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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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How to get Personal Accident Insurance in Nairobi: A Step-by-Step Guide

How to get Personal Accident Insurance in Nairobi: A Step-by-Step Guide

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How to Apply for Personal Accident Insurance in Nairobi – Step by Step Guide

Personal Accident Insurance is a crucial financial safeguard for anyone living or working in Nairobi. It provides compensation for accidental death, disability, or injury, helping cushion the financial impact during unforeseen events.

With Step by Step Insurance, Nairobi residents can access tailored personal accident plans sourced from Kenya’s top providers, ensuring the best fit for their needs. This article provides a comprehensive, step-by-step guide on how to apply for Personal Accident Insurance through Step by Step and why it’s essential protection.

Key Takeaways

  • Financial Protection: Personal Accident Insurance provides crucial financial support for accidental death, disability, and medical expenses
  • Tailored Coverage: Step by Step Insurance offers flexible plans for individuals, families, students, and groups
  • Simple Application: The application process is straightforward with online and offline options available
  • Essential for Nairobi: High-risk commuting and urban lifestyle make this coverage particularly important for city residents
  • Expert Guidance: Professional support available to help you choose the right coverage for your needs

Table of Contents

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What is Personal Accident Insurance?

Personal Accident Insurance offers financial compensation in the event of accidents causing:

  • Accidental death
  • Permanent total or partial disability
  • Temporary total disability
  • Medical expenses related to the accident
  • Funeral and repatriation costs
  • Reconstructive surgery and artificial appliances

This cover serves as a financial safety net, particularly important in Nairobi’s urban setting where daily commute and occupational accidents are common. Step by Step Insurance provides access to various coverage options that cater to individuals, families, students, and groups.

Who Should Apply for Personal Accident Insurance?

Individuals who should strongly consider this cover include:

  • Workers in high-risk sectors such as construction, transport, and manufacturing
  • Daily commuters exposed to road accident risks
  • Students and interns during industrial attachments
  • Freelancers and informal sector workers without employer benefits
  • Families seeking comprehensive accident protection together

The flexible options at Step by Step Insurance cater precisely to these groups by aligning benefits with individual lifestyles and budgets.

Step-by-Step Guide to Applying Personal Accident Cover

Step 1: Learn About Available Coverage Options

Step by Step Insurance offers a variety of personal accident plans sourced from leading insurers in Kenya, providing choices that include:

  • Individual personal accident cover
  • Family personal accident cover
  • Group personal accident cover for companies
  • Student personal accident insurance

Each plan comes with distinct benefit scales and add-ons to meet diverse needs.

Step 2: Consult with an Insurance Expert or Use the Online Platform

Step by Step Insurance provides expert advice to help you pick a plan that balances coverage and affordability. Alternatively, you can explore plan options and get quotes via their website’s user-friendly interface.

Step 3: Prepare Required Documents

Prepare essential documents including:

  • National ID or Passport
  • Passport-sized photo (if requested)
  • Duly completed application form
  • Medical reports or declarations if necessary

Step 4: Submit Application and Pay Premiums

Applications can be submitted online or at the Step by Step Nairobi office. Payment options are flexible, supporting mobile money, bank transfers, or cash payments, with premiums payable once in full at the time of application.

Step 5: Receive Policy Document and Terms

Once processed, you will receive a detailed policy document outlining your coverage, terms, exclusions, and claim instructions.

Important Tips When Applying

  • Review policy exclusions carefully (e.g., no coverage for self-harm or intoxicated accidents)
  • Ask about claim procedures and turnaround times
  • Keep copies of all documents and receipts
  • Ensure timely premium payments to maintain continuous coverage

Common Mistakes to Avoid

  • Providing false or incomplete application information
  • Opting for minimal coverage without assessing risk thoroughly
  • Neglecting to read and understand policy terms and exclusions
  • Delaying premium payments leading to policy cancellation

Related Resources

Resource Description
How to Claim Personal Accident Insurance Comprehensive guide on the claims process for personal accident insurance in Kenya
Student & Intern Coverage Special personal accident insurance options for students and interns during attachments
Get a Quote Request a personalized insurance quote tailored to your needs
Contact & Consultation Speak with our insurance experts for personalized advice

Types of Benefits in Personal Accident Insurance

Benefit Type What It Covers Example Use Case
Accidental Death Lump-sum payment to beneficiaries Family financial support after death
Permanent Disability Compensation for permanent loss of function Rehabilitation and lifestyle adaptation
Temporary Disability Weekly or monthly income replacement Loss of income during recovery
Medical Expenses Hospital bills, surgeries, rehabilitation costs Covers treatment after an accident
Funeral Expenses Funeral and burial costs Eases family’s financial burden
Artificial Appliances Prosthetics or mobility aids Support for physical recovery

Case Study: Nairobi Commuter Benefit

John, a daily commuter in Nairobi, was involved in a serious traffic accident that resulted in temporary disability. Thanks to Step by Step Insurance’s personal accident cover, he received weekly disability payments that helped him manage family expenses during his recovery. This real-life example highlights the practical value and peace of mind that this insurance provides to everyday commuters navigating Nairobi’s busy transport system.

Expert Insight: As noted by our insurance experts, “Personal Accident Insurance is an essential tool to mitigate unexpected financial shocks from accidents, particularly in cities like Nairobi where road incidents are frequent.”

How to Claim Benefits with Step by Step Insurance

  1. Notify Step by Step Insurance immediately after an accident
  2. Seek medical attention and collect all medical documentation
  3. Submit claim forms and required supporting documents (police report if applicable)
  4. Follow up for claim assessment and approval
  5. Receive timely compensation to support recovery

For a detailed guide on the claims process, visit our comprehensive claims guide.

Conclusion

Applying for Personal Accident Insurance in Nairobi is simple and accessible through Step by Step Insurance. With multiple tailored plans and expert guidance, Nairobi residents can protect themselves and their families against the financial risks of accidents. Contact Step by Step Insurance today to explore your options and secure your future with confidence.

Ready to Get Protected?

Contact Step by Step Insurance today for expert guidance and personalized coverage options

+254 (0) 729 712 200
+254 (0) 716 534 192
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Professional Indemnity Insurance in Kenya for Civil Engineers, Architects & Quantity Surveyors

Professional Indemnity Insurance in Kenya for Civil Engineers, Architects & Quantity Surveyors

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Professional Indemnity Insurance in Kenya: Civil Engineers, Architects & QS

If you’re a civil engineer, architect, or quantity surveyor working in Kenya, you need to know about Professional Indemnity Insurance. This type of insurance protects you when things go wrong in your work – and trust us, even the best professionals can face problems.

