The Kenyan Alliance Insurance Products and Branches in Kenya

This is a list of products offered by The Kenyan Alliance Insurance and its branches in Kenya. It is one of the 56 licensed insurance companies in Kenya by the Insurance Regulatory Authority. The company was incorporated in 1979 and since then has been offering general, life and healthcare insurance.

The Kenyan Alliance Insurance Products

a) General Insurance Products 

1.Marine Cargo Insurance 

This policy provides protection from physical loss or damage during transit of cargo from one terminal to another either by sea or air and land transportation.
2. Motor Private 
It provides cover to the insured’s vehicle against accidental loss or damage.
The scopes of this policy include:

Comprehensive: Covers the following

    1.  Accidental damage
    2. Theft of the vehicle
    3.  Passenger liability Excluding driver, insured, and family member of the insured person.
    4. Third-party liability (both property and death or injury of persons out of the vehicle.

Third-Party Fire & Theft: covers the following

    1.  Theft of the vehicle
    2.  Passenger liability Excluding driver, insured and family member of the insured person
    3.  Third-party liability (both property and death or injury of persons out of the vehicle

Third-Party Only

It covers third party liability (both property damage and death or injury to third party persons.  It is a mandatory cover for all vehicles in Kenya.

3. Motor Commercial 
This policy provides cover for motor commercial vehicles against accidental damage, fire, theft, third party liability.
Classes
Category a) Motor Commercial own good:

Feature: Vehicles used for own use and not for hire and reward

Category b) Motor commercial General Cartage:

Feature: For hire and reward

Category c) Motor Commercial Institutional vehicles:

Feature: Includes school bus, school vans, etc. vehicles that belong to institutions

Category d) Motor Commercial Oil Tankers

Feature: Includes tankers that are used to carry petrol and oil products

Category e) Motor Commercial PSV (Chauffeur Driven)

Category f) Motor Commercial Special type
Feature: Includes tractors, rollers, and excavators, Loaders, etc.

4. Motorcycle

Provides cover for motorcycle private use only.

Comprehensive: Covers the following

  • Accidental damage
  • Theft of the vehicle
  • Passenger liability Excluding driver, insured and family member of the insured person

Third-party liability 

  •  Theft of the vehicle
  • Passenger liability Excluding driver, insured and family member of the insured person
  •  Third-party liability (both property and death or injury of persons out of motorcycle)

 Third-Party Only

It covers third party liability (both property damage and death or injury to third party persons.

5. Domestic Package 

This policy provides protection to your home and its contents. It is divided into three sections as listed below.

Section  A: Building

It covers the dwelling house (if owned by the policyholder) against loss and damage by the perils listed below.

  • Fire, lightning, thunderbolts, earthquakes, volcanic eruptions
  • Storm or tempest, floods, accidental impact with the building
  • Bursting or overflowing of water tanks, apparatus or pipes
  • Loss or damage following the escape of water from storage or heating installations.
  • Damage arising from theft or attempted theft
  • Aircraft or other aerial device or any article dropped therefrom above the building
  • Explosions
  • Riots and strikes
  • Falling trees

Section B:  Contents

It covers household goods/contents against loss or damage to the same perils covered under Section A.

Section C:  All Risks

As the name suggests, All Risks Insurance covers loss or damage to specific valuables from any cause that is not specifically excluded in the policy.
Common items insured under this section include mobile personal items such as jewelry, spectacles, cell phones, laptops, and photographic equipment. Household electronic equipment at the risk of accidental damage may also be insured under this section.

Section D: WIBA for Domestic Employees

This section of the policy covers the legal liability under the Work Injury Benefits Act (WIBA) against accidental death or bodily injury in the course of duty as well as medical and funeral expenses with respect to domestic workers such as watchmen, gardeners, house helps, etc.

Section E: Owner’s Liability

This section covers any legal liability that may arise from accidental bodily injury or damage to property in connection with the ownership of the residence by the insured or his household. Injury or damage to property could arise as a result of falling on slippery surfaces, attach by canines, burns from domestic gas explosions, etc.

Section F: Occupier’s Liability

This section covers any legal liability that may arise from accidental bodily injury or damage to property in connection with the occupation of the residence by the insured or his household. Such injuries or damage to property could arise as a result of falling on slippery surfaces, attach by canines, burns from domestic gas explosions, and any other causes.

6. Fidelity Guarantee 

This policy offers protection against loss of money or goods from business premises, through dishonest/fraudulent acts of an employee.

