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Insurance guides for East Africa

Plain-English guides to insurance in Kenya, Uganda, Tanzania and Ethiopia — every rule linked to its source, every insurer figure from the regulator.

Topics: Kenya blog · Uganda blog · Tanzania blog · Ethiopia blog

61 guides

Health & life · KenyaSHA registration: how to register with the Social Health AuthorityRegister online, by *147# or at a Huduma Centre — who must register, what you pay and how to pay.2 min read · Updated 23 September 2026Health & life · KenyaSHA contribution calculator: how much you pay each month2.75% of income, minimum KES 300 a month, no ceiling — calculate it, plus due dates and the 2% penalty.2 min read · Updated 23 September 2026Motor & vehicles · KenyaDMVIC: how to check a motor insurance certificate in Kenya (*352#)Dial *352#, use the DMVIC app or verify.dmvic.com — what the check shows and how to spot a fake.2 min read · Updated 23 September 2026Insurers & your rights · KenyaLargest insurance companies in Kenya (2025), comparedEvery insurer ranked by premium, with claims ratios — from the regulator's 2025 figures.4 min read · Updated 23 September 2026Insurers & your rights · KenyaCompare two insurers in KenyaPick two insurers and see them side by side: size, claims ratio, complaints.2 min read · Updated 23 September 2026Insurers & your rights · KenyaLicensed insurance companies in Kenya (2026 list)The 2026 IRA list: 22 life, 35 general and 5 micro-insurers — and how to check any company yourself.2 min read · Updated 23 September 2026Home, business & travel · KenyaWIBA insurance in Kenya: what every employer must haveWIBA insurance is compulsory for every employer: fines up to KES 100,000 plus KES 10,000 a day.2 min read · Updated 23 September 2026Motor & vehicles · KenyaMotor insurance in Kenya: what Cap. 405 requiresCap. 405 in plain words: what third-party cover pays, the penalty, and how to check a certificate on *352#.3 min read · Updated 23 September 2026Motor & vehicles · KenyaThird-party vs comprehensive car insurance in KenyaWhat the Cap. 405 minimum pays for, what only a broader policy covers, and how to compare quotes.2 min read · Updated 23 September 2026Motor & vehicles · KenyaBoda boda and motorcycle insurance in KenyaMotorcycle taxis need third-party PSV insurance; passengers must be covered. Helmets, jackets and tuk-tuks.2 min read · Updated 23 September 2026Motor & vehicles · KenyaMatatu, PSV and ride-hailing insurance in KenyaNTSA licensing needs PSV third-party insurance; ride-hailing cars need valid cover and must be ≤16 years old.2 min read · Updated 23 September 2026Health & life · KenyaHealth insurance in Kenya: SHA contributions and private coverSHA replaced NHIF in October 2024: 2.75% of income, KES 300 minimum. Where private cover fits.2 min read · Updated 23 September 2026Health & life · KenyaSHA vs private medical insurance in Kenya: what each coversCompulsory SHA vs optional private cover: price, waiting periods, hospitals — and when to combine them.2 min read · Updated 23 September 2026Health & life · KenyaLife insurance in Kenya: types of policy and who sells themTerm, whole life, education policies — and the 22 life insurers licensed for 2026.2 min read · Updated 23 September 2026Home, business & travel · KenyaHome insurance in Kenya: what a domestic package coversOptional in Kenya: what a domestic package covers, what to compare, and the 90-day claim rule.2 min read · Updated 23 September 2026Home, business & travel · KenyaDriving abroad from Kenya: the COMESA yellow cardThe yellow card for cross-border driving: cover, where to buy, and the *384*254# check.2 min read · Updated 23 September 2026Insurers & your rights · KenyaInsurance complaints by company in KenyaComplaints filed against each insurer, compared with its size.2 min read · Updated 23 September 2026Insurers & your rights · KenyaHow to complain about an insurer in KenyaInsurer first, then IRA: online form, [email protected] or the toll-free line 0800 724 499.2 min read · Updated 23 September 2026Insurers & your rights · UgandaHow to complain about an insurer in UgandaInsurer first, then IRA's online Complaints Bureau at iracomplaints.go.ug.2 min read · Updated 23 September 2026Motor & vehicles · UgandaHow to check a motor third-party sticker in Uganda (digital sticker)Digital stickers since 1 October 2025: buy and check by MTN or Airtel USSD, verify