Kenya Insurance Calculator 2025
Calculate premiums for Motor, Health, Life & Home Insurance - Hesabu bei ya bima yako
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Motor/Vehicle Insurance Calculator
Top Motor Insurance Companies in Kenya
Jubilee Insurance
17% market share - Best overall
CIC Insurance
7.1% market share - Great for commercial
Directline Assurance
95% of PSV operators choose them
Important Notes
? All premiums are estimates based on 2025 market rates. Actual premiums vary by company, age, health status, and specific coverage details.
?? Compare quotes: Always get quotes from at least 3 companies before buying. Use platforms like Pesabazaar.com or Amssurity.co.ke
?? Verify companies: Only buy from IRA-licensed insurers. Check www.ira.go.ke for the official list.
?? Tax benefits: Life insurance premiums qualify for 15% tax relief up to KSh 60,000 annually.
Kenya Insurance Companies Comparison 2025 - Premiums, Coverage & Ratings
Comparing major insurance providers in Kenya across motor, health, and life insurance products. Rates and coverage vary significantly - choosing the right insurer can save you thousands annually.
| Insurance Company | Motor (Comp) - 2M Car | Health (Family of 4) | Life (1M Cover) | Claims Settlement Time | Customer Service Rating | Strengths |
|---|---|---|---|---|---|---|
| Jubilee Insurance | KES 80,000/year | KES 120,000/year | KES 18,000/year | 5-10 days | ???? (4.2/5) | Fast claims, wide hospital network, good customer service |
| Britam Insurance | KES 75,000/year | KES 115,000/year | KES 17,500/year | 7-14 days | ???? (4.0/5) | Competitive premiums, good health coverage, online services |
| CIC Insurance | KES 78,000/year | KES 110,000/year | KES 16,000/year | 7-10 days | ???? (4.1/5) | Lowest health premiums, many branches, flexible payment |
| APA Insurance | KES 82,000/year | KES 125,000/year | KES 19,000/year | 10-15 days | ???? (3.9/5) | Strong motor division, good garages network, reliable |
| Madison Insurance | KES 72,000/year | KES 108,000/year | KES 17,000/year | 7-12 days | ???? (4.0/5) | Most competitive rates, good for young drivers, digital-first |
| UAP Insurance | KES 85,000/year | KES 130,000/year | KES 20,000/year | 14-21 days | ??? (3.7/5) | Premium service, comprehensive coverage, slower claims |
| Old Mutual | KES 79,000/year | KES 118,000/year | KES 18,500/year | 10-14 days | ???? (3.8/5) | Strong life insurance, good investment products |
| Sanlam Kenya | KES 76,000/year | KES 112,000/year | KES 16,500/year | 7-10 days | ???? (4.0/5) | Affordable, good life policies, transparent terms |
?? Money-Saving Tip: Premium differences of up to KES 15,000/year exist between insurers for the same coverage. Always compare at least 3 quotes before buying. Madison and Sanlam typically offer the most competitive rates for similar coverage levels in 2025.
?? Best Overall Value
Winner: Madison & CIC Insurance
Lowest premiums across motor and health insurance, fast claims settlement (7-12 days), and competitive life insurance rates.
? Fastest Claims Processing
Winner: Jubilee & CIC Insurance
Motor claims settled in 5-10 days. Health claims approved within 48 hours at network hospitals.
?? Best Hospital Network
Winner: Jubilee & Britam
Access to 150+ hospitals nationwide including Aga Khan, Nairobi Hospital, and all major county facilities.
Complete Guide: Motor Insurance in Kenya 2025 - Comprehensive vs Third Party
Understanding the difference between comprehensive and third-party motor insurance can save you money while ensuring you're adequately covered. Here's everything you need to know.
| Coverage Aspect | Comprehensive Insurance | Third Party Only | Who Should Choose |
|---|---|---|---|
| Your Own Car Damage | ? Covered (up to car value) | ? NOT Covered | Comprehensive if car value >KES 800K |
| Theft or Fire | ? Covered | ? NOT Covered | Comprehensive for high-risk areas (Nairobi CBD, Eastlands) |
| Other People's Property | ? Covered (up to KES 3M) | ? Covered (up to KES 3M) | Both cover this (legal requirement) |
| Injury to Others | ? Covered (unlimited medical) | ? Covered (unlimited medical) | Both cover this (legal requirement) |
| Your Medical Bills | ? KES 100K - 500K limit | ? NOT Covered | Comprehensive unless you have separate health insurance |
| Natural Disasters (Floods, Hail) | ? Covered | ? NOT Covered | Comprehensive during rainy seasons |
| Windscreen/Window Damage | ? Covered (separate limit) | ? NOT Covered | Comprehensive (windscreen KES 30K-80K to replace) |
| Annual Premium (KES 2M car) | KES 75,000 - 85,000 | KES 7,574 (fixed) | Comprehensive = 10x more expensive |
? Choose Comprehensive If:
- � Your car is worth more than KES 800,000
- � You have a car loan (lender will require it)
- � You can't afford to replace the car if stolen or written off
- � You park in high-risk areas (Nairobi CBD, Eastlands, town centers)
- � Your car is less than 8 years old
- � You don't have separate health insurance
- � You drive frequently (daily commute, business use)
?? Consider Third Party If:
- � Your car is worth less than KES 500,000
- � Your car is over 10 years old
- � You have savings to replace the car if needed
- � You park in secure locations (home compound, secure parking)
- � You drive rarely (weekends only, backup car)
- � You have comprehensive health insurance separately
- � Annual premium would be >15% of car's current value
?? Financial Decision Guide
The 10% Rule: If your comprehensive premium exceeds 10% of your car's current value, consider switching to third party + savings account for car replacement.
