Providing affordable and accessible health insurance
to members of cooperatives in Kenya

Through its project, CIC Insurance Group will broaden access and distribution of its Coop Care Micro Health product – the only one in the market that provides the standalone option of purchasing inpatient coverage, making it the most accessible and affordable offering available.

The project responds to the urgent need for affordable, reliable, and quality healthcare in Kenya. Cooperatives serve approximately 14 million Kenyans, but more than half of the population struggle financially due to climatic and after effects of COVID-19.

By targeting low-income households in cooperative communities, the project aims to reach 8,800 members by March 2026. The average household earnings of the target market range from KES 15,000 (USD 104) to KES 50,000 (USD 349) per month.

The payment of hospital bills, reduction of out-of-pocket medical expenses and payment of funeral benefits will allow for the policyholders to be more economically empowered and productive. The product will also target rural members of cooperatives who have previously been excluded from mainstream insurance for personal lines of insurance, many of which are women. Poor women are especially vulnerable to risks related to health, income generation, maternity and death. CIC Insurance Group believes that risk protection is a form of financial inclusion, and Coop Care is designed to fulfill the need for inclusive insurance.