{"agency":{"name":"RAA Insurance Agency","country":"Kenya","city":"Nairobi","address":"330 Diani Road, off Oledume Road, Nairobi","phones":["+254 722 406 947","+254 786 245 069"],"email":"info@raainsuranceagency.co.ke","languages":["en-KE","sw-KE"],"website":"https:\/\/raainsuranceagency.co.ke","llms_txt":"https:\/\/raainsuranceagency.co.ke\/llms.txt","sitemap_xml":"https:\/\/raainsuranceagency.co.ke\/sitemap.xml","graphql_endpoint":"https:\/\/raainsuranceagency.co.ke\/graphql"},"products":[{"slug":"health-insurance","title":"Health Insurance","category":"Personal & Corporate","tagline":"You may not need it now, but in an instant, having it can save both your General & Financial Health!","summary":"Health insurance ensures you access timely & quality medical care irrespective of whether you have money or not. Talk to us for quality and affordable health insurance solutions for your various needs.","turnaround":"Same-Day Comparative Quotes","url":"https:\/\/raainsuranceagency.co.ke\/products\/health-insurance","hero_image":"https:\/\/raainsuranceagency.co.ke\/images\/editorial\/health-global-care.png","key_benefits":["In Patient Cover","Out Patient Cover","Dental Cover","Optical Cover","Maternity Cover","Last Expense Cover","Emergency Treatment Cover","Excess of Loss Covers"],"coverage_tiers":[{"desc":"Comprehensive In-Patient and Out-Patient packages with Maternity, Dental, Optical, and Last Expense options across AAR Insurance (ShwAARi \/ Cover Me), CIC Group (Afya Bora), Jubilee, Britam, Old Mutual, and APA.","name":"Individual & Family Medical Tiers (Platinum, Gold, Silver & Bronze)","badge":"Personal & Family"},{"desc":"Dedicated health insurance for parents and senior citizens covering chronic and pre-existing conditions (AAR Senior CAARE, CIC Seniors Mediplan, Jubilee Senior Plan).","name":"Senior Citizens Medical Cover (Ages 60 to 85)","badge":"Seniors (60\u201385 Yrs)"},{"desc":"Flexible employee medical packages (CIC SME Medipack, AAR SME Medical, CoopCare) with customizable staff benefit categories, wellness checkups, and wide hospital panels.","name":"SME, Corporate & Co-operative Medical Schemes (3+ Staff)","badge":"SME & Corporate"},{"desc":"Worldwide medical treatment and cross-border evacuation (Europe, India, UK, USA, Dubai & Africa) underwritten by Bupa Global, The Cigna Group, and Aetna International.","name":"International Medical & Air Evacuation Cover","badge":"Global Health"}],"recommended_underwriters":["bupa","cigna","aetna","aar-insurance","cic-group","jubilee-insurance","apa-insurance","britam","old-mutual"],"faqs":[{"a":"Yes. RAA Insurance Agency arranges dedicated Senior Citizens Medical Covers (including AAR Senior CAARE, CIC Seniors Mediplan, and Jubilee Senior Plans) tailored for ages 60 to 85 with chronic condition support.","q":"Can I get health insurance for parents aged 60 to 85 in Kenya?"},{"a":"We compare benefits, hospital panels, waiting periods, and premiums across 16+ local and international insurers\u2014at zero additional brokerage cost to you.","q":"How many health insurance underwriters does RAA compare for me?"}]},{"slug":"motor-insurance","title":"Motor Insurance","category":"Personal & Commercial","tagline":"Covers are available for Private Cars, Commercial Vehicles, Motor Cycles, and Other Vehicles.","summary":"Covers are available for Private Cars (Saloons, Station wagons, Estates, and 4X4), Commercial vehicles (pick ups, trucks, vans, and company\/school buses), Motor Cycles, and Agricultural\/Construction\/Emergency vehicles.","turnaround":"Instant Digital Motor Certificate","url":"https:\/\/raainsuranceagency.co.ke\/products\/motor-insurance","hero_image":"https:\/\/raainsuranceagency.co.ke\/images\/editorial\/motor-prestige.png","key_benefits":["Private