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Your health is your most valuable asset, and protecting it shouldn’t be a challenge!
At Markov Insurance Agency, we offer tailored health insurance from top Kenyan providers like AAR, APA, BRITAM, CIC, HERITAGE, and TAKAFU. Our comprehensive plans fit your unique lifestyle, covering everything from routine check-ups to unexpected chronic conditions.
Enjoy 24/7 support via phone and WhatsApp at +254 707 303 085, along with access to over 500 hospitals nationwide and abroad (e.g., India) for specialised treatment. We also offer convenient payment options, including M-Pesa and Insurance Premium Financing (IPF) through local banks.
Explore your health insurance options with us today!
Everything in basic plus;
Everything in basic plus
Everything in basic plus
Everything in Basic Plus;
Inpatient Benefits (Core Cover)
This is the primary cover that can be taken alone. It's the cover that handles costs when you or a family member is admitted to the hospital for more than 24 hours.
Outpatient Benefits (Optional Rider)
This is an optional addition that covers "walk-in, walk-out" medical services that do not require hospital admission.
Other extras included
Motor insurance is the most familiar type of insurance among Kenyans. If you ask anyone on the streets of Nairobi about insurance, they will likely think of car insurance—the sticker!
However, do we truly grasp the comprehensive meaning of motor insurance? Do we know which specific motor insurance is best for our car, motorbike, or even truck?
Markov Insurance Agency (MIA) is here to ensure you receive coverage that protects your vehicle in the best possible way, is easy for you to understand, and provides peace of mind during claims.
TPO BENEFITS
COMMON MYTHS AND REALITY ON TPO
Reality: While it doesn't cover your vehicle, it protects your assets from third-party claims.A TPO claim can wipe all your assets!
Reality:TPO offers no theft or fire protection; you need "Third Party Fire & Theft" or "Comprehensive" insurance.
Reality:Most insurers require a police report to process TPO claims.
Reality: TPO only covers third-party injuries; you won’t receive any medical payouts.
COVER BENEFITS
Accidental Damage & Total Loss
Enhanced Protection (The "Must-Have" Riders)
Value-Added Service Perks
Industrial Personal Accident Cover is specialized insurance for students transitioning to the workplace. It covers medical expenses, ambulance services, prosthetics, disability, death, and funeral costs due to accidental injuries.
At Markov, we provide tailored coverage to fit your needs and budget.
Personal accident (P.A.) cover is specialized insurance that offers a lump sum payout for accidental injury, disability, or death. Unlike medical insurance that pays hospitals, P.A. helps recover lost income, lifestyle changes, medical expenses, and funeral costs culminating from accidents.
P.A. is ideal for individuals, especially those in high-risk jobs.
Accident coverage is available for individuals within a group, with premiums managed collectively and claims paid to individual claimants.
Groups enjoy negotiated premiums that are typically more favorable than individual P.A. Examples include schools insuring students, rider associations, PSV SACCOs, and industry staff or driver groups.
BENEFITS ON COVER | INTERN STUDENT OPTION 1 | P.A OPTION 1 ( A DRIVER) | P.A OPTION 2 (DRIVER) |
|---|---|---|---|
| 1. Medical Expenses Reimbursement | KES: 20,000 | KES: 50,000 | KES: 100,000 |
| 2. Permanet total Disability ( PDT) PAYMENT | KES: 100,000 | KES: 250,000 | KES:500,000 |
| 3. Death Payment | KES: 100,000 | KES: 250,000 | KES: 500,000 |
| 4. Funeral Expenses PAYMENT | KES: 20,000 | KES: 10,000 | KES: 60,000 |
| APPROXIMATE PREMIUMS IN KES | KES 500/6MONTHS | KES: 1,280 P.A | KES: 1,770 P.A |
Traveling is a hobby or a demanding necessity. You plan your journey well, but you still have concerns about flight delays or cancellations, medical emergencies, lost luggage, or even the unthinkable in a foreign country.
This is where travel insurance provides a valuable solution and peace of mind as you embark on your travel adventures.
Home insurance or Domestic Package Insurance is your all-in-one safety net, combining coverage for your physical property and your legal responsibilities as a homeowner or tenant. The benefits and coverage of comprehensive home insurance come in five sections.
One of our most popular benefits is the All Risks Section, which ensures your high-value gadgets like mobile phones and laptops are protected even when you leave the house.
Maximum Protection for Your Devices
Clear Phone Compensation: If your phone is stolen or accidentally damaged anywhere in the world, we help you replace it or cover the repair costs.
