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Micro Insurance

Affordable Insurance Protection for Every Kenyan.

Protect your family, business and future with simple, affordable micro insurance solutions designed for everyday life.

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Insurance for Everyone

What is Micro Insurance?

Micro insurance provides affordable protection designed for low-income earners, small businesses, entrepreneurs and families. Simple products, accessible premiums, and straightforward claims — so that everyone can enjoy peace of mind.

From KES 300

Premiums built for real everyday budgets.

Simple cover

Clear benefits, no small-print surprises.

Fast claims

Paid to M-Pesa or bank within days of approval.

Our Micro Insurance Products

Simple, affordable covers for every Kenyan.

From
KES 500

Micro Property Insurance

Protect your shop, stock and home essentials.

Affordable protection for small businesses and household assets against fire, theft and accidental damage.

  • Fire and lightning protection
  • Theft and burglary cover
  • Accidental damage
From
KES 300

Hospital Cash Insurance

Daily cash when you are admitted to hospital.

A daily cash benefit during covered hospital admissions to help meet incidental expenses.

  • Daily cash benefit
  • Pays alongside medical insurance
  • No receipts needed
From
KES 400

Personal Accident with Last Expense

Accident cover and dignified last expense support.

Benefits for accidental death or disability together with last expense support, subject to policy terms.

  • Accidental death benefit
  • Permanent disability benefit
  • Last expense lump sum
Why RiskMate

Protection built for real Kenyan lives.

Human-first support

Real advisors on WhatsApp and phone whenever you need them.

Affordable by design

Weekly, monthly and annual premiums — priced for everyday earners.

Regulated and trusted

Underwritten by leading IRA-licensed insurers across Kenya.

Ready to protect what matters most?

Chat with a licensed advisor on WhatsApp — or browse plans and buy online in minutes.

Call +254 743 694 879WhatsApp: +254 743 694 879