Let’s break down everything you need to know about PI insurance in simple terms.

Key Takeaways

  • Professional Indemnity Insurance is mandatory for registered engineers, architects, and quantity surveyors in Kenya
  • PI insurance protects you from financial losses due to professional mistakes or negligence
  • Coverage typically includes legal defense costs and compensation payments to clients
  • Premium costs depend on your experience, project sizes, and claims history
  • Working with an insurance broker like Step by Step can save you time and money

Table of Contents

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What is Professional Indemnity Insurance?

Think of Professional Indemnity Insurance (PI Insurance) as a safety net for your career. It protects you if a client says you made a mistake in your professional work and wants you to pay for the damage.

Here’s a simple example: Imagine you’re an architect who designed a building. Two years later, water starts leaking through the walls because of a design flaw you missed. The building owner is angry and wants you to pay for repairs – which could cost millions of shillings. Without Professional Indemnity insurance, you’d have to pay from your own pocket. With PI insurance, your policy covers these costs.

Why Do You Need PI Insurance in Kenya?

It’s Often Required by Law

In Kenya, if you want to practice as a registered engineer, architect, or quantity surveyor, you usually need PI insurance. The Engineers Board of Kenya (EBK) and the Board of Registration of Architects and Quantity Surveyors (BORAQS) require it before they give you a license to work.

If you want to work on government projects, the National Construction Authority also checks whether you have proper insurance coverage.

It Protects Your Money and Career

Construction and design projects in Kenya can be worth millions – sometimes billions – of shillings. If something goes wrong and you’re held responsible, the costs can destroy your savings and even your career. PI insurance makes sure one mistake doesn’t ruin your life’s work.

Clients Trust You More

When you have PI insurance, clients know you’re serious about your work. It shows you’re prepared to take responsibility if problems happen. This makes it easier to win contracts, especially big ones.

Who Needs This Insurance?

Profession Specializations Covered Typical Risks
Civil Engineers Structural engineers, Road and highway engineers, Water and drainage engineers, Soil and foundation experts Design errors, Calculation mistakes, Construction oversight
Architects Building designers, Landscape architects, Urban planners Design flaws, Code violations, Project management errors
Quantity Surveyors Cost consultants, Project managers who handle budgets, Building surveyors Cost estimation errors, Budget management mistakes, Contract administration errors

What Does PI Insurance Actually Cover?

Mistakes in Your Work

The main thing PI insurance covers is professional mistakes. This could be:

  • Design errors that cause problems during construction
  • Wrong calculations that lead to structural issues
  • Bad advice that costs your client money
  • Missing important details in your plans

Legal Costs

If a client takes you to court, PI insurance pays for your lawyers. Legal fees in Kenya can quickly add up to hundreds of thousands of shillings – even if you win the case.

Financial Losses

When your mistake costs a client money, your insurance compensates them. For example, if your wrong cost estimate makes a project go over budget by KES 5 million, your insurance can cover that loss.

What PI Insurance Doesn’t Cover

It’s important to know the limits. PI insurance won’t cover:

  • Deliberate wrongdoing: If you knew something was wrong and did it anyway
  • Criminal activities: Breaking the law intentionally
  • Property damage: If your equipment damages someone’s property (that’s a different insurance)
  • Employee injuries: Worker accidents need different coverage
  • Problems you knew about before buying insurance: You can’t buy insurance after you already know there’s a problem

How Much Coverage Do You Need?

The amount depends on several things:

Your Project Sizes

If you typically work on projects worth KES 10 million, you need less coverage than someone handling KES 500 million projects. A good rule is to have coverage worth at least 2-3 times your biggest project value.

Legal Minimums

Professional boards in Kenya often require minimum coverage amounts. For most professionals, this ranges from KES 5 million to KES 50 million depending on your work type and experience.

Client Requirements

Big clients, especially government bodies and international companies, often demand specific coverage amounts before hiring you. Some won’t work with you unless you have at least KES 20 million in coverage.

How Much Does It Cost?

The good news is that PI insurance is more affordable than many professionals think.

What Affects Your Price

Your premium depends on:

  • How many years you’ve been working
  • The size of projects you handle
  • Your claims history (past problems increase costs)
  • How much coverage you want
  • Your specific profession (some have higher risks)

Where to Get PI Insurance in Kenya

Several insurance companies in Kenya offer PI insurance:

Insurance Company Special Notes Contact Information
APA Insurance Strong presence in engineering sector Visit their website or branches nationwide
Britam Comprehensive professional lines Multiple branches in major towns
CIC Insurance Competitive rates for new professionals Wide branch network
Jubilee Insurance Long-standing reputation Head office in Nairobi
UAP Insurance Part of Old Mutual Group Nairobi and major towns
Madison Insurance Specialized engineering policies Growing presence in Kenya
ICEA Lion Strong financial backing Multiple service points

Choosing the Right Company

Don’t just pick the cheapest option. Consider:

  • How fast they handle claims
  • Their customer service reputation
  • Whether they understand construction industry risks
  • Payment flexibility (can you pay monthly or quarterly?)

How Step by Step Partners with Kenya’s Best Insurers to Find Your Perfect Coverage

Shopping for PI insurance can feel overwhelming. Which company offers the best rates? Who has the fastest claims process? What coverage limits do you really need? These questions can take weeks to answer if you contact each insurer individually.

That’s where Step by Step comes in.

We Do the Hard Work for You

Step by Step is an insurance brokerage that partners with all major insurance companies in Kenya. Instead of you calling 10 different insurers, we bring all their options to you in one place.

Step 1: Tell Us About Your Work

You fill out one simple form telling us about your profession, experience, project sizes, and coverage needs. This takes about 5-10 minutes.

Step 2: We Compare All Options

Our team contacts multiple insurance companies on your behalf. We compare their:

  • Premium prices
  • Coverage terms
  • Claim settlement records
  • Payment options
  • Additional benefits

Step 3: You Get Personalized Recommendations

Within 24-48 hours, we present you with 3-5 best options tailored to your specific needs. We explain each option in plain language – no confusing insurance terms.

Step 4: We Help You Choose

Not sure which option is best? Our experienced advisors walk you through each policy, answering all your questions. We help you understand what you’re getting for your money.

