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.
If you’re looking for a safe, short-term, and high-yield investment option in Kenya, Money Market Funds (MMFs) continue to shine. They offer competitive returns, daily liquidity, and are an attractive choice for investors who want to preserve their capital while earning more than a savings account or most fixed deposits. As of 7th October 2025, the average Money Market Fund yield stands at 9.63% (8.19% after tax) — still comfortably above the inflation rate of 5.6% (September 2025).
🔑 Key Takeaways
Average MMF yield: 9.63% gross / 8.19% after tax
Top performer: Nabo Money Market Fund – 12.42% gross / 10.56% after tax
A Money Market Fund is a low-risk investment vehicle regulated by the Capital Markets Authority (CMA) in Kenya. It pools money from multiple investors and invests in short-term, high-quality financial instruments like Treasury Bills, government bonds, and fixed deposits.
Key Features
Daily interest accrual – your returns compound daily.
High liquidity – access your money within 2–3 days.
Low risk – backed by government and top-tier financial instruments.
Affordable – invest from as little as KSh 1,000 in most funds.
For a detailed analysis of returns and to calculate potential earnings, check out our Money Market Funds Calculator.
📊 October 2025 Money Market Fund Rankings in Kenya
Rank
Fund Manager
Yield (%)
After-Tax Yield (%)
1
Nabo Money Market Fund
12.42
10.56
2
Gulfcap Money Market Fund
12.21
10.38
3
Lofty Corban MMF
12.01
10.21
4
Etica Money Market Fund
12.00
10.20
5
Kuza Money Market Fund
11.91
10.12
6
ArvoCap Money Market Fund
11.14
9.47
7
Enwealth Money Market Fund
10.99
9.35
8
Britam Money Market Fund
10.92
9.28
9
Jubilee Money Market Fund
10.78
9.17
10
Orient Money Market Fund
10.76
9.15
11
Gen Africa Money Market Fund
10.68
9.08
12
Old Mutual Money Market Fund
10.51
8.94
13
Madison Money Market Fund
10.38
8.82
14
Apollo Money Market Fund
9.85
8.37
15
Faulu Money Market Fund
9.84
8.36
16
Dry Associates MMF
9.83
8.37
17
Sanlam Money Market Fund
9.29
7.90
18
Mali Money Market Fund
9.28
7.89
19
CPF Money Market Fund
9.01
7.66
20
KCB Money Market Fund
8.95
7.61
21
ICEA Money Market Fund
8.85
7.52
22
Co-op Money Market Fund
8.83
7.50
23
CIC Money Market Fund
8.80
7.48
24
Gencap Money Market Fund
8.49
7.22
25
Mayfair Money Market Fund
8.42
7.22
26
Absa Money Market Fund
8.30
7.06
27
African Alliance MMF
7.20
6.12
28
Stanbic Money Market Fund
6.41
5.44
29
Ziidi Money Market Fund
6.14
5.21
30
Equity Money Market Fund
5.08
4.31
Average Market Return: 9.63% (8.19% after tax)
🔍 Key Insights from the October 2025 MMF Performance
Nabo Money Market Fund overtakes rivals to become the top performer with a 12.42% yield.
Gulfcap and Lofty Corban MMFs continue to hold strong positions among the top three.
The average market return of 9.63% still beats inflation (5.6%) and Treasury Bills.
After-tax returns remain attractive across the board, with over 20 funds delivering above 7.5% net returns.
Even the lowest-ranked fund (Equity MMF) provides 4.31% after tax, still better than most bank savings accounts.
⚖️ MMFs vs. Other Safe Investments (October 2025)
Investment Option
Gross Yield (%)
After-Tax Yield (%)
91-Day T-Bill
7.79
6.62
182-Day T-Bill
9.05
7.69
364-Day T-Bill
9.50
8.08
Average MMF
9.63
8.19
Inflation (Sept 2025)
5.6
5.6
Central Bank Rate (Aug 2025)
9.25
—
💡 Insight: Money Market Funds not only outperform Treasury Bills after tax but also provide daily liquidity — making them ideal for emergency savings or short-term goals.
