https://bimasasa.co.ke Compare health insurance quotes from 40+ Kenyan underwriters instantly. Generate professional medical quotes, track commissions, and serve clients faster with AI-powered recommendations. Start a 14-day free trial, no credit card required. Sat, 03 Oct 2026 11:18:08 GMT https://validator.w3.org/feed/docs/rss2.html https://github.com/jpmonette/feed en 2026 https://bimasasa.co.ke/blog/how-to-become-insurance-agent-kenya https://bimasasa.co.ke/blog/how-to-become-insurance-agent-kenya Sun, 25 Jan 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/best-health-insurance-kenya-2025 https://bimasasa.co.ke/blog/best-health-insurance-kenya-2025 Wed, 28 Jan 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/nhif-vs-private-health-insurance-kenya https://bimasasa.co.ke/blog/nhif-vs-private-health-insurance-kenya Sun, 01 Feb 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/insurance-agent-commission-rates-kenya https://bimasasa.co.ke/blog/insurance-agent-commission-rates-kenya Wed, 04 Feb 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/family-health-insurance-kenya https://bimasasa.co.ke/blog/family-health-insurance-kenya Sun, 08 Feb 2026 00:00:00 GMT a premium plan you'll cancel. 5. What are the sub-limits? Every plan has limits on specific things: Surgery: KES 500,000 max ICU: KES 30,000/day Outpatient: KES 100,000/year Read the fine print. Warning sign graphic showing the 5 hidden costs with alert icons Best Family Health Insurers in Kenya Based on hospital network, claims, and value: Top Pick for Most Families: Jubilee Health Insurance — Best maternity cover, solid network, reliable Best for Budget-Conscious Families: Britam Health — Affordable, growing network, good value Best for Maximum Hospital Choice: AAR Insurance — Largest network, fast approvals, premium pricing Best for Transparency: Resolution Health — Clear pricing, great customer portal, specialist focus No insurer is perfect. Pick based on your priorities. The Hidden Costs Nobody Warns You About 1. Age-Based Premium Hikes Your premium goes up as you (and your spouse) get older. Expect 10-15% annual increases. 2. Co-Payments Some plans make you pay 10-20% of every bill. Check before buying. 3. Pre-Existing Condition Waiting Periods If someone in your family has diabetes, hypertension, etc., expect 1-2 year waiting periods. 4. Renewal Rejections If you make too many claims, insurers can refuse to renew. Rare, but it happens. 5. Geographic Restrictions Some cheaper plans only work in Nairobi/major cities. If you live upcountry, verify coverage. Piggy bank graphic with money-saving tips listed around it Common Mistakes Families Make Mistake 1: Buying Individual Policies Instead of Family Plans You'll pay 30-50% more. Always ask for family rates. Mistake 2: Adding Maternity AFTER Getting Pregnant Won't work. Maternity has 10-12 month waiting periods. Mistake 3: Only Covering Inpatient Kids get sick. A lot. Outpatient cover pays for itself if you have young kids. Mistake 4: Not Reading Exclusions Cosmetic surgery? Not covered. Sports injuries? Maybe not covered. Check. Mistake 5: Letting Policies Lapse Miss one payment, lose your cover. Set up auto-renewals. How to Save Money on Family Health Insurance 1. Pay Annually Saves 5-10% vs. monthly payments. 2. Skip Unnecessary Add-Ons Dental, optical, travel cover — only add if you'll actually use them. 3. Choose Higher Co-Payments Agree to pay 10-20% of bills yourself. Premium drops 15-25%. 4. Start Young Premiums are based on age. Lock in low rates early. 5. Compare Multiple Quotes Use a comparison tool. You'll find the same cover for 20-30% less. Piggy bank graphic with money-saving tips listed around it What to Do When You Need to Use Your Insurance Step 1: Check If Your Hospital Is Covered Call your insurer's hotline or check their app. Step 2: Get Pre-Authorization (for planned treatments) For surgeries, maternity, etc., inform your insurer 48-72 hours ahead. Step 3: Present Your Insurance Card At hospital reception. They'll verify directly with the insurer. Step 4: Track Your Claim Most insurers have online portals. Monitor approval status. Step 5: Pay Any Co-Payments or Excluded Items Like ambulance fees, private room upgrades, etc. When to Add Extended Family (Parents) Adding parents to your family plan costs extra. It makes sense if: They're under 65 (premiums skyrocket after that) They're healthy (pre-existing conditions = high premiums) You're already buying a family plan (bundling saves money) It doesn't make sense if: They're over 70 (better to get senior-specific plans) They have multiple chronic illnesses (individual plans might be better) Your employer covers them separately Should You Get SHA + Private Insurance? SHA (Social Health Authority) is mandatory. Everyone pays through payroll deductions. But SHA only covers: Public hospitals Basic care Long queues Shared wards Private insurance adds: Private hospitals Fast service Private rooms Specialist access Bottom line: You need both. SHA as your base. Private insurance as your upgrade. How to Compare Family Insurance Quotes (in 5 Minutes) Don't call 10 different agents. Use a comparison tool like BimaSasa. You'll see: Side-by-side coverage Pricing from multiple insurers Hospital networks Real terms & conditions Takes 5 minutes. Saves you KES 10,000 - 30,000/year. Red Flags to Watch Out For 1. "This plan covers absolutely everything" No it doesn't. Every plan has exclusions. 