Author: Brian Nyabayo Ndege | Reviewer: GetCovered Kenya Editorial Team
CIC Insurance Kenya Overview
CIC Insurance Group PLC is a leading composite insurance and financial services provider in Kenya and the wider East African region. Founded on a strong cooperative heritage, CIC has historically partnered with Savings and Credit Cooperatives (SACCOs) to deliver financial security to millions of Kenyans.
Today, CIC is a modern, publicly listed corporate giant that serves individuals, SMEs, large corporates, and grassroots communities. They operate as a true "one-stop-shop," offering everything from basic motor and micro-insurance to comprehensive corporate medical schemes and life assurance products.
CIC Insurance Company Profile
Information | Details
Company | CIC Insurance Group PLC
Country | Kenya
Headquarters | CIC Plaza, Mara Road, Upper Hill, Nairobi
Insurance type | General, Life, and Microinsurance
IRA status | Licensed (2026)
Key products | Medisure (Medical), Motor, Life, Pensions, Agriculture
Parent/group | The Co-operative Insurance Society Limited
Official website | ke.cicinsurancegroup.com
Last verified | August 2026
Company | CIC Insurance Group PLC
Country | Kenya
Headquarters | CIC Plaza, Mara Road, Upper Hill, Nairobi
Insurance type | General, Life, and Microinsurance
IRA status | Licensed (2026)
Key products | Medisure (Medical), Motor, Life, Pensions, Agriculture
Parent/group | The Co-operative Insurance Society Limited
Official website | ke.cicinsurancegroup.com
Last verified | August 2026
Is CIC Insurance Licensed in Kenya?
Yes. According to the 2026 Insurance Regulatory Authority (IRA) gazette notice, CIC Insurance Group operates three fully licensed subsidiaries in Kenya:
- CIC General Insurance Limited: Authorized as a General Insurer for 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).
- CIC Life Assurance Limited: Authorized as a Long-Term Insurer for Life Assurance (31), Annuities (32), Pensions (33a, 33b), Group Life (34), Group Credit (35), Unit-Linked Investments (37a), and Non-Linked Investments (37b).
- CIC Microinsurance Limited: Authorized to underwrite Micro Insurance (13).
Insurance Products Offered by CIC Insurance
Medical Insurance
Medical insurance is a core pillar of CIC's business. Their Medisure brand is highly recognizable and tiered for different budgets:
- Medisure Family: Comprehensive health cover for individuals and families, featuring inpatient limits from Kshs. 300,000 up to Kshs. 5,000,000. It covers pre-existing conditions (declared and accepted), diagnostics, and major surgeries.
- Medisure Corporate & Medipack (SME): Tailored group health plans for businesses, offering flexible inpatient and outpatient sub-limits.
- Afya Bora / Micro-Health: Highly affordable micro-health insurance plans designed to ensure low-income earners have access to basic medical treatments and hospital cash benefits.
Motor Insurance
CIC provides robust coverage for Kenya's busy roads:
- Motor Private & Commercial: Comprehensive, Third-Party Fire & Theft, and Third-Party Only covers.
- They are known for swift rescue services and flexible premium payment options for retail consumers.
Life Assurance and Pensions
Through CIC Life Assurance, they offer a vast array of protective and savings products:
- Life Protection: Group Life, Last Expense, and individual life assurance plans designed to protect families against the financial impact of the breadwinner's passing.
- Jipange for Retirement: Individual and corporate pension plans to secure financial stability post-employment.
- Education Plans: Structured savings and life policies to guarantee school fee funding.
Business, Property, and Agriculture
- Agriculture Insurance: CIC is highly active in protecting farmers against climate risks, offering crop and livestock insurance.
- Business Solutions: Including WIBA, Domestic Packages, Mjengo Plus (Contractors All Risks), Professional Indemnity, and Marine policies.
CIC Insurance Claims Process
CIC handles an enormous volume of claims, driven by their large cooperative client base.
