Mpawa Insurance Agency is fully owned by Stima DT Sacco Society Limited. The Agency was licensed under the Insurance Act on 20th May 2019 and offers all classes of insurance, both life and non-life including medical products.
Mpawa Insurance Agency is fully owned by Stima DT Sacco Society Limited. The Agency was licensed under the Insurance Act on 20th May 2019 and offers all classes of insurance, both life and non-life including medical products.
Mpawa Insurance Agency is fully owned by Stima DT Sacco Society Limited. The Agency was licensed under the Insurance Act on 20th May 2019 and offers all classes of insurance, both life and non-life including medical products. The Agency also offers claim and risk management services both to members and non-members.
Mpawa Auto Policy
Mpawa auto insurance policy protects the insured against financial loss if the motor vehicle is involved in an accident, burnt, or stolen. The cover is for accidental own damage or loss to the motor vehicle and its accessories.
Features • Comprehensive cover • Loss of use for 14 days (Courtesy Car) • Towing Limit of Kes 50,000.00 • Authorized Repair Limit of Kes 50,000.00 • Windscreen Limit of Kes 50,000.00 • Radio cassette of Kes 50,000.00 • Emergency Medical of Kes 50,000.00 • Personal Accident for Insured/Authorized Driver of Kes 250,000.00 • Cost of alternative accommodation of Kes 10,000.00 • Loss of Keys following an accident of Kes 15,000.00 • Passenger legal liability- Any One Passenger of Kes 5 million, Per Event of Kes 20 million. • Own Damage Excess Protector • Geographical Area: East Africa • Political Violence, Riots, Strike & Terrorism is covered
Rate: 3.75% plus 4,200 for Loss of Use Minimum Premium Payable is Kes 24,309.00
Car Value (Kes)
Annual Premium (Kes)
1
1,500,000
60,722
2
1,000,000
41,888
3
700,000
30,587
4
550,000
24,937
Mpawa Afya Health Cover
MPAWA AFYA Health provides a comprehensive and affordable medical cover for individuals, families, businesses, groups, and institutions. The cover comprises of inpatient, outpatient, dental and optical benefits. It comes with an inbuilt maternity cover and last expense cover. Plan Summary 1. All inpatient treatment is subject to preauthorization 2. All benefits are subject to overall annual benefit unless specified otherwise. 3. The scope of maternity cover includes the following services: • Inpatient cost incurred for normal and caesarean deliveries. • Labor and recovery wards. • Professional fees. • Pregnancy & Maternity related hospitalization. • Other related ailments and complications including ectopic pregnancies and miscarriages. 4. Last expense cover will be payable within 48 hours of confirmation of death of a member. This is covered within the inpatient limit.
Eligibility 1. Employees actively in service between the ages of 18 years and 75 years are eligible for the cover. 2. A member already in the scheme can have the cover extended up to 80 years of age if he/she remains in active service and has a satisfactory detailed medical report. 3. Dependent children are eligible for cover from 0 months (a term baby of 38 weeks) up to the age of 18 years or to the age of 25 years if residing with their parents and enrolled full-time in a recognized post-secondary institution. Waiting Period The standard waiting period is 1. 30 days for all claims (including outpatient), except accidents and medical emergencies. 2. 60 days for surgical cases except accidental injuries incurred within the period of cover. 3. 10 months for maternity and related conditions. 4. All other waiting periods are as per the benefit schedule. How to apply for MPAWA AFYA health insurance cover 1. Complete and sign the Mpawa Afya health insurance application form 2. Attach • ID and PIN copies of all adult applicants, dependents, and beneficiary. • Birth Certificate/birth notification copies for all child dependents (under 18 years). • Passport size-colored photographs of each applicant. 3. Submit the fully completed and signed application form and supporting documents to the nearest Stima Sacco Branch.
