Insulink Kenya Ltd

At Insulink Kenya Ltd, we cater to a niche clientele, ensuring you get the best in the market. Our convenient features save you time and streamline the insurance process. We are committed to transparency, ethical practices, and excellent service to earn and maintain your trust. Our goal is to provide exceptional experiences and build lasting relationships.
Visit www.insulink.co.ke for your insurance needs.

Discover the future of insurance with our platform, where you can compare quotes and buy policies online at your convenience. Walk with us as we strive to pioneer Insurtech with innovative solutions.

Is Kenya ready to embrace this tech revolution in insurance, or is our below 3% pe*******on rate holding us back?

GOOD NEWS!
Through our strategic partnerships with top underwriters, cutting-edge innovation, and unwavering dedication to our clients, Insulink Kenya Ltd is proud to introduce our new insurance aggregator platform.
Discover more at www.insulink.co.ke
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Would you be more comfortable buying your policy online or dealing one-on-one with your intermediary?

Amid discussions on , it's important to highlight a significant issue: The NEW HEALTH SCHEME.
This initiative aims to raise a minimum of Sh148 billion annually to improve healthcare services. Starting next month, every Kenyan household will contribute 2.75% of its income monthly to support these funds.

With reduced budget allocations for public health in the latest national budget, the government has adjusted medical scheme rates, increasing financial burdens for medical services. From July 1, 2024, healthcare will operate under the new Social Health Authority (SHA), overseeing these funds.

Have you registered for SHIF yet? It's time to ensure your access to essential healthcare services?

Unlocking a world of health possibilities! Dive into the ease of online insurance comparison with www.insulink.co.ke Swipe, Compare, and secure the best policy for yourself and your loved ones.

EX-GRATIA PAYMENT: Refers to a payment made by an insurance company out of goodwill, rather than as an obligation under the terms of the insurance policy. These payments are made in exceptional circumstances when the insurance company chooses to provide compensation to a policyholder, even though the situation might not be covered explicitly by the insurance policy.

REINSTATEMENT: When a policyholder fails to pay the premiums within the grace period specified in the insurance policy, the policy may lapse or be canceled, meaning the coverage is no longer in force. Reinstatement provides an opportunity for the policyholder to revive the policy without having to purchase a new one.

INSURABLE INTEREST is a fundamental principle in Insurance that states that an insurance policy is only valid and enforceable if the policyholder has a legitimate financial interest in the person or the property being insured

Shield yourself and your business from unforeseen risks with our tailored Liability Insurance Solutions. Let's chat about your coverage needs today.

GROUP LAST EXPENSE INSURANCE/GROUP FUNERAL INSURANCE:
This policy is ideal for registered groups such as; SMEs, Microfinance Institutions, Sacco’s, and Investment groups, with a minimum of 10 principal members. The policy owner must be an employee or a member of the insured group.
The limits vary from 50,00/- to 500,000/- with options of a single claim or multiple claims.
You can choose to cover your nuclear family or your extended family. With as little as 1000/- annually, you can get yourself a cover.
Talk to us now, let's get you started! Don't be overwhelmed with bills after the loss of a loved one.

HEALTH INSURANCE
Your health and well-being matter to us, and that's why we are here to ensure you get the best insurance policies, that offer you comprehensive coverage despite your budget. We pride ourselves in Local Expertise, Reliable Support, Tailored Policies, and competitive Rates. Let's get you the perfect coverage.

As an independent insurance agency, we prioritize our clients' best interests when working with underwriters to secure the best customized policies for them.
We specialize in and tailored solutions targeting different niches like et al.
Let's walk with you through your insurance journey as we strive to live up to our promise: Redefining your insurance experience.

Marine Cargo Insurance and Marine Hull Insurance are two distinct types of insurance policies that focus on different aspects of maritime risks. These insurance policies play a crucial role in mitigating financial losses related to maritime activities. Let's get you the perfect coverage.

Imagine you have car insurance, and another driver who is at fault in an accident damages your car. Your insurance company pays for the repairs to your vehicle. Afterward, your insurance company may decide to pursue the at-fault driver or their insurance company to recover the money they paid to fix your car. Subrogation helps prevent you from having to bear the financial burden of the loss caused by someone else's actions, and it also helps keep insurance premiums in check by ensuring that those responsible for accidents bear the costs.

At Insulink, we understand that every business is unique, and faces its own set of challenges and opportunities. That's why we believe in tailored protection that suits your specific needs. We specialize in crafting customized policies that provide a shield of security around what matters most to you. From comprehensive property coverage to specialized liability plans, we've got you covered. Don't settle for one-size-fits-all solutions – Let's design an insurance strategy that grows with your business aspirations. Your peace of mind is our priority. Contact us today to discover how we can safeguard your business's future.

