Covered
Theft ✅ Covered ❌ Not Covered
Loading/Unloading ✅ Covered ✅ Covered
Temporary Storage ✅ Covered ✅ Covered
Premium Cost Higher Lower

Frequently Asked Questions

What types of goods can be covered?

Most types of goods, including raw materials, finished products, machinery, and personal belongings, can be insured. Hazardous or high-value items may require special terms.

Does the policy cover theft?

Yes, theft is covered under the All Risks clause but not under the Lorry Clause.

Can I get cover for a single trip?

Yes, the Single Transit Policy is designed for one-off movements.

Does the policy cover goods during loading and unloading?

Yes, coverage extends to goods while loading, offloading, and in temporary storage during transit.

How Step by Step Insurance Acts as Your Trusted Intermediary

Choosing the right goods in transit cover can be complex. Step by Step Insurance acts as your dedicated intermediary, making the process easy and ensuring you get the best protection for your needs.

Our role includes:

  • 📋 Needs Assessment: We help you evaluate your transit risks and recommend the most suitable policy option.
  • 📝 Application Assistance: Guidance through documentation and the application process for quick approval.
  • ⚙️ Policy Customization: Tailoring cover for your specific goods, routes, and risk profile.
  • 🔄 Ongoing Support: We assist with policy management, renewals, and any changes as your business grows.
  • 🛡️ Claims Advocacy: In case of loss or damage, we help you navigate the claims process with Jubilee for a smooth and fair settlement.

With Step by Step Insurance, you benefit from expert advice, personalized service, and peace of mind knowing your goods are in safe hands throughout their journey.

Ready to Secure Your Goods in Transit?

Our insurance experts are ready to help you find the perfect coverage solution for your transportation needs.

📞 Request a Consultation 💰 Get a Quote

Conclusion

Jubilee’s Goods in Transit Insurance is an essential safeguard for anyone moving goods by road or rail in Kenya. With flexible policy options, comprehensive risk protection, and the support of a trusted intermediary like Step by Step Insurance, you can focus on your business or personal needs without worrying about unexpected losses. Protect your goods on the move—choose Jubilee and Step by Step Insurance for reliable, stress-free transit cover.

External Resources

🔗 Jubilee Insurance – Goods in Transit Product Page
Britam Home Insurance – The Complete Guide to Protecting Your Home and Valuables

Britam Home Insurance – The Complete Guide to Protecting Your Home and Valuables

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Britam Home Insurance: Comprehensive Protection for Your Kenyan Home

Your home is your sanctuary, your family’s haven, and likely your most valuable asset. In Kenya, unpredictable events such as fire, theft, floods, or accidental damage can have devastating financial and emotional consequences. Britam Home Insurance is designed to provide comprehensive protection for your home, its contents, and your loved ones, ensuring you have the financial support to recover and rebuild when disaster strikes. As one of the leading financial services providers in Kenya and the wider region, Britam offers a robust home insurance solution that stands out for its breadth of coverage, flexibility, and customer-focused benefits.

Key Takeaways

  • Britam Home Insurance provides comprehensive coverage for buildings, contents, and portable valuables
  • The policy includes unique benefits like loyalty bonuses, alternative accommodation, and trauma support
  • Mandatory protection for domestic workers under WIBA is included
  • Flexible options allow you to tailor coverage to your specific needs
  • Step by Step Insurance offers expert guidance throughout the entire insurance process

Table of Contents

What Is Britam Home Insurance?

Britam Home Insurance is a package policy that covers accidental loss or damage to your residential building, household contents, and portable valuables. It also incorporates personal liability protection for you and your household, as well as mandatory cover for domestic servants under the Work Injury Benefits Act (WIBA). This policy is designed to give you peace of mind, knowing that if an unexpected event occurs, you have financial protection in place to help you recover and rebuild.

Britam’s home insurance can be tailored to cover only your building, only your contents, or both, depending on your needs. The policy is split into several sections, each catering to different insurable interests within your home.

What Does Britam Home Insurance Cover?