Cars - These will include Saloons, Station wagons, Estates, and the large four wheel drives (4X4). The key aspect of these vehicles is that they must be used for social, domestic and pleasure purposes only.","Commercial vehicles - These will range from small half ton pick ups to the large monster trucks on the roads. They will also include: Vans and company\/school buses. The key aspect here is that the vehicles must only be used for the insured business only and will exclude all usage for hire or reward e.g. taxis, matatus and any general carriage of goods for reward. Carriage of passengers is usually excluded in this class but can be bought back at a modest fee.","Motor Cycles - Used for the insured business only.","Other vehicles - These will include agricultural type vehicles of tractors, combine harvesters, construction vehicles of graders and shovels, to emergency response vehicles of ambulances, fire tenders etc."],"coverage_tiers":[{"desc":"Full accidental damage, fire, theft, free windscreen & radio cassette limits, courtesy car extensions, Political Violence & Terrorism (PVT), and Excess Protector options.","name":"Comprehensive & Third-Party Private Motor (Saloons, Station Wagons & 4x4)","badge":"Private & 4x4"},{"desc":"Tailored cover for half-ton pick-ups, delivery vans, heavy prime movers, and company or school buses (CIC School Guard \/ ICEA LION \/ APA Fleet packages) with Passenger Legal Liability extensions.","name":"Commercial Vehicles, Logistics Fleets & School Buses","badge":"Commercial & Fleets"},{"desc":"Dedicated policies for corporate dispatch motorcycles, agricultural tractors & combine harvesters, construction graders & shovels, and emergency ambulances or fire tenders.","name":"Business Motorcycles, Agricultural Tractors & Construction Plant","badge":"Motorcycles & Special"}],"recommended_underwriters":["jubilee-insurance","britam","old-mutual","apa-insurance","fidelity-insurance","heritage-insurance","icea-lion","cic-group","occidental-insurance","takaful-insurance"],"faqs":[{"a":"Once your details and payment (via M-Pesa or bank transfer) are confirmed, your official AKI digital motor certificate is issued immediately.","q":"How quickly do I receive my digital motor insurance certificate?"},{"a":"Yes. We connect you directly with underwriter-appointed motor valuers across Nairobi and major Kenyan towns at no extra charge.","q":"Do you coordinate free vehicle valuation for Comprehensive Motor cover?"}]},{"slug":"home-insurance","title":"Home Insurance","category":"Personal Insurance","tagline":"Home insurance cover is arranged to cater for almost everything you have worked hard for in your household.","summary":"Home insurance cover is arranged to cater for almost everything you have worked hard for in your household including the buildings, contents, electronics, domestic servants, sports equipment, and pets.","turnaround":"Same-Day Domestic Package Quote","url":"https:\/\/raainsuranceagency.co.ke\/products\/home-insurance","hero_image":"https:\/\/raainsuranceagency.co.ke\/images\/editorial\/wealth-home-protection.png","key_benefits":["The buildings","The contents : Furniture, Clothing, Kitchen equipment cutlery etc.","The electronics : TVs, Videos, Cameras, Watches, Music systems etc.","Domestic servants : Indoor and Outdoor","Sports equipment : Golf, Squash, Riding etc.","Pets","Personal liability either as an owner or an occupier of the premises to third parties, for damage to third party property or death\/injury to third parties arising out of your use of the premises."],"coverage_tiers":[{"desc":"Protects your residential house, perimeter