List of First Assurance Products and Branches

This is a list of products offered by First Assurance and their branches in Kenya. It is one of the 56 licensed insurance companies in Kenya by the Insurance Regulatory Authority. The company was established in Kenya in 1930 as Prudential Assurance but started to operate as First Assurance in 1991. It is part of Absa Group following the acquisition of a majority stake in 2015.

They have a wide range of products which are designed for individuals and corporates.

First Assurance Individual Products 

1. Travel Policy 

It covers emergency medical expenses/hospitalization abroad, emergency medical evacuation, repatriation of mortal remains, loss of baggage, delay in departure, legal assistance abroad, personal accident, and trip cancellation.

2. Motor Insurance 

Motor Private – This policy covers loss or damage to the vehicle and its accessories including legal liability to third parties and passengers in respect of death or bodily injury arising from the use of the motor vehicle. The following risks are covered:

  • Accidental damage
  • Riot and strikes
  • Special perils which include flood, typhoon, hurricane, earthquake and volcanic eruption
  • Fire
  • Theft
  • Windscreen
  • Radio cassette
  • Emergency medical expenses for passengers
  • Towing charges
  • Third-party property damage /Third party bodily injury/Death
  • Passenger liability
  • Towing /recovery charges
  • Loss of Use
  • Road rescue /excess protector

First Auto Motor Insurance – This policy covers loss or damage to the vehicle and its accessories including legal liability to third parties and passengers in respect of death or bodily injury arising from the use of the motor vehicle. The following risks are covered:

  • Accidental damage
  • Riot and strikes
  • Special perils which include flood, typhoon, hurricane, earthquake and volcanic eruption
  • Fire
  • Theft

Motor Cycle- This policy covers loss or damage to the motorcycle and its accessories including legal liability to third parties and passengers in respect of death or bodily injury arising from the use of the motorcycle. The following risks are covered:

  • Accidental damage
  • Riot and strikes
  • Special perils which include flood, typhoon, hurricane, earthquake and volcanic eruption
  • Fire
  • Theft
  • Emergency medical expenses
  • Third-party property damage  /Passenger liability
  • Third-party bodily injury or death
  • Towing /recovery charges

Motor Commercial – Own Use – This policy covers loss or damage to the vehicle and its accessories including legal liability to third parties and passengers in respect of death or bodily injury arising from the use of the motor vehicle. The following risks are covered:

  • Accidental damage
  • Riot and strikes
  • Special perils which include flood, typhoon, hurricane, earthquake and volcanic eruption
  • Fire
  • Theft
  • Windscreen
  • Radio cassette
  • Emergency medical expenses
  • Third-party property damage /Passenger liability cabin passengers only
  • Third-party bodily injury or death
  • Towing /recovery charges
  • Excess protector

Motor Commercial –General cartage – This policy covers loss or damage to the vehicle and its accessories including legal liability to third parties and passengers in respect of death or bodily injury arising from the use of the motor vehicle for Hire and reward.

The following risks are covered:

  • Accidental damage
  • Riot and strikes
  • Special perils which include flood, typhoon, hurricane, earthquake and volcanic eruption
  • Fire
  • Theft
  • Windscreen
  • Radio cassette limit
  • Emergency medical expenses
  • Third-party property damage
  • Passenger liability cabin passengers on request
  • Towing /recovery charges

3. Golfers Insurance 

This policy covers loss, destruction or damage to Golf Clubs and other equipment, personal effects, loss, destruction or damage by fire, theft or any attempt thereat whist in Golf Premies or transit to thereto(Excludes Jewellery, money, laptops).

4.Political Violence, Terrorism and Sabotage Insurance

It provides indemnity against loss and or damage to property, business interruption arising from sabotage, terrorism, mutiny, rebellion, insurrection and coup d’etat.

What is covered

  • Buildings
  • Machinery
  • Stock in trade
  • Motor vehicles
  • Loss of profit

5. Blood Stock and Pet

The policy covers the animal that shall be kept by the Insured as a pet or for the purpose of security within the Insured’s household or for hire and reward as declared.

