Largest insurers compared in Kenya

Largest insurance companies in Kenya (2025), compared

Insurers & your rights4 min read · Reviewed on 23 September 2026 by the Tulinde editorial team · how we check facts

Short answerChecked 23 September 2026

In 2025, CIC General Insurance Company wrote the most general insurance premium in Kenya (KES 20,641.5 million, a 9.09% market share). In life insurance, Britam Life Assurance led with KES 53,136.7 million. Size is not quality: look at the claims ratio and the complaints too, and compare policies before you choose.

General insurers ranked by premium (2025)

#	Insurer	Premium (KES million)	Market share	Incurred claims ratio 2025 (%)
1	CIC General Insurance Company	20,641.5	9.09%	72.5%
2	APA Insurance Limited	19,381.2	8.53%	72.8%
3	Old Mutual General Insurance	18,363.3	8.08%	67.5%
4	GA Insurance Company	17,109.6	7.53%	73.8%
5	Jubilee Health Insurance	17,047.5	7.50%	81.9%
6	Britam General Insurance	14,944.8	6.58%	67.5%
7	AAR Insurance Kenya	12,772.1	5.62%	74.0%
8	Madison Insurance Company	9,439.5	4.16%	74.2%
9	ICEA LION General Insurance	9,043.9	3.98%	49.9%
10	Mayfair Insurance Company	9,011.4	3.97%	52.4%
11	The Heritage Insurance Company	8,693.3	3.83%	63.4%
12	Sanlam Allianz General Insurance	7,726.9	3.40%	60.8%
13	First Assurance Company	7,258.2	3.20%	72.6%
14	Bupa Global Insurance	5,329.1	2.35%	71.5%
15	Geminia Insurance Company	5,023.9	2.21%	86.2%
16	Fidelity Shield Insurance	5,013.8	2.21%	77.0%
17	African Merchant Assurance	3,850.9	1.70%	73.2%
18	NCBA Insurance Company	3,632.5	1.60%	38.3%
19	Pacis Insurance Company	3,536.8	1.56%	56.2%
20	Intra-africa Assurance	3,488.5	1.54%	44.8%
21	Pioneer Insurance Company	3,015.5	1.33%	68.4%
22	Directline Assurance Company	2,734.1	1.20%	88.3%
23	Kenindia Assurance Company	2,673.5	1.18%	68.8%
24	Cannon General Insurance	2,417	1.06%	90.2%
25	Tausi Assurance Company	2,192.4	0.97%	28.8%
26	Star Discover Insurance	2,164.2	0.95%	84.3%
27	MUA Insurance Company	2,156.8	0.95%	70.3%
28	Equity General Insurance Limited	1,789	0.79%	64.6%
29	Occidental Insurance Company	1,737.3	0.76%	41.8%
30	The Kenyan Alliance Insurance	1,666.3	0.73%	69.7%
31	Definite Assurance Company	1,148.7	0.51%	39.2%
32	Kenya Orient Insurance	1,113.7	0.49%	29.0%
33	Takaful Insurance Of Africa	1,031.3	0.45%	69.4%
34	Equity Health Insurance Limited	19.2	0.01%	165.0%

Source: IRA Kenya — Insurance Industry Release Q4 2025 (Appendices 7, 18, 22; complaints Figures 2–3). Figures converted from KES thousands as printed. A claims ratio is claims relative to premium: very low can mean few claims paid, very high can mean losses; read it with the other columns.

Largest motor insurers in Kenya

#	Insurer	Motor premium (KES million)	Share of motor (calculated)
1	CIC General Insurance Company	6,614.3	10.8%
2	APA Insurance Limited	5,470.4	8.9%
3	Madison Insurance Company	4,112.4	6.7%
4	Sanlam Allianz General Insurance	3,531.8	5.7%
5	African Merchant Assurance	3,472.4	5.6%
6	GA Insurance Company	3,368	5.5%
7	Old Mutual General Insurance	3,336.8	5.4%
8	ICEA LION General Insurance	3,121.2	5.1%
9	Directline Assurance Company	2,734.1	4.4%
10	Fidelity Shield Insurance	2,703.5	4.4%
11	Britam General Insurance	2,319.6	3.8%
12	Geminia Insurance Company	2,176	3.5%

Largest medical insurers in Kenya

#	Insurer	Medical premium (KES million)	Share of medical (calculated)
1	Jubilee Health Insurance	17,047.5	18.3%
2	AAR Insurance Kenya	12,539	13.4%
3	Old Mutual General Insurance	11,241.4	12.1%
4	CIC General Insurance Company	10,175.1	10.9%
5	APA Insurance Limited	7,901.1	8.5%
6	Britam General Insurance	7,102.4	7.6%
7	Bupa Global Insurance	5,329.1	5.7%
8	GA Insurance Company	4,735.9	5.1%
9	First Assurance Company	3,755.5	4.0%
10	The Heritage Insurance Company	3,615.9	3.9%
11	Madison Insurance Company	3,232.1	3.5%
12	Star Discover Insurance	1,553.9	1.7%

Life insurers ranked by premium (2025)

#	Insurer	Premium (KES million)	Market share
1	Britam Life Assurance	53,136.7	22.57%
2	ICEA LION Life Assurance	32,815	13.94%
3	Jubilee Life Insurance	30,655	13.02%
4	Kenindia Assurance Company	18,169.9	7.72%
5	APA Life Assurance Company	14,523	6.17%
6	CIC Life Assurance Company	13,269.7	5.64%
7	GA Life Assurance Company	13,015.4	5.53%
8	ABSA Life Assurance	10,028	4.26%
9	Pioneer Assurance Company	9,035.9	3.84%
10	Old Mutual Life Assurance Kenya	6,631.1	2.82%
11	Liberty Life Assurance Company	6,280.1	2.67%
12	Equity Life Assurance	6,099.7	2.59%
13	Sanlam Life Assurance	6,058.6	2.57%
14	Madison Insurance Company	5,814.5	2.47%
15	Prudential Life Assurance	3,418.8	1.45%
16	Geminia Life Insurance Company	2,149	0.91%
17	Kenya Orient Life Assurance	1,402.6	0.60%
18	Capex Life Assurance Company	1,357.7	0.58%
19	The Kenyan Alliance Insurance	914.6	0.39%
20	Cannon Life Assurance (K) Limited	540.5	0.23%
21	Star Discover Life Insurance	40.2	0.02%
22	Corporate Insurance Company	34	0.01%

What would you like to do now?

Compare offers in Kenya Check that my current cover is valid Keep reading the guides

Frequently asked questions

What is the biggest insurance company in Kenya?

By general insurance premium in 2025: CIC General Insurance Company, with KES 20,641.5 million. In life insurance: Britam Life Assurance.

Which insurer sells the most motor insurance in Kenya?

CIC General Insurance Company, with KES 6,614.3 million of motor premium in 2025.

Which is the biggest medical insurer in Kenya?

Jubilee Health Insurance, with KES 17,047.5 million of medical premium in 2025.

Sources

IRA Kenya — Insurance Industry Release Q4 2025 (Appendices 7, 18, 22; complaints Figures 2–3)