Step 5: Easy Purchase and Support

Once you choose, we handle all the paperwork. We also stay with you throughout the year – if you need to file a claim or have questions, we’re just a phone call away.

Why Work with Step by Step?

Benefit Description
Save Time Instead of spending weeks contacting different insurers, you get all options in days. We know the market inside out and have established relationships with every major insurer.
Save Money Because we compare multiple insurers, you see who offers the best rates for your specific situation. Our clients typically save 15-30% compared to buying directly.
Expert Advice Insurance policies can be confusing. Our team includes experts who understand construction industry risks. We speak your language and explain everything clearly.
No Extra Cost Our service is free for you. Insurance companies pay us a commission, so you get expert help without any additional fees. You pay the same premium whether you buy directly or through us.
Ongoing Support Insurance isn’t “buy it and forget it.” We review your coverage annually to make sure it still fits your needs as your career grows. If you need to make a claim, we guide you through every step.
Local Understanding We understand the Kenyan construction industry. We know what EBK and BORAQS require. We understand local building challenges. This means we recommend coverage that actually works in Kenya – not generic policies.

Getting Started Is Easy

Ready to find your perfect PI insurance? Here’s what to do:

  1. Visit our website or call our office numbers
  2. Fill out a quick form about your work and needs
  3. Get personalized quotes within 2 days
  4. Choose your policy with our expert guidance
  5. Start working with confidence knowing you’re protected

Contact Step by Step Insurance

Get expert advice and compare quotes from all major Kenyan insurers.

Call Us

+254 (0) 729 712 200
+254 (0) 716 534 192

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Instant Online Quote

Questions? We Have Answers

Our team loves helping professionals find the right coverage. Whether you’re a recent graduate getting your first policy or an experienced consultant upgrading coverage, we’re here to help.

Common questions we answer daily:

  • “Which insurer is best for architects?”
  • “Can I pay monthly instead of annually?”
  • “What happens if I switch from one company to another?”
  • “How much coverage does BORAQS actually require?”
  • “Will this policy cover me for government projects?”

Don’t let insurance confusion slow down your career. Let Step by Step simplify the process and find you the best protection at the best price.

Tips to Avoid Claims

While insurance protects you, it’s better to avoid problems altogether:

Keep Good Records

Save all emails, meeting notes, and project documents. If a problem happens years later, these records prove what you actually said and did.

Use Clear Contracts

Make sure your client agreements clearly state what you will and won’t do. This prevents misunderstandings about your responsibilities.

Stay Updated

Attend training sessions and keep learning. Building codes and standards change, and you need to stay current.

Double-Check Your Work

Have another professional review important calculations and designs. Two pairs of eyes catch more mistakes than one.

Communicate Clearly

If you spot a potential problem, tell your client immediately in writing. Don’t wait and hope it goes away.

What to Do If Something Goes Wrong

If a client complains or threatens to sue:

  • Don’t panic – this is why you have insurance
  • Don’t admit fault – let your insurer investigate first
  • Contact your insurance company immediately – even if you’re not sure it’s a real claim (if you bought through Step by Step, call us first and we’ll coordinate with the insurer)
  • Gather all documents related to the project
  • Don’t discuss the issue on social media or with others

Your insurance company will assign someone to handle the case. They’ll investigate, negotiate with the client, and defend you if necessary.

Final Thoughts

Professional Indemnity Insurance isn’t just a piece of paper – it’s your career protection. In Kenya’s growing construction industry, with massive infrastructure projects happening everywhere, the risks are real.

Whether you’re designing the next skyscraper in Nairobi, planning a highway in Kisumu, or estimating costs for affordable housing in Nakuru, mistakes can happen. PI insurance makes sure one error doesn’t end your career.

The small annual cost of insurance is nothing compared to the millions you could lose without it. Plus, it’s often required to get your professional license and win good contracts.

Ready to protect your career? Contact Step by Step today for a free, no-obligation quote. Our team will compare all major insurers in Kenya and find you the best coverage at the best price. We make insurance simple so you can focus on what you do best – your professional work.

Remember: The best time to get insurance is before you need it. Don’t wait until a problem happens – by then, it’s too late.

Related Reading

Learn more about insurance for professionals: The Risks Students Face During Industrial Attachment & Why Every Student on Attachment Needs Personal Accident Insurance in Kenya

Kenya’s Leading Golf Insurance Policies: Coverage, Costs & Benefits

Kenya’s Leading Golf Insurance Policies: Coverage, Costs & Benefits

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Golf Insurance in Kenya: Complete Guide to Coverage Options | Step by Step Insurance

Golf is more than just a sport in Kenya—it’s a lifestyle, a prestigious social activity, and a cherished passion for many. But just like any sport, golfing comes with its risks. Whether it’s equipment damage, accidents on the course, liability for injuries, or even the joyous expenses of a hole-in-one celebration, having the right golf insurance can protect golfers from unexpected financial burdens.

In Kenya, several leading insurance providers offer comprehensive golfer’s insurance policies tailored to meet these unique needs. This article explores the coverage, costs, and benefits of golf insurance offered by major players such as Old Mutual, APA Insurance, Liberty Kenya, Madison, and CIC, helping you make an informed choice.

🎯Key Takeaways

  • Golf insurance in Kenya covers equipment damage, personal accidents, liability claims, and hole-in-one celebrations
  • Major insurers include Old Mutual, APA, Liberty Kenya, Madison, and CIC with comprehensive coverage options
  • Premiums range from KSh 3,000 to KSh 16,900+ annually depending on coverage limits
  • Many golf clubs now require active insurance for membership eligibility
  • Policies protect against theft, accidents, third-party liability, and equipment replacement costs

📋Table of Contents

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What Is Golfers Insurance?

Golfers insurance is a specialized insurance policy designed to cover risks associated with golfing activities. It protects golfers against loss, damage, theft of equipment, personal injury while playing, legal liability for incidents caused to others, and expenses related to celebratory events like hole-in-one shots.

In Kenya, golf clubs and professional players increasingly require active golfer’s insurance before eligibility for membership or participation in tournaments.

