MyKava Travel & Insurance

Medical Insurance Cover for Every Stage of Life in Kenya

Hospital bills don’t wait for your savings to be ready. One admission, emergency, or diagnosis can change everything.

At Imana Insurance Agency, we help you compare and buy affordable medical insurance covers for:
✅ Individuals
✅ Children
✅ Families
✅ Senior Citizens
✅ SMEs, Chamas & Welfare Groups
✅ Corporates & Staff Medical Schemes

Get access to benefits such as Inpatient, Outpatient, Maternity, Dental, Optical, Last Expense, Chronic Illness Support and Senior Medical Cover — depending on the plan you choose.

Cover available from 1 day old to 80+ years depending on provider.
Premiums start from as low as KSh 4,000 per year.

Whether you need a simple personal cover, family protection, senior cover for your parents, or staff medical scheme for your business — we help you compare options that fit your age, budget, hospital preference and medical needs.

Don’t wait until hospital bills start knocking.

Call/WhatsApp: +254 745 218 460 | +254 113 619 635 | +254 113 806 810 | +254 103 806 588
Website: www.imana.co.ke | www.mykava.co.ke
Office: 4th Floor Krishna Centre, Woodvale Grove, Westlands, Nairobi
M-Pesa Paybill: 7596117

Compare. Buy. Save.

Nunua PSV Taxi Insurance Online — Haraka na Rahisi

Unahitaji PSV Taxi Insurance Kenya? Tunaifanya iwe rahisi.

Available options:
Third Party Only kutoka Ksh. 7,574
Comprehensive kutoka 4.5% ya thamani ya gari

Unachohitaji kutuma:
• Copy ya ID
• KRA PIN
• Copy ya logbook
• Registration number ya gari

Malipo:
M-Pesa Paybill: 7596117
Account Number: Car Registration Number

Baada ya kutuma documents na kufanya malipo, tunakusaidia kupata cover yako kwa haraka na kwa njia rahisi.

Imana na MyKava hukusaidia compare, save and buy cover sahihi.

Call/WhatsApp: +254 745 218 560 | +254 103 806 588 | +254 113 806 810
Website: www.imana.co.ke | www.mykava.co.ke
Office: 4th Floor Krishna Centre - Westlands Nairobi

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Kwa Nini Lazima Uwe na Third-Party Motor Insurance Kenya

Tukubaliane ukweli — barabara za Kenya hazitabiriki.

Leo unaendesha vizuri, ghafla boda boda anakukata, matatu inajipenyeza, mtu anafunga breki vibaya, ama ajali ndogo inageuka kuwa gharama kubwa.

Ndiyo maana Third-Party Motor Insurance si karatasi ya kuonyesha polisi tu — ni kinga ya kisheria na kifedha ambayo kila mmiliki wa gari nchini Kenya anapaswa kuwa nayo.

Third-Party Insurance hukulinda dhidi ya liability ya kusababisha:
✅ Kuumia kwa mtu mwingine
✅ Kifo cha mtu mwingine
✅ Uharibifu wa gari au mali ya mtu mwingine

Lakini kumbuka jambo muhimu:
Third-Party hailipi uharibifu wa gari lako mwenyewe.
Inalinda watu wengine — si gari yako.

Kwa magari ya private nchini Kenya, gharama ya Third-Party mara nyingi huwa kati ya Ksh. 5,000 hadi Ksh. 15,000 kwa mwaka, kutegemea insurer, matumizi ya gari na class ya cover.

Kwa Imana Insurance Agency Kenya Ltd, tunakusaidia kupata cover kwa urahisi, haraka na kwa uaminifu.

Hakuna foleni.
Hakuna lugha ngumu ya bima.
Hakuna usumbufu usio wa lazima.

Unachofanya ni:
1. Tembelea mtandao wetu au tutumie WhatsApp
2. Pata quotation bure
3. Tuma copy ya ID/Passport, Logbook na KRA PIN
4. Lipa kwa M-Pesa
5. Pokea certificate yako kupitia WhatsApp au Email

Rahisi hivyo. Haraka hivyo. Safi hivyo.

Wasiliana Nasi
🌐 www.imana.co.ke | www.mykava.co.ke
📞 +254 103 806 588 | +254 113 806 810
📍 4th Floor Krishna Centre, Westlands, Nairobi Kenya

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Need a Security or Immigration Bond in Kenya? Talk to Imana.

Whether you are applying for a work permit, investor permit, dependant pass, student pass or missionary permit, you may be required to provide a Security/Immigration Bond.