Britam Home Insurance is structured as a comprehensive package, with each section addressing a specific aspect of home protection. Here’s a detailed look at each section and its coverage:

1. Residential Buildings

Covers the physical structure of your home, including:

  • Landlord’s fixtures and fittings
  • Walls, gates, fences, and swimming pools
  • All structures on the same premises

Risks covered:

  • Fire
  • Natural causes (earthquake, storm, lightning)
  • Human causes (riot, strike, malicious damage)
  • Explosions (e.g., domestic gas cylinders)
  • Miscellaneous (bursting and overflowing of water tanks, pipes, impact by vehicles/animals)

2. Household Contents

Covers the contents of your home, such as:

  • Furniture, household goods, and personal effects
  • Property of the insured or any family member residing with them
  • Fixtures and fittings for which you are legally responsible

Risks covered:

  • Fire and theft (following forcible entry/exit)
  • Natural disasters
  • Accidental damage
  • Malicious acts and explosions
  • Water damage and impact by vehicles/animals

3. All Risks (Portable & Valuable Items)

Covers accidental damage and theft of specified portable items, including:

  • Jewelry
  • Electronics (mobile phones, laptops, tablets, cameras)
  • Other valuables that are carried outside the home

This section ensures your prized possessions are protected even when you’re on the move.

4. Work Injury Benefits Act (WIBA) – Domestic Servants

Covers domestic workers (house helps, watchmen, gardeners, drivers) for injury, death, or disease arising out of and during their employment. This is a mandatory cover for all employers under Kenyan law.

5. Employer’s Liability

Indemnifies the insured against liability under common law for injury, death, or disease of domestic workers in the course of employment, up to a limit of KES 500,000.

6. Owner’s Liability

Protects you against legal liability for:

  • Accidental bodily injury to third parties
  • Accidental loss or damage to third-party property

7. Occupier’s Liability

Covers the home occupier against legal liability for accidental bodily injury or accidental loss/damage to third-party property while at your private dwelling.

Additional Benefits and Unique Features

Britam Home Insurance stands out for its value-added benefits, designed to go beyond standard coverage:

  • Cash Back House Painting Loyalty Bonus: Get a house painting bonus if you remain claim-free for three years.
  • Premium Discount: Enjoy a 7.5% discount when you pay three years’ premiums in advance.
  • Loss of Rent Cover: Compensation for lost rent while your building is under refurbishment after a covered peril.
  • Alternative Accommodation: Covers the cost of alternative housing if your home becomes uninhabitable due to a covered event.
  • Free Medical Expenses: For guests and domestic employees following a peril or animal attack, up to the stated limit.
  • Fire Extinguishing Costs: Reimbursement for costs incurred in extinguishing a fire, including fire engine and municipal charges.
  • Refrigerator Contents: Compensation for loss or damage to goods in a refrigerator due to breakdown, explosion, or power failure.
  • Handbag Benefit: Consolation benefit for loss or damage to handbags during a mugging or smash-and-grab incident.
  • Death Benefit: KES 100,000 paid out following a peril.
  • Personal Accident Cover: For your family members.
  • Trauma Treatment and Spa Experience: Support following a burglary or fire incident.
  • Golfers’ Equipment and Liability: Includes cover for golfing equipment, “hole in one” celebrations, caddy’s medical expenses, and third-party liability.

Why Choose Britam Home Insurance?

Britam Home Insurance is a market leader for several reasons:

  • Comprehensive Coverage: Protects your building, contents, valuables, and legal liabilities.
  • Flexibility: Choose the sections and sums insured that suit your needs.
  • Value-Added Benefits: Loyalty bonuses, alternative accommodation, and more.
  • Trusted Brand: Britam is a leading insurer with a strong reputation in Kenya and across Africa.
  • Peace of Mind: Know that your home and loved ones are protected against a wide range of risks.

Comparison: Britam Home Insurance vs. Typical Home Insurance

Feature/Benefit Britam Home Insurance Typical Home Insurance
Building & Contents Cover Yes Yes
All Risks/Portable Valuables Yes Sometimes
Domestic Worker Protection Yes (WIBA) Sometimes
Owner/Occupier Liability Yes Sometimes
Loyalty & Painting Bonus Yes Rare
Premium Discount (3 yrs) Yes (7.5%) Rare
Alternative Accommodation Yes Sometimes
Free Medical Expenses Yes Rare
Fire Extinguishing Costs Yes Rare
Refrigerator Contents Yes Rare
Handbag/Mugging Benefit Yes Rare
Trauma Support Yes Rare
Golfers’ Equipment & Liability Yes Rare

Related Resources

Holiday Protection Tips How Home Insurance Keeps You Covered While Away
First-Time Homebuyers Best Tips for First-Time Homebuyers in Kenya
Home Protection Guide Best Home Insurance in Kenya: Protecting Your Most Valuable Asset

Frequently Asked Questions (FAQs)

Who can take Britam Home Insurance?