6. Home Insurance

It covers loss or damage arising from fire, lightning, earthquake, explosion, theft, impact damage from road vehicles are falling trees, riot and strike/malicious damage and alternative accommodation in the event of a loss.

Scope of cover

  • Buildings fixtures and fittings including fence and gates
  • Contents in the house
  • All risks for specific items
  • Domestic workers for death or injury
  • Employers legal liability at common law
  • Owners/occupiers legal liability

7. Medical Insurance

This policy protects your family with affordable health insurance.  Below are some of the covers offered under this policy.

FirstMed – KES 5,000,000 Cover

Inpatient Benefits:

  • Pre-existing, Chronic conditions & HIV/ AIDS-(1st time diagnosis/ declared/undeclared)-subject to 1 year waiting period – Kshs. 1,000,000
  • Organ transplant (cost of the donor is excluded)–2 year waiting period
  • Cancer Treatment-2 year waiting period
  • Kidney Dialysis Treatment-2 year waiting period
  • Congenital Condition-1 year waiting period
  • Psychiatry and psychotherapy- 1 year waiting period
  • Radiology services-X ray, Electrocardiography(ECG) computerized tomography,Ultrasound, PET,MRI and CT-scans(net of NHIF)- Subject to Pre-authorization
  • Accidental Reconstructive surgery
  • Inpatient Dental resulting from an Accident
  • Inpatient Optical resulting from an Accident
  • Illness Related Inpatient Dental-1 year waiting period
  • Illness Related Inpatient Ophthalmology (Apart from Laser eye surgery)-1 year waiting period
  • Lipoma-1 year waiting period
  • Doctor’s/Physicians, Specialist, Surgeons, Anaesthetist fees, ICU/ CCU/HDU and theatre Charges, Physiotherapy as part of inpatient treatment
  • Prescribed Drugs/Medicines, Dressings & Procedures
FirstMed – KES 3,000,000 cover
  • Inpatient Benefit Per Family – 3,000,000
  • Outpatient Benefit Per Person – 150,000
  • Maternity Benefit – 150,000
  • Dental Benefit-Per Person – 30,000
  • Optical Benefit-Per Person – 30,000,
  • Frames(One pair every 2 years) – 10,000

It also covers one eye test per annum per person, Prescription lenses (One pair every 2 years)

FirstMed KES 2,000,000 cover

  • Inpatient Benefit Per Family – 2,000,000
  • Outpatient Benefit Per Person – 100,000
  • Maternity Benefit – 100,000
  • Dental Benefit-Per Person –  20,000
  • Optical Benefit-Per Person – 20,000
  • Frames(One pair every 2 years) – 10,000

It also covers one eye test per annum per person, prescription lenses (One pair every 2 years)

FirstMed – KES 1,000,000 cover

  • Inpatient Benefit Per Family – 1,000,000
  • Outpatient Benefit Per Person – 75,000
  • Maternity Benefit – 75,000
  • Dental Benefit-Per Person – 15,000
  • Optical Benefit-Per Person – 15,000
  • Frames(One pair every 2 years) – 10,000
  • One eye test per annum per person, Prescription lenses (One pair every 2 years)

FirstMed – KES 500,000 Cover

  • Inpatient Benefit Per Family – 500,000
  • Outpatient Benefit Per Person – 50,000
  • Maternity Benefit – 50,000
  • Dental Benefit-Per Person – 10,000
  • Optical Benefit-Per Person – 10,000
  • Frames(One pair every 2 years) – 10,000
  • One eye test per annum per person, Prescription lenses (One pair every 2 years)

8. Personal Accident Insurance 

This policy compensates the insured or his legal in respect of Death, permanent disability and temporary disability caused by violent, accidental, eternal and visible means while on duty or off duty.

Benefits covered:

  • Death
  • Permanent Disability
  • Temporary disability – actual weekly salary for 104 weeks
  • Medical Expenses
  • Last Expenses
  • Cost of Artificial limbs
  • Wheelchair
  • Hearing Aids
  • Local Evacuation expenses
  • Ambulance expenses
  • Rehabilitation expenses
  • Dental expenses
  • Optical expenses

First Assurance Corporate Products 

1. Fire Class

Assets All Risks

This covers All Risks Material Damage and Business Interruption Interests of every kind.