2. "Pay now or lose this discount" Pressure tactics. Walk away. 3. "We'll handle your claims directly" Claims go through insurers, not agents. This is a lie. 4. "No medical exams needed" True for most plans. But pre-existing conditions still have waiting periods. If an agent uses these lines, find another agent. Is Family Health Insurance Worth It? Let's do the math. Scenario 1: No Insurance Appendectomy: KES 180,000 Normal delivery: KES 120,000 ICU (3 days): KES 150,000 Total potential cost: KES 450,000+ Scenario 2: Family Insurance Annual premium: KES 70,000 Out-of-pocket (co-payments): KES 10,000 Total cost: KES 80,000 You save: KES 370,000 And that's just one incident. Next Steps List your must-have hospitals Decide: inpatient-only or inpatient + outpatient? Set your budget Get 3+ quotes from different insurers Compare coverage, not just price Buy before someone gets sick Don't wait for a medical emergency to think about insurance. By then, it's too late. ]]> support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/how-to-sell-health-insurance-kenya https://bimasasa.co.ke/blog/how-to-sell-health-insurance-kenya Wed, 11 Feb 2026 00:00:00 GMT intensity. Final Thoughts Selling health insurance isn't about being pushy. It's about: Finding people who need it Showing them why they need it NOW Making it easy to buy Do those three things well, and you'll never struggle to hit quota. And if you want to make it even easier? Use tools that compare quotes, automate follow-ups, and close deals faster. Because the agents who win aren't just good at selling. They're good at systems. ]]> support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/health-insurance-cost-kenya https://bimasasa.co.ke/blog/health-insurance-cost-kenya Sun, 15 Feb 2026 00:00:00 GMT no coverage. Next Steps Figure out your budget (3-5% of annual income) Decide what you need (inpatient-only vs full package) Get 3-5 quotes from different insurers Compare coverage, not just price Buy before you get sick Health insurance isn't cheap. But a medical emergency without insurance? That's expensive. ]]> support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/ira-licensing-requirements-kenya https://bimasasa.co.ke/blog/ira-licensing-requirements-kenya Wed, 18 Feb 2026 00:00:00 GMT "Agent Registration" Create an account with: Email Phone number ID number Step 5: Fill Out the Online Application Log into the IRA portal. Fill in: Personal details Educational background Professional qualifications Employer/appointing company details Step 6: Upload All Documents Upload clear, legible scans of: ID KRA PIN Certificate of Good Conduct Professional certificate Appointment letter Photo CV File formats: PDF or JPEG Max file size: 2MB per document Step 7: Pay Application Fee Cost: KES 1,000 Payment methods: M-Pesa Bank transfer Credit/debit card You'll get a payment reference number. Step 8: Submit Application Review everything. Click "Submit." You'll get a confirmation email with your application reference number. Keep this number. You'll need it to track your application. Step-by-step flowchart showing the 8 steps from exams to submission How Long Does Approval Take? Official timeline: 14-21 working days Reality: 10-30 days What IRA does during this time: Verifies your documents Confirms your professional qualifications Checks your police clearance Validates your appointment letter If anything is wrong, they'll email you. Fix it fast. Delays reset the clock. What Happens After Approval? You'll get an email: "Your application has been approved." Step 9: Confirm Your Payment Went Through There's no second, bigger licence fee today. The KES 1,000 you paid in Step 7 is the registration fee for the year. Check the portal shows it as paid. A payment that didn't reflect is the most common reason an approved application stalls. Step 10: Collect Your License Certificate Options: Download from IRA portal (digital copy) Pick up at IRA offices (Nairobi, Hospital Road) Request courier delivery (additional fee) Your license includes: Your name License number Type of insurance (life, general, or both) Appointing company Expiry date Frame it. Clients will ask to see it. Sample IRA license certificate showing key details like name, license number, and expiry date Annual License Renewal Your registration lasts one year. You renew it every year. The deadline is 30 September. Renew on or before 30 September each year. | Item | Amount | | -------------------- | --------- | | Renewal fee | KES 1,000 | | Late renewal penalty | KES 1,000 | Heads up: the draft Insurance Regulations 2025 propose raising the annual agent fee to KES 10,000. That's a proposal, not law. If it's gazetted, the renewal fee changes with it. Check the portal for the current amount before you pay. How to Renew Log into the IRA portal