by QR code.2 min read · Updated 23 September 2026Insurers & your rights · UgandaLargest insurance companies in Uganda (2025), comparedEvery insurer ranked by premium, with claims ratios — from the regulator's 2025 figures.2 min read · Updated 23 September 2026Insurers & your rights · UgandaCompare two insurers in UgandaPick two insurers and see them side by side: size, claims ratio, complaints.2 min read · Updated 23 September 2026Insurers & your rights · UgandaLicensed insurance companies in Uganda (2026 list)IRA's August 2026 list: 9 life, 19 non-life, 4 micro-insurers, 1 takaful operator and 1 HMO.2 min read · Updated 23 September 2026Motor & vehicles · UgandaMotor insurance in Uganda: third-party cover and its limitsThe 1989 Act, its UGX 1 million / 10 million limits, the penalty, digital stickers and the COMESA yellow card.2 min read · Updated 23 September 2026Motor & vehicles · UgandaThird-party vs comprehensive car insurance in UgandaIRA's three motor covers side by side: third party, accident fire & theft, comprehensive.2 min read · Updated 23 September 2026Motor & vehicles · UgandaBoda boda insurance in Uganda: third-party cover, premiums and risksPassengers are covered, premiums are set by regulation by engine size, and riders are half of road deaths.2 min read · Updated 23 September 2026Motor & vehicles · UgandaTaxi, bus and commercial vehicle insurance in UgandaRegulated premiums per passenger seat, the offence of using a vehicle without the right cover, and the coming reform.2 min read · Updated 23 September 2026Health & life · UgandaHealth insurance in Uganda: private cover while the national scheme waitsNo national scheme in law yet: how private medical cover and HMOs work, and what to compare.2 min read · Updated 23 September 2026Health & life · UgandaLife insurance in Uganda: policies, insurers and cooling-offThe 9 licensed life insurers, cooling-off periods and what happens when a policy lapses.2 min read · Updated 23 September 2026Home, business & travel · UgandaHome and property insurance in UgandaOptional: what property insurance covers per IRA, and the deadlines insurers must meet to pay.2 min read · Updated 23 September 2026Home, business & travel · UgandaBusiness insurance in Uganda: workers' compensation and propertyEmployers must insure under the Workers Compensation Act; property cover and IRA's claim deadlines.2 min read · Updated 23 September 2026Home, business & travel · UgandaDriving abroad from Uganda: the COMESA yellow cardThe yellow card for cross-border driving, the Uganda Re bureau and the free *284*8070# check.2 min read · Updated 23 September 2026Insurers & your rights · UgandaInsurance complaints by company in UgandaComplaints filed against each insurer, compared with its size.2 min read · Updated 23 September 2026Motor & vehicles · TanzaniaTIRAMIS (TIRA MIS): how to check insurance in TanzaniaTIRAMIS step by step: verify by registration, sticker, cover note or chassis number — and what police can ask.2 min read · Updated 23 September 2026Health & life · TanzaniaNHIF packages compared: Tarangire, Ngorongoro, Mikumi, Serengeti, TanzaniteThe five NHIF packages with their real yearly prices, plus the TZS 150,000 universal basic package.2 min read · Updated 23 September 2026Kwa Kiswahili · TanzaniaBima ya afya Tanzania: NHIF, Bima ya Afya kwa Wote na vifurushiBima ya Afya kwa Wote, vifurushi vya NHIF na bei zake, na jinsi ya kujiunga.2 min read · Updated 23 September 2026Kwa Kiswahili · TanzaniaBima ya gari Tanzania: sheria, TIRAMIS na madaiBima ya mtu wa tatu ni lazima: inalipa nini, adhabu, kuhakiki TIRAMIS na madai.2 min read · Updated 23 September 2026Insurers & your rights · TanzaniaLargest insurance companies in Tanzania (2024), comparedEvery insurer ranked by premium — from the regulator's 2024 figures.3 min read · Updated 23 September 2026Insurers & your rights · TanzaniaCompare two insurers in TanzaniaPick two insurers and see them side by side: size, claims ratio, complaints.2 min read · Updated 23 September 2026Home, business & travel · TanzaniaZanzibar travel insurance: the mandatory US$44 inbound policyMandatory since October 2024: US$44 for 92 days, what it covers, who is exempt and how to claim.2 min read · Updated 23 September 2026Home, business & travel · TanzaniaWCF Tanzania contributions and compulsory business insuranceWCF at 0.5% of payroll, and the compulsory covers for commercial buildings, markets, imports and vessels.2 min read · Updated 23 September 2026Motor & vehicles · TanzaniaMotor insurance in Tanzania: what the law requiresCap. 