Fire Loss of Profit Policy

It covers loss of profit upon business interruption due to fire.

Industrial All Risks

This is a comprehensive policy that covers your industrial property from :

  • Fire
  • Natural Perils
  • Theft
  • Accidental Damage(products fall down, machinery has been damaged from collision by forklift, etc.)
  • Fire Consequential Loss

Fire Industrial

It covers damage to the property insured caused by the following  perils;

  • Fire
  • Lightening
  • Earthquake
  • Explosion
  • Riot and strike/malicious damage.
  • Special perils such as  hail, snow, wind, hurricane, cyclone, tornado or typhoon, Flood or rain, impact, aircraft or articles falling, subterranean fire

2. Accident Insurance 

All Risks

It provides indemnity against any unforeseen physical loss of or damage to equipment from any causes.

Fidelity Guarantee

It covers loss of money, stocks or property belonging to the insured arising from an act of fraud or dishonesty committed by an employee covered in the policy during the indemnity period.

Cash In Transit (Money)

It  covers loss of money belonging to the insured  as a result of the following

  • Theft following forcible entry into premises
  • Theft during transit of such money
  • Hold up or threat thereat
  • Hijack
  • Damage to safes during theft
  • Damage to clothing or personal effects sustained by a principal or employee of the insured as a result of an assault by a person attempting to steal the money.

Group Personal Accident

This policy compensates the insured or his legal in respect of Death, permanent disability and temporary disability caused by violent, accidental, eternal and visible means while on duty or off duty.

Benefits covered:

  • Death
  • Permanent Disability
  • Temporary disability – actual weekly salary for 104 weeks
  • Medical Expenses
  • Last Expenses
  • Cost of Artificial limbs
  • Wheelchair
  • Hearing Aids
  • Local Evacuation expenses
  • Ambulance expenses
  • Rehabilitation expenses
  • Dental expenses
  • Optical expense

Plate Glass

It covers accidental breakage of glass whilst situated at the Insured’s premises. The policy is ideal for business establishments that have plate glass installed to enhance their visual and aesthetic appeal like showrooms, shopping complexes, restaurants, hotels, theatres, stadiums, etc.

Political Violence, Terrorism and Sabotage Insurance

It provides indemnity against loss and or damage to property, business interruption arising from sabotage, terrorism, mutiny, rebellion, insurrection and coup d’etat.

Burglary

It covers loss or damage to the property insured caused by theft following actual forcible and violent entry into or from premises, or damage to premises as a result of theft.

3. Marine Insurance

It covers the loss or damage of ships, cargo, and any transport or property by which cargo is transferred, acquired, or held between the points of origin and final destination.

4. Goods In Transit

It covers loss of or damage to the property insured or for which he is responsible including ropes tarpaulins and packing materials by an accident or theft following collision or overturning of the vehicle or conveyance.

5. Liabilities 

  • Product Liability Policy- It indemnifies the insured against claims made during the period of insurance which the insured shall become legally liable to pay.
  • Trustee Liability- This policy protects trustees, employees, the employer and any said scheme in the event of claims brought forth.
  • Professional Indemnity- This policy is a policy designed to protect businesses in the event that a client deems work produced or professional advice provided as inadequate.
  • WIBA – This policy covers the employees of the insured for Accidental bodily injury or disease arising out of and in the course of their employment.
  • Employers Liability- This policy covers the employees of the insured for bodily injury by an accident or disease arising out of and in the course of his employment directly related to negligence or breach of common law or statutory duty by the employer.
  • Public Liability -This policy indemnifies the insured against sums he may become legally liable to pay for damages to third parties in respect of the following:
    • Accidental Death to a third party person
    • Accidental Bodily Injury to third party person
    • Illness to a third party
    • Loss or damage to property belonging to a third party
    • Legal costs and expenses incurred to defend such matters or awarded against the insured
  • Directors and Officer’s Liability- It indemnifies the directors or officers of the Company against loss arising from any claim or claims first made against them.