- Medical Claims: Processed via biometric and smart card systems at their wide network of accredited hospitals countrywide. For cash reimbursements (where approved), clients must submit forms and link a bank account for direct transfer.
- Motor Claims: Customers must submit the standard documentation (police abstract, logbook copy, claim form) and cooperate with CIC's authorized motor assessors.
- Life Claims: The submission of original policy documents and death certificates is required. CIC has a strong reputation for honoring group life and group credit claims from its SACCO partners efficiently.
CIC Insurance Customer Service
- Digital Platforms: CIC offers self-service digital portals and USSD platforms (M-bima) for policy management, premium payments, and claims tracking.
- Branch Network: Headquartered at CIC Plaza in Upper Hill, Nairobi, the company boasts one of the most extensive physical branch and agency networks across Kenya, effectively reaching rural and peri-urban populations.
- Customer Support: Accessible via a centralized contact center, email, and social media channels.
What CIC Insurance Does Well
- Cooperative and Micro-Insurance Heritage: No other major insurer matches CIC’s integration with Kenyan SACCOs. This makes them exceptionally strong at providing affordable micro-insurance (like Afya Bora) to everyday Kenyans.
- Comprehensive Product Suite: With licenses for General, Life, and Micro-insurance, CIC allows a customer to consolidate all their financial protection—from farm insurance and motor cover to life assurance and pensions—under one roof.
- Wide Hospital Network: Their Medisure health plans are backed by an extensive list of accredited hospitals and clinics, ensuring accessibility in almost every county.
Things to Consider Before Choosing CIC Insurance
- Reimbursement Rules: For Medisure policies, reimbursements for treatments outside their designated hospital panels are strictly controlled and may require pre-authorization.
- Waiting Periods: Standard retail health policies and certain life covers enforce specific waiting periods (e.g., 28 days for illnesses, up to 1 year for specific chronic/surgical conditions).
Who May Consider CIC Insurance?
CIC Insurance is highly suitable for:
- SACCO Members and Cooperatives: Seeking to leverage their group membership for discounted life, credit, or health covers.
- Families and Individuals: Looking for structured, reliable medical covers (Medisure) and education policies.
- Farmers and SMEs: Needing accessible WIBA, agricultural, and business asset protection.
CIC Insurance vs Other Insurance Companies in Kenya
When compared to other top-tier composite insurers (like Britam or Jubilee), CIC stands out through its cooperative identity and strength in the micro-insurance space. While competitors might target high-net-worth corporate accounts heavily, CIC balances corporate offerings with a massive, loyal grassroots retail and SME customer base.
How to Get Insurance from CIC Insurance
Customers can request quotes and purchase policies by visiting CIC’s Upper Hill headquarters, any of their countrywide branches, utilizing the M-bima USSD service, or engaging a licensed insurance agent or broker.
GetCovered Kenya can assist you in comparing CIC's Medisure Health, Motor, and Life policies with other leading providers. We help you obtain structured quotations to ensure you choose the best financial protection for your specific needs.
Frequently Asked Questions
Is CIC Insurance licensed in Kenya? Yes. For 2026, the Insurance Regulatory Authority (IRA) has licensed CIC General Insurance Limited, CIC Life Assurance Limited, and CIC Microinsurance Limited.
What insurance does CIC offer?
CIC offers medical, motor, life assurance, pensions, agriculture, WIBA, marine, and various micro-insurance products.
Does CIC Insurance offer medical insurance?
Yes, their Medisure brand provides comprehensive health covers for individuals, families, SMEs, and large corporates.
Does CIC Insurance offer life insurance? Yes. Through CIC Life Assurance Limited, they offer individual life policies, group life, group credit, education plans, and pension schemes.
How do I pay for my CIC Insurance policy?
Premiums can be paid via M-PESA, bank transfers, or through their M-bima digital platform. Certain retail products allow for installment payments prior to cover commencement.
Where is CIC Insurance located in Kenya?
The headquarters is located at CIC Plaza, Mara Road, Upper Hill, Nairobi. They also operate an extensive network of branches across the country.