UAP Old Mutual, formed by the 2015 merger of UAP and Old Mutual, is among Kenya’s 56 licensed insurance companies, regulated by the Insurance Regulatory Authority. Renowned for its comprehensive and innovative insurance solutions, the company caters to individuals, families, and businesses across the country. This updated guide details UAP Old Mutual’s diverse product offerings and its extensive network of branches, providing essential information for those seeking reliable insurance coverage.
Personal Insurance Products
1. Health Insurance
UAP Old Mutual offers a range of health insurance plans tailored to diverse needs, ensuring access to quality medical care.
- Afya Imara: A comprehensive medical cover for individuals, families, groups, and SMEs, providing inpatient and outpatient benefits with flexible packages.
- Afya Imara County: An affordable plan with access to a nationwide network of high-quality medical providers, offering inpatient and outpatient benefits with four inpatient and three outpatient options.
- Afya Imara Seniors: Designed for individuals aged 65 to 80, this plan offers lifelong coverage with inpatient and outpatient benefits.
- Afya Imara Executive: Provides access to specialized medical care from private doctors for premium healthcare needs.
- Afya Imara Junior: Covers children from birth (post-hospital discharge) to age 18, with comprehensive inpatient and outpatient benefits.
- Gertrude Junior: A low-cost children’s healthcare plan in partnership with Gertrude’s Children’s Hospital, offering inpatient and outpatient services at the hospital and its satellite clinics.
2. Critical & Severe Illness Insurance
This plan protects against the financial burden of treating serious illnesses, such as cancer and heart disease, covering associated medical costs.
3. Life Insurance
Life insurance plans provide financial security for loved ones in the event of the policyholder’s passing.
- Whole of Life: Pays a lump sum to beneficiaries upon the policyholder’s death.
- Accidental Death Cover: Provides a lump sum if the policyholder dies due to an accident within a specified period.
- Term Cover: Offers a lump sum for death from natural causes or accidents within a defined period.
- Rafiki Halisi Life Plan: A lifetime policy that pays a lump sum upon death, with a refund of half the contributions every five years.
- Jamii Funeral Plan: Covers funeral expenses for the policyholder or beneficiaries.
4. Education and Savings Plans
These plans support long-term savings for educational expenses with flexible investment options.
- Elimika Education Plan: An affordable savings plan starting at Ksh 2,500 monthly for up to 21 years, with staggered payments for school fees.
- Premier Education Plan: A flexible plan requiring a minimum of Ksh 7,000 monthly for 10 years, offering emergency funds and staggered payments for education.
5. Personal Accident Insurance
- MaxPac: A 24-hour cover for injuries, disability, or death due to accidents.
- Student MaxPac: Tailored for children aged 3 to 18, providing accident-related protection.
6. Motor Private Insurance
- Third-Party and Fire: Covers vehicle repairs or replacement due to fire or theft, plus third-party legal liability.
- Third-Party: Compensates for third-party legal liabilities.
- Comprehensive: Includes third-party bodily injury, death, property damage, and fire-related vehicle loss.
7. Home and Domestic Insurance
- Home Insurance: Protects homes and contents, covering medical expenses for domestic workers, legal liabilities, and loss of personal items like mobile phones and jewelry used outside the home.
- Makao Salama: A comprehensive policy covering property, personal effects, and liabilities, including common areas like swimming pools and perimeter walls, plus legal and medical expenses for domestic employees.
8. Travel Insurance
This policy safeguards against unforeseen travel issues, including medical emergencies, trip cancellations, lost luggage, legal obligations, and repatriation costs.
9. Golf Insurance
Covers accidents on golf courses or club premises, including unique scenarios like achieving a hole-in-one.
10. Disability and Loss Protection
Provides financial support for income loss due to accidental physical harm, aiding lifestyle adjustments.
11. Personal Savings Solutions
- Premier Savings Plan: Save Ksh 7,000 monthly, with the option to use savings as loan collateral.
- Max Investment: A long-term savings plan with life cover worth ten times the monthly contribution.
- Hakika Savings Plan: Offers savings with competitive loan interest rates.
- Rafiki Halisi Investment: Combines savings with life cover, ten times the contribution value.
12. Personal Pension Plan
A retirement savings plan requiring a minimum of Ksh 500 monthly, providing a lump sum upon retirement.
Business Insurance Products
1. Agricultural Insurance
- Livestock Insurance: Covers livestock losses due to accidents, natural disasters, diseases, theft, or emergency slaughter.
- Crop Insurance: Compensates for crop damage from hail, fire, drought, excessive rain, frost, flooding, lightning, and protects farm assets like greenhouses.
2. Group Credit Insurance
Covers outstanding loan amounts in cases of death, critical illness, or retrenchment.
3. Trade Credit Insurance
Protects businesses from non-payment risks in B2B transactions, ensuring financial stability.
4. Group Life Assurance
Compensates employees’ dependents for income loss due to death or disability until retirement or resignation.