Wide Coverage: Unlike standard contents insurance that only covers items inside your home, our All Risks section follows you wherever you go—to work, on holiday, or out with friends.
Fast Claims Process: We know how essential your phone is for daily life. Submit your claim with a police report and handset blockage certificate for a quick settlement.
What Else Is Covered?
Micro-insurance is a social protection insurance product specifically designed to be simple, flexible, and affordable for low- and medium-income individuals.
In 2013, micro-insurance was officially recognized as a distinct class of insurance and is now regulated by the Insurance Regulatory Authority (IRA).
Primarily, micro-insurance covers essential insurance needs such as medical expenses resulting from sickness and accidents, burial expenses, loss of property due to fire and burglary, and crop failure or livestock loss due to diseases or weather changes. These disasters could otherwise push individuals into poverty.
The key features of micro-insurance products are that the premiums are very affordable, onboarding requirements are minimal, and the claims process is simple and fast. It is coverage that no one should miss!
When we think of investment and saving, we immediately picture starting a business and a bank or SACCOs savings account. While these are the traditions and the foundation of investment and saving, modern insurance in Kenya has evolved into a powerful engine for building long-term wealth. If you are looking to grow your money while keeping your family's future secure, insurance-linked investments offer a unique safety net that traditional bank accounts often lack.
The Power of Unit Trust Funds
One of the most popular entries into the investment world is through Unit Trust Funds (UTFs). Instead of trying to pick individual stocks on the NSE, you pool your money with other investors. Professional fund managers then do the heavy lifting, diversifying your cash across various assets.
Securing Your Golden Years: Pension Plans
Retirement shouldn’t be a period of financial anxiety. Individual Pension Plans (IPP) allow you to save systematically with incredible perks. In Kenya, you enjoy significant tax relief—up to KES 30,000 of your monthly contribution is tax-exempt. Pension plan ensure you don’t outlive your savings. Plus, you can even use 60% of your accumulated fund to back a home mortgage or a loan.
Securing Your Child's Education
An education policy is a vital safety net against rising school costs. Beyond simple savings, plans from providers like Britam or Heritage offer compound interest and a crucial waiver of premium—guaranteeing your child's education is fully funded even if you pass away or become disabled. With an additional 15% insurance tax relief, it is a savvy, secure way to ensure life's uncertainties never derail your child's future.
Why Choose Insurance for Investing?
The "secret sauce" of insurance investments is the guaranteed return and premium waivers. Unlike a standard investment, if the worst happens, the insurance component ensures your investment goal (like a child’s university fund) is still met.
By blending the growth potential of the markets with the security of a policy, you aren't just saving—you’re building a legacy that is protected against life's uncertainties.
Money Market Fund (Lowest Risk): Primarily invests in short-term, interest-bearing money market instruments like Treasury Bills and fixed deposits. It is ideal for emergency savings or short-term goals with up to 10.17%P.a interest and initial deposit of at-least KES 1000.
Bond Plus / Fixed Income Fund (Low-Medium Risk): Invests in low risk government and corporate bonds. It offers more growth potential and stability in regular interest than money market with up to 12.13%P.a interest and initial deposit of KES. 1000.
Balanced Fund (Medium Risk): A "middle ground" option that mixes different asset classes—typically a blend of equities (stocks) and fixed income (bonds). It aims to provide a balance between capital growth and income stability.
Equity Fund (Highest Risk): Invests primarily in listed company shares (stocks). While it experiences the most market volatility, it is designed for maximum long-term capital growth over 5 to 10+ year
An education plan is a life insurance product designed to invest for your child's college education, providing both savings and protection.
On Maturity, the investor usually earns up to 75% on their investment. The duration of investment is a key factor.
Benefits From Education Plan:
An Individual Pension Plan (IPP) is a flexible, tax-efficient retirement savings option that consolidates your employer benefits into a single account.
Payout Structures:
1. Pension Plan: At retirement, receive 1/3 as a lump sum, with the remaining 2/3 as an annuity or 10-year drawdown.
2. Provident Plan: Entire fund paid as a lump sum at retirement.
Benefits of Transferring Pension to an IPP:
We assist employers in meeting their legal obligations for lump-sum payments to retiring or exiting employees.
Provide details about the individuals, vehicles, or properties to be insured, along with your personal information.
Get expert advice, tailored solutions, and three quotes from leading providers. Enjoy efficient claims processing and quarterly policy reviews to adjust your coverage.
Your Excellent Intermediary!
We’ll walk with you through the insurance journey!