6. Engineering Insurance 

  • Contractors All Risk – This policy covers all risks associated normally with a construction project.
  • Contractors Plant and Machinery- This policy covers all different types of machinery used for handing material or construction.
  • Electronic Equipment Policy- Covers your Business for accidental loss and sudden/unforeseen physical damage including breakdown to the electronic equipment.
  • Machinery Breakdown Loss of Profit – protects your business from the loss of gross profit /or Increase the cost of working due to a continuing interruption to business caused by the breakdown.
  • Machinery Breakdown Insurance- covers companies against unforeseen and sudden physical loss or damage to the machinery by any cause subject to excepted risks.
  • Erection All Risks- covers contractors from Loss or damage to projects that involve erection/installation of plant, machinery and equipment whether it’s a single machine or a large power plant.

7. Group Life 

Group Life Assurance Plan

Provides high-quality Insurance package for your employees. It has the following benefits called ”riders” at an additional cost.

  • Last Expense (Funeral) Rider- Provides access to finance to meet funeral expenses is very vital to the family that has lost a loved one.
  • Critical Illness Rider- This cover prepays 30% of the Sum Assured up to a maximum of the agreed amount under the scheme if the Life Assured suffers from the diseases listed under the policy during the term of the policy.
  • HIV/AIDS Treatment RiderThis cover provides Anti- Retroviral (ARV) drugs for HIV positive members and their spouses.
  • Group Disability Rider – This cover pays 75% of the annual pre-disability salary subject to a maximum of KShs. 240,000.00 per year for a period of 24 months if the Life Assured becomes continuously unable to perform their normal occupation due to sickness or injury.
  • Permanent Disability Rider –

This rider provides for the payment of the full Sum Assured on permanent and total disability of the Life Assured arising out of sickness or injury.

Group Last Expense Policy

This policy covers the life of a person whilst being a member of a formal group.

Group Credit Assurance Policy

This policy is designed to fulfil your loan obligation in the event of death or disability.

Group Mortgage Assurance Plan

This policy is designed to help you protect your comfortable home in the event of death or disablement.

8. Group Medical Cover: For 10 or more members

The main product under this policy is inpatient cover.

Benefits

  • Wide range of providers including India
  • 90 days of emergency cover whilst an insured is out of Kenya
  • Lodger fee for parents accompanying a child to the hospital
  • Post hospitalization cover
  • Air evacuation and local emergency road ambulance services
  • Congenital and Psychiatric covers
  • Free First CS cover
  • Cover for pre-existing, chronic and HIV conditions (including ARVs)

9. Business Man Combined (SME Solutions)

They provide tailor-made products for various SME’s in the construction, industrial, agricultural and service sectors as listed below.

  • Fire and Perils
  • Burglary
  • Business Interruption (Loss of Profits) Insurance
  • Fidelity Guarantee
  • All Risks
  • Cash In Transit (Money)
  • Group Personal Accident Staff And Students
  • Terrorism And Sabotage Insurance
  • Employers Liability   Policy
  • WIBA Policy
  • Public Liability
  • Medical Insurance

List of First Assurance branches in Kenya 

1. First Assurance Head Office 

Location: First Assurance House, Clyde Gardens, Gitanga Road, Nairobi.

Contacts: +254722-444117, 0733-605480

2. First Assurance Medical Office

Location: Cassia House, Westlands Office Park, Nairobi

Contact: 0709 122 000

3. First Assurance Queensway Branch 

Location: Queensway Building 4th Floor, Nairobi

Contacts: 2219852/3/4, 0735605480, 020-2692250/60/70/80

4. First Assurance Nakuru Branch

Location: Westside mall along Kenyatta Avenue – 2nd floor, Nakuru

Contacts: 051-2210598/2210602,020-2343989,2343994,0786 605480

5. First Assurance Kisumu Branch 

Location: United Mall, Ground floor along Kisumu – Kakamega Highway, Kisumu

Contacts: 020-2030576, 057-2024102

6. First Assurance Mombasa Branch

Location: First Assurance House along Nyali Road off Mombasa – Malindi Highway

Contacts: 041-4476700/494