We assist:
✅ Foreign employees
✅ Employers hiring expatriates
✅ Investors
✅ Students
✅ Dependants
✅ NGOs
✅ Churches and missions
✅ Long-term foreign residents

At Imana Insurance Agency Kenya Ltd, we make insurance bonds easier to understand and easier to arrange.

No confusion. No guesswork. Just clear guidance and professional support.

Call/WhatsApp: +254 796 209 402 | +254 113 619 635
Website: www.imana.co.ke | www.mykava.co.ke
Office: 4th Floor Krishna Centre, Woodvale Grove, Westlands, Nairobi

Medical insurance kuanzia KSh 4K kwa mwaka? Inawezekana.

Kupitia MyKava Medical Insurance, unaweza kupata bima ya afya nafuu kwa mtu binafsi, familia, watoto na vikundi bila kusukuma budget yako kupita uwezo.

Usingoje hospital bill ikushangaze ndio uanze kutafuta cover.

Unapata:
✅ Malipo nafuu kwa mwaka
✅ Inpatient cover
✅ Outpatient cover
✅ Watoto wanaweza kuwa na cover yao binafsi
✅ Cover kwa chronic na pre-existing conditions
✅ East Africa coverage hata ukiwa safarini

Stay protected. Stay prepared.
MyKava. MyHealth.

Call/WhatsApp: +254 745 218 560 | +254 103 806 588 | +254 113 806 810 | +254 113 619 635
Website: www.imana.co.ke | www.mykava.co.ke
Office: 4th Floor Krishna Centre - Westlands Nairobi
M-Pesa Paybill: 7596117
Account Number: Your Full Name

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Linda afya ya wazazi wako wanapozeeka

Kadri wazazi wetu wanavyozeeka, ndivyo mahitaji yao ya matibabu yanavyoongezeka. Bima ya afya kwa wazee huwasaidia kupata matibabu bila kutegemea pesa taslimu kila wakati wanapougua.

Faida za cover hii zinaweza kujumuisha:
• Kulazwa hospitalini (Inpatient)
• Matibabu ya nje (Outpatient)
• Usimamizi wa magonjwa ya muda mrefu
• Uchunguzi wa madaktari bingwa
• Dental na Optical
• Vipimo vya afya vya mara kwa mara kutegemea mpango

Kwa nini wazee wanapaswa kuwa na medical insurance?
Kwa sababu gharama za matibabu zinaweza kupanda ghafla, na cover huwapa utulivu, heshima na urahisi wa kupata huduma wanapozihitaji.

Piga simu/WhatsApp: 0745218460 / 0113806810 / 0103806588
Tovuti: www.imana.co.ke / www.mykava.co.ke
Ofisi: 4th Floor Krishna Centre, Westlands

Taxi/PSV Comprehensive Insurance for Uber, Bolt & Ride-Hailing Cars in Kenya

Responding to client enquiries

“I would like to know more about your Taxi/PSV Comprehensive Insurance policy for my vehicle. Kindly assist me with details about:

- Annual premium cost
- What is covered
- Excess charges
- Passenger liability cover
- Theft and accident coverage
- Windscreen and entertainment cover
- Claim process and required documents
- Payment installment options

My vehicle is a Nissan Note of 2018 valued at Ksh.1,350,000used as a uber taxi/PSV.
What if I prefer to go with Third Party Only Cover?”

Thank you for reaching out.

For a 2018 Nissan Note valued at Ksh.1,350,000 and used as an Uber/Taxi/PSV vehicle, you can choose between:
1. Comprehensive PSV Taxi Insurance
2. Third Party Only PSV Taxi Insurance

The best option depends on whether you want protection for your own vehicle or only want to meet the legal requirement.

1. Comprehensive PSV Taxi Insurance
For PSV taxi vehicles, comprehensive insurance is usually calculated as a percentage of the vehicle value.

For your Nissan Note valued at Ksh.1,350,000, comprehensive cover may start from around:
5.5% of vehicle value
Estimated premium:
Ksh.1,350,000 × 5.5% = Ksh.74,250 per year

This is an estimate. Final premium may vary depending on the insurer, vehicle details, driver profile, valuation report, policy benefits and underwriting terms.

What Is Covered Under Comprehensive PSV Taxi Insurance?

