A Simple Board Game Where Learners Earn Money, Face Unexpected Events, and Decide Whether Buying Insurance Was Worthwhile

About This Game

1. What is an insurance board game?

It is a tabletop game that teaches players how insurance protects money when unexpected events happen.

2. Can children play this game?

Yes. Teenagers and adults can understand the simple financial concepts with minimal guidance.

3. Does the game use Kenyan locations?

Yes. The board features familiar places such as Westlands, Karen, South B, the CBD, JKIA and Kenyatta National Hospital.

4. Why should insurance remain optional?

Players learn more when they freely decide whether to buy insurance and then experience the consequences.

5. Who can use this game?

Schools, insurance companies, SACCOs, universities, families and corporate organizations can all use it for financial education.

Now imagine creating an experience into a board game.

Players earn salaries. They save money. They invest. Then unexpected events appear. Some players bought insurance early. Others ignored it to keep more cash.

By the end of the game, everyone answers one question.

Was buying insurance worth it?

Here's the thing.

An insurance board game Kenya can teach financial lessons much faster than a long lecture.

 

Why Does This Insurance Board Game Kenya Matter?

Many Kenyans think insurance becomes useful only after disaster strikes.

That's the problem.

Imagine four friends each start the game with KES 100,000.

Three rounds later:

• One player crashes a car.

• Another gets admitted to hospital.

• One loses a phone.

• Another experiences nothing.

Without insurance, one hospital bill alone might cost KES 180,000 at a private Nairobi hospital.

One accident can wipe out months of savings.

The board game lets players experience these decisions without losing real money.

That lesson stays with them.

 

Game Overview

Game Name

Nairobi Risk Challenge

Objective

Finish with the highest net worth after navigating work, business, investments and unexpected life events.

Players

2–6

Playing Time

45–60 minutes

Starting Money

Each player receives:

• KES 100,000 cash

• One career card

• One savings sheet

 

What Does the Game Board Look Like?

Imagine a circular route around Nairobi.

Squares include:

• CBD Office

• Industrial Area

• Karen

• Westlands

• Kilimani

• Thika Road

• Ngong Road

• JKIA

• Kenyatta National Hospital

• Insurance Company

• Bank

• Investment Zone

• Business Centre

• Tax Office

• Chance Events

Every lap represents one month.

Each completed lap earns salary.

 

Which Careers Can Players Choose?

Players randomly pick careers.

Examples include:

Career Monthly Salary

Teacher KES 55,000

Software Developer KES 180,000

Nurse KES 75,000

Small Business Owner KES 90,000

Taxi Driver KES 70,000

Accountant KES 120,000

Higher salaries allow faster investments.

Lower salaries encourage careful budgeting.

 

How Do Players Earn More Money?

The insurance board game Kenya rewards smart financial decisions.

Players can:

• Receive monthly salaries

• Invest in businesses

• Buy rental property

• Open savings accounts

• Purchase shares

• Start side hustles

Every investment increases monthly income.

Example:

Initial salary

KES 70,000

Rental income

KES 20,000

Business income

KES 15,000

Total monthly earnings

KES 105,000

 

Why Should Insurance Be Optional?

Insurance should never feel forced.

Players decide.

Available options include:

• Motor insurance

• Health insurance

• Life insurance

• Business insurance

• Travel insurance

• Home insurance

Each policy costs money every month.

Skipping insurance means more cash today.

Buying insurance reduces future losses.

That's the lesson.

 

How Much Could Insurance Cost Inside the Game?

Insurance Type     Monthly Premium           Maximum Cover

Motor Insurance     KES 4,000                         KES 2,000,000

Health Insurance     KES 3,500                       KES 1,500,000

Life Insurance          KES 2,000                        KES 3,000,000

Business Insurance  KES 5,000                       KES 2,500,000

Travel Insurance         KES 800                          KES 500,000

These figures simplify learning.

Players immediately understand the trade-off.

 

🎯 Protect Your Real Life Too

A board game teaches lessons. Real insurance protects your future.

Compare affordable insurance quotes today with GetCovered Kenya.

 

Which Unexpected Events Should Appear?

Unexpected events keep every game different.

Examples include:

Motor Accident

Repair bill

KES 240,000

With insurance

Player pays KES 10,000 excess.

Without insurance

Player pays the full amount.

 

Hospital Admission

Bill

KES 165,000

With health insurance

Player pays KES 0.

Without insurance

Player pays KES 165,000.

 

Phone Theft

Loss

KES 80,000

Player buys another phone.

 

Business Fire

Damage

KES 950,000

Business insurance covers repairs.

Without insurance

Business closes for three turns.

 

Flight Cancellation

Loss

KES 65,000

Travel insurance refunds eligible expenses.

 

How Can Players Make Claims?

Claims should stay simple.

The player:

1. Shows insurance card.

2. Reads the event card.

3. Pays any excess.

4. Receives compensation from the game bank.

Claims settle instantly.

The goal is education.

 

How Does the Game Show Insurance Value?

Consider two players.

Player A

Bought:

• Motor insurance

• Health insurance

Monthly premiums

KES 7,500

After six months

Premiums paid

KES 45,000

Unexpected losses:

Hospital

KES 180,000

Accident

KES 250,000

Total losses

KES 430,000

Player only pays

KES 10,000 excess

Savings

KES 420,000

 

Player B

Skipped insurance.

Premiums saved

KES 45,000

Unexpected losses

KES 430,000

Final cash reduction

KES 430,000

Saving KES 45,000 ended up costing KES 430,000.

That becomes the biggest lesson of the game.

 

Should Players Also Invest?

Yes.

Insurance protects wealth.

Investments grow wealth.

Players decide between:

• Buying insurance

• Investing more

• Saving cash

• Paying debts

Every decision affects the final score.

 

How Does Someone Win?

The winner has the highest total wealth.

Formula

Cash + Investments + Property + Businesses − Debts

Insurance itself does not add points.

It protects points already earned.

 

What Skills Does This Game Teach?

Players learn:

• Budgeting

• Saving

• Risk management

• Emergency planning

• Investing

• Insurance basics

• Financial discipline

• Long-term thinking

Children and adults can both play.

 

Could Schools Use This Insurance Board Game Kenya?

Absolutely.

Secondary schools already teach business studies.

Universities teach finance.

The insurance board game Kenya makes these lessons practical.

Students remember experiences longer than classroom lectures.

Insurance companies can also use it during financial literacy campaigns.

Employers can use it during staff wellness programs.

SACCOs can introduce it to new members.

The game works almost anywhere.

 

Final Thoughts

Life rarely follows a perfect plan.

One accident.

One illness.

One fire.

One theft.

Any of them can erase years of hard work.

This insurance board game Kenya turns those real-life challenges into practical lessons that players never forget. They learn how to earn, save, invest and protect their wealth while making realistic financial decisions. By the final round, the value of insurance becomes clear through experience rather than theory.

If you want to protect your finances beyond the game board, compare insurance options through GetCovered Kenya and choose cover that matches your budget and lifestyle today.