with your existing account. Forgot the password? Reset it with your registered email. Check your details first. Phone, email, address, appointing insurer. Out-of-date details slow everything down. Fill in the renewal application. It's the same agent registration form, marked as a renewal. Pay KES 1,000 via M-Pesa or bank. Save the receipt. Download your renewed certificate once it's approved, and send a copy to your insurer. Common Renewal Problems "My payment isn't showing." Give it a day or two. Still missing? Email IRA with your receipt. "My account is locked." Usually after too many failed logins. Call IRA. "My photo was rejected." Passport-style, white background, recent. No filters. Set a Reminder 1 September: Log in. Check your details. Confirm your appointment is still current. By 15 September: Pay and submit. After approval: Download the certificate. Send it to your insurer. Portals get busy right before a deadline. Don't leave it to the 30th. Miss it, and you pay the KES 1,000 penalty on top. Don't write new business on a lapsed registration. How Much Does It Cost (Total)? Let's add it up: | Item | Cost | |------|------| | COP training and exam | Check the College of Insurance's current fees | | Certificate of Good Conduct | KES 1,050 | | IRA Registration Fee | KES 1,000 | | Miscellaneous (photocopies, transport, etc.) | KES 2,000 - 5,000 | | TOTAL (First Year, excluding COP) | KES 4,050 - 7,050 | Subsequent years: KES 1,000 (renewal, by 30 September) Most of the cost is the exam. Once you pass, licensing is cheap. Common Mistakes That Get Applications Rejected Mistake 1: Applying Before Passing Exams You MUST have your professional certificate first. Mistake 2: No Appointment Letter You need a company to appoint you before applying. Mistake 3: Expired Police Clearance Must be dated within 6 months of application. Mistake 4: Poor Quality Document Scans Blurry, unreadable scans = automatic rejection. Mistake 5: Wrong Payment Amount The registration fee is KES 1,000. Check the portal for the current amount before you pay. Mistake 6: Incomplete CV Include everything: education, work history, contact info. What If Your Application Gets Rejected? Don't panic. IRA will email you the reason. Common rejection reasons: Missing documents Invalid professional certificate Expired police clearance Discrepancies in information What to do: Fix the issue Resubmit Pay application fee again (KES 1,000) Timeline: 7-14 days after resubmission Can You Sell Insurance Before Getting Your License? No. It's an offence under the Insurance Act to act as an insurance agent without being registered. Don't risk it. Wait for your license. IRA License vs. Company Appointment: What's the Difference? IRA License: Issued by the government (IRA) Allows you to legally sell insurance in Kenya Required by law Company Appointment: Issued by an insurance company (Jubilee, Britam, etc.) Allows you to sell that company's products Required to get commissions You need BOTH. License = legal permission Appointment = who you're selling for Venn diagram showing the relationship between IRA license and company appointment How to Get Your First Company Appointment Before you can apply for an IRA license, you need an appointment letter. How to get it: Step 1: Pick Your Insurance Companies Choose 1-3 companies you want to sell for. Top options: Jubilee Britam AAR Madison CIC Step 2: Apply Directly Go to their website or head office. Submit: CV ID copy Professional certificate copy Step 3: Attend Interview They'll assess: Your qualifications Your sales potential Your professionalism Step 4: Get Appointment Letter If approved, they'll issue an official appointment letter. This letter is what you submit to IRA. Can You Work for Multiple Insurance Companies? Yes, if you're a broker. But that requires a broker license, not an agent license. Agent license: Tied to 1-2 companies Easier to get Lower requirements Broker license: Independent Sell for any company Requires KES 1 million professional indemnity insurance More complex application Start with an agent license. Upgrade to broker later if needed. What Does "Fit and Proper" Mean? IRA uses the "fit and proper person" test. They check: No fraud convictions No bankruptcy No history of license revocation Sound mental health Financial stability How they verify: Police clearance (criminal record) Credit reference bureau check (if applicable) Professional history If you've got a clean record, you're fine. CPD Requirements (Continuing Professional Development) Once licensed, plan on regular CPD training. What it covers: Insurance regulations Ethics Product knowledge Where to get CPD training: Insurance Institute of Kenya (IIK) Insurance companies (they often host free CPD sessions) Online webinars Cost: Free to KES 5,000/session Ask your insurer what they expect from you. Many run free sessions for their agents. CPD training certificate template showing CPD completion with IRA approval stamp IRA Office Locations (In Case You Need to Visit) Main Office: Insurance Regulatory Authority Zep-Re Place, Hospital Road Nairobi Contact: Phone: +254 20 499 8000 