Comprehensive Health, Home, and Accident insurance designed for modern families. Expert advice, Quick claims.
You are the foundation of your family. We are the reinforcement. You have worked hard to build your lifestyle; we work harder to protect it. We curate bespoke insurance portfolios combining Health, Home, and Accident cover to ensure your assets and standard of living remain immune to life’s uncertainties.
From the roof over your head to your physical well-being.
Whether you own your home or rent an apartment, this policy protects your building and personal assets (electronics, furniture, jewelry) against fire, theft, and natural disasters. It also includes liability cover for your domestic workers (WIBA).
Access top-tier healthcare without the financial stress. We structure comprehensive Inpatient and Outpatient plans that cover hospitalization, chronic conditions, maternity care, and specialist fees for you and your family.
Grieve with dignity, not debt. This benefit releases immediate cash (usually within 48 hours) to cover burial and funeral arrangements, relieving your loved ones of the immediate financial burden during a difficult time.
Safeguard your future income. If an accident leaves you permanently unable to work, this benefit provides a significant financial cushion to help you manage your living expenses and adjust to a new lifestyle.
A guaranteed lump-sum payout to your appointed beneficiaries in the unfortunate event of a fatal accident. This ensures your family’s financial continuity and protects their standard of living even in your absence.
Recovery often requires support. We cover the cost of essential external medical aids such as crutches, wheelchairs, prosthetics, or hearing aids necessitated by an accidental injury.
Claims Advocacy: We handle all hospital pre-authorizations and reimbursement paperwork so you can focus on recovery.
Holistic Review: We identify gaps (e.g., “Is your laptop covered outside the house?”) that standard agents miss.
Flexible Payments: We facilitate IPFs (Insurance Premium Financing) so you can pay your annual premiums in monthly installments.
Confidentiality: Your personal data and health history are treated with the highest level of discretion.
Answers to the most pressing questions about compliance and coverage.
This is a bundled policy designed for homeowners and renters. It combines three key covers into one: Section A covers the Building (if you own it), Section B covers the Contents (furniture, electronics), and Section C provides WIBA (Work Injury Benefits) for your domestic workers. It is the most comprehensive way to secure your home.
No, insuring the structure (walls, roof) is the Landlord’s responsibility. As a tenant, you should only insure your Contents (electronics, furniture, clothes). If a fire occurs, the landlord’s insurance rebuilds the house, but your policy replaces your belongings.
Not automatically. Standard “Contents” cover applies only inside the home. To protect portable items like phones, laptops, and jewelry worldwide, you must list them under the “All Risks” section of the policy. This ensures they are covered against theft or accidental damage anywhere you go.
Yes. The Domestic Package includes a WIBA (Work Injury Benefits Act) section. This protects you from liability if your domestic staff (maid, gardener, watchman) gets injured or falls ill while working for you. It covers their medical bills and disability compensation as required by Kenyan law.
Generally, yes. For high-value single items (like a MacBook, a diamond ring, or an expensive camera), it is best to provide a receipt or a valuation report. This avoids disputes about the item’s value at the time of a claim.
While medical insurance pays the hospital, Personal Accident pays you. If you suffer an accidental injury that leads to temporary or permanent disability (or death), this policy provides a direct cash payout. This money can be used to cover living expenses, school fees, or rehabilitation costs while you are unable to work.
Many people discover gaps in their cover only when it is too late. We conduct a full audit of your current risks to ensure your health, assets, and income are truly secure.