Any homeowner, tenant, or landlord seeking to protect their property, contents, and legal liabilities.

Can I insure only my home contents?

Yes, you can select to insure only your contents, only your building, or both.

What is the minimum premium?

Premiums are tailored based on the value of your property and contents. Contact Britam or your insurance intermediary for a personalized quote.

Does the cover include accidental damage?

Yes, accidental damage to both buildings and contents is covered.

How do I make a claim?

Contact Britam’s customer service or your insurance intermediary. Provide details and documentation of the loss or damage for prompt processing.

Are domestic workers covered?

Yes, under the WIBA section, all domestic workers are protected as required by law.

How Step by Step Insurance Supports You as an Intermediary

Step by Step Insurance acts as your expert guide and advocate in securing Britam Home Insurance. Here’s how we help:

  • Personalized Consultation: We help you assess your property, valuables, and risk profile to tailor the right Britam Home Insurance package for your needs.
  • Application Assistance: Our team guides you through paperwork, documentation, and the application process to ensure accuracy and speed.
  • Policy Customization: We help you select the right sections, sums insured, and additional benefits.
  • Ongoing Support: From policy management to claims, we remain your point of contact for all matters related to your plan.
  • Claims Advocacy: In the event of a loss, we assist you in navigating the claims process with Britam, ensuring timely and fair payouts.
  • Regular Updates: We keep you informed about policy changes, new benefits, and relevant legal requirements.

By working with Step by Step Insurance, you enjoy a seamless experience, expert advice, and peace of mind knowing your home is fully protected.

Tips for Maximizing Your Britam Home Insurance

  • Review Your Policy Annually: Ensure your sums insured reflect the current value of your home and possessions.
  • Bundle Covers: Combine building, contents, and all-risks for comprehensive protection.
  • Maintain Security: Install locks, alarms, and other security measures to reduce risk and possibly lower premiums.
  • Keep Records: Maintain an inventory of valuables and receipts for easier claims processing.
  • Stay Claim-Free: Take advantage of loyalty bonuses and discounts for claim-free years.

Real-Life Scenario: Britam Home Insurance in Action

Case Study:

After a major storm, Jane’s home suffers severe water damage, making it uninhabitable. Thanks to Britam Home Insurance, she receives compensation for repairs, alternative accommodation costs, and even reimbursement for spoiled food in her refrigerator. When her house help is injured during the clean-up, the WIBA section covers medical expenses. Jane’s family is able to recover quickly and comfortably, without financial strain.

Conclusion

Britam Home Insurance is a robust, flexible, and customer-centric solution for protecting your home, valuables, and loved ones from life’s uncertainties. With extensive coverage, unique value-added benefits, and the support of a trusted intermediary like Step by Step Insurance, you can enjoy true peace of mind knowing your haven is secure.

Ready to Protect Your Home?

Get comprehensive Britam Home Insurance coverage today with expert guidance from Step by Step Insurance.

Request a Consultation Get Quote
ICEA Lion’s Usomi Bora – A Comprehensive Education Insurance Plan for Kenyan Families

ICEA Lion’s Usomi Bora – A Comprehensive Education Insurance Plan for Kenyan Families

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ICEA Lion Usomi Bora Education Insurance

Education is one of the greatest investments you can make for your child’s future. With the cost of quality schooling rising every year in Kenya, planning ahead is not just wise-it’s essential. The ICEA Lion Usomi Bora Education Insurance is a unique life insurance policy that empowers you to save systematically for your child’s education, while also providing a strong protection component in case of life’s uncertainties. This comprehensive guide will help you understand how Usomi Bora works, its features, benefits, and how Step by Step Insurance can support you as a trusted intermediary.

