APA Insurance Products, Contacts, Policies, Benefits

Here is a factual guide to help you understand the APA Insurance company in Kenya products and services offered.

To begin with, APA company has a wider presence in the country. Depending on which county you are in, you may be interested to know the company contacts. Easy locate and find APA Insurance contacts and branches in Kenya here.

The insurance company offers diverse products. In general, the APA Insurance products are grouped into 3 main categories that include:

Personal Cover
Life Cover
Health Cover

1. APA Insurance Personal Cover Products

Several categories of personal covers is offered by APA Insurance. They include:

Enhanced Personal Accident

The package is commonly referred to as Flexpac. It covers accidental death or disability to the insured. The policy compensates the insured legal representatives as a specified in the policy schedule This policy only applies to members from 15 years- 65 years and is suitable for individuals and groups.

The policy also offers a Student Personal Accident Cover to individuals, groups and schools at an affordable premium charge. The policy also provides special group covers for work related illnesses.

Personal Accident

Covers accidental death or disability to the insured. The policy compensates the insured legal representatives as specified in the policy schedule This policy only applies to members from 15 years- 65 years and is suitable for individuals and groups.

The policy also offers a Student Personal Accident Cover to individuals, groups and schools at an affordable premium charge. The policy also provides special group covers for work related illnesses.

Motor Private Insurance

Covers the insured motor vehicle against fire, theft, expenses from accidents including third party liabilities. The main products include;

Third Party and Theft
Comprehensive
BiMA BAMBA
Named Driver
ThirdParty

Motor insurance cover benefits include compensation cover for

Entertainment system cover.
Theft/partial theft cover.
Accidental impact damage including overturning and collision.
Third party property damage and body injury
Emergency medical expense cover.
Accidental fire damage.
Windscreen cover.
Political Violence & Terrorism cover.
Courtesy car/ loss of use cover.Bodily injury.
Property damage.
Theft cover as a result of your vehicle being stolen
Accidental Fire damaging your vehicle

Home Insurance

The cover is also referred as domestic package. The policy suitable for homeowners and covers against accidental loss or damage of property due to fire and lighting, explosion, theft riot and strike, malicious damage, earthquake, storms and tempest, overflow of water from pipes, tanks, apparatus and other sources, Impact from animals, motor vehicle falling objects from aircraft and aerial devices.

Main products include;

Building Section
WIBA Section
All Risk Section
Owners’/Occupiers, Liability Section

Travel Insurance

The cover is provided under Globetrotter Trave Cover which provides security for unexpected emergency during travel outside country whether for leisure or business. The cover caters for local and international risk hazards around the world within 180 days, from the time of departure from your residence until return period.

Members are Guaranteed

Emergency medical treatment
24hr emergency assistance
Rescue Evacuations in case of accident or illnesses

Eligible members include

Traver in /out of Kenya
Anybody between 6 moths-80 years
People on business trips
Tourists in Kenya

Pet cover

The policy covers the insured animals against death or loss due to accident, epidemics, disease or euthanasia as c advised by a vet. Any animal reared other than for economic purposes is but for the owner’s comfort is eligible for cover.ie dogs, cat, rabbit etc.

Optional benefit

The policy covers medical expenses due to accident of in case of illnesses by a qualified vet.

Compensation may be denied in case:

The pet dies of a widespread infectious animal disease.
The pet is put to sleep as advised by vet
The pet dies from lightning, Windstorm, Snakebite, Floods, electrocution,
The pet leaves home and cannot be traced
The pet dies due to Illness or disease.
internal and external injuries.

Golfers Cover

The policy covers the members and their equipment from damage, accidents loss and theft.

Main Products include;

Section I-Golfing Equipment
Section II-Personal Effects
Section III -Third Party Liability
Section IV -Personal Accident
Section V Hole-in-one

2. APA Insurance Life Cover Products

Life cover is a long term cover you intent to use in future. APA Insurance life cover products include:

a. Anticipated Savings (Akiba Halisi)

Akiba Halisi enables a member save funds for a period of time to allow them meet their financial needs. Akiba member is allowed to access to their funds when need be.