🎯 How to Choose the Right Money Market Fund
When selecting an MMF, consider:
After-tax yield: Focus on net returns, not just the headline rate.
Fund manager reputation: Choose CMA-approved and reputable firms.
Minimum investment: Most funds start from KSh 1,000–5,000.
Consistency: Review 3–6 month performance trends.
🧩 Final Thoughts
Money Market Funds remain one of Kenya’s top-performing low-risk investments in 2025. With inflation steady below 6% and top MMFs offering double-digit returns, these funds continue to provide a perfect mix of safety, liquidity, and consistent returns.
Whether you’re parking business funds, saving for short-term goals, or building your emergency fund, MMFs offer a smart and stable path to financial growth.
📞 Need Investment Advice or Insurance Solutions?
Our expert team is ready to help you make informed financial decisions.
Comprehensive Home Insurance Protection | Step by Step Insurance
Your home represents more than just walls and a roof; it is the center of your life, the repository of your memories, and often your single largest financial investment.
Recognizing this profound significance, Step by Step Insurance is committed to helping you protect what you have and own by ensuring you receive the best comprehensive solutions available. We partner with top providers to bring you protection designed to take the worry out of everyday life.
The complexity of protecting a home usually requires multiple policies, but through the Domestic Package Insurance plan, you gain the benefits of five distinct policies bundled into one powerful, unified package.
This comprehensive approach provides policyholders with the necessary confidence and security for the things that matter most.
Key Takeaways
Domestic Package Insurance combines five essential coverages into one policy
Protection extends beyond physical property to include liabilities and domestic staff
Three tailored options available for homeowners, renters, and furnished rental owners
Legal compliance with WIBA for domestic employees is included
Portable items can be covered both inside and outside your home
Why Comprehensive Home Protection is Non-Negotiable
Home insurance is not merely a formality; it is a fundamental financial safeguard against the unexpected.
When unforeseen calamities strike—be it a fire, a severe storm, or theft—the financial repercussions can be devastating. Domestic Package Insurance offers a robust solution, integrating six critical areas of coverage to address the wide spectrum of risks homeowners and occupiers face.
The policy is designed to cover not only the physical structure and contents but also the legal liabilities associated with home ownership and the welfare of domestic staff.
This holistic coverage means that in the event of a disaster, you can focus on recovery rather than ruin.
“The comprehensive nature of this policy provides the confidence and security you need for the things that matter most to you.”
— Step by Step Insurance
The 5 Pillars of Security: Breakdown of Comprehensive Protection
The Domestic Package Insurance is structured into five distinct sections, plus the overarching benefit of combined coverage, offering specialized protection across your entire domestic environment.
Section A: Buildings Coverage (Protecting the Structure)
This section is the foundation of the policy, focusing on the immovable aspects of your property.
It provides coverage for the main building, as well as essential auxiliary structures like outbuildings, fences, and gates.
The coverage is robust, protecting the structure against a wide range of natural and human-related perils.
Bursting or overflowing or escape of water from tanks, pipes, and apparatus.
Natural Hazards
Wind, storms, tempest, floods, overflow of sea water, earthquakes, subsidence, or landslides.
Civil Disturbances
Riot, strike, and civil commotion.
Malicious Damage
Intentional damage caused by persons other than those from your household.
Impact
Impact from aircraft or other aerial devices that may land on your house.
The inclusion of perils like subsidence and landslides is particularly crucial for property owners, as geological shifts, often triggered by severe weather or local construction, can lead to extremely costly structural damage.
Moreover, protection against malicious damage and civil commotion ensures that even deliberate acts causing harm to your property are covered.
Section B: Contents Coverage (Safeguarding Your Possessions)
While Section A protects the walls, Section B protects everything inside them.
This coverage focuses on the loss or damage to your household contents—furniture, appliances, clothing, decorations, and more.
Protecting these items is vital for the quick restoration of your lifestyle following an incident.