COVID 19 Benefit Policy
1.Covid 19 benefit policy offers 100% lumpsum payment on diagnosis and hospitalization of COVID-19 2. The cover is limited to Kenyan residents staying in Kenya during the period of cover who are between the ages of 1 and 70 3. The Insured must have contracted Covid-19 and hospitalized for at least 24 hours in an accredited medical facility for the policy benefit to be paid 4. The Insured must not have any pre-existing Respiratory Medical condition 5. There is a mandatory waiting period of 16 days after inception of the Covid-19 cover
Frequently Asked Question about COVID-19 Benefit Cover 1.What is covered under the policy and how can I purchase my Cover? COVID-19 Insurance Policy provides Coverage for a person on diagnosis andhospitalization with COVID-19 for at least for 24 hours 2. Will I be covered if I travel outside Kenya? No. Payment under this policy shall not be made if the insured person travels outside Kenya during the period of cover or has travel history 60 days before inception of the cover. 3. I have a Pre-existing health conditions, will I be covered? The cover does not cover any Illness, sickness, or disease other than COVID-19. People with pre-existing respiratory conditions are excluded from cover hence they should not purchase this product 4. What are the documents required for the claim? • Claim Form duly completed and signed • Diagnostic test confirming COVID 19 from a • Government authorized Centre. • Copy of ID Card and passport • Hospital Admission form 5. Why should I have to wait for 16 days before my policy is effective? This is to avoid fraudulent cases whereby people will purchase the product after realizing they are already infected with covid-19. 6. Does the policy cover both asymptomatic & symptomatic Confirmed cases? No. The benefit policy is to assist those of us who have been adversely affected. Therefore, a positive test and hospitalization of at least 24 hours is required for the policy to pay. 7. If I have been recommended for Home based care, does my policy covers that? No, it does not. Hospitalization of at least 24 hours is a must for the policy to pay.
Mpawa Last Expense Funeral Policy
This policy pays defined benefits in the event of member’s death during the period of insurance. Benefits are paid within 48 hours of submission of claim documents Cover is 24 hours worldwide.
Waiting period 1. Principal member; Spouse & Children – I month 2. Parents & Parents in law – 3 Months 3. There is no waiting period for accidental death. Age limits 1. Member and spouse minimum age at entry is18 years and maximum age at entry is 70 years 2. Parents and parents in law minimum age at entry is 30 years and maximum age at entry is 84 years. 3. Children minimum age at entry is 1-month and maximum age at entry is 21 years. (This can be extended up to 25 years with proof of being in full time education.
Claim documents 1. Claim notification form 2. Copy of Principal ID/Passport 3. Copy of Deceased ID/Passport 4. Copy of the Burial Permit
Mpawa Last Expense Funeral Policy
This policy pays defined benefits in the event of member’s death during the period of insurance. Benefits are paid within 48 hours of submission of claim documents Cover is 24 hours worldwide.
Waiting period 1. Principal member; Spouse & Children – I month 2. Parents & Parents in law – 3 Months 3. There is no waiting period for accidental death. Age limits 1. Member and spouse minimum age at entry is18 years and maximum age at entry is 70 years 2. Parents and parents in law minimum age at entry is 30 years and maximum age at entry is 84 years. 3. Children minimum age at entry is 1-month and maximum age at entry is 21 years. (This can be extended up to 25 years with proof of being in full time education.
Claim documents 1. Claim notification form 2. Copy of Principal ID/Passport 3. Copy of Deceased ID/Passport 4. Copy of the Burial Permit
Mpawa Household Policy
This is a combined policy for homeowners. It covers the building itself, contents in the house and outside the house, house servants against death or injury whilst in the course of employment and personal legal liability to third parties. Policy can be extended to cover political risks and terrorism.
Sections • Section A: Value of Buildings-rate of 0.1% • Section B: Value of Household Contents-0.5% • Section C: Value of All Risks Items (Movable Items such as mobile phones, Watches etc.) at a rate of 1.75% for Mobile Phones and Others at 1%.
• Section D-WIBA (Workers): 1 Indoor servant free, 1Outdoor servant free- charge and Kes 1,000.00 for others.
• Section E: Owner’s liability 5 million free • Section F: Occupier’s Liability 5 million free • Section G-Personal Liability-5,000,000/- Free • Excess: Section B & C-10% of Loss Minimum 2,500/-
Minimum Premium Kes 5,063.00
Mpawa Golfers’ Policy
Key Benefits • Golfing Equipment (Single Article Limit-15,000.00) -175,000.00 • Personal Effects: 25,000.00 • Hole in One: 20,000.00 • Personal Accident (Benefits applicable to Insured or Caddy for accidents & injuries occurring at the Golf Course) Death: 1,000,000.00 Permanent Total Disability: 1,000,000.00 Medical Expenses: 10,000.00 Third Party Liability: 1,000,000.00 Excess: Theft and damage Excess-1,000.00 Each & Every Loss (Applicable to Equipment & Personal Effects) Annual Premium: Kes 5,469.00
Other Insurance Benefits
Mpawa Insurance FAQS
Mpawa Auto Policy
Mpawa Afya Health Cover
COVID 19 Benefit Policy
Mpawa Last Expense Funeral Policy
Mpawa Household Policy
Mpawa Golfers’ Policy
Other Insurance Benefits
Mpawa auto insurance policy protects the insured against financial loss if the motor vehicle is involved in an accident, burnt, or stolen. The cover is for accidental own damage or loss to the motor vehicle and its accessories.