Key Takeaways

  • Usomi Bora combines education savings with life insurance protection
  • Minimum premium of KES 2,000 per month with flexible payment options
  • Premium waiver benefit ensures continued coverage if policyholder passes away
  • Tax-free maturity payouts with options for lump sum or installment payments
  • 15% tax relief benefit for policyholders

Table of Contents

What Is Education Insurance and Why Choose Usomi Bora?

Education insurance is a special type of life insurance policy designed to help you save for your child’s education over a set period-monthly, quarterly, or annually-so you can afford the quality of education you desire. What sets education insurance apart from regular savings is its protection aspect: if the policyholder passes away, the insurance pays out the intended amount to your nominated beneficiaries, ensuring your child’s education dreams continue uninterrupted.

At ICEA Lion, this product is called Usomi Bora. It’s structured to combine disciplined savings with life insurance, giving you peace of mind that your child’s future is secure, no matter what happens.

Factors to Consider When Purchasing Education Insurance

When choosing an education insurance policy like Usomi Bora, consider the following:

  • Type of School: Will your child attend a public or private institution?
  • Curriculum: Are you planning for CBC, 8-4-4, IGCSE, or another system?
  • Premium Affordability: How much can you set aside regularly, factoring in the future cost of education and inflation?
  • Policy Duration: When do you want the policy to start paying out? This could be at primary, secondary, or tertiary level, depending on your child’s age and the education system.
  • Flexibility: Can you adjust your premium if your income changes?

Usomi Bora allows you to save for a minimum of 8 years and a maximum of 17 years, giving you flexibility to align the plan with your child’s education milestones.

Key Features of ICEA Lion Usomi Bora Education Insurance

1. Affordability and Flexibility

Minimum Premium: If you lose your source of income, you can reduce your premium payments to as low as KES 2,000 per month, and revise them upwards when your circumstances improve.

Flexible Payment Options: Choose to pay monthly, quarterly, or annually-ideal for both salaried and self-employed individuals.

2. Premium Waiver on Death

In the unfortunate event of your demise, ICEA Lion takes over the payment of premiums until the policy matures.

At maturity, your beneficiary (usually your child) receives the Sum Assured plus accrued bonuses.

3. Savings Growth with Bonuses

Usomi Bora combines life cover with investment. Your premium contributions earn interest, paid back as terminal and reversionary bonuses.

The Sum Assured is guaranteed, while bonuses are based on market performance.

4. Flexible Maturity Payouts

You can choose to receive your maturity value as:

  • A lump sum
  • Four (4) equal annual installments
  • Eight (8) termly payments, structured according to the Kenyan academic calendar

5. Tax-Free and Tax Relief Benefits

The full Sum Assured is paid tax-free at maturity.

Employed policyholders can get a 15% tax relief each month by informing their HR department. Self-employed individuals can claim the same from KRA.

6. Guarantee Your Child’s Education

The policy ensures your child’s education continues even in your absence.

ICEA Lion recommends considering estate planning or setting up a trust to ensure the funds are used as intended.

How Step by Step Insurance Supports You as a Trusted Intermediary

Step by Step Insurance acts as your expert guide and advocate in securing the ICEA Lion Usomi Bora Education Insurance. Here’s how we add value:

  • Personalized Consultation: We help you assess your education goals, budget, and timeline to tailor the right Usomi Bora plan for your family.
  • Application Assistance: Our team guides you through paperwork, documentation, and the application process to ensure accuracy and speed.
  • Policy Customization: We help you adjust your premium, term, and payout structure as your circumstances change.
  • Ongoing Support: From policy management to claims, we remain your point of contact for all matters related to your plan.
  • Claims Advocacy: In the event of death or disability, we assist your family in navigating the claims process with ICEA Lion, ensuring timely and fair payouts.
  • Regular Updates: We keep you informed about policy changes, bonus declarations, and relevant tax relief updates.

