Motor Insurance
Direct cover for private cars, commercial and public service vehicles.
Public Service & Specialist Vehicles
PSV Vehicles
Cover for matatus, buses and public service vehicles, focused on passenger and third-party liability.
Uber Vehicles
Comprehensive motor cover for vehicles used on app-based ride-hailing platforms.
Taxi Vehicles
Protection for licensed taxis, including accidental damage, theft, fire and passenger liability.
Institutional PSV
Purpose-built cover for school buses, staff shuttles and institutional transport fleets.
Tourist Service Vehicles
Cover for safari vans and tour vehicles, with comprehensive passenger and third-party protection.
Private Car
COMPREHENSIVEDirect insurance cover for private vehicles, offering protection against accidents, theft, and third-party liabilities.
Comprehensive & third-party options. Accidental damage cover. Theft & fire protection. Third-party liability. Personal accident cover for driver/passengers.
Heavy Commercial
HEAVY GOODSSpecialised cover for trucks, lorries, tippers, tankers, trailers, agricultural vehicles and tractors, plus other heavy goods vehicles used for own goods, general cartage or hire-and-reward operations.
Comprehensive protection against accidental damage, theft, fire, riots and natural perils. Third-party liability for injury, death and property damage. Towing and recovery after an accident. Optional extensions: goods in transit, passenger/loaders' liability, windscreen, excess protection, personal accident for driver and loader, container cover and applicable cross-border cover.
Non‑Motor Insurance
Comprehensive protection for property, liability, and specialised risks.
Property Insurance
ASSETSComprehensive cover for physical assets including buildings, contents, and equipment against fire, theft, and natural disasters.
Fire & allied perils. Burglary & theft. Business interruption. All-risks cover for equipment. Natural disaster protection.
Liability Insurance
PROTECTIONShield your business from legal claims arising from third-party injuries, property damage, or professional negligence.
Public liability. Employers' liability. Professional indemnity. Product & Directors' liability.
Technical Risks
SPECIALISEDSpecialised insurance for technical and industrial risks, including machinery breakdown, electronic equipment, and engineering projects.
Machinery breakdown. Electronic equipment insurance. Contractors' & Erection all-risks. Computer & cyber risks.
Aviation
AIRCRAFTComprehensive cover for aircraft hull, liability, and passenger risks, including third‑party and war risks.
- Hull damage (all risks).
- Passenger & third‑party liability.
- War and allied perils coverage.
Engineering
CONSTRUCTIONInsurance for civil engineering projects, plant, machinery, and contractors' all‑risks.
- Contractors' all‑risks.
- Plant and machinery breakdown.
- Erection all‑risks.
Fire Domestic
HOMEProtection for private homes and contents against fire, lightning, and allied perils.
- Buildings and contents.
- Fire, lightning, explosion.
- Optional burglary and flood.
Fire Industrial
COMMERCIALComprehensive fire and allied perils cover for commercial and industrial properties, including business interruption.
- Buildings, plant, stock.
- Business interruption cover.
- Extended perils (storm, flood, etc.).
Marine
SHIPPINGMarine cargo and hull insurance for goods in transit, vessels, and related liabilities.
- Cargo (all risks).
- Hull and machinery.
- Protection & indemnity (P&I).
Theft
SECURITYCover against theft, burglary, and robbery for business premises, stock, and cash.
- Burglary and robbery.
- Cash in transit.
- Goods held in trust.
Workmen's Compensation
EMPLOYEESStatutory cover for employee injuries, disabilities, and death arising from work‑related accidents.
- Injury and death benefits.
- Medical expenses.
- Legal liability protection.
Miscellaneous
SPECIALTYTailored covers for niche risks: event insurance, bond, credit, guarantee, and other bespoke protections.
- Event and exhibition insurance.
- Fidelity guarantee.
- Credit and surety bonds.
Medical Insurance (Groups)
Comprehensive, competitively priced staff medical covers built for organisations and growing businesses.
MwanaCare
SCHOOL SAFETYA comprehensive school emergency response, insurance and fire safety solution combining rapid medical response, reliable insurance protection and enhanced fire safety measures.
Designed for pupils, students and schools, with professional intervention and financial protection available when illness, accident or fire occurs.
- 24/7 emergency response, ambulance dispatch, ALS ambulances, qualified paramedics and EMTs, evacuation and air evacuation, ambulance standby, on-site medical support, plus first aid training and certification.
