About Us


Giving you happiness at the best rate.

About AfyaPoa.

AfyaPoa is a unique and affordable health-financing product that offers comprehensive health coverage for the whole family. It aims to enable low income workers and in particular those in the informal sectors to manage health-related risks. The product is value added to cover other related risks faced by this segment of the population. The product is managed and distributed by Insurance for All (IFA) Insurance Agency Ltd. And underwritten by Sanlam Insurance Company Ltd. And Prudential Insurance Co.Ltd.

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The Problem

  • 40% of those who are sick forego treatment citing high costs of healthcare.
  • It takes a poor person 12 days to take a decision to go to hospital.(Striving to thrive, how Kenya’s low income earners pay for their healthcare 2016).

  • Over 80% of the poor prefer getting treatment in private institutions when ill. Private Institutions will deny treatment if patient cannot pay.

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  • Only 2% of workers employed in the ‘Informal’ sector are served by Insurance
  • Most in the target market currently finance healthcare through savings, loans & harambee
  • Loss of a breadwinner leads over 96% of affected families into extreme poverty

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  • We believe that Affordable insurance has the potential to increase access to quality healthcare Insurance can transfer the risk of health catastrophes from the client so they can utilize finances to grow.
  • It is in response to this need that we developed afyaPoa.


  • The target Market:

    The informal sector is an important segment in the Kenyan workforce, contributing approximately 28.4% of its GDP. According to the economic survey of 2017 employment within the Jua Kali sector stood at about 14M persons, accounting for about 80.2% of the total employment in the country.

    This population has an average daily income of KES 600-800 (13,200-24,000 per month) of which an estimated KES 100-200 is disposable income (KES 3,000 -6,000 per month).

    To strengthen their standing in the market place, improve operating conditions as well as mobilize financial resources amongst themselves, workers in the sector have formed various informal/formal groups such as welfare associations, SACCOs, merry go rounds etc. These groups are ideal market aggregators and can be used to improve the uptake of Micro-insurance products.

    The upcoming gig economy, which currently employs over 30,000 informal workers, also provides a great market opportunity .Through the various gig platforms we can decimate information on the product, get workers to register remotely and collect payments whenever the worker fulfills a gig.




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