Ultimate Insurance Guide Kenya


Insurance, Its everyone’s dream to be able to insure the things that they love most, well including their lives. But, most of us just don’t know-how, and those who do often make choices that they live to regret. Well, here is a way out, an article that will make you feel like ‘i know it all’, and you need to know it all.

Kenya currently has over fifty registered insurance companies, most of which offer health and general insurance. Most of the products offered by the insured are the same however, each company has an array of value-added services for their clients. That’s why, when it comes to buying a policy, its advisable to know the companies and also check which policies they offer best. Its also to seek professional advice to aid you understand the market, and avoid being one of the countless policy holders who are ignorant about their insurer.

Herein, I have selected a few of the best insurance companies in Kenya and elaborated on the policies they best offer. At the end of this article, you will undoubtedly be in a position to make the right choices when it comes to securing your future and that if your loved ones. So, take a pen and a note book, write the key information and the company’s contacts I have given herein, ti easily facilitate your needs.

I have started with a brief definition of key terms, since, not all of us attended business classes, and if we did, its many years down the line and it is not something you remember every day. Afterward, I have highlighted the top ten companies to first consider when planning to buy a policy.



Insurance is a means of protection from financial loss. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss.

An entity which provides it is known as an insurer, insurance company or underwriter. A person or entity who buys the policy is known as an insured or as a policyholder. The transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer’s promise to compensate the insured in the event of a covered loss.

The loss may or may not be financial, but it must be reducible to financial terms, and usually involves something in which the insured has an insurable interest established by ownership, possession, or pre-existing relationship. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insurer will compensate the insured.


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Below is an elaborated guide of ten insurance companies in Kenya

1. AAR

insuranceAAR is one of the oldest and best insurance companies in Kenya. It began its operations in the country in 1984. Its primary business model was to evacuate accident casualties by air and road. But over the years, AAR has created more opportunities to give its customers a comprehensive health cover.

If you are thinking about health cover, then you don’t have to look further. AAR has for a long time remained outstanding in offering the best health policies in Kenya and East Africa at large. In fact, they have prioritized selling the medical cover more than other policies. This is even indicated in their about ;

“Our response to emerging market opportunities, our flexibility, innovation and readiness to respond to customer needs has made us a leader in medical Insurance in East Africa.”

Recently, they have come up with a new medical policy called ‘unlimicare’.
It offers a large array of services to the Insured and thus its name.

AAR Unlimicare is a revolutionary health cover designed to give you and your family the freedom to enjoy your medical benefits without any limit restrictions.With AAR Unlimicare cover, you now have peace of mind knowing the benefits you purchased are the full benefits you get. Some of the benefits are ;

  • You enjoy your in-patient medical cover up to the full benefits.
  • There are no sub-limits in pre-existing and chronic conditions.
  • New-borns covered from birth up to the full limit.
  • You enjoy maternity cover up to the full cover limit.

It is undoubtedly true that AAR is one of the best firms offering the best health insurance policies. So you can reach out to AAR and choose the best health cover for you and your family.

AAR is located in Real Tower, Upper Hill, Nairobi, Kenya. Or, you can contact them through info@aar.co.ke. The company’s telephone numbers are +254-703063-000, +254-730-633-000, and +254-20-289-5000.

2. British-American Insurance Company Kenya Limited (BRITAM)


Britam is a leading financial services group and one of the best insurance companies in Kenya. It offers a diversified range of financial services and products in banking and property, asset management, and insurance.

It is also one of the best life, general, and micro-insurance companies you can find in Kenya. It offers a wide range of products for both businesses and individuals, including:

  • Medical insurance
  • Personal accident cover
  • Education plans
  • Home insurance
  • Motor vehicle insurance
  • Fire insurance
  • Liability insurance
  • Professional indemnity
  • Marine insurance

Britam is also the leading provider of cyber insurance. Its many years of experience in the industry enables it to provide flexible solutions to help businesses and individuals to plan for the future.

You can contact Britam through email info@britam.com or call +254-705-100-100. Or you can visit the company on Elgon Road, Upper Hill, Nairobi, Kenya.

3. AIG Kenya


AIG is one of the largest general insurance companies in the world. In Kenya, the company has previously operated as Chartis Kenya and Alico insurance since 1972. It has grown to become one of the leading insurance companies in Kenya. The company offers various products for both businesses and individuals. Some of its covers include:

  • Domestic package insurance
  • Private and commercial motor vehicle insurance
  • Motorcycle insurance
  • Travel insurance
  • Individual personal accident insurance
  • Image protector insurance

Businesses can get an array of cover solutions such as property, aviation, and marine insurance. The company also covers business liabilities and has an array of financial lines to protect both SMEs and large corporations.

You will find the company located in Eden Square Complex, AIG House, Chiromo Road. Or, contact them through P.O. Box 49460, 00100 Nairobi Kenya, email aigkenya@aig.com, or call +254-20-3676-000, +254-723-600-400, +254-723-600-500, and +254-731-091-298.

4. CIC

insuranceThe CIC Group is one of the most experienced insurance and financial services companies in Kenya. Having been in existence for over three decades, the insurance firm has brought about innovative products that have made it one of the best medical insurance companies in Kenya. CIC is also a leading provider of micro-insurance in Kenya. Some of its products include:

  • General insurance
  • Life assurance
  • Health insurance

The company has many policies that cover both individuals/families and businesses. It also offers customized products that meet the needs of its customers.