Related Education Insurance Resources

Education Insurance: The Ultimate Back-to-School Essential How to Choose the Right Education Insurance Policy
Education Insurance vs. Traditional Savings Top 5 Education Insurance Policies in Kenya

Comparing Usomi Bora with Other Education Insurance Plans

Feature Usomi Bora (ICEA Lion) Britam Boresha Elimu Jubilee Career Life Plus
Minimum Premium KES 2,000 KES 1,500 KES 3,000
Policy Term 8–17 years 6–18 years 5–20 years
Death Benefit Sum assured + waiver Sum assured + waiver Sum assured + waiver
Payout Flexibility Lump sum, installments 3 lump sums Lump sum or annual
Bonus Structure Terminal & reversionary Guaranteed bonuses Annual bonuses
Tax Relief Yes (15%) Yes Yes

When to Choose Usomi Bora:

  • If you want flexible payout options aligned with school terms.
  • If you value the ability to reduce premiums during difficult times.
  • If you want both guaranteed and performance-based bonuses.

Compare With Other Education Insurance Plans

Old Mutual Elimika Education Plan Jubilee’s Career Life Plus Britam’s Boresha Elimu Plan

Frequently Asked Questions

Who is eligible for Usomi Bora?

Any parent or guardian with an insurable interest in the child, subject to ICEA Lion’s underwriting and age limits.

What if I lose my income?

You can reduce your premium to as low as KES 2,000 and increase it again when your situation improves.

What happens if I pass away during the policy term?

ICEA Lion waives all future premiums and pays the sum assured plus bonuses to your beneficiary at maturity.

Can I change my premium or term?

Yes, you can revise your premium upwards or downwards as your financial position changes.

How are bonuses paid?

Bonuses are declared annually and paid at maturity, subject to market performance.

How do I claim tax relief?

Inform your employer’s HR department or claim directly from KRA if self-employed.

Tips for Maximizing Usomi Bora’s Value

  • Start Early: The longer you save, the greater your potential bonuses and growth.
  • Align Policy Term with Education Milestones: Match payouts with when your child will need school fees.
  • Use Flexible Payment Options: Choose a payment schedule that fits your income pattern.
  • Review Annually: Adjust your premium or term as your child grows or your finances change.
  • Consider Estate Planning: Set up a trust to ensure funds are used for your child’s education.

Real-Life Scenario: Usomi Bora in Action

Case Study:

Mary, a 32-year-old mother, starts a Usomi Bora policy when her son is 5. She pays KES 3,000 monthly for 12 years. When her son joins secondary school, the policy matures. Mary chooses to receive payouts in eight termly installments, perfectly matching school fee deadlines. Tragically, if Mary were to pass away during the policy, ICEA Lion would continue paying her premiums, and her son would still receive all the benefits as planned, ensuring his education is never interrupted.

Conclusion

The ICEA Lion Usomi Bora Education Insurance is a robust, flexible, and affordable way for Kenyan families to secure their children’s educational future. With guaranteed savings, life protection, flexible payouts, and tax benefits, Usomi Bora stands out as a top choice for education planning. By partnering with Step by Step Insurance, you gain expert guidance, seamless policy management, and peace of mind that your child’s education is protected no matter what life brings.

Ready to secure your child’s education with ICEA Lion Usomi Bora?

Contact Step by Step Insurance for a free consultation and personalized guidance.

Request a Quote Contact Us

External Resources

For more information about the ICEA Lion Usomi Bora Education Insurance plan, you can download the official brochure:

Download ICEA Lion Usomi Bora Brochure
CIC Academia Policy – Comprehensive Education Insurance to Secure Your Child’s Future in Kenya

CIC Academia Policy – Comprehensive Education Insurance to Secure Your Child’s Future in Kenya

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CIC Academia Policy – Securing Your Child’s Education

Education is one of the most critical investments parents make, yet rising school fees and unforeseen life events can disrupt even the best-laid plans. The CIC Academia Policy is a tailored education insurance product designed to help Kenyan families save systematically for their children’s education while providing vital life insurance protection. Offered by CIC Insurance Group, a leading insurer in Kenya, this plan combines savings and risk cover to ensure your child’s education continues uninterrupted, regardless of financial or personal challenges.

Key Takeaways

  • CIC Academia combines education savings with life insurance protection
  • Flexible policy terms from 9-18 years with premium payments of 5-14 years
  • Affordable monthly premiums starting from KShs 2,000
  • Continues to provide benefits even if policyholder dies or becomes disabled
  • Eligible for tax relief of up to KShs 5,000 per month
  • Step by Step Insurance offers expert guidance as an intermediary

Table of Contents

What Is CIC Academia Policy?