Email: info@ira.go.ke Website: www.ira.go.ke Walk-in hours: Monday-Friday, 8:00 AM - 5:00 PM Most things are online now. But if your application has issues, a physical visit helps. FAQs Q: Can I apply without a company appointment? No. You need an appointment letter from an insurer. Q: How long is the license valid? One year. Renew on or before 30 September each year. Q: How much is the renewal? KES 1,000, with a KES 1,000 penalty if you're late. Q: Can foreigners get an IRA license? Yes, if you have a valid work permit. Q: What if I change companies? Notify IRA within 30 days. No extra fee. Q: Can I sell both life and general insurance? Yes, if you have qualifications for both and your company appoints you for both. Q: What if my professional certificate is from outside Kenya? IRA must verify it. Submit for equivalence assessment. Next Steps Pass the COP exam (or get exempted) Get appointed by an insurance company Gather all 8 required documents Apply online via the IRA portal Pay KES 1,000 application fee Wait 14-21 days for approval Renew every year by 30 September Start selling legally Don't overthink it. The process is straightforward. Just follow the checklist. And once you're licensed? You're in business. ]]> support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/corporate-health-insurance-kenya https://bimasasa.co.ke/blog/corporate-health-insurance-kenya Sun, 22 Feb 2026 00:00:00 GMT job posting without. 3. Reduce Absenteeism Healthy employees = fewer sick days. Studies show insured employees take 25-40% fewer sick days. 4. Boost Employee Morale Employees who feel cared for work harder. Simple as that. 5. Retain Your Team It costs 3-5x more to hire a replacement than to keep an employee. Health insurance is retention insurance. Kenya corporate health insurance benefits diagram How to Choose the Right Corporate Health Insurance Plan Ask yourself these questions: Question 1: What's Your Budget? Be realistic. Don't over-stretch. Rule of thumb: Budget 3-5% of total payroll for health insurance. Question 2: What Do Your Employees Need? Survey them. Ask: Preferred hospitals? Need outpatient? Maternity cover necessary? Dental/optical important? Question 3: Inpatient Only or Full Package? Inpatient only: Cheaper, covers emergencies Full package: More expensive, covers everything For office workers, inpatient + outpatient is standard. Question 4: Cover Dependents? Covering spouses and kids costs 40-60% more per employee. But it's a massive retention tool. Question 5: What Hospital Network? Check if major hospitals are included: Nairobi Hospital Aga Khan Hospital MP Shah Hospital Mater Hospital Kenyatta Hospital Best Corporate Health Insurance Providers in Kenya Based on network, claims, and value: 1. AAR Insurance Best for: Large companies (50+ employees) Network: 500+ hospitals Strengths: Largest network, fast claims, excellent service Weakness: Premium pricing 2. Jubilee Health Insurance Best for: SMEs planning growth Network: 400+ hospitals Strengths: Great maternity cover, competitive pricing Weakness: Slower pre-authorization 3. Britam Health Best for: Budget-conscious businesses Network: 300+ hospitals Strengths: Affordable, growing network Weakness: Smaller network than AAR/Jubilee 4. CIC Insurance Best for: Businesses wanting bundled insurance (health + other) Network: 350+ hospitals Strengths: Bundling discounts, corporate focus Weakness: Customer service inconsistent 5. Resolution Health Best for: Transparent, tech-savvy companies Network: 250+ hospitals Strengths: Clear pricing, excellent portal, specialist health insurer Weakness: Smaller network Kenya corporate health insurance comparison diagram How to Set Up Corporate Health Insurance (Step-by-Step) Step 1: Get Quotes from 3-5 Insurers Don't accept the first quote. Submit: Number of employees Age breakdown Desired coverage (inpatient/outpatient/maternity) Preferred hospitals Step 2: Compare Quotes Look at: Cost per employee Coverage details Hospital network Exclusions Claim process Step 3: Negotiate Everything is negotiable: Premium rates Payment terms Renewal conditions Waiting periods Insurers want corporate clients. Use that leverage. Step 4: Get Board/Management Approval Present: Cost-benefit analysis Tax savings Employee retention benefits Step 5: Provide Employee Data Submit to chosen insurer: Full names ID numbers Dates of birth Dependent details (if applicable) Step 6: Sign the Policy Review terms carefully. Check: Coverage start date Renewal date Premium payment schedule Claim procedures Step 7: Distribute Insurance Cards Employees get: Physical insurance cards Digital cards (app/portal access) Summary of benefits Step 8: Conduct Employee Orientation Explain: What's covered How to use the insurance Claim process Approved hospitals Timeline: 2-4 weeks from start to coverage activation. Premium Payment Options Most insurers offer: Option 1: Annual Payment Pros: 5-10% discount One payment, done Cons: Big cash outlay Option 2: Semi-Annual Pros: Smaller payments Still get 3-5% discount Cons: Two payments to manage Option 3: Quarterly Pros: Easier cash flow management Minimal