At CIC Impact, we are redefining insurance through impact, making protection accessible, affordable, and meaningful for every Kenyan. We empower people, families, farmers, and businesses to build resilience, protect what matters most, and thrive with confidence amid life’s uncertainties.

Protecting lives, securing livelihoods, and creating lasting impact.

Our Product Portfolio

COOPCARE MEDICAL COVER

A comprehensive and affordable medical cover for registered groups.

Target Market

  • SACCOs & cooperatives
  • MFIs & affinity groups
  • Registered community groups

Key Features

  • Inpatient cover up to KES 100K- 300K
  • Outpatient cover up to KES 30K -50K
  • Inbuilt Maternity cover • Dental & optical benefits
  • Last expense benefit
  • Cover for chronic illnesses & pre-existing conditions
  • Family cover (up to M+6)

Value Proposition

  • Reduces medical financial burden
  • Promotes access to quality healthcare

IMPACT

Prevents families from falling into poverty due to illness by strengthening access to quality health care.

GROUP FUNERAL EXPENSE COVER (GFE)

Dignity and Financial Support When It Matters Most

Target Market

  • SACCOs & cooperatives
  • Welfare groups
  • Employers & faith-based organizations
  • Registered groups

Key Features

  • Targets registered groups with a minimum of 20 principal members
  • Cover from KES 50,000 to KES 500,000
  • Nuclear & extended family options
  • Optional parents & in-laws cover
  • Flexible exit age (up to no limit)
  • Optional school fees / medical bills welfare protection

Value Proposition

  • Immediate financial relief during bereavement
  • Reduces reliance on fundraising
  • Flexible and inclusive family protection

IMPACT

Eases financial stress and ensures a dignified sendoff.

HOSPITAL CASH BENEFIT

Income Protection During Hospitalization

Target Market

  • Informal sector workers
  • Casual laborers
  • MSMEs & low-income earners

Key Features

  • Daily cash payout during hospitalization
  • Covers illness and accidents
  • Payable from 3rd day
  • Annual benefit up to KES 50,000
  • Optional lodger fees

Value Proposition

  • Replaces lost income
  • Supports daily household needs
  • Simple and accessible

IMPACT

Because even in illness, every family deserves dignity, stability, and hope.

BIASHARA SALAMA

Offers Loan & Stock Protection

Target Market

  • SACCO & MFI borrowers
  • SMEs

Key Features

  • Credit life insurance
  • Permanent disability cover
  • Fire & burglary protection for the stock
  • Optional last expense & political violence cover

Value Proposition

  • Protects businesses and loans
  • Ensures continuity after shocks
  • Enhances lender confidence

IMPACT

Safeguarding the businesses that drive Kenya’s economy through risk management.

JIKINGE GUARDS COVER

Protection for Security Personnel

Target Market

  • Security guards

Key Features

  • Life and disability cover
  • Accidental medical expenses
  • Weekly hospitalization benefit
  • Funeral expense cover
  • No medical tests required

Value Proposition

  • Affordable protection
  • Improves staff moral

IMPACT

Protecting those who protect others.

STUDENT PERSONAL ACCIDENT SOLUTIONS

Offers Protection Against Accidental Injuries

Target Market

  • Schools & universities
  • TVETs & colleges
  • Students on attachment

Key Features

  • Life and disability cover
  • Accidental medical expenses
  • Weekly hospitalization benefit
  • Funeral expense cover

Value Proposition

  • Ensures uninterrupted education
  • 24/7 cover

IMPACT

Ensures that parents & institution’s budget remain resilient, in the event of students accidental injuries.