Microinsurance is designed to provide affordable and accessible insurance products for low-income earners, small businesses, farmers, gig workers, and underserved communities. According to the Insurance Regulatory Authority (IRA), there are currently five licensed microinsurance companies operating in Kenya as of March 2026.
Source & Disclaimer:
The list below is based on the official Insurance Regulatory Authority (IRA) Licensed Entities Registry 2026, published by the regulator as of 30th March 2026. The IRA is the statutory body responsible for regulating, supervising, and developing the insurance industry in Kenya. The companies listed are the officially licensed microinsurance providers authorized to transact microinsurance business in Kenya. Readers are encouraged to verify the latest licensing status directly from the IRA website, as licensing and regulatory approvals may change over time.
Official IRA Licensed Entities Registry 2026:
Insurance Regulatory Authority (IRA) Licensed Entities 2026
1. Britam Microinsurance Company (K) Limited
Britam Microinsurance is one of the largest players in Kenya’s microinsurance sector, offering affordable protection solutions for individuals, SMEs, farmers, and informal sector workers. The company has leveraged technology and partnerships to increase insurance accessibility across the country.
Key Focus Areas
- Health insurance
- Personal accident cover
- Agricultural insurance
- SME protection
2. CIC Microinsurance Limited
CIC Microinsurance focuses on providing simple and affordable insurance products tailored to individuals, cooperatives, community groups, and small businesses. It benefits from the extensive experience and reach of the CIC Group.
Key Focus Areas
- Health cover
- Life insurance
- Savings-linked products
- Group insurance
3. APA Microinsurance Limited
APA Microinsurance continues to expand affordable insurance solutions targeting small businesses, low-income households, and agricultural communities through innovative and technology-driven products.
Key Focus Areas
- Agriculture insurance
- SME cover
- Personal protection
- Inclusive insurance products
4. Birdview Micro Insurance Limited
Birdview is one of Kenya’s newest licensed microinsurance companies and focuses on providing affordable insurance solutions for local communities and Kenyans in the diaspora. The company has rapidly grown through digital distribution and strategic partnerships.
Key Focus Areas
- Medical cover
- Diaspora insurance
- Hospital cash plans
- Family protection products
5. Turaco Microinsurance Limited
Turaco specializes in embedded and digital-first insurance solutions designed to reach underserved populations through partnerships with financial institutions, mobile platforms, and businesses.
Key Focus Areas
- Digital insurance
- Embedded insurance
- Health protection
- Mobile-based coverage
Conclusion
As of March 2026, Kenya has five officially licensed microinsurance companies recognized by the Insurance Regulatory Authority:
- Britam Microinsurance Company (K) Limited
- CIC Microinsurance Limited
- APA Microinsurance Limited
- Birdview Micro Insurance Limited
- Turaco Microinsurance Limited
These companies are playing a critical role in improving financial inclusion by making insurance more affordable, accessible, and relevant to millions of Kenyans who may not traditionally access conventional insurance products.
