FAQ

Comprehensive insurance covers a wide range of risks, including damage to your vehicle, theft, fire, vandalism, and third-party liabilities. It provides more extensive coverage compared to TPO insurance.

TPO insurance covers only the damage caused to third parties involved in an accident, including their vehicle and property. It does not cover damage to your own vehicle.

Medical insurance, also known as health insurance, covers medical expenses such as hospitalization, doctor visits, surgeries, prescription medications, and other healthcare services. It helps individuals manage the costs associated with medical treatment eg NHIF

Life insurance provides a lump-sum payment to designated beneficiaries in the event of the insured person’s death. It helps ensure financial security for loved ones by replacing lost income, covering funeral expenses, and settling outstanding debts.

An education insurance policy is designed to cover the costs of a child’s education, including school fees, tuition, books, and other related expenses. It ensures that funds are available for a child’s education in the event of the policyholder’s death or disability.

A domestic package insurance policy provides a comprehensive coverage package for homeowners or tenants. It typically includes coverage for the home (building and contents), personal belongings, liability protection, and sometimes additional benefits like personal accident coverage.

Professional indemnity insurance protects professionals (such as doctors, lawyers, consultants, etc.) against claims of negligence, errors, or omissions in the services they provide. It covers legal costs and compensation claims made by clients or third parties due to professional mistakes or advice.

When you need to make a claim, start by reporting the incident promptly, providing detailed information about what happened. Submit any necessary documentation, such as photos, police reports, or medical bills. An adjuster will then assess the damages or losses and review your policy to determine coverage. Once the assessment is complete, the insurance company will make a settlement offer based on the findings. If you agree, they will process the payment according to your policy’s terms. Throughout the process, keep copies of all communication and don’t hesitate to reach out to your insurance agent for guidance or assistance.