Affordable Access
Low-premium products designed for low-income households and informal sector workers.
Affordable microinsurance for everyday protection
Accessible cover for families, farmers, and micro-enterprises — designed to protect health, livelihoods, and dignity without the complexity of traditional insurance.
Why choose APA Microinsurance
Inclusive insurance built for real life — affordable premiums, simple products, and cover that reaches families, farmers, and micro-enterprises.
Family & Health
Hospital cash, combined family cover, and support when medical emergencies strike.
Agriculture Support
Crop and livestock insurance that helps farmers recover from weather and seasonal losses.
Livelihood Protection
Cover for boda operators, small traders, and micro-business property and stock.
Our microinsurance solutions
Browse affordable products for families, farmers, and micro-enterprises — then open a plan to view full details.
Personal
Linda Boma
Affordable cover for low-income families against medical emergencies, loss, and fire.
Personal
Hospitalisation Cash
Financial solution to help manage hospital and treatment expenses.
Personal
Upendo
Life insurance solution that helps secure your family's financial future.
Personal
Heshima Na Faraja
Support that brings comfort and peace of mind during bereavement.
Personal
Linda Boma
Affordable cover for low-income families against medical emergencies, loss, and fire.
Personal
Hospitalisation Cash
Financial solution to help manage hospital and treatment expenses.
Personal
Upendo
Life insurance solution that helps secure your family's financial future.
Personal
Heshima Na Faraja
Support that brings comfort and peace of mind during bereavement.
Personal
Boda & Tuktuk Personal Cover
Personal accident cover designed for boda boda and tuk tuk operators.
Business
Micro Property
Affordable cover for small businesses, stock, and business property.
Business
Area Yield Index Crop Insurance (AYII)
Support for farmers when harvest yields are affected by adverse conditions.
Business
Weather Index Crop Insurance (WII)
Coverage designed to help farmers manage weather-related losses.
Solution overview
Explore our microinsurance categories and find accessible cover for your household or livelihood.
Personal & Family Cover
Affordable protection for households against medical emergencies, accidental injury, and combined family risks.
- Linda Boma — cover for medical emergencies, loss, and fire
- Hospitalisation Cash for treatment expenses
- Boda & Tuktuk Personal Cover for operators
- Simple products with accessible premiums
Who we cover
Microinsurance solutions for individuals, families, farmers, and micro-enterprises across Kenya.
Individuals & families
- Low-income households seeking affordable health and family cover
- Boda boda and tuk tuk operators needing personal accident protection
- Families looking for funeral and life support products
Farmers & micro-enterprises
- Smallholder farmers managing crop and livestock risks
- Traders and shop owners protecting stock and premises
- Community groups and partners distributing cover through channels
Frequently Asked Questions
Microinsurance provides affordable, simplified insurance products for low-income individuals and micro-enterprises. Premiums and benefit structures are designed for accessibility and ease of understanding.
APA, Insuring Happiness
Need affordable cover that fits your life?
Speak to an advisor or explore microinsurance products designed for your community.
Everything You Need, All in One Place
Access policy documents, claim forms, renewals, and important resources anytime.
Claim Form
PDF • 1.1 MB
Terms & Conditions
PDF • 1.8 MB
Bima Bamba Insurance Brochure
PDF • 2.4 MB