- Personal Accident benefits and inpatient benefits up to KES 200,000 per student per year, including emergency admission, diagnostics, prescribed drugs, doctor’s fees and nursing care.
- Fire truck response, smoke detection and alarm systems with real-time alerts, and annual fire drills for staff and students.
SME Scheme
3–49 EMPLOYEESEligibility:
Family Matrix:
- Inpatient features:
Hospital accommodation, doctors' fees, ICU/HDU/CCU, theatre, diagnostics (X-ray, MRI, CT, PET), and emergency evacuation. - Outpatient features:
GP & specialist consultations, lab tests, medication, physiotherapy, and counselling with no copay. Dental & Optical are inbuilt within the Outpatient limit, with standalone options available. Pre-existing, chronic, congenital, cancer, and HIV/AIDS are covered from day one. - Pricing & Underwriting:
No age-banded pricing (one flat premium per family size), no joining medical check-up, and no waiting periods. Lifetime renewability applies. Maternity is optional (limits from Ksh. 50,000 to Ksh. 200,000).
Corporate Plan
INSTITUTIONAL SCALEComprehensive, flexible and dependable staff medical cover for institutions of 50+ staff, backed by proven scheme management serving parastatals and regional corporates.
- Inpatient features:
Hospital admission per schedule, ICU / HDU / CCU, surgery, prescribed drugs, physio, and paediatric parent/guardian accommodation up to age 12. Includes post-hospitalisation follow-up up to 30 days. - Outpatient features:
GP visits, immunizations, minor surgery, chronic disease management, psychiatric care, and routine health screening (incl. nutrition, PSA & Pap smear). - Maternity:
Normal delivery, elective Caesarean, neonatal care, and foetal monitoring. - Scheme Rules:
No waiting period. Joining age up to 65 for principal and spouse, with dependants covered up to age 25 with proof of schooling. Covers congenital conditions, birth defects, pre-existing conditions, cancer, and HIV/AIDS within limits.
Need a Medical Quote?
For quotations and enquiries on our medical products, email us directly at medical@definiteassurance.com
VitalCare
Individual medical cover — comprehensive inpatient protection for you and your family. Because your health is not just important… it's vital.
VitalCare Plans
4 TIER OPTIONSFour Plans, One Promise of Care:
- Comprehensive Protection:
Covers hospital bed/room, ICU/HDU, theatre & surgeon's fees, and physician/anaesthetist fees. - Advanced Care:
Includes oncology, renal dialysis, cardiac care, reconstructive surgery, internal prostheses/implants, and neonatal care. - Diagnostics:
Covers inpatient diagnostics and advanced imaging including CT, MRI, and EEG. - Evacuation:
Emergency road ambulance and emergency air evacuation. - Mental Health:
Features psychiatric and mental health coverage.
Personal Accident
Protection when it matters — every day, everywhere.
Individual Cover
AGES 18–65Protects individuals against accidental death, permanent disablement, temporary disablement and related medical expenses resulting from accidental, violent, external and visible means.
Cover applies 24 hours a day, worldwide, subject to policy terms. Persons under 18 may be covered under a parent or guardian. Coverage ranges up to a 10M Death and Permanent Disability benefit limit. Includes Repatriation & Life Assistance, Optical Expenses, and Dental Expenses. Hospital Cash benefit included specifically for the self-employed.
Family Cover
NUCLEARProvides compensation to the nuclear family for injuries or disability resulting from violent, accidental, external and visible events.
Open to persons between 18 and 65 years of age. Accident-related medical expenses may be paid directly to the medical facility or reimbursed on original bills. Core benefits include Accidental Death, Permanent/Temporary Total Disablement, Hospital Cash, and Medical Expenses. Also provides for the Cost of Artificial Appliances and Funeral Expense.
Intern Cover
STUDENTSDesigned for interns or students on industrial attachment, offering protection against accidental injury, disability and related medical costs.
Highly flexible tenures: covers available for 3-month, 6-month, or 12-month periods. Plan limits offer Death/Permanent Disablement benefits of 100k, 150k, or 200k. Benefits encompass Accidental Medical Expenses, Cost of Artificial Appliances, and Funeral Expenses.
Driver Cover
MOTORISTSProvides compensation to motorists aged 18 to 65 for accidental injury or disability.
Accident-related medical expenses may be paid directly to the medical facility or reimbursed on original receipts and the attending doctor's report. Covers Accidental Death, Permanent/Temporary Total Disablement, and Medical Expenses. Includes Funeral Expenses and Cost of Artificial Appliances.