MARKET VALUE AND REPLACEMENT VALUE are two different methods used to assess the value of an asset, and they are often used in insurance to determine the coverage amount for that asset.
Market Value considers the current worth of the asset in its used condition, while Replacement Value focuses on the cost of getting a new, equivalent asset. The choice between these two types of coverage can significantly impact the amount you receive from your insurance claim.
Replacement Value Coverage typically has higher premiums but can provide peace of mind when it comes to items that are critical to your day-to-day life or business operations, as it ensures that you can replace them with new ones if they are damaged or lost.
For your home and property insurance, Insulink will ensure you get the best asset protection. #

REINSTATEMENT IN INSURANCE:
When you reinstate a policy, it essentially goes back into effect as if it had never lapsed, providing you with continued insurance coverage. To reinstate a policy, you typically need to pay any outstanding premiums, fees, or penalties, and meet any other requirements specified by the insurance company. Once reinstated, your coverage is restored, and you can continue to benefit from the protection offered by your insurance policy.

EX GRATIA PAYMENT IN INSURANCE
An ex gratia payment is a gesture of goodwill. It's made following a specific loss or damage to a property. There is no legal obligation hence the insurer will not carry an admittance of liability.

CONSULTANTS' INSURANCE:
Whether you offer Strategic Advice, Technical Solutions, Creative services, a Career Coach, Fitness & Wellness Trainer, or an IT Consultant, we've got you covered. We have partnered with the best underwriters in town to ensure we give you the perfect insurance coverage from liabilities, customized just for you! Your unique risks need unique coverage. Let's get you started (link in bio)

SUBROGATION:
Imagine you have car insurance, and another driver who is at fault in an accident damages your car. Your insurance company pays for the repairs to your vehicle. Afterward, your insurance company may decide to pursue the at-fault driver or their insurance company to recover the money they paid to fix your car. Subrogation helps prevent you from having to bear the financial burden of the loss caused by someone else's actions, and it also helps keep insurance premiums in check by ensuring that those responsible for accidents bear the costs.

SUPPLIERS INSURANCE:
As a supplier, your business plays a vital role in the supply chain. These are some of the insurance policies you should consider to give you financial protection, mitigate general business risks, liability coverage, employee coverage while ensuring business continuity in the face of unforeseen circumstances. Our team of expertise will help together with our partner underwriters will ensure you get proper coverage by giving you policies tailored to your insurable interests.

BUSINESS INSURANCE:
At Insulink, we understand that every business is unique, and faces its own set of challenges and opportunities. That's why we believe in tailored protection that suits your specific needs. We specialize in crafting customized policies that provide a shield of security around what matters most to you. From comprehensive property coverage to specialized liability plans, we've got you covered. Don't settle for one-size-fits-all solutions – Let's design an insurance strategy that grows with your business aspirations. Your peace of mind is our priority. Contact us today to discover how we can safeguard your business's future.

This risk management aspect of insurance is particularly important in maintaining stability and promoting economic growth by enabling businesses to operate confidently in the face of uncertainties. By paying regular premiums, policyholders can secure coverage against various risks such as property damage, liability claims, medical expenses, and more. This enables them to focus on their activities without being overly concerned about the potential financial consequences of unexpected events.

The principle of indemnity ensures that the compensation provided is proportional to the actual losses suffered. It aims to prevent the policyholder from profiting from the insurance claim and only provides financial support to bring them back to the financial state they were in before the loss occurred. This means that the compensation amount takes into account factors such as depreciation, market value, and the cost of repair or replacement.

SME/BUSINESS INSURANCE:
As an ambitious entrepreneur in Kenya, you’re constantly striving for success. But don’t forget about safeguarding your business along the way.
General Liability Insurance: Protect your business from third-party claims for bodily injury, property damage, and personal injury. A must-have for all small businesses.
Professional Liability Insurance: If you provide professional services or advice, this coverage shields you from claims of negligence or errors. Keep your reputation intact!
Property Insurance: Safeguard your physical assets (buildings, equipment, inventory) from damages caused by fire, theft, or natural disasters. Keep your business running no matter what!
Business Interruption Insurance: Be prepared for the unexpected! This insurance helps you recover lost income and covers ongoing expenses if your business is temporarily disrupted because of the insured risks.
Cyber Liability Insurance: In today’s digital world, cyber protection is essential. Shield your business from data breaches and cyberattacks.

Securing Your Chama's Future & Investment: Discovering Customized Insurance Options for Investment Collectives in Kenya. Whether it's Group Health, Funeral Expenses, or Liability coverage, our expertise, and strong partnerships ensure the ideal protection for you

TRADERS' INSURANCE (Imports and Exports)
When it comes to international trade, there are numerous risks and uncertainties that traders face on a daily basis. These risks can range from damaged or lost goods during transit to customs delays, political instability, currency fluctuations, and even non-payment from buyers. These challenges can significantly impact a trader’s bottom line and overall business success. As a trader, you need this customized policy for Risk Mitigation, Financial Security, Compliance with Contractual Obligations, Business Continuity, and Reputation Protection. Talk to us: https://insulink.co.ke/insurance-for-traders-imports-exports/ let's get you the perfect coverage.

PROPERTY INSURANCE
Secure your real estate investment with Property Insurance. From residential to industrial properties, owning a property comes with risks like fire, theft, and natural disasters that can lead to heavy financial losses. Property Insurance acts as a safety net, enabling recovery and rebuilding after unexpected events. Talk to us, our team will be more than delighted to walk with you through this journey of protecting your investment. https://insulink.co.ke/property-insurance/