Insurance FAQs & Buyer Guide for Kenya

Yes. While the Social Health Authority (SHA) and Social Health Insurance Fund (SHIF) provide mandatory baseline coverage across Kenya, private medical insurance acts as a critical top-up that gives your family or employees direct credit access to leading private hospitals (such as The Nairobi Hospital, Aga Khan University Hospital, MP Shah, Mater, Karen Hospital, and Avenue Healthcare), private rooms, specialist consultations, overseas evacuation, and higher surgical or oncology limits without out-of-pocket shortfalls.

RAA Insurance Agency compares and arranges dedicated Senior Citizens Medical Covers for ages 60 to 85 across Kenya’s top medical underwriters—including AAR Senior CAARE, CIC Seniors Mediplan, Jubilee Senior Plan, Britam, Old Mutual, and APA Insurance—with structured inpatient, outpatient, chronic condition management, optical, dental, and last expense benefits.

Yes. Modern Kenyan individual, family, senior, and SME medical plans cover pre-existing, chronic, congenital, and HIV/AIDS-related conditions up to specified sub-limits or full inpatient limits. Depending on the underwriter and whether you are transferring from an existing scheme with no break in cover, waiting periods can be waived or range from 0 to 12 months.

For individual and family retail health policies in Kenya, Maternity cover typically carries a 9 to 12 month waiting period, while Optical and Dental benefits under outpatient cover usually have a 0 to 30 day waiting period. For corporate and SME group medical schemes (3 to 10+ employees), underwriters frequently waive waiting periods from Day 1.

Third Party Only (TPO) is the minimum legal motor cover in Kenya under Cap 405; it only pays for bodily injury or property damage your vehicle causes to third parties. Comprehensive Motor Insurance covers Third Party liability plus accidental damage to your own vehicle, malicious damage, fire, theft, hijacking, free windscreen and audio limits, towing/recovery, and optional riders.

Yes. Through Insurance Premium Financing (IPF) arranged by RAA Insurance Agency with partner banks and underwriters, private car owners and commercial fleet operators can spread annual motor or commercial insurance premiums over 3 to 10 affordable monthly installments via M-Pesa or standing order while enjoying full Comprehensive cover from Day 1.

Excess Protector waives the compulsory deductible (typically 2.5% to 5% of vehicle value) that you would otherwise pay out of pocket after an accidental damage claim. Political Violence, Terrorism & Sabotage (PVT) covers riot, strike, civil commotion, and terrorism damage. A Courtesy Car rider provides a replacement vehicle (usually for 10 to 30 days) while your car is being repaired at an approved garage.

Every motor insurance policy issued through RAA Insurance Agency comes with an official Association of Kenya Insurers (AKI) virtual digital certificate delivered via email/WhatsApp. You or traffic police can verify its authenticity instantly by scanning the QR code on the certificate, dialing the official AKI USSD code *352#, or checking the Verifyavic portal.

Under the Kenya Income Tax Act, residents who pay premiums for Life Insurance, Child Education policies (with a maturity term of at least 10 years), or Health Insurance for themselves, their spouse, or their children qualify for a 15% tax relief on premiums paid, up to a maximum tax saving of KES 5,000 per month (KES 60,000 per year). RAA provides official annual tax relief certificates for your PAYE or iTax return.

A Child Education policy combines disciplined medium-to-long-term school fees savings (for High School and University) with built-in Life & Permanent Disability protection. If the parent or guardian passes away or becomes permanently disabled during the policy term, the insurer waives all future premiums and still pays out the guaranteed school fees benefits on schedule.

Last Expense (Funeral) covers arranged by RAA Insurance Agency are designed for rapid dignity support—paying out a lump sum (ranging from KES 50,000 to KES 1,000,000) within 24 to 48 hours of submitting the burial permit or death notification, without waiting for long probate processes.

Yes. Under Kenya’s Work Injury Benefits Act (WIBA, 2007), every employer is legally required to insure all employees (full-time, contract, casual, and domestic staff) against work-related accidental bodily injury, disability, death, and occupational disease. RAA structures combined WIBA Plus, Employers’ Liability, and 24-hour Group Personal Accident (GPA) covers at competitive rates.

Under Section 20 of the Insurance Act of Kenya, all commercial imports into Kenya must be insured with an IRA-licensed local underwriter. Simply send your Proforma Invoice or Commercial Invoice, Packing List, and KRA PIN to RAA Insurance Agency—our commercial desk issues digital KRA Customs / Kentrade-linked Marine Cargo certificates (Sea, Air, and Inland Transit) within hours.

Contractors All Risks (CAR / Mjengo Plus) protects building and civil engineering projects against contract works damage, construction plant & machinery loss, and third-party site liability—required for NCA compliance and tender awards. Professional Indemnity protects doctors, hospitals, lawyers, engineers, architects, accountants, and ICT firms against legal claims for professional negligence or errors.

Yes. We issue instant, embassy-recognized Travel Insurance certificates for Schengen Europe (exceeding the mandatory €30,000 emergency medical & repatriation requirement), UK, USA, Canada, Dubai, China, India, and worldwide student or business trips, covering emergency medical bills, flight delays, lost luggage, and visa refusal scenarios.

No—you pay the exact same official underwriter premium (or less, thanks to our negotiated agency volume discounts). Our brokerage remuneration is paid by the insurance company, meaning you get independent side-by-side comparisons across 16+ insurers and dedicated claims advocacy at 0% extra cost to you.

No. RAA Insurance Agency (https://raainsuranceagency.co.ke) is a 100% Kenyan independent insurance agency headquartered at 330 Diani Road, off Oledume Road in Nairobi, Kenya. We serve clients across Kenya and East Africa and represent 16+ local and international underwriters (including AAR, CIC, ICEA LION, Jubilee, Britam, Old Mutual, APA, Sanlam, Heritage, Fidelity, Occidental, Takaful, Bupa, Cigna, Aetna, and AIG). We are completely independent of the Royal Automobile Association (RAA) of South Australia.