Looking for reliable insurance in Nairobi? Discover the top insurance companies (Jubilee, Britam, APA, CIC, AAR, ICEA Lion and more), what they cover, how they compare and tips to pick the best plan for your needs. Up-to-date guide for 2025.
Choosing the right insurer in Nairobi matters — whether you need health cover, motor insurance, business protection or life policies. This guide highlights the best insurance companies operating in Nairobi in 2025, what makes each stand out, and practical tips so you pick the right policy fast. The list is based on market share, product range, claim performance and regulatory standing.
Top insurance companies to consider in Nairobi (2025)
1. Jubilee Insurance
Jubilee is one of Kenya’s most trusted and widely-recognized insurers with a strong presence in health and general insurance. They are known for their wide hospital network, digital claims channels and solid customer support — making them a top choice for families and individuals seeking medical cover.
2. Britam
Britam offers a broad mix of life, medical and general insurance products. Their strengths include flexible life policies, corporate risk solutions, and strong digital tools for policy management and claims. Britam is frequently listed among the top insurers by gross written premium and customer reach.
3. APA Insurance
APA (African Prudential Assurance) has grown rapidly and features among the top players by market share. They provide competitive motor, property and medical covers — attractive for clients looking for value and robust underwriting. APA often appears near the top of market-share rankings.
4. CIC Insurance Group
CIC is widely used by cooperatives, SMEs and individuals. Its strength is affordable product bundles (including agriculture and SME-focused covers) and a strong distribution network which makes it easy to access cover across Nairobi and beyond.
5. AAR Insurance
AAR is best known for medical/health insurance and a large network of partner hospitals. If your priority is medical benefits and quick access to hospitals in Nairobi, AAR is a leading contender. They also offer travel and corporate medical solutions. (
6. ICEA Lion Group
ICEA Lion provides comprehensive life and general insurance services. Their reputation for innovation, competitive premiums and good customer care makes them a reliable option for both personal and business covers.
7. Others to watch
Other reputable names include Old Mutual Kenya, Madison, GA Insurance and Heritage — each with strengths in life, investment-linked plans, corporate risk and specialty insurance lines. For regulated status, consult the Insurance Regulatory Authority (IRA) list of licensed insurers.
How to compare insurers — practical checklist
Claims settlement reputation: Read reviews and ask for typical claim turnaround times. Fast, transparent claims handling matters most.
Network of hospitals / garages: For health or motor cover, check partner hospitals or approved garages in Nairobi.
- Product fit: Compare inclusions and exclusions — e.g., maternity cover, chronic conditions, or natural disaster clauses for property policies.
- Premium vs benefits: Don’t buy purely on lowest premium — check coverage limits, co-payments and excesses.
- Regulatory standing: Confirm the insurer is licensed by the IRA. The official licensed insurer list is published annually.
Best insurer by need (quick guide)
Best for health/medical: Jubilee, AAR, Britam.
Best for life & investments: Britam, Old Mutual, UAP Old Mutual.
Best for SMEs & cooperatives: CIC, APA.
Best for travel or short-term cover: AIG (travel partners), AAR and some approved providers on Schengen lists.
FAQs
Q: Are Nairobi insurers regulated?
Yes — all insurers operating in Kenya must be licensed by the Insurance Regulatory Authority (IRA). Always verify licensing before buying.
Q: Can I buy insurance online in Nairobi?
Yes — many leading insurers (Britam, Jubilee, APA, CIC) offer online quotes, e-policies and digital claims. Check the insurer’s official site for secure purchase channels.
