CIC Health Insurance Products: Complete Agent Guide
CIC Insurance Group started as a cooperative insurer. That heritage still shows in their approach — they're particularly strong in serving organized groups, SACCOs, and community-based organizations.
But they've grown well beyond that. Here's your complete guide to selling CIC health insurance.
Table of Contents
- CIC Insurance Overview
- CIC Health Product Portfolio
- CIC Medical: Individual & Family
- CIC Corporate Medical
- CIC SACCO Medical Scheme
- CIC Senior Care
- CIC Commission Structure
- CIC Hospital Network
- When to Sell CIC Health Insurance
- Selling CIC: Key Strategies
- CIC vs Competitors
- Handling Common Objections
- Getting Appointed with CIC
- Cross-Selling Opportunities
- The Bottom Line
- Next Steps
CIC Insurance Overview
CIC Insurance Group is one of Kenya's largest insurers, with roots in the cooperative movement. They're a composite insurer — offering life, general, and health insurance under one umbrella.
Key strengths:
- Strong SACCO and cooperative relationships
- Competitive group pricing
- Good regional presence
- Solid claims payment reputation
Where they're less competitive:
- Premium hospital network vs AAR
- Individual product variety
- Brand perception for high-end clients
CIC Health Product Portfolio
| Product | Target Market | Key Feature |
|---|---|---|
| CIC Medical | Individuals/Families | Standard medical cover |
| CIC Corporate Medical | Groups 10+ | Flexible employer schemes |
| CIC SACCO Medical | SACCOs | Group schemes for cooperatives |
| CIC Senior Care | Ages 55+ | Elderly-focused coverage |
CIC Medical: Individual & Family
CIC's individual health insurance offers straightforward coverage at competitive prices.
CIC Medical Plans
| Plan | Inpatient | Outpatient | Maternity | Premium (Individual) |
|---|---|---|---|---|
| Bronze | KES 500,000 | KES 30,000 | KES 50,000 | ~KES 30,000 |
| Silver | KES 1,000,000 | KES 50,000 | KES 80,000 | ~KES 45,000 |
| Gold | KES 2,000,000 | KES 80,000 | KES 120,000 | ~KES 70,000 |
| Platinum | KES 5,000,000 | KES 150,000 | KES 200,000 | ~KES 130,000 |
Actual premiums depend on age, location, medical history, and family size.
Benefits Included
Inpatient:
- Hospital accommodation
- Surgical procedures
- ICU care (typically sub-limited)
- Prescribed medications
- Doctor's fees
- Pre and post hospitalization
Outpatient:
- GP consultations
- Specialist referrals
- Laboratory tests
- Imaging (limits apply)
- Prescribed drugs
- Minor procedures
Maternity:
- Antenatal visits
- Delivery (normal and C-section)
- Postnatal care
- Complications coverage
Optional Add-Ons
| Add-On | Coverage Range | Premium Impact |
|---|---|---|
| Dental | KES 20,000–40,000 | +10–12% |
| Optical | KES 15,000–30,000 | +5–8% |
| Last expense | KES 50,000–100,000 | Flat addition |
CIC Corporate Medical
CIC shines in the corporate segment, particularly for medium-sized companies and organizations with cooperative backgrounds.
Corporate Scheme Features
| Feature | Standard | Premium | Executive |
|---|---|---|---|
| Minimum lives | 10 | 10 | 10 |
| Inpatient | KES 1.5M | KES 3M | KES 5M+ |
| Outpatient | KES 60,000 | KES 100,000 | KES 200,000 |
| Maternity | KES 100,000 | KES 150,000 | KES 250,000 |
| Dental | KES 25,000 | KES 40,000 | KES 60,000 |
| Optical | KES 20,000 | KES 30,000 | KES 50,000 |
Corporate Advantages
- SACCO expertise — If your client is a SACCO or cooperative, CIC understands their needs
- Flexible structure — Multiple tier options within one scheme
- Competitive pricing — Often 10–15% below premium brands for similar coverage
- HR support — Enrollment assistance and member education
- Wellness programs — Health screenings and education available
CIC SACCO Medical Scheme
This is CIC's specialty — serving SACCOs and their members.
How It Works
For the SACCO:
- Negotiate group rates for members
- Central administration
- Bulk premium collection
- Single contact point with CIC
For SACCO members:
- Access to group rates (lower than individual)
- Payroll deduction options
- Family coverage available
- SACCO-coordinated enrollment
SACCO Scheme Benefits
| Benefit | Coverage |
|---|---|
| Group discount | 15–25% below individual rates |
| Administration | SACCO handles enrollment |
| Payment | Often deducted from SACCO contributions |
| Claims | Can be SACCO-coordinated |
Sales opportunity: If you have relationships with SACCOs, CIC is a natural fit. They understand cooperative structures.
CIC Senior Care
One of CIC's differentiators — coverage for older Kenyans.
Senior Care Features
| Feature | Details |
|---|---|
| Entry age | 55–70 years |
| Renewal | Up to age 80 |
| Inpatient | KES 500,000–2,000,000 |
| Outpatient | Optional add-on |
| Pre-existing | Higher loading, but coverable |
| Premium range | KES 50,000–150,000/year |
Why this matters: Many insurers won't touch clients over 65. CIC provides an option for:
- Adult children wanting to cover aging parents
- Retirees seeking continued coverage
- Organizations covering retired staff
CIC Commission Structure
Health Insurance Commissions
| Product | First Year | Renewal |
|---|---|---|
| CIC Medical (Individual) | 20–24% | 14–18% |
| Corporate Medical | 12–18% | 8–12% |
| SACCO Schemes | 10–15% | 7–10% |
| Senior Care | 15–18% | 10–14% |
Notes:
- Commission on net premium
- SACCO schemes have lower commission due to volume
- Performance incentives available
Commission Example
SACCO scheme (50 members):
- Average premium: KES 40,000/member
- Total premium: KES 2,000,000
- First year (12%): KES 240,000
- Renewal (8%): KES 160,000
- 5-year retention: KES 880,000 from one SACCO
CIC Hospital Network
CIC has a respectable network, particularly strong in regional areas.
