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Tulinde blog · Kenya

Insurance in Kenya: the blog

62 guides for Kenya, from what the law requires to which insurer pays fastest — every fact linked to the regulator or the Act.

62 guides

Health & life · KenyaSHA registration: the complete guide (online, *147#, assisted registration, documents, dependants)Step by step: online, *147# or Huduma — documents, dependants, means testing, payment and what SHA covers.9 min read · Updated 28 October 2026Motor & vehicles · KenyaDMVIC check: verify a motor insurance certificate (*352#, Bima Yangu, verify.dmvic.com)*352#, the Bima Yangu app or verify.dmvic.com: what each result means, the four certificate forms, fakes and penalties.8 min read · Updated 28 October 2026Insurers & your rights · KenyaInsurance companies in Kenya 2026: the full list of the 59 licensed by IRA (insurers, brokers, agents)The 2026 IRA list: 22 life, 35 general and 5 micro-insurers, 181 brokers — and how to check any company or agent yourself.3 min read · Updated 28 October 2026Motor & vehicles · KenyaInsurance (Motor Vehicle Third Party Risks) Act, Cap 405 Laws of Kenya: what it requires of driversCap 405 section by section: compulsory cover, the KES 3 million limit, s.10 judgments, the penalties and the *352# check.11 min read · Updated 28 October 2026Health & life · KenyaHow much is SHA per month? Contribution calculator (2.75%, minimum KES 300)2.75% of income, minimum KES 300 a month, no ceiling — calculate it, plus due dates and the 2% penalty.3 min read · Updated 28 October 2026Insurers & your rights · KenyaTop 10 insurance companies in Kenya (2025): the IRA ranking by premiumThe top 10 general insurers and the life insurers of Kenya ranked by premium, with claims ratios — from IRA Kenya's 2025 figures.5 min read · Updated 23 September 2026Health & life · KenyaHealth insurance in Kenya: SHA, private medical cover and employee health insuranceSHA replaced NHIF in October 2024: 2.75% of income, KES 300 minimum. Where private cover fits.5 min read · Updated 28 October 2026Home, business & travel · KenyaWIBA insurance in Kenya (WIBA Act 2007): the complete guide for employers and workersCompulsory for every employer: who is covered, compensation (96 months × disablement), DOSH 1, deadlines, appeals.5 min read · Updated 23 September 2026
Insurers & your rights · KenyaInsurance brokers in Kenya: the 181 brokers licensed by IRA for 2026All 181 brokers licensed for 2026 in alphabetical order, broker or agent, and the premium rule that protects you.8 min read · Updated 31 October 2026Motor & vehicles · KenyaOne month third-party insurance in Kenya: who sells it, for cars and boda bodas, and what it costsMonthly third-party cover exists in Kenya: Directline sells it for private cars by *319# and for motorcycles. What it covers, what is not published, and the gap to avoid.6 min read · Updated 31 October 2026Home, business & travel · KenyaProfessional indemnity, public liability and goods in transit insurance in Kenya: what each covers and who must have itThree business covers that are not WIBA: professional mistakes, injury or damage to the public, and goods on the road. What they cover and who must hold them.6 min read · Updated 31 October 2026Insurers & your rights · KenyaIRA Kenya: what the Insurance Regulatory Authority does, its portal and how to check a licenceWho IRA is, what it licenses (59 insurers, 181 brokers in 2026), what the IRA portal is for, and which insurers are under statutory management.7 min read · Updated 31 October 2026Health & life · KenyaSHA hospitals: how to find an SHA-contracted facility, including private hospitalsSHA's official list of contracted facilities by county, private and faith-based hospitals included, your primary care facility, what to bring and who to call if a hospital turns you away.5 min read · Updated 31 October 2026Health & life · KenyaWhat is the Social Health Authority (SHA)? How Kenya's public health insurance worksSHA in plain words: the law behind it, its three funds, who must register and pay, how facilities get contracted, and where to complain.5 min read · Updated 31 October 2026Health & life · KenyaSHA portal login: how to sign in to Afya Yangu and what you can do thereWhere the real SHA login is, what you need to sign in (ID, PIN, a one-time code), how to reset a PIN, and which portal is for