A comprehensive PSV taxi policy may cover:
✅ Accidental damage to your own vehicle - If your car is involved in an accident, the insurer can pay for repairs subject to policy terms.
✅ Theft of the vehicle - If the vehicle is stolen, compensation may be made based on the insured value and policy conditions.
✅ Fire damage - Damage caused by fire may be covered.
✅ Third-party liability - This covers injury, death or property damage caused to other road users.
✅ Passenger liability - Because the vehicle carries fare-paying passengers, PSV passenger liability is important. It protects passengers in case of injury while using the vehicle, subject to policy limits.
✅ Windscreen cover - This helps replace or repair a damaged windscreen, usually up to the limit stated in the policy.
✅ Entertainment system cover - This may cover the radio/music system or related entertainment equipment up to the policy limit.
✅ Towing and recovery support - Some insurers may include towing or recovery after an accident, depending on the package.
✅ Optional benefits - You may also request add-ons such as Excess Protector, Political Violence & Terrorism cover, Courtesy Car, Road Rescue and Personal Accident cover.

Excess Charges: What Does Excess Mean?

Excess is the amount the client contributes when making a claim.

For example, if your claim is approved, the insurer may require you to pay a percentage or fixed amount before repairs are completed.

Common excess charges may include:
Own damage excess — usually a percentage of the claim or vehicle value
Theft excess — may be higher than accident excess
Young/inexperienced driver excess — may apply depending on the driver
Third-party property damage excess — may apply depending on insurer terms

You can reduce the stress of excess payments by adding Excess Protector at an extra premium.

Theft and Accident Coverage
With comprehensive cover, your vehicle is protected against both accident damage and theft, subject to policy terms.

This is very important for Uber, Bolt, Little Cab, Yego, corporate taxi and other PSV taxi vehicles because the car is a business asset. When the car is off the road, income is also affected.

Comprehensive cover protects both the vehicle and the business behind the vehicle.

Windscreen and Entertainment Cover
Most comprehensive motor policies include windscreen and entertainment system limits.

For example, the policy may provide a specific amount for:
Windscreen replacement
Radio or entertainment system damage/theft

The exact limits depend on the insurance company selected.

Claim Process and Required Documents
In case of an accident or claim, you should contact your insurance intermediary immediately.

At Imana Insurance Agency, we guide clients through the full claims process.

Common claim requirements include:
1. Copy of insurance certificate
2. Copy of driver’s licence
3. Police abstract
4. Photos of the accident scene and vehicle damage
5. Filled claim form
6. Assessment report
7. Repair estimate from approved garage
8. PSV details where required

For theft claims, additional police and investigation documents may be required.

The most important thing is this: report the accident early, take photos, do not admit liability at the scene and notify your insurer or agent immediately.

Payment Installment Options
Some insurers may allow premium financing or installment arrangements through approved partners. Imana will organize that.

However, many motor policies require full premium payment before cover is issued, especially for PSV vehicles.

At Imana, we can help you compare available options and confirm whether installment payment is available depending on the insurer selected.

What If You Prefer Third Party Only PSV Cover?
Third Party Only is the cheaper option.

For PSV taxi vehicles such as Uber/Bolt, Third Party Only cover may cost around: Ksh.7,574 per year

This gives you the legal minimum cover required to operate on the road.

However, Third Party Only does not cover damage to your own car.

Third Party Only Covers:
✅ Injury or death caused to third parties
✅ Third-party property damage
✅ Passenger liability, depending on PSV class and policy terms
✅ Legal compliance for PSV taxi operation

Third Party Only Does NOT Cover:
❌ Repair of your own vehicle after an accident
❌ Theft of your car
❌ Fire damage to your car
❌ Windscreen damage
❌ Entertainment system damage
❌ Courtesy car
❌ Own damage repairs

So if your Nissan Note is involved in an accident, you will repair it from your own pocket unless the other party is legally liable and recovery is successful.

Best Recommendation
For a 2018 Nissan Note valued at Ksh.1,350,000 and used as an Uber/PSV taxi, comprehensive insurance is the smarter option if the vehicle is still valuable and actively generating income.

Third Party Only is cheaper, yes — but it only keeps you legally compliant. It does not protect your investment.

Our honest advice:
If the car is your daily source of income, go comprehensive where possible. If your budget is tight, Third Party Only can work as a minimum legal cover, but you must understand the risk.

Documents Required to Buy PSV Taxi Insurance
To issue cover, you may be required to share:
✅ Copy of logbook
✅ Copy of ID or passport
✅ KRA PIN
✅ Vehicle valuation report for comprehensive cover
✅ Preferred cover start date

Talk to Imana Insurance
At Imana Insurance Agency Kenya Ltd, we help taxi owners compare PSV insurance quotes from trusted insurance companies and choose the right cover for their vehicle.

