Insurance Plans for Gig Workers in Kenya

Kenya's insurance market is East Africa's most developed, regulated by the IRA. Gig workers access health coverage through NHIF/SHIF and supplement with private insurance. Mobile-based insurance products are expanding access.

1. NHIF/SHIF — National Health Insurance

Government health coverage

Income-based contributions (KES 500-1,700/month). Covers hospitalization and outpatient at public and accredited private hospitals. Transitioning to SHIF under Social Health Authority.

Explore More:

NHIF: https://www.nhif.or.ke/

2. Private Health Insurance

Enhanced private hospital coverage

Major providers: Jubilee, Britam, CIC, AAR, Resolution. Premiums KES 20,000-100,000+/year. Access to Nairobi's private hospitals.

Explore More:

Jubilee Insurance: https://www.jubileeinsurance.com/

3. Life Insurance

Death benefit protection

Major providers: Jubilee Life, Britam Life, CIC Life, Sanlam Kenya. Term premiums from KES 3,000-8,000/year for KES 1-5 million. Essential where social safety nets are limited.

Explore More:

Sanlam Kenya: https://www.sanlam.co.ke/

4. Personal Accident Insurance

Accident coverage for active workers

Premiums from KES 2,000-10,000/year. Essential for Bolt/Uber drivers and boda boda operators given road conditions.

Explore More:

Britam: https://www.britam.com/

5. Motor Insurance

Mandatory and comprehensive

Third-party mandatory. Comprehensive adds own damage, theft. Boda boda insurance essential for delivery riders. Providers: Jubilee, Britam, CIC, APA.

Explore More:

APA Insurance: https://www.apa-insurance.org/

6. M-Insurance — Mobile-Based Products

Affordable digital insurance via M-Pesa

M-TIBA (health wallet), Linda Jamii (family health), Turaco (credit life). Premiums as low as KES 50-500/month. Leverages Kenya's mobile money infrastructure.

Explore More:

M-TIBA: https://www.m-tiba.com/

7. Professional Indemnity

Protection for tech freelancers

Covers professional negligence. Growing demand as Silicon Savannah tech sector expands. Available from major Kenyan insurers.

Explore More:

Jubilee: https://www.jubileeinsurance.com/

8. Property Insurance

Home and equipment protection

Covers fire, theft, natural disasters. Equipment coverage for computers and tools. Premiums KES 5,000-20,000/year.

Explore More:

CIC Insurance: https://www.cicinsurancegroup.com/

9. Travel Insurance

International travel coverage

Medical costs abroad devastating without coverage. Required for some visa applications. Major providers: Jubilee, APA.

Explore More:

Jubilee Travel: https://www.jubileeinsurance.com/

10. Group Insurance Through SACCOs

Discounted coverage via cooperatives

SACCOs negotiate group rates for health, life, accident. 20-40% less than individual plans. Stima, Mwalimu, Harambee SACCOs offer insurance benefits.

Explore More:

SASRA: https://www.sasra.go.ke/

Disclaimer: This guide is for informational purposes only. Always consult a licensed insurance advisor in Kenya for personalized recommendations. Links verified as of April 2026.