Contents coverage primarily safeguards against the three most common domestic threats:
Fire
Burglary
Water Damage (such as leaks or flooding within the house)
Section C: All Risks Coverage (Protecting Portability)
This section is designed for the modern lifestyle, where valuable items often leave the confines of the home.
All Risks coverage protects specified portable items from loss or damage caused by any cause, except those specifically excluded.
This means items that travel with you—such as jewelry, mobile phones, and laptops—are protected whether they are lost, stolen, or damaged outside the home.
Critical Fact on Specifying Valuables:
For highly valuable portable items, the policy stipulates that they must be specified to receive coverage.
Unspecified high-value items—such as jewelry, watches, gold/silver articles, binoculars, photographic equipment, luggage, clothing, and personal effects—will not be covered.
It is essential for policyholders to detail these items at the time of application to ensure full protection.
If you employ domestic servants, you have a legal liability to compensate them in the event of an accident or illness arising out of and in the course of their employment.
This section provides coverage for your obligations under the Work Injury Benefits Act (WIBA).
Benefits Covered:
Compensation for Death
Compensation for Permanent Total Disability (PTD)
Compensation for Temporary Total Disability (TTD)
Medical expenses from injury or disease
Funeral expenses
This ensures both employer protection and fair compensation for domestic workers.
Section E: Third-Party Liability Protection
Homeownership comes with the risk that someone not in your household (a third party) may suffer injury or property damage while on your premises.
Third-Party Liability protects you against legal liability arising from accidental bodily injury or death to third parties, or damage to property, caused by your negligence.
This coverage applies to both owners and occupants.
Analysis of factors driving Kenya’s home insurance market growth
Tailored Solutions for Every Living Arrangement
Recognizing that not all clients are traditional homeowners, the Domestic Package Policy is structured to offer three specialized options, ensuring that protection is perfectly matched to your status—whether you own, rent, or manage furnished properties.
Homeowners Package
Ideal for individuals who own their primary residence (house or condo).
Covers both Buildings (Section A) and Contents (Section B), providing total security for the structure and everything inside it.
Renters Package
Tailored for those occupying a rented property.
A renter does not need structural coverage, but their personal belongings remain highly valuable.
This package focuses on protecting personal belongings against primary risks like theft, fire, and water damage.
Designed for individuals who manage furnished apartments for rental (short or long-term).
It covers the property/furnishings used for business and provides liability protection regarding domestic employees hired to maintain the unit — perfect for hospitality operators.
Package Type
Target Client
Key Coverage Focus
Unique Feature
Homeowners
Primary Residence Owners (House/Condo)
Building Structure & Personal Contents
Full structural and contents protection.
Renters
Individuals Renting a Property
Personal Belongings/Contents
Essential protection against theft, fire, and water damage for possessions.
Furnished Rental Owners
Landlords/BnB Operators
Furnishings, Property, and Employee Liability
Crucial protection for assets used in a rental business.
Beyond Property: Protecting People and Liabilities
A truly comprehensive home insurance policy extends its protection beyond physical assets to cover legal responsibilities and the welfare of individuals associated with the property.
The Domestic Package fulfills this need through two crucial sections — Domestic Employees Protection and Third-Party Liability — ensuring both human welfare and legal peace of mind.
The Path to Security: Application, Claims, and Exclusions
Choosing the right Domestic Package Insurance is a critical decision, and Step by Step Insurance is focused on making the process as straightforward as possible.
Streamlined Application and Service
Our application process is designed to be simple and efficient.
Coverage typically begins immediately once your application is approved and the premium payment received.
Key Facts:
Customization: Packages tailored to your homeowner requirements
Expert Guidance: Agents help you select the right options
Convenience: Competitive rates and a single renewal date
Navigating the Claims Process
Should the unexpected occur, filing a claim is structured for prompt resolution.
Steps to Making a Claim:
Immediate Notification – Notify the insurer right away.
Complete the Form – Fill in all details accurately.
Attach Documentation – Include police abstracts, invoices, or other proof as required.