Call/WhatsApp: +254 113 806 810 | +254 103 806 588 | +254 745 218 460
Website: www.imana.co.ke | www.mykava.co.ke
Office: 4th Floor, Krishna Centre, Westlands, Nairobi

M-Pesa Paybill: 7596117
Account Number: Vehicle Registration Number

Why Do Hospitals Ask for SHA/SHIF Details When You Already Have Private Medical Cover?

Many clients ask this, and honestly, it can feel confusing at admission. You walk into hospital with a private medical card, but the hospital still asks for your SHA/SHIF details before admitting you.

Here’s why.

1. SHA/SHIF May Be the First Layer of Cover
In Kenya, SHA is now the public health insurance authority, and hospitals often check whether a patient is registered and eligible before processing admission. The SHA platform provides registration and eligibility channels for members and employers, which hospitals may use to confirm patient details.

Private medical insurance may then come in as an additional layer, especially where the bill goes beyond what SHA/SHIF can support.

2. Hospitals Want to Know Who Pays What
Before admission, hospitals need to confirm:
• What SHA/SHIF can cover
• What your private insurer can cover
• What may remain as co-pay, excess, deposit, or out-of-pocket payment

This helps the hospital avoid confusion when the bill is being split between public cover, private insurance, and the patient.

3. Some Benefits May Be Coordinated
Certain medical services may be assessed through SHA/SHIF or related public health funds depending on the benefit type and facility level. SHA benefit documents also refer to access rules, tariffs, and cases where pre-authorisation may apply.

That is why hospitals may ask for SHA details even when you also have a private cover.

4. Private Insurers May Require SHA Details Too
Some private medical insurers may ask hospitals to first confirm whether the client has SHA/SHIF support, especially for admissions, surgeries, maternity, chronic illness, critical illness, or high-cost treatment.

It does not mean your private cover is useless. It means the hospital is trying to process the claim correctly.

5. It Helps Reduce Out-of-Pocket Costs
When SHA/SHIF and private medical insurance work together properly, the client may benefit because part of the bill can be handled through public cover and the balance through private insurance, depending on the terms of both covers.

That is the whole point: reduce pressure on your pocket.

6. Hospitals Also Use It for Records and Compliance
Hospitals must keep accurate admission, billing, insurance, and patient records. Asking for SHA/SHIF details helps them confirm the patient’s public health insurance status and avoid billing disputes later.

Simple Way to Understand It

SHA/SHIF is the public health cover layer.
Private medical insurance is your stronger backup and top-up layer.

Having both can work in your favour — but only if you understand your benefits, limits, exclusions, hospital panel, pre-authorisation rules, and what must be presented before admission.

At Imana Insurance Agency, we help individuals, families, senior citizens, SMEs, chamas, and corporates compare medical covers and understand how SHA/SHIF works alongside private medical insurance.

Call/WhatsApp: +254 745 218 460 | +254 113 619 635 | +254 113 806 810 | +254 103 806 588
Website: www.imana.co.ke | www.mykava.co.ke
Office: 4th Floor Krishna Centre, Westlands, Nairobi

Compare. Buy. Save. Protect your health before hospital bills start speaking louder than your wallet.

Endesha Pikipiki Yako Kwa Kujiamini — Tumekushika!

Pikipiki yako si chombo cha usafiri tu — ni hustle yako, biashara yako, na maisha yako ya kila siku. Usijipeleke barabarani bila bima wakati kupata cover ni rahisi hivi.

Pata Bima ya Pikipiki kuanzia Ksh. 3,500 na ujilinde wewe, pikipiki yako, na watumiaji wengine wa barabara.

Iwe unatumia pikipiki kwa matumizi binafsi, delivery, biashara, ama boda boda, tunakusaidia kuchagua cover inayokufaa kabla ya kununua.
✅ Bima ya ajali
✅ Ulinzi dhidi ya wizi
✅ Medical cover options
✅ Third-party liability protection
✅ Cheti cha bima kwa haraka
✅ Unaweza kununua kupitia WhatsApp

Kwa Imana Insurance Agency Kenya Ltd na MyKava Online Insurance, tunarahisisha bima ya pikipiki — haraka, wazi na kwa bei nafuu.

Call/WhatsApp: 0113 619 635 | 0113 806 810 | 0103 806 588 | 0745 218 460
Website: www.imana.co.ke | www.mykava.co.ke
Ofisi: 4th Floor Krishna Centre, Westlands — Nairobi, Kenya

Endesha smart. Endesha legal. Endesha ukiwa covered.