APA Jamii Plus and Corporate Plans: Agent Guide
APA doesn't get as much buzz as Jubilee or AAR.
But quietly, they've built some of the most competitive health products in Kenya — especially for cost-conscious clients and SMEs looking for solid coverage without the premium price tag.
Here's your complete guide to selling APA health insurance.
Table of Contents
- APA Health Insurance Overview
- APA Health Products at a Glance
- Jamii Plus: The Core Individual Product
- APA Senior Citizen Health Insurance
- APA Commission Structure
- APA Hospital Network
- When to Sell APA vs Competitors
- Handling Common Client Questions
- Selling APA: Key Talking Points
- APA vs Competitors: Quick Comparison
- Getting Appointed with APA
- The Bottom Line
- Next Steps
APA Health Insurance Overview
APA Insurance is part of the Apollo Investments Group. They're known for motor and general insurance, but their health portfolio has grown significantly.
Key strengths:
- Competitive pricing
- Strong SME focus
- Good claims turnaround
- Growing hospital network
Where they're less competitive:
- Brand recognition vs Jubilee/AAR
- Smaller premium hospital network
- Less comprehensive chronic care programs
APA Health Products at a Glance
| Product | Target Market | Premium Range | Key Feature |
|---|---|---|---|
| Jamii Plus | Individuals/Families | KES 30,000–180,000/year | Affordable family cover |
| Corporate Health | SMEs (5+ lives) | From KES 25,000/life | Flexible benefit design |
| Senior Citizen | Ages 60–75 | KES 45,000–120,000/year | No upper age exit |
| Group Personal Accident | Corporates | Custom | Accident + disability |
Jamii Plus: The Core Individual Product
Jamii Plus is APA's flagship individual/family health plan. It's positioned as affordable coverage for the mass market.
Jamii Plus Tiers
| Tier | Inpatient Limit | Outpatient | Maternity | Annual Premium (Individual) |
|---|---|---|---|---|
| Bronze | KES 500,000 | KES 30,000 | KES 50,000 | ~KES 32,000 |
| Silver | KES 1,000,000 | KES 50,000 | KES 75,000 | ~KES 48,000 |
| Gold | KES 2,000,000 | KES 75,000 | KES 100,000 | ~KES 72,000 |
| Platinum | KES 5,000,000 | KES 100,000 | KES 150,000 | ~KES 120,000 |
Premiums are indicative — actual rates depend on age, family size, and pre-existing conditions.
What's Covered
Inpatient:
- Hospital accommodation
- Surgery and theatre fees
- ICU (usually sub-limited)
- Doctor's fees
- Nursing care
- Prescribed drugs
Outpatient:
- Consultations
- Diagnostic tests
- Prescribed medications
- Minor procedures
Maternity (if included):
- Antenatal visits
- Delivery (normal and C-section)
- Postnatal care
- Newborn cover for first 30 days
Key Exclusions
- Pre-existing conditions (12-month waiting period typical)
- Cosmetic procedures
- Infertility treatment
- Self-inflicted injuries
- Experimental treatments
APA Corporate Health Insurance
For SMEs with 5+ employees, APA Corporate Health offers flexibility that larger insurers often don't.
Why SMEs Like APA Corporate
- Lower minimum lives — Can start from 5 (some insurers require 10+)
- Flexible benefit design — Mix tiers within one policy
- Competitive group rates — 15-25% cheaper than individual rates
- Fast onboarding — Less bureaucracy than larger insurers
Corporate Health Structure
| Benefit Category | Standard | Enhanced | Executive |
|---|---|---|---|
| Inpatient limit | KES 1M | KES 3M | KES 5M |
| Outpatient limit | KES 50,000 | KES 100,000 | KES 150,000 |
| Maternity | KES 80,000 | KES 120,000 | KES 200,000 |
| Dental | Optional | KES 20,000 | KES 40,000 |
| Optical | Optional | KES 15,000 | KES 25,000 |
Employer Considerations
- Contribution split: Most do 100% employer or 70/30 split
- Waiting periods: Usually waived for groups 10+
- Family extension: Spouse + up to 4 children typical
- Pre-existing: More lenient loading for groups
APA Senior Citizen Health Insurance
A niche product that solves a real problem — many insurers won't cover anyone over 65.
Senior Citizen Plan Details
| Feature | Details |
|---|---|
| Entry age | 60–70 years |
| Renewal | Up to age 80 |
| Inpatient limits | KES 500,000–2,000,000 |
| Outpatient | Optional add-on |
| Pre-existing | Higher loading, but coverable |
| Premium range | KES 45,000–120,000/year |
Why this matters: When adult children want to cover aging parents, most insurers say no after age 65. APA says yes — at a price, but yes.