Critical Exclusions: What is Not Covered
While the coverage is extensive, certain exclusions apply:
Political risks and terrorism
Government action or orders
Unspecified high-value items (as outlined in Section II.C)
These exclusions are standard and highlight the importance of reading your full policy document.
Partnering for Peace of Mind
Investing in Domestic Package Insurance is a proactive step toward protecting your assets and securing your financial future.
By consolidating five key coverages—buildings, contents, portable items, domestic staff, and third-party liabilities—this package delivers unparalleled security.
Step by Step Insurance serves as your trusted partner, leveraging relationships with top providers to ensure you receive robust, competitive, and tailored solutions.
We guide you from selection to claim processing, ensuring peace of mind at every step.
Don’t wait for the unexpected to happen. Take the worry out of everyday life—secure your comprehensive home protection today.
Professional Indemnity Insurance for Consulting Engineers in Kenya | Step by Step Insurance
In Kenya’s fast-growing infrastructure and construction sectors, Consulting Engineers play a vital role. Their expertise in design, analysis, and project supervision forms the backbone of national development. However, with this responsibility comes significant professional risk — errors or omissions can lead to costly lawsuits and reputational damage.
That’s where Professional Indemnity (PI) Insurance steps in — a specialized protection plan designed to safeguard professionals such as engineers, architects, and quantity surveyors from financial and legal exposure.
This article breaks down what PI insurance is, why it’s essential for engineers in Kenya, how Step by Step Insurance supports professionals with tailored solutions, and how to choose the right cover.
Key Takeaway
Professional Indemnity Insurance is not just a regulatory requirement but a critical business protection tool for consulting engineers in Kenya. It safeguards against financial losses from negligence claims, enhances credibility with clients, and is often mandatory for tender participation.
I. Understanding Professional Indemnity (PI) Insurance
What Is PI Insurance?
Professional Indemnity (PI) insurance protects professionals against legal claims arising from negligence, mistakes, or omissions in the services they provide.
While it’s available to all professionals (lawyers, doctors, accountants, etc.), a specialized PI cover for Consulting Engineers caters to the unique technical risks involved in engineering work — including design flaws, specification errors, and miscalculations.
A. The Standard of Professional Care
Engineering is a regulated profession requiring specialized training, licensing, and a high degree of skill. Because of this, engineers are held to a high standard of care.
If a professional fails to meet this standard — even unintentionally — they can be held liable for resulting losses. PI insurance protects against such liabilities.
B. Core Indemnification for Engineers
The policy provides coverage for:
Negligence, errors, or omissions in professional services.
Claims made against the engineer, their partners, or employees.
Acts performed under supervision during the insured period.
Common covered scenarios include:
Design or calculation errors.
Oversights in project specifications.
Failure to meet contractual standards.
II. The Financial Importance of PI Insurance in Kenya
Kenya’s business environment is increasingly litigious — clients are more aware of their legal rights, and court awards for professional negligence are rising.
Without PI insurance, a single lawsuit could bankrupt a small or medium-sized engineering firm.
A. Financial Protection and Asset Security
PI insurance protects professionals from devastating financial losses. It covers:
Client Compensation: Damages awarded to a claimant (up to the policy’s limit).
Legal Defense Costs: Includes court fees, lawyer charges, and expert witness expenses — even if the claim is unfounded.
This ensures that one mistake doesn’t destroy years of hard work.
B. Enhancing Credibility and Business Growth
Beyond protection, PI insurance offers strategic business advantages:
Peace of Mind – Enables professionals to work confidently, knowing they’re covered.
Brand Credibility – Boosts client and investor trust.
Tender Eligibility – Many contractors and government tenders require proof of PI insurance before awarding projects.
Covers reconstruction if documents are lost or damaged.
Often free (up to 10% of policy limit) or at an extra premium.
Defamation (Libel & Slander)
Covers claims for reputational harm.
Free or at an extra premium.
Employee Dishonesty
Covers liability due to dishonest acts by staff.
Available as an extension.
Partner Liability
Covers claims related to incoming/outgoing partners.
Available as an extension.
Other Risks
Breach of confidentiality, omissions, disciplinary hearing costs.