discount (2-3%) Cons: Four payments/year Option 4: Monthly Pros: Best for cash flow Spread the cost Cons: No discount 12 payments to track Most SMEs choose quarterly or semi-annual. Adding New Employees Within first 30 days of employment: Free addition. No medical underwriting. After 30 days: May require: Medical questionnaire Possible waiting periods for pre-existing conditions Additional premium Pro tip: Add employees immediately upon hiring. Handling Employee Exits When an employee leaves: Notify insurer within 30 days Stop their coverage Get pro-rated refund (if applicable) Can the employee convert to individual cover? Some insurers offer continuation options: Employee buys individual policy (at higher rate) No waiting periods Maintains coverage continuity Ask about this when choosing an insurer. Annual Renewal: What to Expect Renewal happens every 12 months. What changes: Premium increases (expect 10-20% annually) Based on claims history Age of workforce Medical inflation Coverage adjustments (if needed) Add/remove benefits Change hospital network Employee updates Add new hires Remove exits Update dependents Renewal timeline: Insurer contacts you 60 days before expiry. Negotiation tip: Get competing quotes during renewal. Use them as leverage. What If Claims Are High? High claims = higher renewal premiums. Strategies to manage: Strategy 1: Wellness Programs Prevent illness through: Annual health screenings Gym memberships Mental health support Nutrition education Healthier employees = fewer claims = lower premiums. Strategy 2: Introduce Co-Payments Employees pay 10-20% of claims. Reduces frivolous usage. Lowers premiums by 15-25%. Strategy 3: Increase Deductibles Company pays first KES 5,000-10,000 of each claim. Lowers premiums by 10-15%. Strategy 4: Switch Insurers If renewals are unreasonable, shop around. Tax Benefits Explained Corporate health insurance is 100% tax deductible. How it works: Example: Annual revenue: KES 10,000,000 Payroll: KES 4,000,000 Health insurance premium: KES 600,000 Other expenses: KES 3,000,000 Taxable income calculation: Revenue: KES 10,000,000 Less: Payroll (KES 4,000,000) Less: Insurance (KES 600,000) Less: Other expenses (KES 3,000,000) Taxable income: KES 2,400,000 Tax savings: Without insurance deduction: KES 900,000 tax (30% of KES 3,000,000) With insurance deduction: KES 720,000 tax (30% of KES 2,400,000) Savings: KES 180,000 Real cost of insurance: KES 420,000 (KES 600,000 - KES 180,000 tax savings) Common Mistakes Businesses Make Mistake 1: Choosing Cheapest Option Low premium often = limited network + high co-payments. Mistake 2: Not Covering Outpatient Employees end up paying out of pocket for doctor visits. Defeats the purpose. Mistake 3: Forgetting About Renewals Policies lapse. Employees lose coverage. Bad for morale. Mistake 4: Not Communicating Benefits Employees don't know what they have. Can't appreciate it. Mistake 5: No Wellness Program High claims year after year = skyrocketing premiums. How to Communicate Benefits to Employees Don't just hand out cards. Do this: Step 1: Benefits Orientation Host a 30-minute session Explain coverage Show how to use insurance Answer questions Step 2: Provide Summary Booklet Simple, 2-page summary What's covered Approved hospitals Emergency contacts Step 3: Regular Reminders Quarterly emails Claim submission tips Wellness program updates Step 4: Celebrate the Benefit "Your company cares" messaging Share how insurance helped employees Make employees feel the value. Should You Cover Dependents? Pros: Massive retention tool Employees feel truly cared for Competitive advantage Cons: Increases cost by 40-60% per employee More admin work When it makes sense: You can afford it You're competing for top talent Employee retention is critical When to skip: Tight budget High employee turnover Most employees are young/single Alternative: Employee Contribution Plans Can't afford to pay 100%? Try a shared cost model: Option 1: 70/30 Split Company pays 70% Employee pays 30% Option 2: Tiered Contribution Company pays 100% for employee Employee pays 50% for dependents Option 3: Cafeteria Plan Company provides basic inpatient Employees can upgrade (at their cost) Still better than no insurance. What About SHA (Social Health Authority)? SHA is mandatory. All employees contribute 2.75% of gross salary. But SHA only covers: Public hospitals Basic care Shared wards Private insurance covers: Private hospitals Fast service Private rooms Specialist care Bottom line: SHA is the base. Private insurance is the upgrade. Offer both. Employees need both. For Agents: Selling Group Cover to SMEs SMEs are the sweet spot. Big enough to need group cover. Small enough that the owner decides. What Owners Actually Mean | They say | They mean | | --------------------------------- | --------------------------------- | | "Is it affordable?" | Will this hurt cash flow? | | "We struggle to keep good people" | Benefits might help retention | | "Staff are often off sick" | Healthier staff, more output | | "We don't have HR" | Don't make my life harder | Ask Before You Quote How many staff, and roughly what