walls, gates, borehole pumps, and solar installations against fire, lightning, floods, storms, and malicious damage.","name":"Residential Buildings & Perimeter Structures","badge":"Homeowners"},{"desc":"Covers furniture, kitchen equipment, TVs, and sound systems inside the home, plus Worldwide All Risks protection for laptops, smartphones, cameras, watches, and jewelry.","name":"Household Contents, Electronics & Worldwide All Risks","badge":"Homeowners & Tenants"},{"desc":"Includes statutory WIBA protection for indoor and outdoor domestic staff (househelps, guards, gardeners), owner\/tenant third-party liability, Golfers equipment, and dog\/pet insurance.","name":"Domestic Servants (WIBA), Golfers Cover, Pets & Occupier\u2019s Liability","badge":"Lifestyle & Staff"}],"recommended_underwriters":["heritage-insurance","old-mutual","britam","apa-insurance","jubilee-insurance","icea-lion","cic-group","fidelity-insurance"],"faqs":[{"a":"Yes. Tenants can take a Domestic Package covering their household contents, portable electronics (All Risks), domestic servants, and occupier\u2019s liability without paying for the building section.","q":"Can a tenant take Home Insurance in Kenya?"}]},{"slug":"life-insurance","title":"Life Insurance","category":"Life & Education","tagline":"Life\u2019s happenings are dynamic. You cannot predict the future, but you can make sure your family is taken care of\u2026 whatever happens.","summary":"Talk to us and we shall walk you through the products designed for your needs. Group Life insurance, Personal accident, Child Education planning, and policies in line with most unwanted situations.","turnaround":"Tailored Life & Retirement Illustration","url":"https:\/\/raainsuranceagency.co.ke\/products\/life-insurance","hero_image":"https:\/\/raainsuranceagency.co.ke\/images\/editorial\/family-life.jpg","key_benefits":["Family Life Protection","Secure Your Child\u2019s Future (Education Savings Plan)","Group Life Insurance","Personal Accident Policies"],"coverage_tiers":[{"desc":"Structured monthly or annual education policies that guarantee high school and university tuition payouts with built-in waiver of premium if the parent passes away or is disabled.","name":"Child Education Savings Plans (UsomiBora \/ Academia \/ Elimu)","badge":"Child Education"},{"desc":"Lump-sum family protection and savings-cum-protection plans (ICEA LION Summit \/ Thabiti, Sanlam, Britam, Old Mutual, CIC Smart Saver) eligible for 15% KRA Insurance Tax Relief.","name":"Whole of Life, Term Assurance & Endowment Savings Plans","badge":"Family Protection"},{"desc":"Employee Group Life Assurance for corporate staff, plus Group Credit Life and Loan Guard covers for Saccos, Chamas, and financial institutions.","name":"Group Life, Group Credit Life & Sacco Loan Guard","badge":"Corporate & Saccos"},{"desc":"Tax-efficient Individual Retirement Schemes, Corporate Umbrella Retirement Schemes, and post-retirement Income Drawdown \/ Annuity solutions.","name":"Pensions, Personal Retirement Schemes (PRS) & Annuities","badge":"Retirement & Pension"}],"recommended_underwriters":["sanlam","britam","icea-lion","old-mutual","jubilee-insurance","cic-group"],"faqs":[{"a":"Yes. Life, Education (with at least a 10-year term), and Health insurance policies in Kenya qualify for 15% Insurance Tax Relief up to KES 60,000 per year under the Income Tax Act.","q":"Do Life and Education insurance policies qualify for KRA tax relief in Kenya?"