Leading Golf Insurance Policies in Kenya

Insurance Provider Equipment Coverage Personal Accident Third-Party Liability Hole-in-One Coverage Premium Range (KSh)
Old Mutual ✓ Full coverage ✓ 26 weeks disability ✓ Included ✓ Celebration costs Contact for quote
APA Insurance ✓ All risks transit ✓ Visible injuries ✓ Up to 1,000,000 ✓ Up to 20,000 Contact for quote
Liberty Kenya ✓ Loss, damage, theft ✓ Course injuries ✓ Injury/damage claims ✓ Official competitions Contact for quote
Madison ✓ Clubs, bags, buggies ✓ Above 18 years ✓ Up to 1,000,000 ✓ Celebration expenses 3,000 – 16,900
CIC ✓ All equipment ✓ Death/disability ✓ Third-party claims Contact for details Contact for quote

1. Old Mutual Golfers Insurance

What’s covered?

  • Hole-in-One Expenses: Celebratory costs when you sink that perfect hole-in-one in a competition or casual game.
  • Personal Accident Cover: Compensation for serious injuries like loss of limbs, eyesight, or temporary total disability (up to 26 weeks).
  • Loss or Damage to Golfing Equipment: Protection for your clubs, bags, and even your caddie’s car.
  • Theft of Personal Effects: Cover for personal items stolen at the golf course or club premises (excluding golfing equipment).

How to apply? Easy—simply use the ‘Call Me Back’ feature on Old Mutual’s website or WhatsApp them at 0791 197 612.

2. APA Golfers Insurance

APA’s golf insurance protects you and your equipment against theft, damage, accidental injury, death, and third-party liability.

Key coverage sections include:

  • Golfing Equipment: Covers repair or replacement of clubs, bags, and trolleys against all risks during transit or at golf clubs.
  • Personal Effects: Protection against fire, theft, burglary, and loss within golf clubhouses.
  • Third-Party Liability: Up to KSh 1,000,000 coverage for legal claims arising from bodily injury or property damage caused to people or property while playing.
  • Personal Accidents: Compensation for violent, visible injuries sustained while golfing.
  • Hole-in-One: Reimbursement of up to KSh 20,000 for hole-in-one celebrations witnessed and verified by club officials.

📹Understanding Golf Insurance Benefits

3. Liberty Kenya Golfers Insurance

Liberty’s policy blends comprehensive protection for equipment, personal accidents, third-party liability, and hole-in-one celebrations.

Noteworthy features include:

  • Equipment Protection: Covers accidental loss, damage, or theft at transit or golfing premises.
  • Third-Party Liability: Compensation for injuries or damages caused by the insured while playing.
  • Personal Accident Cover: Financial protection from injuries sustained on the golf course.
  • Hole-in-One Coverage: Covers celebratory drinks expenses incurred during official competitions.
  • Storage Coverage: Equipment stored in lockers at golf clubs is also protected.

Exclusions: Loss of golf balls, wear and tear, and injuries to household members or employees.

4. Madison Golfers Package

Madison’s policy is designed to protect golfers against losses incurred on golf courses or club premises, including:

  • Loss or damage to golfing gear including clubs, bags, and buggies
  • Personal effects (excluding golf equipment)
  • Hole-in-one celebratory expenses
  • Personal injury coverage for golfers above 18 years
  • Medical expenses for caddies
  • Public liability coverage up to KSh 1,000,000 for claims by the public or caddies

Premiums range: From KSh 3,000 to KSh 16,900 depending on the coverage option chosen.

5. CIC Golfers Insurance Policy

CIC emphasizes the wellbeing of sportspeople, protecting golfers from:

  • Accidental death and permanent disability
  • Loss or damage to golfing equipment
  • Personal accident cover for injury while playing
  • Third-party liability claims

This policy covers all levels of sportspeople and associations ensuring financial peace of mind against career-threatening injuries.

Why You Need Golf Insurance in Kenya

Golf equipment is expensive, and accidents happen. Whether it’s a mis-hit ball causing damage, theft of your clubs, or injury on the course, golf insurance shields you from high costs that can otherwise spoil your game and finances.

Additionally:

  • Many golf clubs in Kenya require membership holders to have active golf insurance.
  • Liability coverage protects you legally if you injure others or damage property while playing.
  • Personal accident cover offers financial help for injuries, loss of limbs, or even accidental death.
  • Hole-in-one coverage is a fun but practical inclusion for golfers who celebrate this rare feat.

How Much Does Golf Insurance Cost in Kenya?

Costs vary depending on coverage limits and insurer, but estimates include:

Coverage Type Annual Premium Range Key Features Best For
Basic Coverage KSh 3,000 – 5,000 Essential equipment and accident cover Casual golfers
Standard Coverage KSh 5,000 – 10,000 Extended liability and equipment protection Regular club members
Comprehensive Coverage KSh 10,000 – 16,900+ Maximum protection and high-value equipment Professional/serious golfers
Executive Packages KSh 5,465+ Premium benefits and enhanced coverage Executive club members

It’s important to compare benefits, coverage limits, and premiums when choosing the ideal policy.

How to Choose the Right Golf Insurance Policy

Consider these factors:

  • Coverage breadth: Ensure your policy covers equipment loss/damage, personal accident, third-party liability, and hole-in-one expenses.
  • Limits and exclusions: Check the payout limits and what’s excluded (e.g., wear and tear, golf balls).
  • Reputation and service: Choose insurers with good claims processing reputations.
  • Customizable options: Look for policies that allow covering specific equipment or add-ons like caddie accident cover.
  • Affordable premiums: Balance cost with coverage to get good value.

📞Contact Us for Expert Advice

Ready to secure your golf insurance? Our experts are here to help you choose the perfect policy for your needs.

📧 Request Consultation Get Professional Advice
💰 Get Quote Compare Prices Now
📱 Call Us +254 (0) 729 712 200
+254 (0) 716 534 192
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Conclusion

Kenya’s leading golf insurance providers offer well-rounded policies tailored for the unique risks of the sport. Whether you’re a recreational player or a competitive golfer, protecting your equipment, yourself, and your liabilities should be part of your game plan.

Partnering with reputable insurers like Old Mutual, APA, Liberty, Madison, and CIC ensures you can play confidently, knowing you’re financially covered for most eventualities on and off the course.

Ready to secure your golf insurance? Reach out to Step by Step Insurance or the providers directly and take the stress out of your golfing experience.

🎯Take Action Today!

Don’t let unexpected costs ruin your golf game. Get protected with comprehensive golf insurance and join our community of informed golfers.