The CIC Academia Policy is a combination of insurance protection and savings, structured as an endowment policy aimed at funding education expenses for children of any age. It offers a flexible policy term ranging from 9 to 18 years, with premium payment terms between 5 and 14 years. The policy is designed to provide guaranteed returns through partial and final maturity benefits, aligning payouts with your child’s educational milestones.

This plan is particularly suitable for Kenyan parents and guardians who want a disciplined savings mechanism coupled with protection against risks such as death or permanent disability of the policyholder. Read more about why education insurance is essential for parents.

Key Features of CIC Academia Policy

Policy Flexibility

  • Policy Term: Flexible terms from 9 to 18 years, allowing alignment with your child’s education timeline.
  • Premium Payment Term: Between 5 and 14 years.
  • Minimum Premium: Monthly premiums start as low as KShs 2,000 to KShs 3,000, making it affordable for many families.

Financial Benefits

  • Guaranteed Returns: Partial maturity benefits paid after premium payment term, with final maturity benefits paid later.
  • Tax Relief: Eligible for government tax relief of 15% of the monthly premiums, up to a maximum of KShs 5,000 per month.

Protection Coverage

  • Death and Permanent Disability Cover:
    • Immediate payment of 50% of the sum assured upon death or permanent disability of the policyholder.
    • Accrued bonuses paid out.
    • Waiver of all future premiums, ensuring the policy continues without interruption.
  • Flexible Beneficiary Options: If the child beneficiary dies, the policyholder can nominate another child or claim a refund of premiums paid.
  • Surrender Option: The policy can be surrendered after 3 years, providing some liquidity.

How CIC Academia Policy Works

The policyholder pays premiums for a selected term (5-14 years). After the premium payment period ends, the policy enters a maturity phase during which partial maturity benefits are paid out over four years. These staged payments help cover school fees at different education stages such as secondary school and university.

If the policyholder dies or suffers total permanent disability during the premium payment term, CIC pays 50% of the sum assured immediately, all accrued bonuses, and waives future premiums. This ensures the child’s education fund grows uninterrupted and the full benefits are paid at maturity.

Not sure if this is the right plan? Learn how to choose the right education insurance policy for your child.

Benefits of CIC Academia Policy

  • Guaranteed Education Funding: Provides structured savings with guaranteed payouts at key education stages.
  • Life and Disability Protection: Protects your child’s education if you are unable to continue payments due to death or disability.
  • Affordable Premiums: Low entry premiums make it accessible to many Kenyan families.
  • Flexible Terms: Choose policy and premium terms that suit your child’s age and your financial situation.
  • Tax Incentives: Eligible for tax relief, reducing the effective cost of premiums.
  • Peace of Mind: Knowing your child’s education is secured regardless of unforeseen events.

Compare education insurance vs traditional savings plans to understand why education insurance might be a better option.

How Step by Step Insurance Acts as an Intermediary for CIC Academia Policy

Step by Step Insurance plays a vital role as a trusted intermediary between you and CIC Insurance Group, simplifying your journey to securing the CIC Academia Policy. Our partnership with CIC enables us to provide personalized, expert guidance tailored to your family’s education savings and protection needs.

What We Do for You

  • Personalized Needs Assessment: We begin by understanding your financial situation, education goals, and timelines. This helps us recommend the most suitable CIC Academia plan options, including the right premium amount, policy term, and beneficiary structure.
  • Application Support: Navigating insurance paperwork can be daunting. Step by Step Insurance assists you in gathering all necessary documents such as identification, proof of income, and your child’s birth certificate. We guide you through completing the application accurately to avoid delays or errors.
  • Policy Customization: Every family’s needs are unique. We help you customize your CIC Academia Policy to cover one or multiple children, choose flexible premium payment frequencies, and align the policy term with your child’s education milestones.
  • Ongoing Customer Service: Once your policy is active, we remain your primary point of contact. Whether you have questions about premium payments, want to make changes to your policy, or need assistance understanding your benefits, we are here to help.
  • Claims Assistance and Advocacy: In the unfortunate event of a claim, such as the policyholder’s death or permanent disability, Step by Step Insurance supports you through the claims process. We liaise directly with CIC to ensure timely and fair settlement of benefits, minimizing stress during difficult times.
  • Regular Updates and Education: We keep you informed about any changes to CIC Academia Policy features, government tax relief updates, and other relevant information that could impact your plan.