7. Goods In Transit 

It covers property against loss or damage while in transit from one destination to another or being stored during a journey.

8. Personal Accident

It covers accidental death or disablement to the insured. The policy can be given to individuals or groups of individuals.

  • Student Personal Accident
    Students’ personal accident cover to individual students on an industrial attachment or otherwise, schools and organized groups on very reasonable premium terms.
  •  Group Personal Accident
    Special Group personal insurance is essentially a personal accident cover, which includes work-related occupational illness and is thus Work Injury Benefits Act 2007 (WIBA) compliant. It operates exactly like a personal accident cover only that it deals with a group. It is usually arranged by the employer for the employees and is usually based on salary and is issued subject to the declaration of actual salaries.

9. All Risks Policy 

It covers accidental loss, damage, or destruction from any loss, including fire, which is not specifically excluded.

10. WIBA Insurance

It provides indemnity to an employer against legal liability under the workmen injury Act (2007) in respect of assessments and awards for bodily injury to a workman due to accident or occupational diseases arising out of and in the course of the employment by the employer in respect of the employer’s business.

11. Fire and Perils 

This policy provides indemnity against loss or damage to property caused by fire, lightning, and explosion.

12. Fire Industrial 

This insurance cover normally incorporates Fire & Allied Perils, Burglary, Accidental damage, and business interruption.

13. Burglary 

It offers compensation for loss and damage resulting from a burglary/ housebreaker attempt at your premises.

14. Money 

This policy covers the loss of money belonging to the insured or for which he is legally responsible while on the premises specified (out of safe during business hours and in specified locked safes or strong rooms) outside business hours and while in transit to and from the bank.

15. Public Liability 

This policy provides indemnity in respect of legal liability arising in connection with the participants’ business to pay damages as a result of accidental bodily injury or accidental loss of or damage to property of members of the public.

16. Employer’s Liability

It provides indemnity to the employer against legal liability for damages and claimants costs and expenses of litigation with respect to bodily injury by accident or occupational diseases caused by employees.

17. Professional Indemnity 

It indemnifies a professional in respect of his/her legal liability towards third parties for injury, loss, or damage arising from his/her own professional negligence or that of his/her employees.

18. Machinery Breakdown 

It  provides cover against unforeseen and sudden physical loss or damage to the insured machinery resulting from:

  • Physical explosion
  • Malicious acts
  • Negligence, human error, lack of skill
  • Faulty design
  • Defective material, bad workmanship

19. Erection All Risks

It covers all types of risks involved in the erection of machinery, plant & steel structures of any kind.

 

b) Life Insurance Products 

Individual Life Insurance Products 

1.Education Provider Plan 

It is designed as a protection and savings tool to provide funds to pay for your child’s education expenses.

2. Planned Income Provider 

This is an Anticipated Endowment policy with unique features where part of the sum assured is paid at certain intervals during the term of the policy to meet the short term financial goals and the full sum assured together with accrued bonuses at maturity to meet long term financial goals.

3. Term Assurance Cover

The policy provides life cover for a specific term, which can be either renewable or non-renewable. The Kenyan Alliance term assurance runs for 5 years and is renewable thereafter for a further 5 years.

4. Investment Provider Plan 
It’s a low-risk investment plan that ensures security for your capital and provides you with an opportunity to build up a lump sum either by monthly installments or by single premium to meet your financial dreams of a comfortable future such as owning a car, going for a dream holiday, purchase of assets, start a business or family, etc.
5. Whole Life Assurance 
This is a life insurance policy that is guaranteed to remain in force for the insured’s entire lifetime provided the required premiums are paid, or to the maturity date.
6. Home Ownership Savings Plan
The plan is designed to enable an admitted depositor to accumulate a fund to purchase or build a permanent house for his occupation.
Group Life Insurance Products 
1. Group Life Assurance 

This policy covers an Employee in the event of the death of the Employee during service with the Employer.

2. Group Credit Life Assurance 

This is a Loan Protection policy that provides cover to a Financier for the amount of loan outstanding from year to year. If death occurs before repayment of the full loan the policy pays the amount outstanding to the Financier.

3. Group Morgage Life Assurance 

This is a loan protection product, a subset of Credit Life, that caters specifically to mortgage loans. The Policy provides cover to a Financier for the amount of loan outstanding from year to year. If death occurs before repayment of the full loan the policy pays the amount outstanding to the Financier.