💰 Get Your Quote Now
Birdview Microinsurance and Mombasa Tuk-Tuk SACCOs Launch “Maisha Poa” Welfare Insurance for Tuk-Tuk Drivers

Birdview Microinsurance and Mombasa Tuk-Tuk SACCOs Launch “Maisha Poa” Welfare Insurance for Tuk-Tuk Drivers

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Maisha Poa: Affordable Insurance for Mombasa Tuk-Tuk Drivers | Insurance News

In a groundbreaking move to improve social protection for informal sector workers in Mombasa, Birdview Microinsurance has partnered with Mombasa Tuk-Tuk SACCOs to launch “Maisha Poa,” a tailor-made welfare insurance product designed specifically for tuk-tuk owners, drivers, and their families. This initiative marks a significant step forward in making insurance accessible and affordable to a traditionally underserved and vulnerable group.

Key Takeaways

  • Daily premium of just Sh30 for comprehensive coverage
  • Targets over 18,000 tuk-tuk drivers in Mombasa
  • Potential coverage for ~200,000 people including families
  • Includes medical, accident, rescue, and last expense cover
  • Partnership with SACCOs streamlines enrollment

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Affordable and Comprehensive Coverage

The “Maisha Poa” product offers a combination of essential insurance covers at an affordable daily premium of just Sh30. The insurance package includes:

Coverage Type Benefit Amount Description
Medical Insurance Up to Sh100,000 Designed to help cover medical expenses for drivers and their family members.
Accident and Rescue Cover Sh100,000 Providing support in case of accidents on the road.
Last Expense Cover Sh100,000 Offers dignified funeral expenses to support families during difficult times.

According to John Paul Otieno, Acting CEO of Birdview Microinsurance, the product is aimed at delivering affordable protection for the working class, particularly the tuk-tuk drivers who work long hours but often lack basic insurance coverage.

Impact and Reach

The product targets over 18,000 tuk-tuk drivers operating in Mombasa, with potential coverage extending to around 200,000 people including drivers, owners, and their family members. This initiative is expected to significantly increase insurance penetration in the region by providing a safety net that was previously unavailable to many in this sector.

Addressing a Critical Gap

Richard Muiru, Microinsurance Director at Birdview, emphasized that despite the demanding nature of their work, many tuk-tuk drivers have been neglected in terms of insurance coverage. He highlighted how the product enables drivers to care for their families without the stress of unexpected medical bills.

Positive Reception from the Community

The welfare program has been welcomed enthusiastically by the tuk-tuk driver community. Many drivers, who often face financial hardship after accidents or unexpected events, see this cover as a much-needed support mechanism. Leaders within the SACCOs have expressed optimism that the initiative will create a safer, more secure community of drivers and enhance their overall well-being.

Technology-Driven and Inclusive

Birdview Microinsurance has emphasized that “Maisha Poa” is designed to be affordable, accessible, and responsive to modern technology. Collaboration with SACCOs ensures streamlined enrollment and premium payment processes, making it easy for drivers to get covered and manage their insurance.

Conclusion

The launch of “Maisha Poa” represents a pioneering effort in Kenya’s microinsurance landscape. By focusing on the welfare of tuk-tuk drivers and their families with affordable, tailored insurance solutions, Birdview Microinsurance and Mombasa Tuk-Tuk SACCOs are providing essential financial security and peace of mind to one of the country’s vital but vulnerable workforce segments.

This initiative is not only expected to improve livelihoods but also serve as a blueprint for similar programs targeting informal sector workers elsewhere in Kenya and beyond.

Contact Us / Request a Consultation

Have questions about insurance options? Our experts are ready to help you find the perfect coverage for your needs.

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Medical Cover for Seniors in Kenya: Overcoming 8 Major Challenges

Medical Cover for Seniors in Kenya: Overcoming 8 Major Challenges

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Senior Medical Insurance in Kenya 2025: Complete Guide | Step by Step Insurance

For many Kenyan families, one of the hardest questions is: “How do we take care of mum, dad, shosh, or guka as they age?” Medical costs rise significantly with age, and unfortunately, getting medical insurance for seniors in Kenya isn’t always straightforward.

This guide takes you step by step through the real challenges, what has changed in 2025 (hello SHIF 👋), and the solutions Kenyan families are already using to make sure their loved ones get dignified, reliable healthcare.

🎯 Key Takeaways

  • SHIF replaced NHIF in 2024 with 2.75% income contribution (minimum KES 300)
  • Private senior cover fills gaps SHIF can’t handle – chronic care, wider hospital panels, shorter queues
  • Age limits vary by insurer (65-85 years entry), but some offer lifetime renewal
  • Pre-existing conditions are covered by some insurers with waiting periods
  • Family pooling makes comprehensive cover affordable for most Kenyan families

📋 Table of Contents

1. The SHIF Transition 2. The Age Challenge 3. Chronic Illness Challenge 4. Outpatient Cover 5. Inpatient Limits & Co-Pays 6. Extras That Matter 7. Diaspora Families 8. Cost Expectations 9. Due Diligence 10. Planning is Love

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1. The SHIF Transition: NHIF is Gone, SHIF is Here

In 2024, Kenya officially transitioned from NHIF to the Social Health Insurance Fund (SHIF).

  • Contribution rate: 2.75% of gross income
  • Minimum contribution: KES 300 per month for households with low or no income

👉 SHIF is now the statutory base for essential healthcare access.

But here’s the reality check: SHIF alone is rarely enough for senior care. Families still turn to private senior medical insurance for:

  • Wider hospital panels (including Tier 1 hospitals)
  • Chronic care management (hypertension, diabetes, heart disease)
  • Cashless outpatient services and shorter queues

Think of SHIF as the foundation layer — and private cover as the comfort and convenience layer.

2. The Age Challenge: What “Senior” Means to Insurers

Each insurer in Kenya defines “senior” differently, and this affects eligibility.

Insurance Provider Product Name Entry Age Key Features
Jubilee J-Senior 65+ Chronic care, telemedicine, wellness (Maisha Fiti)
Britam Milele (Advantage/Premier) Up to 75 No exit age, covers pre-existing conditions
Old Mutual Afyaimara Seniors 65–80 Dental, optical, HIV, chronic cover
AAR Seniors CAARE 65–85 Renewable for life once enrolled
APA Afya Nafuu Up to 80 Family plan inclusion
CIC Seniors Mediplan 65+ Explicitly designed for seniors
Important heads-up: Resolution Insurance has been under liquidation. Avoid new policies there until solvency is resolved.