ages? Do you offer any health benefit today? What's your biggest staff retention problem? What budget do you have in mind for benefits? Who signs off on this? Then Propose Two or Three Options One option is a yes/no question. Three is a choice. A simple spread: inpatient only, inpatient plus outpatient, and the full package with maternity. Let the owner pick. Don't Disappear After the Sale Run the staff orientation. Help with the first claims. Show up before renewal with a claims summary and competing quotes. That's how a one-off sale becomes a client who renews, and refers. Next Steps for Your Business Determine your budget (3-5% of payroll) Survey employees (what do they need?) Get 3-5 quotes from different insurers Compare coverage and costs Negotiate terms Get management approval Set up the policy Communicate benefits to employees Health insurance isn't just a benefit. It's an investment in your team. And teams that feel valued? They stick around. ]]> support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/outpatient-vs-inpatient-cover-kenya https://bimasasa.co.ke/blog/outpatient-vs-inpatient-cover-kenya Wed, 25 Feb 2026 00:00:00 GMT no coverage. And if you're still unsure? Get both. You won't regret it. ]]> support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/best-insurance-companies-for-agents-kenya https://bimasasa.co.ke/blog/best-insurance-companies-for-agents-kenya Wed, 04 Mar 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/pre-existing-conditions-insurance-kenya https://bimasasa.co.ke/blog/pre-existing-conditions-insurance-kenya Sun, 08 Mar 2026 00:00:00 GMT no coverage. Even with exclusions. Even with waiting periods. Start now. Apply to multiple insurers. Join group plans if possible. Get covered. Next Steps List all your pre-existing conditions Get medical reports from your doctor Apply to 3-4 insurers (Madison, Resolution, Jubilee, AAR) Compare: Waiting periods Premium loading Coverage terms Choose the best offer Disclose everything honestly Mark your waiting period end date Use insurance once eligible You deserve health insurance. Pre-existing condition or not. ]]> support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/nhif-top-up-plans-kenya https://bimasasa.co.ke/blog/nhif-top-up-plans-kenya Wed, 11 Mar 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/maternity-insurance-kenya https://bimasasa.co.ke/blog/maternity-insurance-kenya Sun, 15 Mar 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/health-insurance-sales-tips https://bimasasa.co.ke/blog/health-insurance-sales-tips Wed, 18 Mar 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/jubilee-health-insurance-review https://bimasasa.co.ke/blog/jubilee-health-insurance-review Wed, 25 Mar 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/health-insurance-for-seniors-kenya https://bimasasa.co.ke/blog/health-insurance-for-seniors-kenya Sun, 29 Mar 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/aar-vs-resolution-health-insurance https://bimasasa.co.ke/blog/aar-vs-resolution-health-insurance Wed, 01 Apr 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/how-to-file-health-insurance-claim-kenya https://bimasasa.co.ke/blog/how-to-file-health-insurance-claim-kenya Sun, 05 Apr 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/grow-insurance-business-kenya https://bimasasa.co.ke/blog/grow-insurance-business-kenya Wed, 08 Apr 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/health-insurance-self-employed-kenya https://bimasasa.co.ke/blog/health-insurance-self-employed-kenya Sun, 12 Apr 2026 00:00:00 GMT 20%, switch. Note: Pre-existing conditions restart waiting periods. Strategy 3: Adjust Coverage Drop outpatient. Keep inpatient. Or increase co-payment. Strategy 4: Lock in Multi-Year Rates Some insurers offer 2-3 year rate locks (rare). Ask about it. Red Flags: Insurers to Avoid Warning signs: ❌ Claims consistently rejected ❌ Payment delays beyond 30 days ❌ Poor IRA ratings ❌ Sudden premium hikes (>25%) ❌ Hidden fees Stick to established insurers: AAR Jubilee Britam Madison Resolution CIC Common Mistakes Self-Employed Make Mistake 1: Waiting until sick to buy insurance Solution: Buy when healthy. Pre-existing conditions = waiting periods. Mistake 2: Buying cheapest without checking network Solution: Confirm preferred hospitals are covered. Mistake 3: Not claiming tax deductions Solution: Always deduct premiums from taxable income. Mistake 4: Letting policy lapse (then buying new) Solution: Keep policy active. Lapsing = new medical exams, waiting periods. Mistake 5: Not shopping around Solution: Get 3-5 quotes annually. Real Case Studies Case 1: Sarah, 32, Freelance Graphic Designer Challenge: KES 55,000/year individual premium too expensive Solution: Joined IHRM as associate member (KES 15,000) Got group rate health insurance (KES 38,000) Total: KES 53,000 (saved KES 2,000 + better coverage) Case 2: James, 41, Consultant Challenge: KES 75,000/year for inpatient + outpatient Solution: Switched to inpatient-only (KES 45,000) Uses SHA for outpatient (included in taxes) Savings: KES 30,000/year Case 3: Mary, 28, Content Creator Challenge: Irregular income, can't afford annual payment Solution: Monthly payment plan (KES 4,200/month) Set up auto-debit to avoid lapses Total: KES 50,400/year (slightly more, but manageable) Your Action Plan This week: Get quotes from 3-5 insurers Research professional associations you can join Calculate tax deductions This month: Choose best option (individual, group, or association) Apply and get covered Set up payment (annual or monthly) Ongoing: Set renewal reminders (60 days before) Track medical expenses (for tax) Re-evaluate annually Next Steps Calculate your budget (3-5% of annual income) Decide: inpatient-only or full package? Check if you qualify for group/association rates Get 3-5 quotes Compare: Premium Network Coverage limits Buy and start claiming tax deductions Being self-employed doesn't mean overpaying for insurance. You just need to: Join groups Use SHA + top-ups Negotiate co-payments Claim tax deductions Do that, and you'll pay 30-50% less than the "standard" rate. ]]> support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/digital-tools-insurance-agents-kenya https://bimasasa.co.ke/blog/digital-tools-insurance-agents-kenya Wed, 15 Apr 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/aar-health-insurance-products-guide https://bimasasa.co.ke/blog/aar-health-insurance-products-guide Mon, 11 May 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/explain-waiting-periods-clients https://bimasasa.co.ke/blog/explain-waiting-periods-clients Thu, 14 May 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/client-objections-insurance-sales https://bimasasa.co.ke/blog/client-objections-insurance-sales Thu, 21 May 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/health-insurance-pre-existing-conditions-agents https://bimasasa.co.ke/blog/health-insurance-pre-existing-conditions-agents Mon, 25 May 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/referral-network-insurance-agent-kenya https://bimasasa.co.ke/blog/referral-network-insurance-agent-kenya Thu, 28 May 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/britam-health-insurance-products-guide https://bimasasa.co.ke/blog/britam-health-insurance-products-guide Mon, 01 Jun 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/upsell-maternity-cover-young-couples https://bimasasa.co.ke/blog/upsell-maternity-cover-young-couples Thu, 04 Jun 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/apa-health-insurance-jamii-plus-guide https://bimasasa.co.ke/blog/apa-health-insurance-jamii-plus-guide Mon, 08 Jun 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/old-mutual-health-insurance-products-guide https://bimasasa.co.ke/blog/old-mutual-health-insurance-products-guide Mon, 15 Jun 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/heritage-heriafya-product-guide https://bimasasa.co.ke/blog/heritage-heriafya-product-guide Mon, 22 Jun 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/digital-tools-insurance-agents-2026 https://bimasasa.co.ke/blog/digital-tools-insurance-agents-2026 Thu, 25 Jun 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/cic-health-insurance-products-guide https://bimasasa.co.ke/blog/cic-health-insurance-products-guide Mon, 29 Jun 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/close-insurance-sale-first-meeting https://bimasasa.co.ke/blog/close-insurance-sale-first-meeting Thu, 02 Jul 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/sanlam-health-insurance-products-guide https://bimasasa.co.ke/blog/sanlam-health-insurance-products-guide Mon, 06 Jul 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/follow-up-strategies-insurance-leads https://bimasasa.co.ke/blog/follow-up-strategies-insurance-leads Thu, 09 Jul 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/liberty-health-insurance-products-guide https://bimasasa.co.ke/blog/liberty-health-insurance-products-guide Mon, 13 Jul 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/build-insurance-sales-pipeline https://bimasasa.co.ke/blog/build-insurance-sales-pipeline Thu, 16 Jul 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/madison-health-insurance-products-guide https://bimasasa.co.ke/blog/madison-health-insurance-products-guide Mon, 20 Jul 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/retain-corporate-insurance-clients https://bimasasa.co.ke/blog/retain-corporate-insurance-clients Thu, 23 Jul 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/pacis-health-insurance-products-guide https://bimasasa.co.ke/blog/pacis-health-insurance-products-guide Mon, 27 Jul 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/social-media-insurance-agents-linkedin https://bimasasa.co.ke/blog/social-media-insurance-agents-linkedin Thu, 30 Jul 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/uap-old-mutual-health-insurance-guide https://bimasasa.co.ke/blog/uap-old-mutual-health-insurance-guide Mon, 03 Aug 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/networking-events-insurance-agents https://bimasasa.co.ke/blog/networking-events-insurance-agents Thu, 06 Aug 2026 00:00:00 GMT 50 exchanged business cards Insurance agent exchanging business cards and connecting