Example Calculation:
- Car current value: KES 800,000
- Comprehensive premium: KES 80,000/year (10% of value)
- Third party premium: KES 7,574/year
- Savings if you switch: KES 72,426/year
Smart Strategy: Buy third party (KES 7,574) + save KES 72,426 in emergency fund. After 11 years of no claims, you've saved enough to buy a replacement car!
Motor Insurance Premiums by Car Value (2025 Rates)
| Car Value | Comprehensive Premium | Third Party Premium | Annual Savings (Third Party) | Recommendation |
|---|---|---|---|---|
| KES 500,000 | KES 32,500 (6.5%) | KES 7,574 | KES 24,926/year | Third Party Better |
| KES 1,000,000 | KES 50,000 (5%) | KES 7,574 | KES 42,426/year | Consider Third Party if old car |
| KES 1,500,000 | KES 60,000 (4%) | KES 7,574 | KES 52,426/year | Comprehensive if car loan |
| KES 2,000,000 | KES 80,000 (4%) | KES 7,574 | KES 72,426/year | Comprehensive Recommended |
| KES 3,000,000 | KES 105,000 (3.5%) | KES 15,108 | KES 89,892/year | Comprehensive Recommended |
| KES 5,000,000 | KES 175,000 (3.5%) | KES 15,108 | KES 159,892/year | Comprehensive Essential |
| KES 8,000,000+ | KES 240,000 (3%) | KES 15,108 | KES 224,892/year | Comprehensive Essential |
?? Common Motor Insurance Mistakes Kenyans Make
- 1. Not Updating Car Value: Your car depreciates 15-20% annually. Insuring at purchase price means you're overpaying. Update the insured value yearly to reduce premiums.
- 2. Ignoring No-Claims Discount: If you don't claim for 1 year, you qualify for 10-25% discount. Many Kenyans don't ask for this - you can save KES 8,000-20,000/year!
- 3. Not Reading Exclusions: Most comprehensive policies don't cover: driving without license, DUI, racing, carrying explosives, off-road damage, wear & tear.
- 4. Buying Comprehensive for Old Cars: If your 2010 car (worth KES 400K) has KES 45K annual premium, you're wasting money. Switch to third party.
- 5. Not Comparing Quotes: Premium differences of KES 15,000-25,000 exist for identical coverage. Always get 3+ quotes before renewing.
- 6. Auto-Renewing Without Negotiating: Insurers increase premiums by 5-10% yearly. Call and negotiate - they'd rather keep you at lower rate than lose you!
- 7. Inadequate Third-Party Limit: Standard limit is KES 3M. If you cause accident involving expensive car, you're personally liable for excess. Consider KES 10M limit (adds ~KES 2K/year).
Health Insurance Kenya 2025: Inpatient, Outpatient & Family Cover Comparison
Private health insurance is essential in Kenya due to long waits in public hospitals. Here's what different coverage levels cost and what they include.
| Coverage Plan | What's Covered | Annual Premium (Family of 4) | Inpatient Limit | Outpatient Limit | Best For |
|---|---|---|---|---|---|
| Basic Inpatient Only | Hospitalization, surgery, emergency only | KES 80,000 | KES 500,000 | Not covered | Tight budget, young healthy families |
| Inpatient + Limited Outpatient | Above + doctor visits, basic tests | KES 120,000 | KES 1,000,000 | KES 50,000 | Most popular, balanced coverage |
| Comprehensive Outpatient | Above + dental, optical, maternity | KES 180,000 | KES 2,000,000 | KES 120,000 | Families with young kids, frequent medical needs |
| Premium/Executive | Unlimited specialist visits, overseas treatment | KES 300,000+ | KES 5,000,000 | KES 250,000 | High earners, expats, chronic conditions |
What Inpatient Cover Includes:
- ? Hospitalization (ward or private room)
- ? Surgery and operations
- ? ICU/HDU care
- ? Emergency ambulance services
- ? Specialist consultations in hospital
- ? Lab tests and scans while admitted
- ? Medications during admission
- ? Outpatient doctor visits
- ? Dental or optical
- ? Chronic disease management (unless admitted)
What Outpatient Cover Adds:
- ? Doctor/clinic visits without admission
- ? Prescription medications from pharmacy
- ? X-rays, ultrasounds, CT scans (outpatient)
- ? Blood tests and lab work
- ? Specialist consultations
- ? Physiotherapy sessions
- ? Minor procedures (stitches, dressing)
- ? Dental (higher plans only)
- ? Optical/glasses (higher plans only)
- ? Maternity care (higher plans only)
?? Is Outpatient Cover Worth the Extra Cost?
