Author: Brian Nyabayo Ndege | Reviewer: GetCovered Kenya Editorial Team
APA Insurance Kenya Overview
APA Insurance is one of Kenya’s oldest and most comprehensive financial services providers, operating under the Apollo Group (Apollo Investments Limited). The modern APA Insurance was formed from the merger of the general insurance businesses of Apollo Insurance Company (established in 1977) and Pan Africa Insurance (established in 1946).
Today, APA operates multiple specialized subsidiaries in Kenya, offering everything from basic motor and micro-insurance to sophisticated unit-linked investments and international health covers. Backed by strong financial partnerships, including a significant equity stake from Hollard International and reinsurance support from Swiss Re, APA is deeply entrenched in the Kenyan corporate, SME, and retail insurance sectors.
APA Insurance Company Profile
Information | Details
Company | APA Insurance Limited / APA Life Assurance Limited
Country | Kenya
Headquarters | Apollo Centre, 07 Ring Road, Parklands, Nairobi
Established | Merger of Apollo (1977) and Pan Africa (1946)
Insurance type | General, Life, and Micro-insurance
IRA status | Licensed (2026)
Key products | Medical, Motor, Travel, Agriculture, Life, Pensions
Parent/group | Apollo Investments Limited (AIL)
Official website | apainsurance.org
Last verified | August 2026
Company | APA Insurance Limited / APA Life Assurance Limited
Country | Kenya
Headquarters | Apollo Centre, 07 Ring Road, Parklands, Nairobi
Established | Merger of Apollo (1977) and Pan Africa (1946)
Insurance type | General, Life, and Micro-insurance
IRA status | Licensed (2026)
Key products | Medical, Motor, Travel, Agriculture, Life, Pensions
Parent/group | Apollo Investments Limited (AIL)
Official website | apainsurance.org
Last verified | August 2026
Is APA Insurance Licensed in Kenya?
Yes. According to the official Insurance Regulatory Authority (IRA) 2026 gazette notice, the Apollo Group holds three distinct operational licenses in Kenya, allowing them to underwrite almost every class of risk:
- APA Insurance Limited: Licensed as a General Insurer. Authorized to underwrite Aviation (01), Engineering (02), Fire Domestic (03), Fire Industrial (04), Liability (05), Marine (06), Motor Private (07), Motor Commercial (08), Personal Accident (09), Theft (10), Workmen’s Compensation / WIBA (11), Medical (12), and Miscellaneous (14).
- APA Life Assurance Limited: Licensed as a Long-Term (Life) Insurer. Authorized to underwrite Life Assurance (31), Annuities (32), Pensions (33a, 33b), Group Life (34), Group Credit (35), and Investments (37a, 37b).
- APA Microinsurance Limited: Officially licensed as a Micro Insurer (Class 13).
Insurance Products Offered by APA Insurance
Medical Insurance
APA has a highly structured health insurance portfolio catering to different geographic needs and budgets:
- Local Health Insurance: Standard inpatient and outpatient covers tailored for individuals and SMEs operating primarily within Kenya.
- Pan-African and International Health Covers: For expatriates, frequent business travelers, and high-net-worth individuals, APA offers tiered global covers (e.g., Africa & India coverage, Worldwide excluding USA, and full Worldwide coverage).
- Micro-Health Insurance: Accessible, lower-limit covers aimed at the uninsured and lower-income demographics.
Motor Insurance
They provide standard Private Motor and Commercial Motor insurance, offering Comprehensive and Third-Party options. Their comprehensive packages typically cover accidental damage, theft, fire, and third-party liabilities, with optional extensions for excess protectors and political violence.
Life Insurance and Pensions
Through APA Life Assurance, they provide:
- Group Life & Last Expense: Often bundled for corporate employee benefits.
- Individual Pension Plans & Annuities: Designed for retirement planning.
- Unit-Linked Investment Plans & Education Plans: Combining life assurance protection with capital market investments.
Business and Agricultural Insurance
- Agriculture Insurance: APA is a recognized leader in Kenyan agricultural insurance, providing yield index and livestock covers for farmers.
- Corporate & SME Lines: Including WIBA, Fire Industrial, Marine/Single Transit, Liability, and Engineering covers.