Features
• Comprehensive cover
• Loss of use for 14 days (Courtesy Car)
• Towing Limit of Kes 50,000.00
• Authorized Repair Limit of Kes 50,000.00
• Windscreen Limit of Kes 50,000.00
• Radio cassette of Kes 50,000.00
• Emergency Medical of Kes 50,000.00
• Personal Accident for Insured/Authorized Driver of Kes 250,000.00
• Cost of alternative accommodation of Kes 10,000.00
• Loss of Keys following an accident of Kes 15,000.00
• Passenger legal liability- Any One Passenger of Kes 5 million, Per Event of Kes 20 million.
• Own Damage Excess Protector
• Geographical Area: East Africa
• Political Violence, Riots, Strike & Terrorism is covered
MPAWA AFYA Health provides a comprehensive and affordable medical cover for individuals, families, businesses, groups, and institutions. The cover comprises of inpatient, outpatient, dental and optical benefits. It comes with an inbuilt maternity cover and last expense cover. Plan Summary 1. All inpatient treatment is subject to preauthorization 2. All benefits are subject to overall annual benefit unless specified otherwise. 3. The scope of maternity cover includes the following services: • Inpatient cost incurred for normal and caesarean deliveries. • Labor and recovery wards. • Professional fees. • Pregnancy & Maternity related hospitalization. • Other related ailments and complications including ectopic pregnancies and miscarriages. 4. Last expense cover will be payable within 48 hours of confirmation of death of a member. This is covered within the inpatient limit.
Eligibility 1. Employees actively in service between the ages of 18 years and 75 years are eligible for the cover. 2. A member already in the scheme can have the cover extended up to 80 years of age if he/she remains in active service and has a satisfactory detailed medical report. 3. Dependent children are eligible for cover from 0 months (a term baby of 38 weeks) up to the age of 18 years or to the age of 26 years if residing with their parents and enrolled full-time in a recognized post-secondary institution. Waiting Period The standard waiting period is 1. 30 days for all claims (including outpatient), except accidents and medical emergencies. 2. 60 days for surgical cases except accidental injuries incurred within the period of cover. 3. 10 months for maternity and related conditions. 4. All other waiting periods are as per the benefit schedule. How to apply for MPAWA AFYA health insurance cover 1. Complete and sign the Mpawa Afya health insurance application form 2. Attach • ID and PIN copies of all adult applicants, dependents, and beneficiary. • Birth Certificate/birth notification copies for all child dependents (under 18 years). • Passport size-colored photographs of each applicant. 3. Submit the fully completed and signed application form and supporting documents to the nearest Stima Sacco Branch.
1.Covid 19 benefit policy offers 100% lumpsum payment on diagnosis and hospitalization of COVID-19 2. The cover is limited to Kenyan residents staying in Kenya during the period of cover who are between the ages of 1 and 70 3. The Insured must have contracted Covid-19 and hospitalized for at least 24 hours in an accredited medical facility for the policy benefit to be paid 4. The Insured must not have any pre-existing Respiratory Medical condition 5. There is a mandatory waiting period of 16 days after inception of the Covid-19 cover
Frequently Asked Question about COVID-19 Benefit Cover 1.What is covered under the policy and how can I purchase my Cover? COVID-19 Insurance Policy provides Coverage for a person on diagnosis andhospitalization with COVID-19 for at least for 24 hours 2. Will I be covered if I travel outside Kenya? No. Payment under this policy shall not be made if the insured person travels outside Kenya during the period of cover or has travel history 60 days before inception of the cover. 3. I have a Pre-existing health conditions, will I be covered? The cover does not cover any Illness, sickness, or disease other than COVID-19. People with pre-existing respiratory conditions are excluded from cover hence they should not purchase this product 4. What are the documents required for the claim? • Claim Form duly completed and signed • Diagnostic test confirming COVID 19 from a • Government authorized Centre. • Copy of ID Card and passport • Hospital Admission form 5. Why should I have to wait for 16 days before my policy is effective? This is to avoid fraudulent cases whereby people will purchase the product after realizing they are already infected with covid-19. 6. Does the policy cover both asymptomatic & symptomatic Confirmed cases? No. The benefit policy is to assist those of us who have been adversely affected. Therefore, a positive test and hospitalization of at least 24 hours is required for the policy to pay. 7. If I have been recommended for Home based care, does my policy covers that? No, it does not. Hospitalization of at least 24 hours is a must for the policy to pay.