Core or extended coverage.
B. Policy Exclusions
PI insurance does not cover every risk. Exclusions typically include:
Exclusion Category
Detail
Prior Acts
Claims arising before policy start date.
Criminal Acts
Illegal activities or fraud.
Substance Impairment
Acts committed under the influence.
Scope Limitation
Acts outside professional duties.
Insolvency
Bankruptcy or business failure.
Internal Claims
Claims by employees or partners.
Employee Injury
Work-related bodily injury.
Force Majeure
Terrorism or political unrest.
C. Application Requirements
To apply for a PI policy, professionals must provide:
A completed and signed proposal form.
Practicing license(s) or certificate(s).
PIN and ID copies (for individuals).
Company incorporation certificate and CVs of partners (for firms).
Risk Assessment Factors Include:
Qualifications and experience of partners.
Number of qualified employees.
Annual turnover or fees.
Claims history and retroactive cover.
Desired indemnity limits and extensions.
D. Premium Structure and Deductibles
Premiums are annual and depend on the level of liability and type of engineering work. Most policies include a deductible (excess) — the amount the insured must pay per claim, typically 5%–25%.
IV. Step by Step Insurance: Partnering with the Best for Your Protection
At Step by Step Insurance, we believe that your expertise deserves equally expert protection. That’s why we’ve built strong partnerships with Kenya’s top insurance providers, ensuring that every client — from individual consulting engineers to large firms — receives the best coverage, value, and support.
How We Make a Difference
Tailored Solutions
We assess your firm’s specific risk exposure and connect you with an insurer that best matches your professional needs.
Trusted Partnerships
Our collaborations with reputable underwriters mean you get comprehensive cover backed by financial strength and reliability.
Competitive Rates
We negotiate on your behalf to secure the most favorable premiums and terms in the market.
Dedicated Claims Support
In the event of a claim, our team ensures you’re guided through every step — from notification to settlement — for a quick and fair resolution.
Annual Renewal Reminders
We help you stay compliant with licensing and tender requirements by ensuring your policy never lapses.
With Step by Step Insurance, you’re not just buying a policy — you’re gaining a long-term protection partner that helps your business stay resilient, credible, and ready to take on bigger opportunities.
Get Covered Today
Protect your practice, your reputation, and your financial future. Talk to Step by Step Insurance today for a free, no-obligation quote on Professional Indemnity Insurance tailored to your business.
Contractor Liability Insurance in Kenya: Complete Guide 2024 | Step by Step Insurance
In Kenya’s rapidly expanding construction sector, risk is part of everyday operations. Whether it’s property damage, site accidents, or unexpected losses, a single incident can lead to massive financial setbacks. That’s why Contractor Liability Insurance—also known as Commercial General Liability (CGL) Insurance—is crucial for safeguarding your business.
At Step by Step Insurance Agency, we partner with Kenya’s leading insurance companies to offer comprehensive, affordable, and dependable contractor insurance solutions that protect you at every stage of your project.
💡 Key Takeaways
Contractor Liability Insurance protects against third-party claims for property damage or bodily injury, while Contractors All Risks (CAR) Insurance provides broader coverage including damage to works, materials, and equipment. Both are essential for construction businesses in Kenya to manage risks, comply with contractual requirements, and maintain financial stability.
Contractor Liability Insurance protects contractors, builders, and construction firms against third-party claims related to property damage, bodily injury, or other losses arising from business operations.
It provides coverage for legal fees, settlements, and compensation costs, ensuring your business stays financially secure—even when faced with lawsuits or on-site accidents.
“In Kenya’s construction industry, contractor liability insurance is no longer optional — it’s a business necessity for safety, trust, and compliance.” – Step by Step Insurance Experts
Why It’s Essential for Contractors in Kenya
Kenya’s construction industry contributes over 7% to the national GDP, employing hundreds of thousands of skilled and unskilled workers. However, the risks on construction sites—injuries, equipment damage, and legal claims—are constant.