members, employers or hospitals.5 min read · Updated 31 October 2026Health & life · KenyaMadison insurance medical cover in Kenya: Betterlife plans, limits and waiting periodsMadison Betterlife's three plans, the inpatient and outpatient limits, every waiting period, who can join and how.4 min read · Updated 28 October 2026Motor & vehicles · KenyaExcess protector in Kenya: what it covers, what it costs and when it pays offThe excess you pay on every comprehensive claim, the extra that removes it, the published rates and minimums, and how to work out whether it is worth it for your car.5 min read · Updated 28 October 2026Insurers & your rights · KenyaInsurance premium financing (IPF) in Kenya: how paying your premium in instalments worksWhy Kenyan insurers want the premium upfront, how an IPF loan pays it for you, the terms two lenders publish, and what to check before you sign.5 min read · Updated 28 October 2026Health & life · KenyaFirst Assurance medical cover in Kenya: First Med plans, premiums and conditionsFirst Med's five options, the yearly premiums First Assurance publishes by age, the optional benefits and the conditions to read before you buy.5 min read · Updated 28 October 2026Health & life · KenyaAAR medical cover packages in Kenya: ShwAARi prices, the family plan and seniors coverAAR's ShwAARi premium table by family size, what the individual and family plan includes, the seniors cover and the waiting periods AAR sets.5 min read · Updated 28 October 2026Health & life · KenyaCIC medical cover in Kenya: Family Medisure, Seniors Mediplan, Afya Bora and CoopCareCIC's four retail medical covers side by side: who can join, the limits, the only premiums CIC publishes, waiting periods and how to get a quote.7 min read · Updated 28 October 2026Health & life · KenyaLinda Mama under SHA: free maternity care, what SHA pays and how to registerWhat SHA's maternity cover pays, where delivery is free, how antenatal care and the newborn are covered, and the steps to register mother and baby.5 min read · Updated 28 October 2026Health & life · KenyaWhat does SHA cover? The SHA benefits package and what SHA pays, fund by fundOutpatient, admissions, maternity, dialysis, cancer, imaging, dental, emergencies: what each SHA fund pays, the amounts SHA publishes and the limits per household.8 min read · Updated 28 October 2026Health & life · KenyaHow to check your SHA status in Kenya: active or inactive, and how to fix itCheck your SHA coverage in a minute on SHA's own page, read what an inactive status blocks, and clear the cause: arrears, an employer's unpaid penalty or a missed Pole Pole instalment.7 min read · Updated 28 October 2026Motor & vehicles · KenyaMonarch third-party insurance in Kenya: price, what it covers and how to buyMonarch quotes each vehicle and publishes no third-party rate. What its three motor covers are, what the law makes third-party pay for, and how to buy safely.6 min read · Updated 28 October 2026Health & life · KenyaCR number in SHA: what it is, where to find it and when you need itSHA asks for a "CR number" at the bank and on its coverage checker. What the Client Registry is, which law sets it up, and when your ID number is enough.6 min read · Updated 27 October 2026Health & life · KenyaHow to pay an SHA penalty as an employer in Kenya: the 2% charge, the e-slip and getting staff active againAn employer who remits SHA deductions after the 9th owes a 2% monthly penalty. How it is worked out, where it shows, how to pay it, and the risks of leaving it unpaid.6 min read · Updated 25 October 2026Health & life · KenyaBritam health insurance in Kenya: plans, prices and hospitalsMilele Health's five plans, the Bima ya Mwananchi prices Britam prints, the waiting periods, which hospitals you can use and how to buy.8 min read · Updated 23 October 2026Health & life · KenyaCost of life insurance in Kenya: what sets your premium, and the prices insurers publishNo official price list exists: what the premium depends on, the starting prices two insurers publish, medical tests, tax relief and the traps.6 min read · Updated 22 October 2026Home, business & travel · KenyaTravel insurance in Kenya 2026: what a Schengen or UK visa requires, and the 29 insurers the EU Delegation acceptsThe EUR 30,000 rule of the EU Visa Code, the EU Delegation's 2025 list of Kenyan insurers approved for Schengen travel medical insurance, and