169 in plain words: what third-party cover pays for, the penalty, and how to check a sticker on TIRAMIS.3 min read · Updated 23 September 2026Motor & vehicles · TanzaniaThird-party vs comprehensive car insurance in TanzaniaWhat the legal minimum pays for, what you only get with a broader policy, and how to compare quotes.2 min read · Updated 23 September 2026Motor & vehicles · TanzaniaBodaboda and bajaji insurance in TanzaniaCarrying paying passengers? Cap. 169 makes passenger cover compulsory. LATRA licensing and helmets explained.2 min read · Updated 23 September 2026Motor & vehicles · TanzaniaDaladala, taxi and ride-hailing insurance in TanzaniaPassenger cover under Cap. 169, LATRA licensing, and the 45-day claim payment rule.2 min read · Updated 23 September 2026Health & life · TanzaniaHealth insurance in Tanzania: NHIF, universal cover and private plansUniversal health insurance started in January 2026. What NHIF's basic package costs and where private cover fits.3 min read · Updated 23 September 2026Health & life · TanzaniaLife insurance in Tanzania: how it works and your right to cancelTerm, whole-life and savings policies — and the right to cancel under section 119 of the Insurance Act.2 min read · Updated 23 September 2026Home, business & travel · TanzaniaHome and property insurance in TanzaniaPrivate homes are optional; commercial buildings and markets must be insured (s.134).2 min read · Updated 23 September 2026Home, business & travel · TanzaniaTravel insurance and the COMESA yellow card in TanzaniaThe COMESA yellow card for cross-border driving, and Zanzibar's mandatory US$44 visitor insurance.2 min read · Updated 23 September 2026Insurers & your rights · TanzaniaInsurance complaints by company in TanzaniaComplaints filed against each insurer, compared with its size.2 min read · Updated 23 September 2026Insurers & your rights · TanzaniaLicensed insurance companies in TanzaniaEvery insurer and takaful operator active on TIRA's register, and how to check a company yourself.2 min read · Updated 23 September 2026Insurers & your rights · TanzaniaHow to complain about an insurer in TanzaniaThe Insurance Ombudsman handles disputes up to TZS 40 million and decides within 60 days.2 min read · Updated 23 September 2026Motor & vehicles · EthiopiaVehicle insurance in Ethiopia: Proclamation 799/2013 explainedProclamation 799/2013: what third-party cover must include, the sticker, emergency treatment and the penalty.3 min read · Updated 23 September 2026Insurers & your rights · EthiopiaInsurance companies in Ethiopia: the 18 licensed insurersThe 18 insurers licensed by the NBE, oldest to newest — from Ethiopian Insurance Corporation (1975) to Zemen (2020).2 min read · Updated 23 September 2026Motor & vehicles · EthiopiaHow to check vehicle insurance in Ethiopia: the sticker and the certificateThe windscreen sticker, the insurer's 24-hour confirmation, police powers and the Insurance Fund.2 min read · Updated 23 September 2026Health & life · EthiopiaHealth insurance in Ethiopia: community-based cover and private plansCBHI reached 63 million people in 2024/25. How it works and where private cover fits.2 min read · Updated 23 September 2026Motor & vehicles · EthiopiaThird-party vs comprehensive vehicle insurance in EthiopiaEthiopia's compulsory cover already includes property damage. What comprehensive adds: your own vehicle.2 min read · Updated 23 September 2026Health & life · EthiopiaLife insurance in Ethiopia: a small market, what to knowLife cover is only 7.5% of premiums in Ethiopia. The types of policy and the questions to ask.2 min read · Updated 23 September 2026Home, business & travel · EthiopiaEmployment injury and business insurance in EthiopiaEmployers are liable regardless of fault: five times annual wages for total disablement or death.2 min read · Updated 23 September 2026Home, business & travel · EthiopiaDriving abroad from Ethiopia: the COMESA yellow cardThe yellow card for cross-border driving: what it covers, the national bureau and what to do after an accident.2 min read · Updated 23 September 2026Insurers & your rights · EthiopiaHow to complain about an insurer in EthiopiaThe insurer has 10 business days to answer, then the NBE complaint office takes over.2 min read · Updated 23 September 2026