Why Use Step by Step Insurance?

  • Expertise: Our team is well-versed in CIC’s products and the Kenyan insurance landscape, ensuring you get accurate and up-to-date advice.
  • Convenience: We handle the complex parts of the insurance process, saving you time and effort.
  • Trust: We prioritize your interests and provide transparent, unbiased guidance.
  • Local Presence: With a deep understanding of Kenyan families’ needs, we tailor solutions that work in your context.

Getting Started

To begin securing your child’s education with CIC Academia Policy through Step by Step Insurance, simply reach out for a free consultation. We’ll walk you through your options, help you apply, and support you every step of the way.

Comparison Table: CIC Academia vs Other Popular Education Plans in Kenya

Feature CIC Academia Britam Boresha Elimu Jubilee Career Life Plus
Policy Term 9 – 18 years 6 – 18 years 5 – 20 years
Premium Payment Term 5 – 14 years Up to 16 years Up to 20 years
Minimum Premium KShs 2,000 – 3,000 KShs 1,500 – 3,000 KShs 3,000
Death Benefit 50% sum assured + bonuses Sum assured + waiver Sum assured + waiver
Disability Cover Yes Yes Yes
Payout Structure Partial + final maturity 3 lump sums Lump sum or installments
Surrender Option After 3 years After 25 months After 3 years
Tax Relief Yes (up to KShs 5,000) Yes Yes

Learn more about:

Old Mutual Elimika Education Plan Jubilee’s Career Life Plus Britam’s Boresha Elimu Plan

Check out our guide to the top 5 education insurance policies in Kenya.

Frequently Asked Questions About CIC Academia Policy

Who is eligible for CIC Academia Policy?

Any parent or guardian with an insurable interest in the child can apply, subject to underwriting and age limits.

What happens if I miss a premium payment?

There is typically a grace period. Prolonged non-payment may cause the policy to lapse, but reinstatement is possible by paying arrears.

Can I surrender the policy early?

Yes, surrender is allowed after 3 years, but it may affect the final benefits.

What if the policyholder dies during the term?

CIC pays 50% of the sum assured immediately, all accrued bonuses, and waives future premiums to ensure the child’s education continues.

Can I nominate a different beneficiary if the child dies?

Yes, you can nominate another child or claim a refund of premiums paid.

Are premiums fixed or can they be adjusted?

Premiums are generally fixed for the term but can be reviewed with CIC and your intermediary.

Tips for Maximizing the Value of CIC Academia Policy

  • Start Early: The longer the savings term, the greater the maturity benefit.
  • Pay Premiums Consistently: Avoid lapses to maximize bonuses and benefits.
  • Align Policy Term with Education Milestones: Choose terms that match your child’s school entry points.
  • Review Annually: Reassess your plan as your child grows or your financial situation changes.
  • Leverage Tax Relief: Ensure you claim available tax benefits to reduce costs.

Real-Life Scenario: How CIC Academia Policy Works

Case Study:

Jane, a 30-year-old mother, starts a CIC Academia Policy for her 4-year-old son with a monthly premium of KShs 3,000. She chooses a 14-year premium term with an 18-year policy term. After paying premiums for 14 years, she begins receiving staggered payouts over the next 4 years, covering her son’s secondary and university fees. When Jane unexpectedly falls ill and becomes permanently disabled in year 10, CIC waives all future premiums and pays 50% of the sum assured immediately, ensuring her son’s education continues uninterrupted.

Conclusion

The CIC Academia Policy offers Kenyan parents a comprehensive, affordable, and flexible solution to the rising challenge of funding quality education. Combining disciplined savings with life and disability protection, it guarantees that your child’s education is secure, even in the face of adversity. With the added advantage of tax relief and flexible terms, CIC Academia stands as a top contender among education insurance plans in Kenya.

Partnering with Step by Step Insurance ensures you get expert advice, personalized service, and ongoing support to make your education planning journey smooth and successful.

Call to Action

Are you ready to secure your child’s education with CIC Academia Policy?

Contact Step by Step Insurance today for a free consultation and expert guidance. Let us help you tailor the perfect education plan for your family’s future.

Get a Quote Contact Us

Additional Resources

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