You can contact CIC by visiting the head office at CIC Plaza, Mara Road, Upper Hill, Nairobi, Kenya. Or, call them using +254-703-099-120.

5.GA Insurance Company

GA is a company that specializes in all classes of medical and general insurance. Incorporated in 1979, it is one of the most reputable insurers in the country and a preferred choice for many clients and intermediaries. The company provides personal, business, life, and health cover products to its customers. You can get:

  • Travel insurance
  • Personal accident insurance
  • Motor insurance
  • Engineering insurances
  • Marine and aviation insurances

GA is also a leading provider of bonds, political violence, and terrorism insurance in Kenya. All its products are available at affordable rates and have open policies for all its customers.

You will find the company located on the 4th floor of GA Insurance House, Ralph Bunche Road, Nairobi, Kenya. Also, you can contact them through P.O. BOX 42166-00100, Nairobi, Kenya, or call them via +254-709-626-000.


insuranceJubilee is one of the oldest insurance companies in Kenya. Incorporated in 1937, it played a significant role in the establishment of the composite insurance industry in the country. Today, Jubilee is the best companies in Kenya that offers an array of insurance products and solutions. Some of these include:

  • Motor insurance
  • Health insurance
  • Home insurance
  • Education plans

As a public company with over 80 years of experience, Jubilee creates long-lasting solutions for its customers. Its policies are straightforward, and it has some of the best medical insurance rates in the country.

You can contact the company through email at info@jubileekenya.com, P.O. Box 30376 – 00100 Nairobi, Kenya, telephone+254-20-328-1000. Or, you can visit the insurer at Jubilee Insurance House, Wabera Street, Nairobi.

7.Liberty Life Assurance Kenya Limited

insuranceLiberty Life Assurance Kenya is one of the leading life assurance providers in the country. It has been providing relevant products and services to Kenyans for over 50 years. The company has innovative solutions that help its customers to protect their assets. Also, it has flexible and diverse products such as investment options, education, and retirement savings plans. Its insurance offerings cover individuals, businesses, and families. Some of these include:

  • Life protection plans
  • Funeral plans
  • Education plans
  • Group life assurance

Liberty Life also offers an array of annuity and risk products. It customizes its products to meet the unique needs of individuals, families, and businesses.

You can contact the company through P.O. Box 30364 – 00100, Nairobi, Kenya, phone +254-711-076-222, or email csc@libertylife.co.ke. Or, visit its headquarters at Liberty House, Professional Way, Nairobi, Kenya.

8.UAP Old Mutual

UAP Old Mutual Group is an integrated financial services company. It is one of the largest financial services groups in Kenya, and an experienced player in offering insurance, asset management, investment, and banking solutions to its customers. Some of its insurance products include:

  • Health insurance
  • Personal accident cover
  • Home insurance
  • Agriculture insurance
  • Corporate health insurance
  • Motor commercial cover

UAP Old Mutual is a leading provider of disability income cover in the region. It is a product that covers individuals against the loss of income mostly due to accidental physical harm. You can contact the company through:

Email: uapinsurance@uap-group.com
Phone: +254-20-2850-000, +254-711-065-000, +254-711-065-100, or +254-711-010-100.
Or you can visit UAP Old Mutual Tower, Upper Hill Road, P.O. Box 43013 – 00100, Nairobi, Kenya.

9.Resolution Insurance Company

Resolution Insurance has many insurance products and services. Incorporated in 2002 and formerly known as Resolution Health, the company offers many solutions that cater to the insurance needs of Kenyans. Some of these include:

  • Property covers
  • Medical plans
  • Motor covers
  • Travel plans
  • Liability
  • All classes of general insurance

Insurance products availed by the company provide value to customers wherever and whenever they are. Resolution Insurance is one of the few insurers in Kenya that allow policyholders to contribute premiums in flexible monthly installments.

Resolution Kenya is situated at Parkfield Place, Muthangari Drive, Off Waiyaki, Nairobi, Kenya. Or, you can contact them using email info@resolution.co.ke or call them using+254-709-990-000, +254-730-199-000, and +254-20-2894-000.

10.Madison Insurance Company Kenya

insuranceMadison is a diversified financial services company in Kenya incorporated in 1988. The company provides some of the best insurance products in the country at the most reasonable rates. It has many solutions that meet customer expectations. Some of its products include:

  • General insurance
  • Health insurance
  • Life assurance
  • Travel insurance

Madison is one of the best education insurance companies in Kenya. It has an education policy that seeks to enable children to live their dreams by covering the costs involved.

You can get in touch by emailing madison@madison.co.ke, writing a letter to P.O. Box 47382 – 00100, Nairobi, Kenya, or calling them via +254-20-2864-000 and +254-709-922-000. Or, you can visit their head offices at Madison House, Upper Hill Close.

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As I had said earlier, there are numerous insurance companies in Kenya, some might be even selling best policies out there. But in this article, I wanted to give you an insight if the companies that have stayed in the industry for long, companies that have proved to be reliable over the decades. You may opt to choose another insurance company to buy a policy from, but this article aims at giving you the basics of insurance in Kenya. You can reach out to the insurance companies for detailed information on the policy you want to buy.

I would also like to note that I do not discredit the rest of the insurance companies, but come on, we all want value for our money, reliability any day at any time. Whenever and wherever needed. So, reach out to either of the companies above, insure your property, car, business, and family health.

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