}]},{"slug":"travel-insurance","title":"Travel Insurance","category":"Personal & Corporate","tagline":"Ensure you get a travel cover with our help before travelling out of the country.","summary":"Our partners and Insurance companies are tirelessly designing products inline with the risk you will be exposed to while out of the country. Ensure you get a travel cover with our help.","turnaround":"Instant Embassy-Compliant Certificate","url":"https:\/\/raainsuranceagency.co.ke\/products\/travel-insurance","hero_image":"https:\/\/raainsuranceagency.co.ke\/images\/editorial\/global-travel-aviation.png","key_benefits":["Products designed in line with the risks you may be exposed to while out of the country","Individual, Family, Student & Business Travel Cover options","Supported by our local and international underwriting partners"],"coverage_tiers":[{"desc":"Embassy-approved travel certificates meeting mandatory EUR 30,000 \/ USD 50,000+ emergency medical, hospitalization, and repatriation requirements.","name":"Schengen Visa, UK, USA & Worldwide Holiday Travel Cover","badge":"Visa Compliant"},{"desc":"Single-trip or annual multi-trip policies for executives and teams covering flight delays, missed connections, lost baggage, and passport loss.","name":"Frequent Flyer & Annual Multi-Trip Business Travel","badge":"Corporate & Executive"},{"desc":"Long-stay travel protection designed for Kenyan students studying at overseas universities as well as group and pilgrimage travel.","name":"International Student, Study Abroad & Pilgrimage Cover","badge":"Students & Groups"}],"recommended_underwriters":["aetna","bupa","cigna","aig","aar-insurance","heritage-insurance","apa-insurance","old-mutual","jubilee-insurance"],"faqs":[{"a":"Yes. All travel policies arranged through our partners (AAR, APA, Jubilee, Heritage, AIG, Old Mutual, Bupa, and Cigna) are 100% recognized by embassies and visa processing centers in Nairobi.","q":"Is the travel insurance certificate accepted for Schengen and UK visa applications?"}]},{"slug":"general-insurance","title":"General Insurance","category":"Business & Commercial","tagline":"We offer a wide variety of business insurance plans for your commercial, auto, work, company, business owners packages, and general liability needs.","summary":"We offer all types of personal and business insurance plans for your commercial, auto, work, company, business owners packages, and general liability needs.","turnaround":"Same-Day Commercial Underwriting","url":"https:\/\/raainsuranceagency.co.ke\/products\/general-insurance","hero_image":"https:\/\/raainsuranceagency.co.ke\/images\/editorial\/consultation.jpg","key_benefits":["Commercial & Business Owners Packages","Work & Company Insurance Plans","General Liability Needs","Commercial Auto & Fleet Coverages"],"coverage_tiers":[{"desc":"All-in-one protection for shops, offices, restaurants, and SMEs covering Fire & Perils, Burglary, Stock, Office Computers, Money in Transit, and Loss of Profits.","name":"SME & Business Combined Packages (Biashara Salama \/ BizBora)","badge":"SME & Retail"},{"desc":"Mandatory WIBA and Employers\u2019 Liability compliance alongside 24-hour Group Personal Accident (GPA) for corporate, industrial, and NGO teams.","name":"WIBA (Work Injury Benefits Act), Employers\u2019 Liability & Group PA","badge":"Statutory Staff Cover"},{"desc":"Instant IRA-compliant Marine Cargo certificates for clearing imports at Mombasa Port, Nairobi ICD, and JKIA, plus inland Goods in Transit cover.","name":"Marine Cargo (Import\/Export) & Goods in Transit (GIT)","badge":"Import & Logistics"},{"desc":"Contractors All Risks, Plant & Machinery, Erection All Risks, Machinery Breakdown, and Bid \/ Performance \/ Customs Bonds.","name":"Contractors All Risks (CAR \/ Mjengo Plus), Engineering & Bonds","badge":"Construction & Tenders"},{"desc":"Professional Indemnity for doctors, medical clinics, lawyers, engineers, architects, and