PACIS Health Insurance Products: Complete Agent Guide
PACIS Insurance is unique in Kenya's insurance market — they offer both conventional insurance and Sharia-compliant Takaful products.
For agents serving Muslim clients or anyone interested in ethical insurance alternatives, PACIS provides options others don't.
Here's your guide to selling PACIS health insurance.
Table of Contents
- PACIS Insurance Overview
- PACIS Health Products
- Commission Structure
- When to Sell PACIS
- The Bottom Line
- Next Steps
PACIS Insurance Overview
PACIS Insurance Company offers both conventional insurance and Takaful (Sharia-compliant) products. This positions them uniquely in the Kenyan market.
Key strengths:
- Only major Takaful provider in Kenya
- Serves underserved market segment
- Competitive conventional products too
- Good claims handling
Where they're less competitive:
- Smaller brand recognition
- Limited hospital network vs giants
- Fewer agent touchpoints
PACIS Health Products
Conventional Health Insurance
| 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 |
Takaful Health Insurance
Sharia-compliant version with similar benefits but structured differently.
How Takaful works:
- Contributions go into a common fund
- Participants mutually insure each other
- Surplus may be shared or donated
- No interest (riba) involved
Same coverage, different structure — appealing to those who want Islamic finance principles.
Commission Structure
| Product | First Year | Renewal |
|---|---|---|
| Conventional medical | 20–24% | 14–18% |
| Takaful medical | 18–22% | 12–16% |
| Corporate health | 14–18% | 10–14% |
Takaful Health Insurance
Sharia-compliant version with similar benefits but structured differently.
How Takaful works:
- Contributions go into a common fund
- Participants mutually insure each other
- Surplus may be shared or donated
- No interest (riba) involved
Same coverage, different structure — appealing to those who want Islamic finance principles.
When to Sell PACIS
Ideal clients:
- Muslim clients seeking Takaful
- Anyone interested in ethical insurance
- Cost-conscious individuals
- Underserved communities
Key angle: "PACIS offers Sharia-compliant health insurance — the only major option in Kenya."
The Bottom Line
PACIS fills a unique niche with Takaful products. For agents serving Muslim communities or anyone interested in ethical alternatives, PACIS is essential in your portfolio.
Next Steps
- Get appointed with PACIS Insurance
- Learn Takaful principles (for positioning)
- Identify potential Takaful clients
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