APA Commission Structure
Health Insurance Commissions
| Product | First Year | Renewals |
|---|---|---|
| Jamii Plus (Individual) | 20–25% | 15–20% |
| Corporate Health | 15–20% | 12–15% |
| Senior Citizen | 15–18% | 12–15% |
Notes:
- Commissions paid on net premium (after levies)
- Higher volumes may negotiate better rates
- Some products have bonus tiers for performance
Commission Example
Scenario: Sell a family Jamii Plus Silver plan
- Annual premium: KES 96,000 (2 adults + 2 kids)
- First year commission (22%): KES 21,120
- Renewal commission (17%): KES 16,320
- 5-year total (if retained): KES 86,400
APA Hospital Network
APA's network is growing but not as extensive as AAR or Jubilee.
Nairobi Coverage
| Hospital Type | Examples |
|---|---|
| Premium | Some access — often with co-pay |
| Mid-tier | Nairobi Hospital, Mater, St. Mary's |
| Community | Metropolitan, Avenue, Komarock |
Regional Coverage
Decent presence in:
- Mombasa
- Kisumu
- Nakuru
- Eldoret
Weaker in:
- Rural areas
- Smaller county hospitals
Network Considerations for Clients
When selling APA, always:
- Check if client's preferred hospital is in-network
- Verify specific benefit limits at that facility
- Clarify any co-pay requirements at premium hospitals
When to Sell APA vs Competitors
Sell APA When:
| Client Situation | Why APA Works |
|---|---|
| Price-sensitive individual | Lower premiums than AAR/Jubilee |
| SME with 5–20 employees | Flexible, less bureaucracy |
| Senior citizen (60+) | One of few who'll cover |
| Simple inpatient needs | Good basic coverage |
| First-time insurance buyer | Affordable entry point |
Consider Alternatives When:
| Client Situation | Better Option |
|---|---|
| Wants Nairobi Hospital level 1 access | AAR or Jubilee |
| Complex chronic conditions | Jubilee |
| International coverage needed | AAR, Jubilee, BUPA |
| Extensive outpatient needs | Compare with AAR |
Handling Common Client Questions
"Is APA reliable for claims?"
"APA has solid claims processing — typically 3–5 days for outpatient reimbursements and direct billing for in-network hospitals. They're not as fast as AAR, but they're consistent. For the price point, the service is good."
"Why haven't I heard of APA health insurance?"
"APA is better known for motor insurance, but their health products are growing fast. They focus more on competitive pricing than advertising. You get similar coverage to bigger names at 15–20% lower premiums."
"What about cashless treatment?"
"APA supports cashless treatment at all network hospitals. You just present your card and ID at admission. For non-network facilities, you pay and claim reimbursement within 3–5 working days."
Selling APA: Key Talking Points
For Individuals
- Value proposition: "Get solid coverage without overpaying for brand name"
- Jamii Plus tiers: "Start with Bronze, upgrade as income grows"
- Family flexibility: "Cover spouse and kids on one policy"
For SMEs
- Low barrier: "Only 5 employees minimum — perfect for small teams"
- Flexible design: "Different tiers for different staff levels"
- Cost control: "10–15% cheaper than big-name corporate plans"
For Seniors
- Unique access: "One of the few insurers that covers ages 60+"
- Peace of mind: "Your parents don't have to rely only on SHA"
- Renewal guarantee: "Coverage continues up to age 80"
APA vs Competitors: Quick Comparison
| Factor | APA | AAR | Jubilee |
|---|---|---|---|
| Price | ★★★★★ | ★★★ | ★★★ |
| Network size | ★★★ | ★★★★★ | ★★★★★ |
| Claims speed | ★★★★ | ★★★★★ | ★★★★ |
| Chronic care | ★★★ | ★★★★ | ★★★★★ |
| Senior coverage | ★★★★★ | ★★★ | ★★★ |
| Brand recognition | ★★★ | ★★★★★ | ★★★★★ |
Getting Appointed with APA
Requirements
- Valid IRA license (current certificate)
- Business registration (for agencies)
- KRA PIN certificate
- ID copy
- Passport photos
- Bank details for commission payment
Process
- Contact APA agency department
- Submit documentation
- Complete product training (usually 1–2 days)
- Receive agent code
- Access APA agent portal
Support Available
- Dedicated agency support team
- Product training sessions
- Marketing materials
- Digital quote tools
- Co-branded materials (for larger agencies)
The Bottom Line
APA health insurance is the right choice for:
- Price-conscious clients
- SMEs wanting flexibility
- Senior citizens
- First-time insurance buyers
It's not the flashiest option, but it delivers solid value. Master these products, and you'll have a solution for clients who say "Jubilee is too expensive."
Next Steps
- Get appointed with APA if you haven't already
- Learn the Jamii Plus tier differences
- Identify price-sensitive prospects in your pipeline
- Use BimaSasa to compare APA quotes against competitors
- Read: 10 Common Client Objections and How to Handle Them
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