Frequently Asked Questions

General

APA Insurance is part of the Apollo Group, one of East Africa's leading insurance groups. We provide motor, health, life, agriculture, liability, and property insurance solutions across Kenya, Uganda, and Tanzania.

General

APA offers a broad range of general insurance products including motor, health, agriculture, property, and liability cover. We also provide life assurance through APA Life, microinsurance solutions, and asset management services through Apollo Asset Management.

Quotes

You can request a quote through our website, visit an APA branch, call our customer service line, or speak with an authorised APA agent. For motor insurance, you may also use our online quote tools where available.

Quotes

Typically you will need your vehicle registration details, logbook or ownership information, the driver's details, and information about how the vehicle is used. Additional documents may be required depending on the type of cover you choose.

Motor

Third-party insurance covers damage or injury you cause to other people and their property. Comprehensive insurance additionally covers damage to your own vehicle from accidents, theft, fire, and other insured events, subject to policy terms and conditions.

Motor

Report the incident to APA as soon as possible through our claims hotline, email, or by visiting a branch. Provide your policy number, details of the incident, photos where available, and a police abstract if required. Our claims team will guide you through the next steps.

Motor

Repairs are typically handled through APA's approved service provider network to ensure quality and smoother claims processing. You can search approved garages and service providers on our Service Providers page or contact our claims team for guidance.

Health

Health cover varies by plan but generally includes outpatient and/or inpatient services, consultations, diagnostics, and hospitalisation within approved limits. Specific benefits depend on the product you select, such as Jamii Plus or Afya Nafuu panels.

Health

A provider panel is a network of hospitals, clinics, and specialists that have an agreement with APA to deliver services to members. Using panel providers often simplifies billing and may reduce out-of-pocket costs, depending on your plan.

Health

Coverage for pre-existing conditions depends on your specific health policy and underwriting terms. Some plans may include waiting periods or exclusions. Please review your policy document or speak with our team for details applicable to your cover.