3. The Chronic Illness Challenge

Most seniors in Kenya live with pre-existing conditions like hypertension, diabetes, or heart disease. Insurers treat these differently:

  • Some impose waiting periods (usually 12 months)
  • Others limit annual benefits for chronic drugs
  • A few, like Old Mutual Afyaimara and Jubilee J-Senior, explicitly cover chronic and even HIV-related conditions
The key? Always match the plan’s chronic drug limit to your parent’s actual prescriptions.

4. Outpatient Cover That Actually Works

Cheap inpatient-only plans may look attractive, but outpatient care is where seniors need the most help.

Good outpatient cover should:

  • Include specialist consultations
  • Support pharmacy-first models (e.g., Britam)
  • Offer telemedicine options (e.g., Jubilee’s Maisha Fiti, AAR)
  • Have nearby hospitals and pharmacies on the panel (not across town)
A real story from Nairobi: Wanjiru and her siblings in Kayole set up a monthly WhatsApp parents’ fund. They chose a cover that accepts pre-existing hypertension, allows telemedicine consults, and lets mum refill meds at the local pharmacy without queueing. Pooling just KES 2,500–4,000 each made it affordable.

5. Inpatient Limits, Co-Pays, and the “Too Cheap” Trap

Here’s a common mistake: picking the cheapest senior medical cover without reading the fine print.

The pitfalls include:

  • Very low inpatient limits
  • High co-pays for Tier 1 hospitals
  • Exclusions on ICU, dialysis, or oncology care
Always review:
  • Ward type covered
  • ICU limits
  • Sub-limits for surgery, specialist care, and chronic conditions
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6. The Extras That Matter for Seniors

Many senior plans now include extras that can save money and improve quality of life:

  • Dental and optical benefits
  • Annual check-ups & wellness programs
  • Vaccinations
  • Last expense cover (funeral support)
  • Emergency evacuation

For seniors, these aren’t just nice-to-haves — they’re often essential.

7. Diaspora Families: Paying for Parents’ Cover from Abroad

A growing number of Kenyan families abroad are paying for their parents’ medical insurance back home.

Good news: many insurers now accept M-Pesa, bank transfers, and foreign remittances directly. This makes it easier to manage a “parents’ medical kitty” across siblings — no matter where you live.

8. Cost: What to Expect

Senior medical cover in Kenya varies by age and benefits:

Coverage Type Annual Premium Range What’s Included
Basic Inpatient-Only KES 50,000 – 80,000 Hospital admission, basic surgery
Comprehensive Cover KES 100,000 – 200,000+ Outpatient, chronic care, specialists
Premium Plans KES 200,000 – 400,000+ All benefits + dental, optical, wellness
Budget hack: Many Kenyan families set up a family M-Pesa pot where siblings contribute monthly. Combined with SHIF + private cover, this creates a strong healthcare safety net.

9. Due Diligence Before Buying

Here’s your senior medical insurance checklist:

✅ Your Senior Medical Insurance Checklist

  • Hospital panel list in your county
  • Pre-existing & chronic condition limits
  • Waiting periods (commonly 12 months)
  • Co-pays and hidden sub-limits
  • Entry vs. renewal rules (lifetime renewal is gold)
  • Insurer stability (avoid insolvent providers)
  • Customer support & digital access (apps, WhatsApp, e-cards)

10. Final Word: Planning is Love

Caring for seniors in Kenya isn’t just about money — it’s about planning.

  • Pair SHIF with the right private cover
  • Review benefits carefully — don’t just buy on price
  • Prioritize nearby hospitals, chronic care, and renewal-for-life guarantees
  • Pool contributions with siblings to make it affordable

✅ At Step by Step Insurance, we partner with leading providers like Jubilee, Britam, Old Mutual, AAR, APA and CIC to help families find affordable, reliable senior medical insurance.

👉 Want to secure the right cover for your parents or grandparents? Call/WhatsApp us today at 0729 712 200 for a personalized quote.

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Don’t wait until it’s too late. Get expert guidance on the best senior medical insurance for your family’s needs and budget.

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Kenya Medical Practitioners, Pharmacists and Dentists Union (KMPDU) Accuses Insurance Companies of Cartel-Like Practices

Kenya Medical Practitioners, Pharmacists and Dentists Union (KMPDU) Accuses Insurance Companies of Cartel-Like Practices

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The Kenya Medical Practitioners, Pharmacists and Dentists Union (KMPDU), a leading representative body for healthcare professionals, has raised serious allegations against some insurance companies operating in Kenya. The union accuses these insurers of engaging in cartel-like behaviors that adversely affect the financial health and operational capacity of hospitals nationwide.

Key Takeaways

  • KMPDU alleges insurance companies are engaging in cartel-like behaviors affecting hospitals
  • Accusations include collusive pricing policies and delayed claim payments
  • Hospital financial health and patient care quality are at risk
  • Union calls for stronger regulatory intervention and oversight
  • Collaborative dialogue needed among all healthcare stakeholders

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Allegations of Collusion and Unfair Practices

KMPDU claims that insurance companies have formed informal agreements or collusive arrangements that result in restrictive pricing policies, delayed payment of claims, and unfavorable reimbursement conditions imposed on hospitals. Such practices, the union contends, distort market competition and create an uneven playing field within the insurance sector.

Impact on Hospitals and Healthcare Delivery

The union highlights that these cartel-like practices have significant negative consequences for hospitals. With reimbursements delayed or constrained and pricing controlled by the alleged collusive behavior of insurers, hospitals face intense financial pressure. This strain makes it difficult for healthcare providers to maintain quality services, invest in infrastructure, and manage the rising costs of medical supplies and staff remuneration.

KMPDU warns that if unchecked, this situation could lead to compromised patient care, reduced access to medical services, and an overall decline in healthcare standards in Kenya.

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Calls for Regulatory Intervention

In response to these concerns, KMPDU is urging the government, insurance regulators, and relevant policymakers to strengthen oversight mechanisms. The union advocates for thorough investigations into insurance company practices and greater enforcement of competition laws to dismantle any cartel activities. Transparency and accountability within the insurance industry are emphasized as critical to restoring trust and ensuring equitable treatment for healthcare providers.

The Path Forward

KMPDU has called for collaborative dialogue among all stakeholders—insurance companies, healthcare providers, regulators, and policymakers—to resolve these grievances constructively. The union asserts that addressing these issues will not only protect hospitals’ financial viability but also safeguard patients’ access to high-quality healthcare.