Travel Insurance
APA offers instant digital travel insurance covering medical emergencies abroad, trip cancellations, lost luggage, and flight delays, suitable for both Schengen visa applications and general international travel.
APA Insurance Claims Process
APA handles a massive volume of claims across its life, medical, and general divisions.
- Medical Claims: Typically administered seamlessly via smart cards and biometric systems at accredited hospitals across Kenya. For international health claims, members must notify their dedicated medical emergency contact center.
- Motor & General Claims: Customers must submit completed claim forms (available for download on their website), police abstracts, and relevant documentation.
- While APA has previously been recognized in industry awards for claims settlement, exact current settlement ratios are not publicly detailed. They maintain dedicated 24/7 helplines for medical emergencies and general claims follow-ups.
APA Insurance Customer Service
APA operates a multi-channel customer service framework.
- Digital Channels: Customers can buy travel and motor insurance directly online. They also operate a dedicated WhatsApp line (+254 748 664 100) and specific paybill numbers for premium payments.
- Branch Network: Headquartered at Apollo Centre in Westlands, Nairobi, APA maintains a wide footprint across major Kenyan towns.
- Contact Center: +254 709 912 777 (General) and +254 709 912 888 (Medical Admissions).
What APA Insurance Does Well
- Comprehensive License Portfolio: By holding General, Life, and Microinsurance licenses, APA is a true "one-stop-shop" where an individual or corporate can bundle their car, health, pension, and life insurance under one group.
- International Health Capabilities: Their tiered health plans (ranging from local to full worldwide coverage) offer exceptional flexibility for corporates with expatriate staff or business travelers.
- Agricultural Risk Leadership: APA is highly active in agriculture insurance, a vital but complex sector in the Kenyan economy.
Things to Consider Before Choosing APA Insurance
- Complexity of Health Network: If purchasing a localized or micro-health cover, ensure you understand the specific hospital panel restrictions, as these differ vastly from their premium "Worldwide" covers.
- Investment Plan Fluctuations: For those purchasing Unit-Linked Investment plans via APA Life, be aware that returns are tied to market performance and are not guaranteed fixed returns.
Who May Consider APA Insurance?
APA Insurance is an excellent fit for:
- Corporates and Employers: Needing a unified provider to handle WIBA, Group Life, Medical, and corporate pension schemes simultaneously.
- Expatriates & Executives: Seeking health insurance that allows for elective treatments in India, South Africa, or globally.
- Farmers & Agribusinesses: Looking to protect crops and livestock against climate risks.
APA Insurance vs Other Insurance Companies in Kenya
When compared to other tier-one composite insurers (like Jubilee or Britam), APA holds its ground through specialized agricultural insurance and its strategic partnership with Hollard International. While some competitors may offer more aggressive digital-only mobile products, APA provides deep, traditional underwriting capacity backed by significant regional and international reinsurance support.
How to Get Insurance from APA Insurance
Customers can get a quote and buy standard products (like travel and motor) directly from the APA website, visit the Apollo Centre or any regional branch, or utilize licensed intermediaries.
GetCovered Kenya can help you compare APA's medical, motor, and life insurance options against other leading providers. We can assist in obtaining quotations to ensure you choose the policy that best aligns with your personal or corporate requirements.
Frequently Asked Questions
Is APA Insurance licensed in Kenya? Yes. For the 2026 period, the Insurance Regulatory Authority (IRA) has licensed APA Insurance Limited (General), APA Life Assurance Limited, and APA Microinsurance Limited.
What insurance does APA offer?
APA offers almost every class of insurance, including medical, motor, agriculture, travel, life assurance, pensions, WIBA, and corporate liability.
Does APA Insurance offer medical insurance?
Yes, they offer highly flexible health covers ranging from micro-insurance for local citizens to premium worldwide health covers for expatriates and executives.
Does APA Insurance offer life insurance? Yes, through APA Life Assurance Limited, they offer individual life policies, group life, unit-linked investments, and pension plans.
How do I make a claim with APA Insurance?
Medical claims at panel providers are generally cashless. For other claims, forms can be downloaded from their website and submitted with supporting documents. They also provide dedicated emergency phone lines.
Where is APA Insurance located in Kenya?
The headquarters is located at Apollo Centre, 07 Ring Road, Parklands, Westlands, Nairobi. They also operate branches countrywide.