UAP Old Mutual Insurance Products and Branches in Kenya

This is a list of products offered by UAP Old Mutual Insurance and its branches in Kenya. It is one of the 56 licensed insurance companies in Kenya by the Insurance Regulatory Authority. UAP and Old Mutual were individual insurance companies before they merged in 2015.

UAP Old Mutual Insurance Products

a) Personal Products 

1.Health Insurance  

Afya Imara 

This is an enhanced medical insurance cover that offers both inpatient and outpatient benefits and has flexible packages applicable to individuals, families groups, and SMEs.

Afya  Imara County 

This is an affordable medical insurance cover with high-quality medical provider networks. This cover caters for both inpatient and outpatient benefits countrywide.  It is designed for individuals and families, with up to four inpatient cover limits to choose from and three options for outpatient.

 Afya Imara Seniors

This is an enhanced insurance solution that provides health benefits for individuals between the ages of 65 years up to 80 years and offers both inpatient and outpatient. Once an individual joins the scheme, they are covered for life.

Afya Imara Executive 

With Afya Imara Executive, you get access to specialized medical attention from private doctors.

Afya Imara Junior

This product covers children from the age of 0 years (after discharge from hospital) up to the age of 18. It is a comprehensive medical cover with both inpatient and outpatient benefits.

Gertrude Junior

This plan is a children’s insurance policy that provides low-cost child healthcare and medical expense cover across Kenya. The product is offered in partnership with Gertrude’s Children’s Hospital. It provides outpatient and inpatient services access to Gertrude’s Children’s Hospital and its satellite clinics.

2. Critical & Severe Injury Insurance

Home Insurance

This is a comprehensive insurance package that ensures peace of mind in the comfort of your home. It compensates for loss or damage to your building and the contents, medical expenses from injuries or illnesses, to the domestic workers employed in your private residence, costs arising from legal liabilities due to accidental bodily injuries and, loss, or damage to property.

It also provides cover against loss of or damage to items that you normally use outside your house such as mobile phones, laptops, jewelry.

Makao Salama

It is a unique, innovative policy that provides safety for your property, possessions, family, domestic house helps, and a cover against liabilities. It covers you against loss of, or damage to your house, the contents, and personal effects because of fire, theft, and other accidental occurrences. The policy also provides cover to common areas like swimming pools, perimeter walls, corridors, lighting, and equipment.

On top of that, it provides cover for liability. This includes personal and legal liability to the general public, legal expenses from lawsuits by your domestic employees, and work-related medical expenses for your employees.

8. Travel Insurance 

It provides protection against unforeseen circumstances while on your trip. It covers cover expenses arising from loss of luggage or journey cancellation due to illness, injury or death, costs of any emergency medical attention, legal obligations, and repatriation.

9. Golf Insurance 

It  provides you with a cover against accidents on the golf course or within the club premises. Aside from that, our policy also protects you from the aftermath of unusually good luck such as a hole-in-one.

10.Disability Insurance & Loss Protection Cover

It provides cover against loss of income due to accidental physical harm, to help you cater for adjustments in your lifestyle.

11.Personal Savings Solutions

Premier Savings Plan

This plan enables you to save Ksh 7,000 per month and use your savings plan as collateral to secure loans.

Max Investment

• Clinical Trials – covers all sums that you shall become liable to pay as damages or compensation and claimants’ costs and expenses in respect of any Claim made by the research participants for bodily injury caused by an occurrence happening within the trial duration.
• Event Cancellation – covers you against the costs and expenses sunk into organizing an event following cancellation, abandonment, postponement, interruption, or relocation. You have the liberty to extend the cover to include loss of profits, personal accident for the organizers, and Public Liability.
• Bonds & Guarantees –  the policy guarantees payment of interest and premium on purchasing bonds of various types ranging from the bid or tender security bonds, immigration bonds, customs bonds, advance payment bonds, and performance bonds.
• Kidnap & Ransom – It is a specialized policy for high net worth individuals working in risky areas. The policy covers the risks of kidnap, extortion, wrongful detention, and hijacking. With this cover, you get reimbursed for the cash and, or items surrendered to meet a ransom demand.
• Prize indemnity – It is a highly tailored compensation policy cover, for competitions where the participants are offered a chance to win jackpot prizes. The cover is available for Draw Based Games Played Online or via a Mobile Device.
• Oil & Gas Projects- The policy is designed to provide coverage for the various risks players in the oil and gas industry may be exposed to. Cover ranges from drilling to the servicing phases and even manufacturing of machinery parts.
• Engineering Mega Risks- It is suitable for high-value construction and, or erection projects such as multi-storeyed buildings, ports, railway lines, and power plants. The cover protects the project works, liabilities to third parties and personnel involved during the project phase all through to the operational phase.

9. Marine Cargo Insurance

• The Employer can transfer in any accumulated savings for the accrued past service for staff and save on PAYE tax (currently at KES 240,000 per year)
• The Employer will not need to appoint a board of Trustees hence all the staff can concentrate on the employer’s core business.
• Your staff can use up to 60% of their accumulated pension savings as collateral for a mortgage loan.