Conclusion

The allegations by KMPDU spotlight persistent challenges in Kenya’s healthcare insurance landscape. Tackling cartel-like practices in the insurance sector is essential to fostering a fair, transparent, and sustainable system that supports both healthcare providers and patients. Stakeholders across the board remain focused on finding effective solutions to restore balance and promote a healthier insurance environment in Kenya.

Concerns Mount Over Medical Insurance Coverage for Public Sector Workers and Police in Kenya

Concerns Mount Over Medical Insurance Coverage for Public Sector Workers and Police in Kenya

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Medical Insurance Coverage Challenges for Public Sector Workers and Police in Kenya

Ongoing challenges surrounding medical insurance coverage for public sector workers and police in Kenya have sparked increasing concern among stakeholders. These issues highlight significant gaps in both the scope of coverage and the effective implementation of insurance policies for these critical groups.

🔑 Key Takeaways

  • Coverage Gaps: Public sector employees and police face difficulties accessing comprehensive medical benefits
  • Administrative Issues: Delayed reimbursements and bottlenecks hinder timely healthcare access
  • Urgent Reform Needed: Calls for improved management and transparency in insurance schemes
  • Stakeholder Collaboration: Government, insurers, and unions must work together for solutions

📋 Table of Contents

  1. Challenges Overview
  2. Access Difficulties
  3. Coverage Concerns
  4. Stakeholder Response
  5. Contact Information

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Understanding the Current Challenges

Public sector employees and police officers often face difficulties accessing comprehensive medical benefits, despite the vital roles they play in national governance and security. Reports indicate inconsistencies in coverage levels, delayed reimbursements, and administrative bottlenecks that hinder timely access to quality healthcare services.

Healthcare Access Barriers

The challenges have raised questions about the adequacy and management of existing medical insurance schemes designed to support these workers. Many are calling for urgent reforms to ensure that public servants and security personnel receive reliable, efficient, and equitable medical insurance assistance.

Coverage and Implementation Issues

Addressing these concerns is essential not only for the welfare of the workers themselves but also for maintaining morale, productivity, and public trust in government institutions.

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Moving Forward: Collaborative Solutions

Government agencies, insurance providers, and labor unions are urged to collaborate closely to resolve these issues, streamline processes, and enhance transparency in the administration of medical insurance for public sector staff and police.

The Path to Better Coverage

As discussions continue, improving the medical insurance landscape for these key workers remains a critical priority in strengthening Kenya’s public service delivery and social protection frameworks.

Nairobi Hospital Revises Healthcare Tariffs Amid Governance Challenges and Insurance Disputes

Nairobi Hospital Revises Healthcare Tariffs Amid Governance Challenges and Insurance Disputes

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Nairobi Hospital Tariff Controversy: A Healthcare Insurance Standoff

Nairobi Hospital has recently found itself at the center of a contentious debate over healthcare tariffs and insurance coverage. Amid governance challenges and significant public outcry over rising insurance rates, the hospital implemented a marginal average tariff increase of 5%. This adjustment was intended to address operational costs while striving to sustain the high quality of medical care provided.

🔑Key Takeaways

  • Nairobi Hospital implemented a 5% tariff increase to address operational costs
  • Several insurance partners suspended services in response to the tariff hike
  • Hospital leadership rescinded the tariff adjustments to enable dialogue with insurers
  • The situation highlights broader complexities in Kenya’s healthcare-insurance relationship
  • Focus remains on balancing financial sustainability with patient care accessibility

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Insurance Partners’ Response

However, the tariff hike sparked immediate pushback from several insurance partners, some of whom responded by suspending their services at the hospital. This escalating tension prompted Nairobi Hospital’s leadership to reconsider their stance and ultimately rescind the tariff adjustments to create space for constructive dialogue with insurers.

Hospital Leadership’s Decision

The hospital’s leadership has underscored the importance of maintaining quality care for patients while also engaging responsibly and transparently with insurance providers. Their approach signals a willingness to balance the financial sustainability of the hospital with the affordability and accessibility of healthcare for insured patients.

Broader Healthcare Implications

This unfolding situation highlights the broader complexities faced by healthcare providers and insurers in Kenya as they negotiate service costs, coverage levels, and patient care standards in a challenging economic environment.

Future Collaborative Approach

Going forward, Nairobi Hospital aims to foster a collaborative environment that supports patient welfare and financial viability, demonstrating a commitment to safeguarding both healthcare outcomes and fair insurance practices.

Stakeholders across the healthcare and insurance sectors will be closely monitoring developments to ensure solutions emerge that benefit patients, providers, and payers alike.

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Liberty Kenya Reports Sharp 59% Decline in Half-Year Earnings Amid Insurance Sector Challenges

Liberty Kenya Reports Sharp 59% Decline in Half-Year Earnings Amid Insurance Sector Challenges

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Liberty Kenya Earnings Drop 59% in H1 2025: Insurance Sector Faces Mounting Challenges
Liberty Kenya has revealed a significant drop in its financial performance for the first half of 2025, with earnings plunging by 59% to Ksh 260 million. This steep decline underscores the mounting challenges currently facing the insurance sector in Kenya.

Key Takeaways

  • Liberty Kenya’s earnings dropped by 59% to Ksh 260 million in H1 2025
  • The decline reflects industry-wide challenges including increased claims and competitive pressures
  • Insurance companies are struggling to balance premium rates, claim payouts, and operational costs
  • The sector is navigating economic uncertainties and regulatory changes
  • Innovation and enhanced risk management strategies are needed for recovery

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Industry-Wide Challenges

The drop in earnings reflects a combination of adverse factors impacting the industry, including increased claims, competitive pressures, and changing market dynamics. Insurance companies like Liberty Kenya are grappling with the need to balance premium rates, claim payouts, and operational costs while striving to maintain profitability.

Changing Market Dynamics

This earnings decline comes at a time when the sector is also navigating broader economic uncertainties and regulatory changes that affect business operations and consumer confidence.

Economic and Regulatory Impact

The insurance sector is facing unprecedented challenges as economic uncertainties continue to affect business operations. Regulatory changes have also created additional compliance costs and operational adjustments that companies must navigate carefully.

Market Performance Indicator

Liberty Kenya’s performance serves as a barometer for the health of the Kenyan insurance market, highlighting the need for innovation, enhanced risk management, and customer-centric strategies to adapt to evolving challenges.