5. Workplace Injury Insurance
- WIBA (Work Injury Benefits Act): Covers workplace-related injuries, disabilities, or death.
- Group Personal Accident: Protects employees against accidental injuries or disabilities, both at work and in daily life.
6. Corporate Insurance
- Corporate Health Insurance: Designed for companies with over 10 employees, offering comprehensive health coverage.
- SME Solution: Tailored health insurance for businesses with fewer than 10 employees.
7. Industrial Risk Insurance
Protects businesses against operational risks that could disrupt activities.
8. Specialty Insurance
Covers complex and high-value risks, including:
- Clinical Trials: Compensates for bodily injury claims by research participants during trials.
- Event Cancellation: Covers costs for canceled, postponed, or relocated events, with optional extensions for profits and liability.
- Bonds & Guarantees: Guarantees payment for bonds like bid, immigration, customs, or performance bonds.
- Kidnap & Ransom: Reimburses costs for ransom demands in high-risk areas.
- Prize Indemnity: Covers jackpot prizes in online or mobile-based competitions.
- Oil & Gas Projects: Protects against risks in drilling, servicing, and manufacturing phases.
- Engineering Mega Risks: Covers high-value construction projects like buildings, ports, or power plants.
9. Marine Cargo Insurance
Compensates for loss or damage to goods during transit by sea, air, rail, road, or registered post.
10. Political Violence and Terrorism Insurance
Protects businesses from physical damage due to politically motivated incidents.
11. Motor Vehicle and Fleet Insurance
- Motor Commercial: Offers third-party, third-party fire and theft, or comprehensive coverage for commercial vehicles.
- TruckSure: An enhanced commercial vehicle policy with additional benefits.
12. Business and Institutions Insurance
- Biasharasure Insurance Plan: Comprehensive coverage for businesses to focus on operations.
- Churches: Protects church properties against unforeseen risks.
- Schools: Safeguards educational institutions, covering dormitories, classrooms, and other facilities.
- Office: Covers office contents, documents, money, and public liability.
13. Umbrella Scheme
A retirement plan allowing employees to choose their retirement age and contribution rates, offering:
- Tax benefits on accumulated savings (up to Ksh 240,000 annually).
- No need for a board of trustees, simplifying administration.
- Up to 60% of pension savings usable as mortgage loan collateral.
UAP Old Mutual Insurance Branches in Kenya
UAP Old Mutual operates a wide network of branches to serve customers across Kenya:
- Head Office
- Location: UAP Old Mutual Tower, Upper Hill Road, Nairobi
- Contact: +254 711 065 777, +254 722 839 641, +254 733 518 345, +254 711 065 100, +254 711 065 800, +254 20 2850 800
- Kimathi Branch
- Location: Old Mutual Building, Ground Floor, Kimathi Street, Nairobi
- Contact: +254 711 065 800
- Queensway Branch
- Location: Queensway House, 3rd Floor, Kaunda Street, Nairobi
- Contact: +254 20 222 8070, +254 20 222 952
- Bishop Garden Branch
- Location: Bishops Garden Towers, Ground Floor, 1st Ngong Avenue, Nairobi
- Contact: +254 711 065 800
- Westlands Branch
- Location: Woodvale Place, 2nd Floor, Woodvale Groove Street, Nairobi
- Contact: +254 711 010 359
- Thika Branch
- Location: Twin Oak Plaza, Kwame Nkrumah Road, Thika
- Contact: +254 714 054 925
- Nyeri Branch
- Location: Sohan Plaza, Upper Ground Floor, Gakere Road, Nyeri
- Contact: +254 711 065 208
- Meru Branch
- Location: Twin Plaza, Ghana Road, Meru
- Contact: +254 719 865 878
- Machakos Branch
- Location: Ground Floor, Mutungoni Building, Syokimau Street, Machakos
- Contact: +254 4420 20011, +254 4420 21462
- Nakuru Branch
- Location: Prestige Plaza, Off Kenyatta Avenue, Nakuru
- Contact: +254 711 065 492
- Eldoret Branch
- Location: Imperial Court, 1st Floor, Nairobi/Uganda Highway, Eldoret
- Contact: +254 710 643 254
- Kisumu Branch
- Location: Tivoli Center, Jomo Kenyatta Avenue, Kisumu
- Contact: +254 711 065 070
- Kisii Branch
- Location: Ouru Complex, Kisii/Kisumu Road, Kisii
- Contact: +254 719 866 915
- Bungoma Branch
- Location: Cooperative House, Moi Avenue, Bungoma
- Contact: +254 719 865 897
- Mombasa Branch
- Location: Tea House, Ground Floor, Off Nyerere Avenue, behind SBM Bank, Mombasa
- Contact: +254 711 065 040
- Embu Branch
- Location: 1st Floor, Sparko Building, Kenyatta Highway, Embu
- Contact: +254 734 699 793
Notes:
- Product details and availability may vary. Contact UAP Old Mutual directly for personalized quotes or specific policy terms.
- Some plans, such as travel or specialty insurance, may have additional options or requirements based on individual or business needs.
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