Cost Analysis: Adding outpatient to inpatient cover costs ~KES 40,000/year extra for a family of 4.
Break-Even Calculation:
- Doctor visit: KES 2,000 - 5,000
- Prescription: KES 1,000 - 3,000
- Lab tests: KES 3,000 - 8,000
- Specialist: KES 5,000 - 12,000
Worth it if: Your family visits doctor 8+ times yearly, has kids under 5 (frequent illnesses), manages chronic conditions (diabetes, hypertension), or needs regular prescriptions.
Skip it if: You're generally healthy, rarely see doctors, can afford KES 3,000-5,000 for occasional visits, and don't have chronic conditions.
Health Insurance by Age & Family Size (2025 Premiums)
| Family Composition | Inpatient Only (KES 500K) | Inpatient + Outpatient (KES 1M) | Comprehensive (KES 2M) | Monthly Cost (Comprehensive) |
|---|---|---|---|---|
| Single (25-35 years) | KES 25,000/year | KES 40,000/year | KES 65,000/year | KES 5,417/month |
| Couple (25-35 years) | KES 45,000/year | KES 75,000/year | KES 120,000/year | KES 10,000/month |
| Family (2 adults + 1 kid) | KES 60,000/year | KES 95,000/year | KES 150,000/year | KES 12,500/month |
| Family (2 adults + 2 kids) | KES 80,000/year | KES 120,000/year | KES 180,000/year | KES 15,000/month |
| Family (2 adults + 3+ kids) | KES 100,000/year | KES 145,000/year | KES 220,000/year | KES 18,333/month |
| Senior (55+ years) Individual | KES 50,000/year | KES 85,000/year | KES 140,000/year | KES 11,667/month |
?? Health Insurance Traps to Avoid
- 1. Waiting Periods: Most policies have 30-90 day waiting period. Pre-existing conditions have 6-12 month wait. Plan ahead - don't buy when already sick!
- 2. Hospital Network Limits: Cheapest policies only cover Level 4-5 county hospitals. Check if your preferred hospital (Aga Khan, Nairobi Hospital) is covered.
- 3. Co-Payment Clauses: Some policies make you pay 10-20% of bill. KES 200K surgery = you pay KES 40K out of pocket. Read the fine print!
- 4. Annual Limits Too Low: Cancer treatment costs KES 1-3M. A KES 500K limit isn't enough for serious illness. Aim for at least KES 1-2M.
- 5. Maternity Excluded or Extra Cost: Basic plans don't cover pregnancy/delivery (costs KES 80K-300K). Add maternity rider if planning kids.
- 6. Premium Increases with Age: Your KES 120K policy today becomes KES 180K at age 50. Budget for 5-7% annual increases.
Important Disclaimer
General Information Only: This calculator provides estimates based on publicly available information and standard rates. Results are for informational and educational purposes only and should not be considered as professional financial, legal, or tax advice.
Accuracy and Updates: While we strive to maintain accurate and up-to-date information using official sources including Kenya Revenue Authority (KRA), National Social Security Fund (NSSF), Social Health Insurance Fund (SHIF), and other relevant government agencies, rates and regulations may change. Always verify current rates with official sources.
Seek Professional Advice: For specific tax planning, salary negotiations, financial decisions, or legal matters, please consult with qualified professionals such as certified accountants, tax advisors, financial planners, or legal practitioners who can consider your individual circumstances.
No Liability: Top Calculator and its operators accept no liability for any loss, damage, or inconvenience arising from the use of this calculator or reliance on its results. Users are responsible for verifying all calculations and information with official sources before making financial decisions.
Official Sources: For authoritative information, please refer to:
- Kenya Revenue Authority (KRA) - www.kra.go.ke
- National Social Security Fund - www.nssfkenya.co.ke
- Social Health Insurance Fund - www.sha.go.ke
Last updated: January 2025. This disclaimer applies to all calculators on Top Calculator.
Rates updated for 2025 | For official information, visit www.ira.go.ke