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Future Outlook and Recovery

The company and the wider industry face a critical period of adjustment as they seek to overcome these hurdles and rebuild growth momentum in the second half of the year.

Strategic Adaptations Required

Insurance companies must focus on digital transformation, improved customer experience, and innovative product offerings to remain competitive in this challenging environment.

Stakeholder Response

Stakeholders will be closely watching how Liberty Kenya and its peers respond to these pressures while continuing to provide vital insurance products to individuals and businesses across Kenya.

Market Expectations

The market expects insurance companies to implement robust recovery strategies that address both short-term challenges and long-term sustainability goals.

Sector Resilience Questions

This earnings update raises important questions about the resilience of the insurance sector and the measures needed to foster sustainability and long-term success in a competitive landscape.

Path Forward

The insurance industry must embrace innovation, strengthen risk management practices, and develop customer-centric approaches to navigate the current challenges and build a more resilient future.

Last Expense Cover vs Life Insurance in Kenya: What’s the Difference?

Last Expense Cover vs Life Insurance in Kenya: What’s the Difference?

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Last Expense Cover vs Life Insurance in Kenya: Complete Guide 2025

In Kenya, families often rely heavily on a single breadwinner. When that person passes away, the emotional loss is heartbreaking — but the financial strain can be just as devastating. That’s where insurance comes in.

Two common solutions are Last Expense Cover and Life Insurance. While the terms are often used interchangeably, they are actually very different — both in purpose and in how they protect families.

If you’ve ever wondered “Do I need last expense cover or life insurance?” this guide breaks it all down, Step by Step.

Key Takeaways

  • Last Expense Cover is designed specifically for funeral and burial costs (KES 100,000 – 1M)
  • Life Insurance provides broader financial protection for dependents (KES 1M – 20M+)
  • Both serve different purposes and the smartest families often combine both
  • Last Expense Cover is more affordable and provides faster payouts
  • Life Insurance offers long-term financial security for families

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What is Last Expense Cover in Kenya?

Last Expense Cover is a type of insurance specifically designed to cover funeral and burial costs when someone passes away.

In Kenya, funerals can cost anywhere from KES 100,000 to KES 1 million depending on family traditions, transport, and community contributions. Without a plan, families often face debt or must rely on fundraising “harambees.” Learn more about understanding funeral costs in Kenya.

How it works:

  • ✅ The insurer pays a lump sum (last expense benefit) immediately after death.
  • ✅ Beneficiaries can use the funds for burial, transport, coffin, hospital bills, or related costs.
  • ✅ Payouts are usually fast (within a few days), since the aim is to ease immediate financial burden.

Example: If a parent passes away, a last expense cover of KES 200,000 ensures the funeral is taken care of without the family scrambling for funds.

What is Life Insurance in Kenya?

Life Insurance is broader. It provides a financial safety net for dependents by paying out a larger lump sum when the insured person passes away.

Instead of just covering funeral costs, life insurance is designed to help families:

  • Replace lost income
  • Pay school fees
  • Cover rent or mortgage
  • Continue running businesses

How it works:

  • ✅ The payout (sum assured) is usually much higher than last expense — often KES 1 million to 20 million+.
  • ✅ It’s typically calculated as a multiple of annual salary or chosen based on family needs.
  • ✅ The money is not tied to funeral costs — the family can use it however they need.

Example: If a breadwinner earning KES 1.2M per year has a life insurance cover of KES 6M, their children’s education and family bills are secured even after death.

Key Differences Between Last Expense Cover and Life Insurance

Here’s a clear side-by-side comparison:

Feature Last Expense Cover Life Insurance
Purpose Covers funeral & burial expenses Provides long-term financial support for family
Payout Amount Usually KES 100,000 – 500,000 (sometimes up to 1M) Usually KES 1M – 20M+ depending on plan
Payout Speed Fast (within days) May take longer (weeks to months, depending on claim process)
Cost of Premiums Very affordable (as low as KES 300/month) Higher premiums (based on cover amount, age, and health)
Flexibility of Funds Mainly used for funeral-related expenses Can be used for anything: school fees, debt, housing, business
Target Audience Families who want funeral costs sorted Breadwinners who want dependents financially secure long-term
Scroll horizontally to see all columns

Which One Do Kenyan Families Need More?

The truth is: both play important roles.

  • Last Expense Cover ensures families don’t face the embarrassment and financial stress of not being able to afford a decent send-off. Discover more about group last expense cover options.
  • Life Insurance ensures dependents don’t struggle with school fees, bills, or poverty after losing a breadwinner.

Common Mistakes Kenyans Make

Many people in Kenya make these mistakes:

  • ❌ Believing Last Expense is the same as Life Insurance
  • ❌ Choosing only the cheapest option without considering family needs
  • ❌ Not reviewing their cover regularly as their income and dependents grow
  • ❌ Relying on “harambees” instead of planning ahead

Avoid these mistakes by working with a trusted insurance intermediary who can guide you.

How Much Do They Cost in Kenya?

  • Last Expense Cover: From as low as KES 500 per month for a KES 100,000 benefit. Check out our most affordable funeral expense coverage.
  • Life Insurance: Varies widely — a young parent may pay KES 2,000–5,000 per month for several million shillings of coverage

At Step by Step Insurance, we help families compare different insurers (APA, Jubilee, Britam, GA, ICEA Lion, Old Mutual, etc.) and choose plans that fit both budget and family needs.

Resource Description
Group Last Expense Cover Guide Comprehensive guide to securing dignified farewell coverage for your loved ones
Affordable Funeral Coverage Discover group last expense cover starting from just KES 500 per year
Understanding Funeral Costs Why group funeral expense cover is a smart move for Kenyan families
Kenya’s Funeral Industry Analysis Cultural traditions fueling economic transformations and insurance opportunities

Final Verdict: Which Should You Choose?

If you can only start with one, begin with Last Expense Cover — it’s affordable and solves the most urgent financial stress.

But if you’re the main breadwinner, Life Insurance is essential to protect your family’s future.

The best approach? Combine both. Last Expense takes care of immediate funeral costs, while Life Insurance secures your children’s education, housing, and long-term financial well-being.

Next Step: Protect Your Family Today

At Step by Step Insurance, we simplify insurance for Kenyan families. Whether you need Last Expense Cover, Life Insurance, or both, we’ll help you compare and choose the right plan.

Get Expert Guidance Today

Our insurance experts are ready to help you choose the perfect coverage for your family’s needs.

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