Key benefits of contractor liability insurance include:
Protection from third-party claims (property or bodily injury)
Financial security against unforeseen incidents
Credibility boost when bidding for projects or tenders
Compliance with contractual requirements
Coverage for legal costs and settlements
What Contractor Liability Insurance Covers
Coverage Type
Description
Example Scenario
Bodily Injury
Covers medical costs for third parties injured on-site.
A visitor slips and breaks a leg at your construction site.
Property Damage
Covers accidental damage to another person’s property.
A subcontractor damages a client’s boundary wall.
Products & Completed Operations
Covers damage caused by completed or installed work.
A roof installed by your team collapses weeks after completion.
Legal Costs
Covers attorney fees, court expenses, and settlements.
You are sued by a client after a structural failure.
What Is Contractors All Risks Insurance (CAR)?
Contractors All Risks Insurance (CAR) is an “all risks” cover that provides broader protection than standard liability insurance. It shields contractors from physical loss or damage that may occur during the construction of buildings or infrastructure projects such as:
Residential apartments and office buildings
Industrial facilities and factories
Power plants and dams
Roads, bridges, and other civil works
This policy covers damage to works, materials, equipment, and third-party liabilities, ensuring comprehensive security throughout the construction period.
What Is Covered Under Contractors All Risks Insurance
Coverage Category
Description
Costs of All Materials and Works
Covers all temporary and permanent works used in the construction process.
Principal’s Existing Property
Protects parts of the property or structures already in place before construction began.
Contractors’ Plant, Equipment, and Machinery
Covers physical loss or damage to tools, cranes, mixers, and other machinery at the project site.
Debris Removal Costs
Covers reasonable expenses incurred for removing debris after an accident.
Third-Party Liability
Covers loss or damage to third-party property or injuries arising from project execution.
💡 Fact: Contractors All Risks Insurance is often mandatory for major construction contracts in Kenya, especially in government or donor-funded projects.
Claims Documentation Required
To process a claim under your Contractors All Risks or Contractor Liability policy, you’ll need the following:
A duly completed claim form
A police abstract (if applicable)
Purchase receipts or invoices for affected materials or equipment
A detailed statement of the incident
Any other supporting documentation requested by the insurer
“We are here to give you all the support you need — from documentation to settlement — every step of the way.” – Step by Step Insurance Team
Additional Insurance Options for Contractors
For full protection, Step by Step Insurance recommends combining your liability policy with other specialized covers:
Insurance Type
Purpose
Ideal For
Professional Liability (E&O)
Covers errors, negligence, or omissions in design or consultancy.
Architects, engineers, and project consultants.
Commercial Auto Insurance
Covers vehicles used for construction purposes.
Contractors using pickups, trucks, or vans.
Workers’ Compensation
Covers medical costs and lost wages for injured employees.
Companies employing laborers or site staff.
Builder’s Risk (Contract Works)
Protects construction materials and partially completed structures.
Ongoing building projects.
Commercial Umbrella Liability
Provides extra coverage limits beyond your existing policies.
Large contractors with multiple projects.
Who Needs Contractor Liability or CAR Insurance in Kenya?
If you’re involved in construction or related trades, you need at least one of these policies. They’re ideal for:
General contractors managing large-scale projects
Subcontractors like plumbers, electricians, and welders
Independent tradespeople such as painters and landscapers
Construction project owners and developers
Civil and structural engineers
Having valid insurance signals professionalism and compliance — helping you win more contracts and avoid project delays.
Cost of Contractor Liability and CAR Insurance in Kenya
Your insurance premium depends on several factors:
Factor
Impact on Cost
Project Value
Higher-value projects increase your premium.
Type of Work
Riskier work (e.g., roofing) attracts higher rates.
Business Size
Larger firms with more projects pay higher premiums.
Location
Costs differ across counties (e.g., Nairobi vs. Kisumu).
Claims History
A clean record lowers premiums significantly.
💡 Estimated Range:
Contractor Liability Insurance: From KSh 50,000 – 150,000/year
Contractors All Risks (CAR): From KSh 80,000 – 250,000/project, depending on project value and duration.
