Directline Assurance Health Products: Agent's Guide
Directline Assurance Company operates as a general insurer in Kenya with health products serving individual and group markets.
Here's what agents need to know.
Table of Contents
- Company Overview
- Health Products
- Coverage Options
- Target Markets
- Commission Structure
- Selling Strategies
- The Bottom Line
- Next Steps
Company Overview
Directline Assurance is a Kenyan general insurance company.
| Aspect | Details |
|---|---|
| Type | General insurer |
| Market position | Mid-tier |
| Focus | Motor, health, property |
| Strength | Competitive rates |
Health Products
Individual Products
| Product | Target |
|---|---|
| Directline Personal Medical | Individuals |
| Directline Family Health | Families |
Group Products
| Product | Target |
|---|---|
| Directline SME Health | Small businesses |
| Directline Corporate | Medium companies |
Coverage Options
Inpatient Benefits
| Tier | Annual Limit |
|---|---|
| Bronze | KES 500,000 |
| Silver | KES 1,000,000 |
| Gold | KES 2,000,000 |
| Platinum | KES 5,000,000 |
Outpatient Benefits
| Tier | Annual Limit |
|---|---|
| Bronze | KES 30,000 |
| Silver | KES 60,000 |
| Gold | KES 100,000 |
| Platinum | KES 150,000 |
Optional Add-Ons
| Benefit | Limit Range |
|---|---|
| Maternity | KES 60,000–120,000 |
| Dental | KES 20,000–40,000 |
| Optical | KES 15,000–30,000 |
Target Markets
Best-Fit Clients
| Client Profile | Why Directline |
|---|---|
| Price-conscious buyers | Competitive rates |
| SMEs (5–30 lives) | Flexible group options |
| Value seekers | Good coverage/price |
Commission Structure
| Product | Commission |
|---|---|
| Individual | 15–18% |
| Group | 10–15% |
| Renewals | 5–8% |
Selling Strategies
Positioning
| Message | How |
|---|---|
| Value-focused | "Get good coverage at fair price" |
| Responsive | "Personal service matters" |
| Flexible | "Solutions tailored to needs" |
The Bottom Line
Directline suits budget-conscious clients who want solid coverage without premium pricing.
Next Steps
- Request current Directline rates
- Identify price-sensitive prospects
- Compare against alternatives
- Use: BimaSasa Quote Comparison Tool
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