This policy pays defined benefits in the event of member’s death during the period of insurance. Benefits are paid within 48 hours of submission of claim documents Cover is 24 hours worldwide.
Benefit
Option 1
Option 2
Option 3
Option 4
Option 5
Option 6
Principal Member
100,000.00
150,000.00
200,000.00
300,000.00
400,000.00
500,000.00
Spouse
100,000.00
150,000.00
200,000.00
300,000.00
400,000.00
500,000.00
Parents & Parents-In-Law
100,000.00
150,000.00
150,000.00
150,000.00
200,000.00
200,000.00
Children
100,000.00
100,000.00
200,000.00
200,000.00
200,000.00
200,000.00
Annual Premium
4,500.00
6,500.00
9,300.00
13,600.00
20,800.00
26,650.00
Additional Child
650.00
650.00
1,300.00
1,300.00
1,300.00
1,300.00
Individual Principal Members (21 – 30 years)
650.00
1,000.00
1,500.00
2,400.00
3,700.00
5,200.00
Waiting period
1. Principal member; Spouse & Children – I month
2. Parents & Parents in law – 3 Months
3. There is no waiting period for accidental death.
Age limits
1. Member and spouse minimum age at entry is18 years and maximum age at entry is 70 years
2. Parents and parents in law minimum age at entry is 30 years and maximum age at entry is 84 years.
3. Children minimum age at entry is 1-month and maximum age at entry is 21 years. (This can be extended up to 25 years with proof of being in full time education.
Claim documents
1. Claim notification form
2. Copy of Principal ID/Passport
3. Copy of Deceased ID/Passport
4. Copy of the Burial Permit
This is a combined policy for homeowners. It covers the building itself, contents in the house and outside the house, house servants against death or injury whilst in the course of employment and personal legal liability to third parties. Policy can be extended to cover political risks and terrorism.
Sections • Section A: Value of Buildings-rate of 0.1% • Section B: Value of Household Contents-0.5% • Section C: Value of All Risks Items (Movable Items such as mobile phones, Watches etc.) at a rate of 1.75% for Mobile Phones and Others at 1%.
• Section D-WIBA (Workers): 1 Indoor servant free, 1Outdoor servant free- charge and Kes 1,000.00 for others.
• Section E: Owner’s liability 5 million free • Section F: Occupier’s Liability 5 million free • Section G-Personal Liability-5,000,000/- Free • Excess: Section B & C-10% of Loss Minimum 2,500/-
Minimum Premium Kes 5,063.00
Key Benefits • Golfing Equipment (Single Article Limit-15,000.00) -175,000.00 • Personal Effects: 25,000.00 • Hole in One: 20,000.00 • Personal Accident (Benefits applicable to Insured or Caddy for accidents & injuries occurring at the Golf Course) Death: 1,000,000.00 Permanent Total Disability: 1,000,000.00 Medical Expenses: 10,000.00 Third Party Liability: 1,000,000.00 Excess: Theft and damage Excess-1,000.00 Each & Every Loss (Applicable to Equipment & Personal Effects) Annual Premium: Kes 5,469.00
Yes. M-Pawa offers various types of motor insurance covers depending on the type of the car, the age of the car and the use of the car. These covers can be categorized into either Comprehensive or Third Party.
This insurance is affordable compared to the prevailing market rates and provides a wide range of extensions which are not covered by a normal insurance motor policy.
Yes. Mpawa has a family Last Expense cover which currently covers 10 family members with a range of options available. The lowest option goes for an annual premium of Kes 4,500.00 per family per year.
Mandatory documents include copies of proposer’s ID, KRA Pin, Logbook, and an estimate of the vehicle’s value.premium of Kes 3,300.00 per family per year.
MPAWA AFYA Health provides a comprehensive and affordable medical cover for individuals, families, businesses, groups, and institutions. The cover comprises of inpatient, outpatient, dental and optical benefits. It comes with an inbuilt maternity cover and last expense cover.