digitally at an event After the Event Same Day Connect on LinkedIn with personalized note "Great meeting you at \[event]. I enjoyed our conversation about \[topic]." Within 48 Hours Send email follow-up to priority contacts Reference specific conversation points Offer value (introduction, resource, answer to question) Within 1 Week Schedule coffee/calls with highest priority prospects Add all contacts to your CRM Plan next touch point for each Following Up The follow-up is where networking pays off. Email Template Subject: Great meeting you at \[Event Name] Hi \[Name], It was great meeting you at \[Event] yesterday. I really enjoyed our conversation about \[specific topic]. As I mentioned, I specialize in helping \[target market] with their insurance needs. Given what you shared about \[their situation], I think we might be able to help. Would you be open to a quick call next week to explore this further? Best, \[Your Name] LinkedIn Message "Hi \[Name], great connecting at \[event] today. I'd love to continue our conversation about \[topic]. Would you be open to a quick call next week?" Measuring Success | Metric | Target | |--------|--------| | Business cards collected | 10–20 per event | | Follow-ups sent | 100% within 48 hours | | Meetings scheduled | 3–5 per event | | Prospects added to pipeline | 2–3 per event | | Clients from networking (annual) | 10+ | Agent reviewing follow-up plans and metrics after a networking event The Bottom Line Effective networking is: Research before Quality conversations during Consistent follow-up after Repeat regularly One hour at a good networking event, followed by proper follow-up, can be more valuable than 10 hours of cold calling. Next Steps Find 2–3 regular networking opportunities Prepare your introduction and questions Attend an event this month Follow up with every meaningful contact Read: [Building a Sales Pipeline ]]> support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/first-data-health-insurance-guide https://bimasasa.co.ke/blog/first-data-health-insurance-guide Mon, 10 Aug 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/referral-strategies-insurance-agents https://bimasasa.co.ke/blog/referral-strategies-insurance-agents Thu, 13 Aug 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/resolution-health-insurance-guide https://bimasasa.co.ke/blog/resolution-health-insurance-guide Mon, 17 Aug 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/cold-calling-insurance-scripts https://bimasasa.co.ke/blog/cold-calling-insurance-scripts Thu, 20 Aug 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/minet-health-insurance-guide https://bimasasa.co.ke/blog/minet-health-insurance-guide Mon, 24 Aug 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/insurance-proposal-writing https://bimasasa.co.ke/blog/insurance-proposal-writing Thu, 27 Aug 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/ga-insurance-health-products https://bimasasa.co.ke/blog/ga-insurance-health-products Mon, 31 Aug 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/client-retention-annual-reviews https://bimasasa.co.ke/blog/client-retention-annual-reviews Thu, 03 Sep 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/kenyan-alliance-health-products https://bimasasa.co.ke/blog/kenyan-alliance-health-products Mon, 07 Sep 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/objection-handling-insurance-agents https://bimasasa.co.ke/blog/objection-handling-insurance-agents Thu, 10 Sep 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/trident-health-insurance-guide https://bimasasa.co.ke/blog/trident-health-insurance-guide Mon, 14 Sep 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/insurance-agent-time-management https://bimasasa.co.ke/blog/insurance-agent-time-management Thu, 17 Sep 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/pioneer-health-insurance-guide https://bimasasa.co.ke/blog/pioneer-health-insurance-guide Mon, 21 Sep 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/handling-claims-as-agent https://bimasasa.co.ke/blog/handling-claims-as-agent Thu, 24 Sep 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/directline-health-insurance-guide https://bimasasa.co.ke/blog/directline-health-insurance-guide Mon, 28 Sep 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/cross-selling-insurance-products https://bimasasa.co.ke/blog/cross-selling-insurance-products Thu, 01 Oct 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/insurance-agent-personal-branding https://bimasasa.co.ke/blog/insurance-agent-personal-branding Thu, 08 Oct 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/comparing-health-insurance-quotes https://bimasasa.co.ke/blog/comparing-health-insurance-quotes Mon, 12 Oct 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/year-end-insurance-sales-strategies https://bimasasa.co.ke/blog/year-end-insurance-sales-strategies Thu, 15 Oct 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye) https://bimasasa.co.ke/blog/dental-optical-cover-kenya https://bimasasa.co.ke/blog/dental-optical-cover-kenya Mon, 19 Oct 2026 00:00:00 GMT support@bimasasa.co.ke (Keryl Kelonye)