accountants, plus Public\/Product Liability and Directors & Officers (D&O) cover.","name":"Professional Indemnity, Public Liability & Fidelity Guarantee","badge":"Professional & Liability"},{"desc":"School Guard packages (buildings, students PA, buses), M-Pesa Agents cover, and Crop, Greenhouse, and Livestock insurance.","name":"Schools, Saccos, Chamas & Agriculture \/ Livestock Insurance","badge":"Institutions & Agribusiness"}],"recommended_underwriters":["aig","apa-insurance","jubilee-insurance","britam","old-mutual","icea-lion","cic-group","fidelity-insurance","occidental-insurance","takaful-insurance"],"faqs":[{"a":"Yes. We issue official, IRA-compliant Marine Cargo certificates across our local underwriting panel so your clearing agent can process customs entries without delay.","q":"Can RAA issue urgent Marine Cargo Insurance certificates for KRA \/ KenTrade customs clearance?"},{"a":"Yes. We structure compliant WIBA, Employers\u2019 Liability, Professional Indemnity, and Contractors All Risks (CAR) policies with fast policy documentation for corporate and government tenders.","q":"Do you arrange WIBA, Professional Indemnity, and Contractors All Risks for tenders?"}]}],"underwriters":[{"name":"Bupa","slug":"bupa","tier":"international","region_badge":"International Partner","logo_url":"https:\/\/raainsuranceagency.co.ke\/images\/partners\/bupa.png"},{"name":"Cigna","slug":"cigna","tier":"international","region_badge":"International Partner","logo_url":"https:\/\/raainsuranceagency.co.ke\/images\/partners\/cigna.png"},{"name":"Aetna","slug":"aetna","tier":"international","region_badge":"International Partner","logo_url":"https:\/\/raainsuranceagency.co.ke\/images\/partners\/aetna.png"},{"name":"AIG","slug":"aig","tier":"international","region_badge":"International Partner","logo_url":"https:\/\/raainsuranceagency.co.ke\/images\/partners\/aig.png"},{"name":"Jubilee Insurance","slug":"jubilee-insurance","tier":"local","region_badge":"Underwriting Partner","logo_url":"https:\/\/raainsuranceagency.co.ke\/images\/partners\/jubilee.png"},{"name":"Old Mutual","slug":"old-mutual","tier":"local","region_badge":"Underwriting Partner","logo_url":"https:\/\/raainsuranceagency.co.ke\/images\/partners\/old-mutual.png"},{"name":"Britam","slug":"britam","tier":"local","region_badge":"Underwriting Partner","logo_url":"https:\/\/raainsuranceagency.co.ke\/images\/partners\/britam.png"},{"name":"ICEA LION Group","slug":"icea-lion","tier":"local","region_badge":"Underwriting Partner","logo_url":"https:\/\/raainsuranceagency.co.ke\/images\/partners\/icea-lion.png"},{"name":"APA Insurance","slug":"apa-insurance","tier":"local","region_badge":"Underwriting Partner","logo_url":"https:\/\/raainsuranceagency.co.ke\/images\/partners\/apa.png"},{"name":"CIC Insurance Group","slug":"cic-group","tier":"local","region_badge":"Underwriting Partner","logo_url":"https:\/\/raainsuranceagency.co.ke\/images\/partners\/cic.png"},{"name":"AAR Insurance","slug":"aar-insurance","tier":"local","region_badge":"Underwriting Partner","logo_url":"https:\/\/raainsuranceagency.co.ke\/images\/partners\/aar.png"},{"name":"Sanlam","slug":"sanlam","tier":"local","region_badge":"Underwriting Partner","logo_url":"https:\/\/raainsuranceagency.co.ke\/images\/partners\/sanlam.png"},{"name":"Heritage Insurance","slug":"heritage-insurance","tier":"local","region_badge":"Underwriting Partner","logo_url":"https:\/\/raainsuranceagency.co.ke\/images\/partners\/heritage.png"},{"name":"Fidelity Insurance","slug":"fidelity-insurance","tier":"local","region_badge":"Underwriting Partner","logo_url":"https:\/\/raainsuranceagency.co.ke\/images\/partners\/fidelity.png"},{"name":"Occidental