the questions to ask before you pay.5 min read · Updated 31 October 2026Health & life · KenyaHow to pay SHA: paybill 200222, *147#, Lipa SHA Pole Pole and what happens if you are lateEvery official way to pay SHA, step by step: the SHA paybill number, *147#, the portal, banks, paying in instalments, and what a late payment costs.5 min read · Updated 21 October 2026Home, business & travel · KenyaWIBA and WIBA Plus in Kenya: what the law requires and what WIBA Plus addsWIBA is the compulsory work-injury policy; WIBA Plus is an insurer product that adds off-duty, 24-hour accident cover. What each covers, from the Act and the insurers' own pages.5 min read · Updated 21 October 2026Motor & vehicles · KenyaTuk-tuk insurance cost in Kenya: what the law requires, published rates and what changes the priceThe cover a tuk-tuk taxi must carry, the rates Co-op Bank's insurance agency publishes, the excesses behind the price, and how to compare quotes.6 min read · Updated 21 October 2026Health & life · KenyaSanlam medical cover in Kenya: what Sanlam Allianz sells, and what it does notSanlam Allianz Kenya publishes no medical insurance plan and wrote no medical premium in 2025. What it does offer, and where to look for a hospital cover instead.5 min read · Updated 20 October 2026Motor & vehicles · KenyaJubilee car insurance in Kenya: who sells it now, what the cover includes and how to buyJubilee's motor business in Kenya became part of Sanlam Allianz in November 2025. The cover, the limits and the excesses its own page lists, and how to get a quote.6 min read · Updated 19 October 2026Insurers & your rights · KenyaMUA Insurance in Kenya in full: the company, its covers, published prices and claimsWho MUA is in Kenya, what it sells to families and businesses, the only prices it publishes and how its medical claims work.7 min read · Updated 16 October 2026Insurers & your rights · KenyaHow to check if your insurance is valid in Kenya: motor, SHA, medical and life coverFour checks that work for every policy — licensed insurer, licensed seller, premium received, cover dates — then the official tool for each type of cover.6 min read · Updated 14 October 2026Insurers & your rights · KenyaBest health insurance companies in Kenya: what the regulator's figures show, and how to chooseNo regulator rates health insurers on service. What IRA does publish for each of them in 2025, how to read a medical claims ratio, and the checks that matter before you buy.6 min read · Updated 13 October 2026Motor & vehicles · KenyaBritam comprehensive car insurance: price, what is covered and paying in instalmentsBritam publishes no rate for comprehensive car cover. What its own pages say about the cover, the free benefits, MotiFlex instalments and the valuation rule.6 min read · Updated 12 October 2026Motor & vehicles · KenyaCheapest car insurance in Kenya: why there is no honest top 10, and how to pay lessNo regulator ranks motor insurers by price. How a premium is built, what CIC and ICEA LION publish, and five ways to pay less without losing cover.6 min read · Updated 11 October 2026Health & life · KenyaEducation insurance in Kenya (school fees policies): what it covers, what it costs and how to claimHow an education policy saves for school fees and keeps paying if the parent dies, what Britam, ICEA LION and Absa Life publish, the 15% tax relief and the claim documents.8 min read · Updated 9 October 2026Health & life · KenyaM-TIBA health insurance in Kenya: packages, prices and how to enrollWhy M-TIBA has no price list of its own, who sets the premium, and how to set up and use *253# or the My M-TIBA app.6 min read · Updated 7 October 2026Health & life · KenyaPersonal accident cover in Kenya: what it pays, what it costs and how to claimWhat a personal accident policy pays for death, disability and medical bills, the premiums two insurers publish, the exclusions and the claim steps.8 min read · Updated 3 October 2026Insurers & your rights · KenyaInsurance relief in Kenya: how life, education and health policies cut your income taxWhat section 31 of the Income Tax Act gives back on your premiums, how to work it out, how your employer applies it, and why SHA contributions are treated differently.6 min read · Updated 1 October 2026Health & life · KenyaLast expense cover in Kenya (funeral insurance): what it costs, who it covers and how to claimWhat a last expense