APA Insurance

About APA Insurance

As one of the leading general insurers in Kenya, APA Insurance caters to both individuals and corporates across the country with its wide range of insurance solutions as well as services that go beyond insurance.

The flagship company, was formed after the merger of the general businesses of Apollo Insurance Company and Pan Africa Insurance. With a combined experience of over 100 years (Pan Africa – 1946 and Apollo –1977), APA has become the largest insurance firm in Kenya and the most innovative in product offering.

APA Insurance underwrites General Insurance risks such as Motor, Liability, Agriculture, Marine, Aviation, Property and Micro Insurance. We also underwrite Health Insurance, i.e. Corporate Health Insurance, Individual and Family Health Insurance.

General Insurance

Domestic Package

This is a combined policy for homeowners. It covers the building itself, contents whilst in the house and outside the house, house servants against death or injury whilst in the course of employment and personal legal liability to third parties.

Travel Insurance

Whether you are headed for business trip or a trip of a lifetime, go with a peace of mind thanks to the Globetrotter policy.

Designed for any traveler anywhere in the world and provides 24-hour cover on anything from medical expenses and assistance, travel delay or flight cancellation, hospital allowance, personal accident, loss of passport, total loss of baggage that has been checked in by an international airline, loss of money, personal civil liability and hijacking.

Personal Accident

We cover accidental death or disablement to the insured and offers compensation payable to the insured or to his legal representative in accordance with the sum insured and scale of compensation agreed and specified in the policy schedule. The age requirements for this policy is above 15 years and below 65 years. Policy can be given to individuals or groups.

We also provide a student’s personal accident cover to individuals, schools and organized groups on reasonable premium terms. Special group covers are available as personal accident covers which include work related occupational illness.

Motor Insurance

We know it’s handy to have someone else insured to drive your vehicle, and that is why we have made it easy to add a named driver to your comprehensive motor insurance policy.

By adding a named driver to your motor insurance – whether it’s your spouse, a family member or a friend – you will benefit from affordability because the driving will be shared, which can reduce the risk of accidents. By adding them as a named driver, you ensure that they get the same level of cover as you.

Our Comprehensive motor insurance protects the insured against financial loss in the event that the motor vehicle is involved in an accident, burnt or stolen.

Third Party: This policy covers third party bodily injury and property damage arising out of use of motor vehicle.
Third party Fire & Theft cover extends to cover theft, fire, third party bodily injury and property damage.
Comprehensive cover covers third party liability and property damage to the vehicle i.e. damage arising out of fire, theft and accidental damage to the vehicle.

Agriculture Insurance

Area Yield Index Crop Insurance

This is a multi-peril micro-insurance product rolled out together with the Government of Kenya and other insurers. It covers smallholder maize and wheat farmers against poor yields due to poor weather and natural catastrophes.

Index-based Weather Insurance

This cover compensates farmers for crop damage as a result of deficit or excesses in weather conditions such as temperature, sunlight, wind speed or rainfall resulting in losses during the length of the crop growth cycle up to physiological maturity.

Livestock Insurance

This compensates livestock keepers upon accidental death of their domesticated animal of economic value through accidents, illness, or complications while giving birth. Farmers are also compensated for the theft of their animals.

Health Insurance

Femina

There are two common threats to women’s lives today – Breast Cancer and Cervical Cancer. In most cases, these two are rarely diagnosed in time and when they are, considerable damage/harm may be in the offing.

However, with proper management, one can lead a normal and stress free life. It is a cash benefit for any policyholder diagnosed with either Breast or Cervical Cancer.

Specifically developed for today’s woman, it does not require any checkups before signup, just a simple application form and one is covered.

Health Corporate

APA Insurance offers flexible tailor made corporate products for groups with ten (10) or more employees. The main benefit is a fully insured in-patient scheme.

