GA Insurance Health Products: Agent's Complete Guide
GA Insurance (General Accident Insurance Company) has been in Kenya for over 100 years. Their health products cater primarily to corporate and group markets.
Here's what agents need to know.
Table of Contents
- Company Overview
- Product Portfolio
- Coverage Options
- Target Markets
- Premium Structures
- Selling Strategies
- Commission Structures
- Underwriting Approach
- Claims Process
- Hospital Network
- Competitive Position
- Working with GA
- Best Practices
- The Bottom Line
- Next Steps
Company Overview
GA Insurance is one of Kenya's oldest insurers with a strong general insurance background.
| Aspect | Details |
|---|---|
| Established | 1906 |
| Ownership | Part of GA Group (regional) |
| Strength | Established, financially stable |
| Focus | Corporate and group business |
Product Portfolio
Group Health Insurance
| Product | Target |
|---|---|
| GA Group Medical | SMEs and corporates |
| GA Corporate Health | Large employers |
| GA Executive Cover | Senior management |
Individual Health
| Product | Target |
|---|---|
| GA Personal Medical | Individual coverage |
| GA Family Health | Family coverage |
Coverage Options
Group Plans
| Tier | Inpatient Limit | Outpatient Limit |
|---|---|---|
| Bronze | KES 1,000,000 | KES 50,000 |
| Silver | KES 2,000,000 | KES 100,000 |
| Gold | KES 5,000,000 | KES 150,000 |
| Platinum | KES 10,000,000+ | KES 250,000+ |
Optional Benefits
| Benefit | Typical Limit |
|---|---|
| Maternity | KES 100,000–200,000 |
| Dental | KES 30,000–50,000 |
| Optical | KES 20,000–40,000 |
| Last expense | KES 50,000–100,000 |
| Funeral expense | KES 30,000–50,000 |
Target Markets
Ideal Clients for GA
| Client Type | Why GA Works |
|---|---|
| Established companies | Appreciate GA's history |
| Risk-conscious employers | Strong financials |
| Traditional industries | Conservative approach |
| Groups needing basics | Straightforward products |
Strong Sectors
| Industry | Reason |
|---|---|
| Manufacturing | Traditional employer |
| Financial services | Understand insurance |
| Government-related | Established relationships |
| NGOs | Need reliable partners |
Premium Structures
Group Premium Factors
| Factor | Impact |
|---|---|
| Group size | Larger = better rates |
| Industry | Risk-based pricing |
| Average age | Older = higher |
| Cover level | Higher = more expensive |
| Claims history | Affects renewal |
Estimated Group Premiums
| Cover Level | Per Person (30-40 age) |
|---|---|
| Bronze | KES 25,000–35,000 |
| Silver | KES 40,000–55,000 |
| Gold | KES 65,000–90,000 |
| Platinum | KES 100,000+ |
Selling Strategies
GA's Positioning
Key messages:
| Message | Evidence |
|---|---|
| Established and reliable | 100+ years in Kenya |
| Financially strong | Consistent capital adequacy |
| Claims reliability | Long track record |
| Local expertise | Understands Kenyan market |
Pitch for Corporate Clients
"GA has been insuring Kenyan businesses since 1906. They're one of the most financially stable insurers in the market. For an employer looking for reliable health coverage that will pay claims consistently, that history matters."
Handling Objections
"They're old-fashioned"
"They've been here 100 years because they're reliable. That stability is exactly what you want from health insurance — you know they'll be here when your employees need to claim."
"Are they competitive?"
"They're competitive on group rates, especially for established companies. Let me show you how they compare on your specific requirements."
Commission Structures
Typical Rates
| Product Type | Commission Range |
|---|---|
| Group health (SME) | 10–15% |
| Group health (corporate) | 8–12% |
| Individual health | 12–15% |
| Renewals | 5–8% |
Relationships
GA values long-term agent relationships:
| Factor | Impact |
|---|---|
| Production volume | Better rates |
| Retention | Bonuses |
| Tenure | Improved terms |
Underwriting Approach
Group Underwriting
| Factor | Requirement |
|---|---|
| Census data | Standard |
| Industry type | Risk assessment |
| Claims history | If available |
| Medical questionnaires | Smaller groups |
Individual Underwriting
| Requirement | When |
|---|---|
| Health questionnaire | Always |
| Medical exam | Higher sums, older ages |
| Pre-existing conditions | Waiting periods or exclusions |
Claims Process
Outpatient Claims
| Method | Process |
|---|---|
| Network provider | Present card, direct billing |
| Non-network | Pay, submit for reimbursement |
| Turnaround | 5–10 working days for reimbursement |
Inpatient Claims
| Step | Timeline |
|---|---|
| Pre-authorization | Required |
| Approval | Usually within 24 hours |
| Direct billing | At network hospitals |
| Complex cases | Case management |
Hospital Network
Network Characteristics
| Type | Coverage |
|---|---|
| Public hospitals | Good coverage |
| Mid-tier private | Strong |
| Premium private | Selected with co-pay |
| Upcountry | Reasonable coverage |
Competitive Position
GA vs Competitors
| Factor | GA | Premium Competitor |
|---|---|---|
| Brand prestige | Established | More modern |
| Pricing | Competitive | Higher |
| Digital tools | Developing | More advanced |
| Claims | Reliable | Similar |
| Network | Good | Extensive |
When to Recommend GA
| Situation | Recommendation |
|---|---|
| Values stability | Yes |
| Corporate looking for reliable partner | Yes |
| Basic to mid-tier coverage | Yes |
| Wants latest digital features | Maybe not |
| Premium hospital is priority | Maybe not |
Working with GA
Agent Registration
| Step | Details |
|---|---|
| Application | Through GA's intermediary department |
| Licensing | Must have IRA license |
| Training | Product training provided |
| Code | Agent code issued |
Support Provided
| Support | Details |
|---|---|
| Training | Product and systems |
| Quotations | Quote support |
| Marketing materials | Brochures available |
| Account management | For larger agents |
Best Practices
Presenting GA
| Do | Why |
|---|---|
| Emphasize stability | Their key differentiator |
| Position for corporate | Their strength |
| Compare value | Not always cheapest, but reliable |
| Highlight claims track record | What matters to clients |
Building GA Business
| Strategy | Action |
|---|---|
| Target established companies | Natural fit |
| Focus on group | Their strength |
| Cross-sell | Package with motor, property |
| Build relationship | They value loyalty |
The Bottom Line
GA Insurance is strong for:
- Corporate and group health
- Clients valuing stability
- Traditional industries
- Reliable claims processing
Position them as the dependable, established choice for employers who want confidence their employees will be covered.
Next Steps
- Understand GA's current products and rates
- Identify corporate clients in your pipeline
- Position stability and reliability
- Build relationship with GA team
- Use: BimaSasa Quote Comparison Tool
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