The product Determines premiums by;

Life assured age
Terms of the policy
Level of cover selected
Frequency of premium payment

The products terms are;

Premiums are payable for the policy term chosen until death of life assured
Terms ranges are; 6,9,12,18 or 20 years.

b. Fixed Saving Plan (Imarika)

The policy provides a member with favorable saving plan to build funds from over a period of time without withdrawals. In case of early death provisions are made by the policy.

The policy allows members aged between 18 years- 65 years and an etension of up to 70 years.

The product determines premiums by;

Life assured age
Terms of the policy
Level of cover selected
Frequency of premium payment

The products terms are;

Premiums are payable for the policy term chosen until death of life assured
Terms ranges are; 6,9,12,18 or 20 years.

c. Hospitalization, Loss Of Income (HosiCare)

Hospital Cash Insurance compensates a member for loss of income due to hospitalization. The policy pays the member from three days of admission to 15 days maximum per admission and 52 days per year maximum.

HosiCare pays Ksh.1000 per 24hrs of admission. Product premiums are single premium rate for all ages and are paid monthly or annually for a policy term of 5 years.

d. Education Plan (APA Elimu)

APA Elimu enables the parent or guardian to accumulate funds over a period of time to cater for their children’s education needs even in case of sudden demise of the parent /guardian. Eligible members ‘age can be between 18- 65 years and 70 years at most.

The products terms,

Can range from 5-20 years
The premiums are payable for the products selected until maturity or demise of the

e. Funeral Expense Cover (Pumzisha)

Pumzisha caters for funeral expenses including; Hearse, casket cost, mortuary fees, Funeral program, flowers, refreshments and other costs. The policy term ranges from 5-10years.

The premiums are paid on a monthly or annul basis, extra premiums are charged on for any additional member, Premiums are paid to term or in case of sudden death. The premiums are based on age brackets, including; 18-23 years, 24-29 years, 30-34 years and so on.

f. Individual Pension Plan (IPP)

IPP is a long-term investment plan that allows a member to build a sizable fund. The invested money inn a member’s working years are payable at retirement.

Benefits

Investments risk borne by APA thus no risk to member.
Flexibility of contribution and withdrawal.
Offers no costs of joining or administering the fund.
Offers Bonus returns in addition to guaranteed interest.
Collateral for mortgage on up to 60% of member’s fund.

g. Life Cover (Term Assurance)

The policy covers an individual’s whole life and provides inheritance to dependents and it has a term of up to 20 years or as chosen by the member.

Members cover can be between 18years-70 years and a maximum of 75 years. The policy term ranges from 5-20 years and premiums are paid to term or to demise of the member.

The products premiums are determined by;

Term of policy
Life assured’s age
Frequency of premium payment
Level of cover selected

Benefits

Waiver of Premiums
Total & Permanent Disability
Accidental Death Benefit
Accident hospitalization Benefit
Retrenchment Rider

h. Mortgage Protection

The policy Offers mortgage services on annual basis for lenders to protect them and their families against their homes being sold in case of death. The policy can be provided a renewable or single premium. The cover has same benefits as Credit Life.

3. APA Insurance Health Cover Products

APA Insurance health cover products’ provides members and dependents’ health with several affordable cover packages. A detailed article of APA Insurance medical cover, rates/cost, and hospitals is ready.

However, here is an overview of APA health insurance cover products which include:

Famiy Health Cover (Afya Nafuu)

The policy covers for all family members with a restriction of age limit of 38 weeks- 80 years.

Products offered include;

Inpatient cover- main cover
Personal Accident Benefit Cover.
Illness or disease.
Personal Accident Benefit Cover.

Eligible members

Children aged from 1 month-17 years
Adults aged between 18-75 years

Enhanced Family Heath Cover (Jamii Plus)

The policy caters for pre-existing conditions, congenial, chronic, HIV/AIDS-related conditions, organ transplant, cancer treatment, lodger fee surgeries and many others.

Jamii plus caters for

Bed charges
Diagnostics
Medication
Medication
Doctor’s Fee