Nairobi Coverage
| Hospital Type | Examples | Access |
|---|---|---|
| Premium | Nairobi Hospital (limited), Karen | Co-pays may apply |
| Mid-tier | Mater, Metropolitan, Avenue | Good access |
| Community | Local hospitals | Full access |
Regional Strength
CIC has strong coverage in:
- Central Kenya
- Rift Valley
- Western Kenya
- Coast region
SACCO connection: Many SACCO members are upcountry. CIC's regional network serves them well.
When to Sell CIC Health Insurance
Ideal Clients
| Client Type | Why CIC Works |
|---|---|
| SACCOs and cooperatives | CIC specializes in this segment |
| Cost-conscious groups | Competitive pricing |
| Regional/upcountry clients | Good regional network |
| Older clients (55+) | Senior Care option |
| Medium-sized companies | Flexible corporate schemes |
Less Ideal For
| Client Type | Consider Instead |
|---|---|
| Premium hospital preference | AAR, Jubilee |
| Large multinationals | Jubilee, AAR (brand preference) |
| Individual wanting top-tier | AAR |
Selling CIC: Key Strategies
Strategy 1: The SACCO Play
If you have SACCO relationships, lead with CIC.
Approach:
- Meet SACCO management
- Explain group scheme benefits
- Present CIC's cooperative heritage
- Propose member-wide enrollment
- Handle central administration
Value proposition: "CIC started as a cooperative insurer. They understand how SACCOs work, and they offer pricing that reflects group buying power."
Strategy 2: The Price-Value Balance
For cost-conscious corporates:
Approach:
- Understand their budget constraints
- Show CIC pricing vs competitors
- Highlight similar coverage at lower cost
- Emphasize claims payment reliability
Script: "You can pay 15% more for the big brand name, or get equivalent coverage from CIC — an insurer with KES X billion in assets and Y% claims payment rate."
Strategy 3: Senior Cover Solution
For families needing elderly coverage:
Approach:
- Discuss aging parent needs
- Note that most insurers decline over 65
- Present CIC Senior Care as solution
- Show what's covered
Script: "Most insurers won't cover your parents at this age. CIC will. The premium is higher because of the risk, but at least they'll have coverage."
CIC vs Competitors
| Factor | CIC | AAR | Jubilee | APA |
|---|---|---|---|---|
| Price | ★★★★ | ★★★ | ★★★ | ★★★★★ |
| Network (Nairobi) | ★★★ | ★★★★★ | ★★★★★ | ★★★ |
| Network (Regional) | ★★★★ | ★★★★ | ★★★★★ | ★★★ |
| SACCO expertise | ★★★★★ | ★★★ | ★★★ | ★★★ |
| Senior coverage | ★★★★★ | ★★★ | ★★★ | ★★★★ |
| Corporate flex | ★★★★ | ★★★★ | ★★★★★ | ★★★★ |
Handling Common Objections
"I've never heard of CIC for health insurance"
"CIC is actually one of Kenya's largest insurers — they manage over KES X billion in assets. They're better known for motor and group insurance, but their health products are solid and competitively priced. Many SACCOs and cooperatives across Kenya use CIC for member health coverage."
"Will Nairobi Hospital accept CIC?"
"CIC has arrangements with most major hospitals, including Nairobi Hospital for certain benefit levels. Let me verify the exact access for your plan level. For most people, the covered facilities are more than sufficient."
"Why not just go with AAR?"
"AAR is excellent. But for similar coverage, you'll pay 10–15% more. If brand name is your priority, go with AAR. If getting the best value for your premium matters more, CIC delivers equivalent protection at a better price."
Getting Appointed with CIC
Requirements
- Valid IRA license
- KRA PIN certificate
- National ID
- Passport photos
- Bank details
- Business registration (for agencies)
Appointment Process
- Contact CIC agency department
- Submit documentation
- Complete product training
- Pass assessment
- Receive agent code
- Access CIC systems
Support Available
- Product training
- SACCO selling support
- Marketing materials
- Agent portal
- Regional office access
Cross-Selling Opportunities
CIC is a composite insurer. Start with health, expand to:
| Product | Cross-Sell Angle |
|---|---|
| Motor | "Let's also look at your car cover" |
| Life insurance | "Complete your family protection" |
| Group personal accident | "For your employees' safety" |
| Education policies | "Planning for children's education" |
The Bottom Line
CIC Health Insurance is ideal for:
- SACCOs and cooperatives
- Cost-conscious organizations
- Clients needing senior coverage
- Regional/upcountry clients
Their cooperative heritage shows in their approach — good value, solid service, and understanding of group dynamics.
Next Steps
- Get appointed with CIC Insurance
- Identify SACCOs in your network
- Learn the SACCO scheme structure
- Position CIC as value alternative to premium brands
- Use BimaSasa to compare CIC quotes
- Read: How to Sell Group Insurance to SMEs
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