Comprehensive group medical and life insurance for businesses. Protect your employees with affordable group insurance plans. Get a group quote today.
Provide comprehensive insurance coverage for your employees, members, or group participants with tailored group insurance solutions.
Offering group insurance helps you attract and retain top talent while showing you care about your employees' wellbeing.
Group policies often come with better rates and coverage options than individual policies, making them cost-effective for businesses of all sizes.
Group insurance plans can be customized to meet your organization's specific needs:
Comprehensive healthcare coverage for employees and their dependents, including inpatient, outpatient, maternity, dental, and optical benefits.
Provides a lump sum death benefit to employees' beneficiaries, typically 2-4 times annual salary. Can include permanent disability benefits.
Covers accidental death, permanent disability, and medical expenses resulting from accidents both on and off duty.
Mandatory coverage for work-related injuries, occupational diseases, and death. Required by Kenyan law for all employers.
In Kenya's competitive job market, comprehensive benefits packages help you recruit the best candidates. Quality insurance is often a deciding factor for job seekers.
Employees with good insurance are more likely to stay with your company long-term, reducing turnover costs and preserving institutional knowledge.
Healthy employees are productive employees. Easy access to healthcare means less absenteeism and faster recovery from illnesses.
Employee insurance premiums are tax-deductible as business expenses, reducing your overall tax liability while providing valuable benefits.
Providing insurance shows employees you value their wellbeing and that of their families, fostering loyalty and positive workplace culture.
Stand out from competitors who offer minimal or no benefits. Strong employee benefits enhance your employer brand and reputation.
Group insurance offers significant cost advantages over individual policies:
Group insurance isn't just for large corporations. Various organizations can benefit:
Even small teams can access group insurance. Minimum group sizes typically start at 5 members, making it accessible for SMEs looking to compete for talent.
Companies with 50+ employees get the best rates and most flexible terms. Can negotiate custom benefit packages and additional riders.
Lawyers, doctors, engineers, and other professional bodies can pool members for group insurance, accessing better rates than individual policies.
Member-based organizations can extend group insurance benefits to their members, adding value to membership and supporting financial wellness.
Educational institutions can provide group cover for staff and faculty, ensuring educators have access to quality healthcare.
Non-profit organizations can offer competitive benefits to attract mission-driven talent despite potentially lower salaries than private sector.
When implementing group insurance for your organization, consider:
Assess your budget and employee needs. Some companies offer tiered plans (bronze, silver, gold) letting employees choose their coverage level with varying contributions.
Decide what percentage you'll cover. Common models: 100% employer-paid for employee only, 50-75% for dependents, or shared contributions across the board.
Determine when new employees become eligible (immediate, after probation, after 3-6 months). Consider whether part-time or contract staff qualify.
Choose insurers with hospital networks near your offices and employees' homes. Consider including emergency evacuation for field staff in remote areas.
Plan how you'll enroll employees, process additions/deletions, handle premium collection, and educate staff about their benefits. Clear communication is crucial.
Review your group policy annually. Track claims experience, employee satisfaction, and market rates to ensure you're getting competitive value.
Ready to implement group insurance for your organization? Here's how to begin:
Pro Tip: Partner with an experienced insurance broker who understands your industry and can advocate for your needs during negotiations and claims. Their expertise ensures you get the best value and support for your team.
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Comprehensive health insurance solutions in Kenya, from basic medical cover to specialized family plans, maternity insurance, and SHA/NHIF top-ups.
Protect your family's financial future with life insurance in Kenya. From last expense insurance and funeral cover to term life and whole life policies.