Insurance comparisons for East Africa
Short answerChecked 23 September 2026
The same question, four countries, one table. Every figure comes from the country guides and their official sources.
Kenya
- All comparisons in KenyaTypes of cover and insurers compared
- Third-party vs comprehensive car insurance in KenyaWhat the Cap. 405 minimum pays for, what only a broader policy covers, and how to compare quotes.
- SHA vs private medical insurance in Kenya: what each coversCompulsory SHA vs optional private cover: price, waiting periods, hospitals — and when to combine them.
- Largest insurance companies in Kenya (2025), comparedEvery insurer ranked by premium, with claims ratios — from the regulator's 2025 figures.
- Insurance complaints by company in KenyaComplaints filed against each insurer, compared with its size.
- Compare two insurers in KenyaPick two insurers and see them side by side: size, claims ratio, complaints.
Uganda
- All comparisons in UgandaTypes of cover and insurers compared
- Third-party vs comprehensive car insurance in UgandaIRA's three motor covers side by side: third party, accident fire & theft, comprehensive.
- Largest insurance companies in Uganda (2025), comparedEvery insurer ranked by premium, with claims ratios — from the regulator's 2025 figures.
- Insurance complaints by company in UgandaComplaints filed against each insurer, compared with its size.
- Compare two insurers in UgandaPick two insurers and see them side by side: size, claims ratio, complaints.
Tanzania
- All comparisons in TanzaniaTypes of cover and insurers compared
- Third-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.
- NHIF packages compared: Tarangire, Ngorongoro, Mikumi, Serengeti, TanzaniteThe five NHIF packages with their real yearly prices, plus the TZS 150,000 universal basic package.
- Largest insurance companies in Tanzania (2024), comparedEvery insurer ranked by premium — from the regulator's 2024 figures.
- Insurance complaints by company in TanzaniaComplaints filed against each insurer, compared with its size.
- Compare two insurers in TanzaniaPick two insurers and see them side by side: size, claims ratio, complaints.
Ethiopia
Regional overviews
- Motor insurance compared: Kenya, Uganda, Tanzania and EthiopiaWhat third-party cover pays, the limits, the penalties and how to check a cover — country by country.
- Public health insurance compared: SHA, NHIF, CBHI and UgandaSHA in Kenya, NHIF in Tanzania, CBHI in Ethiopia, and Uganda's still-missing scheme — who pays what.
- How fast must insurers pay? Claim deadlines in East Africa90 days in Kenya, 10–20 working days in Uganda, 45 days in Tanzania — and what happens if they are missed.
- Work-injury cover for employers: Kenya, Uganda, Tanzania, EthiopiaWIBA insurance in Kenya, WCF 0.5% in Tanzania, compulsory insurance in Uganda, employer liability in Ethiopia.
- Insurance markets compared: Kenya, Uganda, Tanzania, EthiopiaPenetration from 0.3% of GDP in Ethiopia to 2.39% in Kenya, premiums and licensed insurers.
- Insurance groups across East Africa: who is licensed whereBritam, Jubilee, ICEA LION, Sanlam Allianz, CIC… which companies each group holds, country by country.