Everything we get asked, answered in one place.
No sales language. Just the questions people actually ask before they buy cover in Kenya, and honest answers to them.
General questions
BimaNow is an insurance advisory and distribution brand based in Kenya. We help you understand the options available in the market, compare them against your needs and budget, arrange the cover you choose, and support you at renewal and at claim time.
No. Insurance premiums are set by the insurer and filed with the regulator, so you pay the same premium whether you buy direct or through an adviser. The difference is that with an adviser you get comparison, explanation, and someone to call when you need to claim.
Motor and travel cover can often be arranged within the same working day once documents and payment are in order. Medical and life plans take longer because of underwriting, and can take anywhere from a few days to a few weeks depending on the plan and your health history.
To begin, very little — what you are looking for, roughly what you would like to spend, and a way to reach you. Detailed personal, medical or financial information is only requested once you have decided to proceed with a specific application.
Yes, and we would encourage it. Where multiple providers offer a suitable solution, we set out the differences in benefits, exclusions and price side by side so you can make the comparison yourself.
Contact us as soon as the event happens. We will tell you exactly what documents the insurer needs, help you complete the forms correctly, and follow the claim through to settlement. Late notification is one of the most common reasons claims run into difficulty.
Yes. We are happy to review cover you already have, explain what it actually does, and tell you honestly whether it is worth keeping, adjusting or replacing.
We collect only the information needed to advise you and arrange cover, we store it securely, and we share it only with the insurer or provider you choose to proceed with. Our Privacy Policy sets out the full detail, including your rights under the Data Protection Act, 2019.
Guides by solution
Each solution page carries its own FAQ section covering the specifics.
Still not clear?
Ask the assistant in the corner, or send the question straight to an adviser.
Ask a questionInsurance jargon, translated.
The twelve terms that cause the most confusion — and cost the most money when misunderstood.
The amount you pay for the cover, monthly or annually.
The maximum amount the policy will pay out on a valid claim.
The portion of each claim you pay yourself before the insurer pays the rest.
The time after your policy starts before a particular benefit can be claimed.
A medical condition that existed before the policy started. Treated differently by every insurer.
The insurer’s assessment of your risk, which determines whether cover is offered and at what price.
Treatment where you are admitted to hospital.
Treatment where you are not admitted — consultations, medicine, tests.
The person nominated to receive the benefit if you die.
A benefit where the insurer continues paying your premiums if you die or become disabled.
A reduction in premium earned by not claiming in previous policy years.
If you under-insure an asset, the insurer reduces the claim payout in the same proportion.
In-depth guides
Third-party or comprehensive? A plain guide to motor insurance in Kenya
Third-party motor insurance covers damage you cause to others; comprehensive also repairs your own car. Here is how to choose, what each costs, and what the add-ons actually do.
Read the guideChoosing medical cover for a Kenyan family: the four things that matter
Inpatient limits, outpatient budgets, waiting periods and the hospital panel decide whether a medical plan works when you need it. A practical guide for Kenyan families.
Read the guideNot sure where to start? That is exactly what we are for.
Tell us what you are trying to protect and we will come back with options that actually fit — in plain language, with no obligation.