Insurance","slug":"occidental-insurance","tier":"local","region_badge":"Underwriting Partner","logo_url":"https:\/\/raainsuranceagency.co.ke\/images\/partners\/occidental.png"},{"name":"Takaful Insurance of Africa","slug":"takaful-insurance","tier":"local","region_badge":"Underwriting Partner","logo_url":"https:\/\/raainsuranceagency.co.ke\/images\/partners\/takaful.png"}],"insights":[{"title":"Choosing the Right In-Patient & Out-Patient Health Cover for Your Family in Kenya","slug":"choosing-right-inpatient-outpatient-health-cover-kenya","category":"Health Insurance","excerpt":"You may not need it now, but in an instant, having the right health insurance can save both your general and financial health. Learn how to balance In-Patient, Out-Patient, Dental, Optical, and Maternity benefits.","url":"https:\/\/raainsuranceagency.co.ke\/blog\/choosing-right-inpatient-outpatient-health-cover-kenya","published_at":"2026-10-22T20:47:49+00:00"},{"title":"Private Cars, Commercial Fleets & Motorcycles: A Practical Guide to Motor Insurance in Kenya","slug":"private-cars-commercial-fleets-motor-insurance-guide-kenya","category":"Motor Insurance","excerpt":"From private saloons, station wagons, and 4x4s to commercial pick-ups, trucks, school buses, and specialized agricultural or construction vehicles\u2014here is how to match your vehicle class to the right policy.","url":"https:\/\/raainsuranceagency.co.ke\/blog\/private-cars-commercial-fleets-motor-insurance-guide-kenya","published_at":"2026-10-18T20:47:49+00:00"},{"title":"Protecting Your Household & Your Child\u2019s Future: Home and Life Insurance Explained","slug":"protecting-household-and-child-future-home-life-insurance","category":"Home & Life Insurance","excerpt":"We help protect what you value the most\u2014from your home buildings, furniture, electronics, and domestic staff to long-term Life and Child Education savings plans.","url":"https:\/\/raainsuranceagency.co.ke\/blog\/protecting-household-and-child-future-home-life-insurance","published_at":"2026-10-13T20:47:49+00:00"},{"title":"International Travel Cover & Business Continuity: Staying Protected Locally and Abroad","slug":"international-travel-cover-and-business-continuity-kenya","category":"Travel & General","excerpt":"Planning an international trip or scaling an enterprise in Kenya? Discover how Travel Insurance and tailored Commercial General Insurance packages guarantee continuity.","url":"https:\/\/raainsuranceagency.co.ke\/blog\/international-travel-cover-and-business-continuity-kenya","published_at":"2026-10-06T20:47:49+00:00"},{"title":"Senior Citizens Medical Cover in Kenya (Ages 60\u201385): Comparing AAR, CIC & Jubilee Options","slug":"senior-citizens-medical-insurance-cover-kenya-ages-60-to-85","category":"Health Insurance","excerpt":"Looking for dependable health insurance for parents or seniors aged 60 to 85 in Kenya? Compare Senior CAARE, Seniors Mediplan, and chronic condition medical benefits across leading underwriters.","url":"https:\/\/raainsuranceagency.co.ke\/blog\/senior-citizens-medical-insurance-cover-kenya-ages-60-to-85","published_at":"2026-10-23T20:47:49+00:00"},{"title":"WIBA, Marine Cargo, Contractors All Risks & SME Biashara Insurance in Kenya Explained","slug":"wiba-marine-cargo-contractors-all-risks-sme-business-insurance-kenya","category":"General Insurance","excerpt":"A complete checklist of statutory and commercial insurance covers for Kenyan SMEs, importers, contractors, schools, and professionals\u2014from WIBA and Marine Cargo to Professional Indemnity.","url":"https:\/\/raainsuranceagency.co.ke\/blog\/wiba-marine-cargo-contractors-all-risks-sme-business-insurance-kenya","published_at":"2026-10-21T20:47:49+00:00"}]}