Common Exclusions to Note
Not Covered
Alternative Cover
Damage to your own tools or property
Equipment insurance
Employee injuries
Workers’ compensation
Intentional damage or fraud
Not insurable
Pollution or environmental hazards
Environmental liability insurance
Professional errors or negligence
Professional liability insurance
Is Contractor Liability Insurance Legally Required in Kenya?
While Contractor Liability Insurance is not a legal requirement, it’s often mandatory in contractual agreements—especially with government agencies, NGOs, and private developers.
Contractors All Risks Insurance, on the other hand, is often required before work begins on large infrastructure and civil engineering projects.
At Step by Step Insurance, we partner with top-tier insurance companies in Kenya, including ICEA Lion, Britam, Jubilee, CIC, and GA Insurance, to deliver:
✅ Tailored coverage for contractors, engineers, and developers
✅ Competitive pricing with flexible payment terms
✅ Fast and transparent claim processing
✅ Expert advice from licensed insurance professionals
✅ Nationwide service coverage across all major Kenyan cities
“Step by Step Insurance partners with the best insurance companies in Kenya to give contractors peace of mind while they focus on building the nation.”
Benefits of Working with Step by Step Insurance
Benefit
What You Get
Access to Top Insurers
Get quotes from Kenya’s most trusted providers.
Personalized Solutions
Tailored policies for your business type and budget.
Expert Guidance
Clear explanation of exclusions, limits, and claims.
Claim Assistance
Step-by-step help from filing to settlement.
Fast Processing
Quick issuance so you can focus on your projects.
Quick Comparison: Contractor Liability vs. Contractors All Risks Insurance
Feature
Contractor Liability Insurance
Contractors All Risks (CAR)
Covers Third Parties
✅ Yes
✅ Yes
Covers Property Damage
✅ Yes (to others’ property)
✅ Yes (including own works)
Covers Contractor’s Equipment
❌ No
✅ Yes
Covers Employees
❌ No
❌ No (requires workers’ comp)
Covers Material Damage
❌ No
✅ Yes
Covers Completed Work
✅ Yes
✅ Yes
How to Get Covered
Getting insurance through Step by Step is simple:
Request a Quote – Share project details and business size.
Compare Policies – Get tailored options from top Kenyan insurers.
Get Covered – Choose your plan and enjoy peace of mind.
Final Thoughts
In Kenya’s construction industry, risks are unavoidable—but losses don’t have to be. Whether it’s Contractor Liability Insurance or Contractors All Risks Insurance, these covers protect your business, projects, and reputation.
At Step by Step Insurance Agency, we make sure you’re protected every step of the way — from the ground up.
Secure your construction business today. Contact Step by Step Insurance for a free quote and discover why we’re Kenya’s trusted partner for contractor insurance solutions.
Ready to Protect Your Construction Business?
Contact us today for a free consultation and customized insurance solution.
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
Stay updated with the latest insurance trends, tips, and exclusive offers! Join our WhatsApp group and connect with a community of insurance-savvy individuals in Kenya.
Get instant access to: Expert advice, policy updates, claim assistance tips, and special promotions
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
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
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
Notify Step by Step Insurance immediately after an accident
Seek medical attention and collect all medical documentation
Submit claim forms and required supporting documents (police report if applicable)
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
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
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
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.
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:
Visit our website or call our office numbers
Fill out a quick form about your work and needs
Get personalized quotes within 2 days
Choose your policy with our expert guidance
Start working with confidence knowing you’re protected
Contact Step by Step Insurance
Get expert advice and compare quotes from all major Kenyan insurers.
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.
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
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.
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:
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.
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
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.
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)
Get exclusive insights, trends, and tips about insurance in Kenya. Connect with like-minded individuals who care about protecting their families’ future.
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
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.
🎯 Ready to Protect Your Family?
Don’t wait until it’s too late. Get expert guidance on the best senior medical insurance for your family’s needs and budget.
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
Stay updated with the latest insurance trends, news, and expert insights! Connect with like-minded professionals and get exclusive updates on Kenya’s insurance landscape.
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.
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.