Optional Riders:

A fully insured outpatient scheme
A fully insured Dental and optical cover
A fully insured Maternity Cover
Last/Funeral expense cover
Excess of Loss Cover

Enhanced benefits:

Cover for Pre-existing and chronic conditions
Opportunistic infections of HIV conditions

Other benefits offered at a fee:

Fund management / Scheme administration only

Structure of Cover

Cover can be either on a:

Per Family /shared limit. The family shares the cover on a first come first to claim basis until the limit is exhausted.
Per person basis. Each member has own limit.

Scheme Membership:

All Permanent Employees, aged between 18 to 65 years.
One Legal Spouse per principle member.
Own or legally adopted child from 0 months (a term baby) to 18 years (or 23 Years for a child who is a fulltime school or college students).

Scope of Cover

Inpatient Cover: Minimum Kshs.100, 000 to a maximum 5,000,000

Inpatient cover provides for medically necessary hospital bed charges, doctor’s bills, anesthetist’s bills, operating theatre fees, ICU expenses, day surgery, physiotherapy pharmacy, laboratory and investigations reasonably incurred by an insured member. Local road and air evacuation is also included. This cover will be on credit facility with our providers.

Outpatient: Limit of cover offered: Kshs. 30,000 to 300,000

Outpatient cover provides for medically necessary consultation fees, investigatory procedures (laboratory & radiology), and referral to specialists, pharmacy and dressings Cover will be on credit facility basis with our providers and on 80% re-imbursement.

Dental: Limit of cover offered: Kshs. 10,000 to 30,000

This provides for: Cost of fillings, X-rays, Extractions including surgical extraction together with anesthetics fees

Optical: Limit of cover offered: Kshs. 10,000 to 30,000

This provides for the cost of eyeglasses and eye testing.

Maternity

This benefit shall cover Delivery fees, consultation and treatment for both mother and child only during the period of confinement in hospital.

Costs for miscarriages and abortions may be covered, provided they are certified by a gynecologist as being necessary to save the life of the mother.

This benefit is only available to staff/spouse

At APA Health, we:

Guarantee confidentiality of member data and medical information.
Provide clear communication of scope of cover to employer/members.
Maintain access to all the accredited hospitals.
Audit of bills and the utilization of the scheme by members.
Ensure prompt settlement of claims.
Issue policy document and photo cards promptly.
Issue quarterly expenditure statement and call for review meeting.
Observe the principal of Utmost Good Faith.
Issue policy document and photo cards promptly.

Jamii Plus & Afya Nafuu

These are our medical insurance products designed to cover individuals and families.

Main Products:

Inpatient cover is the core cover.

The benefits covered under Inpatient include, Pre -existing, Chronic, Congenital, HIV/AIDS related conditions, cancer treatment, organ transplant, lodger fees, accidental dental/reconstructive surgery among many more others.

Optional Benefits

Outpatient cover
Maternity cover
Dental & Optical Cover
Last expense cover
Personal Accident Benefit Cover

Enhanced Benefits

We offer enhanced cover options that cater for the following conditions: –

Cover for Pre-Existing, Chronic, Psychiatric, congenital and HIV/AIDS including related conditions
Country wide Provider Network
Overseas inpatient referrals covered on credit under listed hospitals
Cover for inpatient dental and optical treatment
Post hospitalization benefit
Funeral expenses benefit
Free Personal Accident benefit for Principle member

Who is eligible for the cover?

Adults between the age of 18 years and 75 years.
Children between the age of 1 month and 17 years.

Maternity Cover

This caters for:

Normal delivery including professional fees, labour and recovery wards for all plans.
Costs of delivery, and other related ailments and complications including ectopic pregnancies, miscarriage, etc
Caesarean section delivery including professional fees, labour and recovery wards.

*Please note maternity has a 10 months waiting period of continued coverage with APA

*The difference between Jamii plus and Afya Nafuu is the provider list and optional benefits and limits

Contact Us

Head Office

Apollo Centre, ring road Parklands, Westlands

Tel:+254 (0) 20 364 1000

info@apainsurance.org

City Center Branch

6th floor, Hughes Building, Banda Street. Nairobi

Tel:020-2862000

info@apainsurance.org