policy pays, the premiums one insurer publishes, the waiting periods and exclusions, and the documents for a claim.8 min read · Updated 29 September 2026Health & life · KenyaAPA Insurance medical cover in Kenya: Jamii Plus and Afya Nafuu plans, prices and hospitalsJamii Plus and Afya Nafuu side by side: inpatient limits, the only premium table APA publishes, waiting periods and the hospital panel.9 min read · Updated 21 October 2026Health & life · KenyaJubilee insurance medical cover packages and prices in Kenya: plans, waiting periods and hospitalsCoverBora, J-Care's six plans, the Johari package and J-Biz for small businesses: the yearly premiums Jubilee publishes and the waiting periods.12 min read · Updated 28 October 2026Motor & vehicles · KenyaComprehensive vs third-party car insurance in Kenya: what each covers and what sets the priceWhat the Cap. 405 minimum pays for, what only a broader policy covers, and how to compare quotes.3 min read · Updated 28 October 2026Motor & vehicles · KenyaMotorcycle insurance in Kenya: what a private bike and a boda boda need, what it costs, how to check itMotorcycle taxis need third-party PSV insurance; passengers must be covered. Helmets, jackets and tuk-tuks.3 min read · Updated 28 October 2026Motor & vehicles · KenyaMatatu, PSV and ride-hailing insurance in KenyaNTSA licensing needs PSV third-party insurance; ride-hailing cars need valid cover and must be ≤16 years old.2 min read · Updated 23 September 2026Health & life · KenyaSHA vs private medical insurance in Kenya: what each coversCompulsory SHA vs optional private cover: price, waiting periods, hospitals — and when to combine them.2 min read · Updated 23 September 2026Health & life · KenyaLife insurance in Kenya: types of policy and who sells themTerm, whole life, education policies — and the 22 life insurers licensed for 2026.2 min read · Updated 23 September 2026Home, business & travel · KenyaHome insurance in Kenya: what a domestic package covers and who sells itOptional in Kenya: what a domestic package covers, what to compare, and the 90-day claim rule.3 min read · Updated 28 October 2026Home, business & travel · KenyaCOMESA yellow card insurance in Kenya: cover, where to buy it and how to check itThe yellow card for cross-border driving: cover, where to buy, and the *384*254# check.2 min read · Updated 23 September 2026Insurers & your rights · KenyaInsurance complaints by company in KenyaComplaints filed against each insurer, compared with its size.2 min read · Updated 23 September 2026Insurers & your rights · KenyaCompare two insurers in KenyaPick two insurers and see them side by side: size, claims ratio, complaints.2 min read · Updated 23 September 2026Insurers & your rights · KenyaHow to complain about an insurer in KenyaInsurer first, then IRA: online form, complaints@ira.go.ke or the toll-free line 0800 724 499.2 min read · Updated 28 October 2026Insurers & your rights · KenyaWho's who in insurance in Kenya: regulator, industry bodies and insurer CEOs (2026)The regulator, industry bodies, complaints bodies and the CEOs of the largest insurers, each from an official page, read 31 Oct 2026.6 min read · Updated 31 October 2026Motor & vehicles · KenyaCar insurance in Kenya: premium calculator with levies and stamp dutyValue × rate, minimum premium and extras, then the statutory levies and stamp duty every policy carries — with CIC's published rates as a worked example.5 min read · Updated 28 October 2026Health & life · KenyaInsurance relief calculator for Kenya: 15% of premiums, up to KES 60,000Type your premium, see the relief a month and a year, and whether your policy, and the person it covers, qualifies under section 31 of the Income Tax Act.3 min read · Updated 28 October 2026Home, business & travel · KenyaWIBA compensation calculator: permanent injury, time off work and deathType the monthly earnings, pick the injury from the First Schedule, and see the compensation the Work Injury Benefits Act sets — with the formula and the section.4 min read · Updated 28 October 2026Health & life · KenyaSHA penalty calculator for employers: 2% a month on late contributionsEnter the monthly SHA contributions and the months not remitted: the penalty month by month, the arrears and the total to clear before staff are active again.3 min read · Updated 28 October 2026
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