4. Group Last Expense

The policy provides for benefits to the dependents of a deceased member to cater for burial expenses.

c) Health Insurance 
1. Family Healthcare package 
Features
  • Inpatient
  • Outpatient
  • Optical
  • Dental
  • Maternity

 Benefits:

Inpatient Benefit

  • Bed capacity
  • Pre-existing, chronic, Cancer and HIV/AIDS conditions within the inpatient benefit after one year (including newly diagnosed)
  • Congenital conditions treated after one year (12 months) of cover for insured’s children within the pre-existing and chronic sub-limit above
  • Premature conditions treated after one year (12 months) of cover for members with the maternity benefit within the congenital sub-limit above
  • Psychiatric illness is covered within the inpatient limit after one year (12 months) of cover
  • First-ever emergency cesarean section Cover within the inpatient benefit (non- elective) after one year.
  • Inpatient non-accidental dental treatment within the inpatient benefit
  • Inpatient non-accidental optical treatment within the inpatient benefit
  • Post hospitalization visits/follow-ups within the inpatient benefit
  • FREE Last expense benefit

Outpatient Benefit

  • Pre-existing, chronic, Cancer and HIV/AIDS conditions within the inpatient benefit after one year (including newly diagnosed)
  • Congenital conditions cover for insured’s children
  • Psychiatric illness treatment
2. Corporate Healthcare Package 
It enables your company employees to access superior in-patient and out-patient healthcare services through the various Kenyan Alliance Insuranceaccredited healthcare service providers anytime they need to.

Features

  • Inpatient
  • Out-patient
  • Optical
  • Dental
  • Maternity

Benefits

  • Health complications covered include pre-existing, chronic, HIV/AIDS, psychiatric, congenital, etc.
  • No medical examinations required
  • Credit Facilities available in Hospitals on the Panel
  • Road and air evacuation in case of an emergency
  • Cover outside Kenya On holiday & Business- Six weeks (On reimbursement)
  • Overseas referral to India for specialized treatment
  • Use of smart cards for identification
SME Health plan
It is a flexible and affordable private medical insurance for a small business. The cover provides for medical and surgical expenses reasonably incurred by the insured members as a direct result of their sustaining accidental bodily injury and/or illness and/or a disease within the period of insurance.

Features:

  • Outpatient limits of Kshs. 50,000 – 200,000
  •  Dental limits of Kshs. 10,000 – 30,000
  •  Optical limits of Kshs. 10,000 – 30,000
  • Maternity limits of Kshs. 50,000 – 100,000

Benefits:

  • Health complications covered include pre-existing, chronic, HIV/AIDS, psychiatric, congenital, etc.
  • Medical examinations required
  • Credit Facilities available in Hospitals on the Panel
  •  Road and air evacuation in case of an emergency
  • Cover outside Kenya On holiday & Business- Six weeks (On reimbursement)
  • Overseas referral to India for specialized treatment
  •  Use of smart cards for identification

The Kenyan Alliance Insurance Branches in Kenya

1. The Kenyan Alliance Insurance Head Office

Location: Dunhill Towers, Waiyaki Way, Westlands, Nairobi

Contact: 020 2284000, 0709 334 000 , 0709 234 000

2. The Kenyan Alliance Insurance Mombasa Branch

Location: Trade Centre, Nkrumah Rd, Mombasa

Contact : 041 2222296

3. The Kenyan Alliance Insurance Nakuru Branch

Location: Utalii Arcade, Ground Floor, Moi Road, Kenyatta Avenue

Contact: +254 709 334 000/0791 399565, +254 20 2284000/020 2284940/1/2

4. The Kenyan Alliance Insurance Kisumu Branch

Location: Reinsurance Plaza, 2nd flr, Oginga Odinga Street, Kisumu

Contact: 020 2389261

5. The Kenyan Alliance Insurance Thika Branch

Location: Thika Arcade, Off Kenyatta Avenue, 4th floor

Contact: 020-2428354, 020-240388

6. The Kenyan Alliance Insurance Karatina Branch

Location: Uchumi Building, Ground floor Off Nyeri Nairobi highway

Contact: 061 – 2144913

7. The Kenyan Alliance Insurance Kitui Branch

Location: Muli Mall,1st floor, Room 33, Makuti Street

Contact : 020 2023810

8. The Kenyan Alliance Insurance Meru Branch

Location: Angaine plaza Ground floor, Off Tom Mboya Avenue

Contact :020 – 2403869

9. The Kenyan Alliance Insurance Machakos Branch

Location: Susu Centre, Ground Floor

Contact: 0728428004

 

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