Questions & answers

Pay the one-time registration fee of Ksh 200, choose your plan, and start your contributions by M-Pesa. You can register at our Kariobangi office, at an activation session, or by sending the join form on this site.

Registration is a one-time fee of Ksh 200. After that, each plan has its own contribution — some start from as little as Ksh 100 per month or Ksh 100 per day.

You pay by M-Pesa to our official till. We never ask you to send money to a personal phone number. Our team gives you the till number and confirms every payment.

Our office is at Ethan House, 2nd Floor, Room B13, next to KCB / Faulu Bank in Kariobangi, Nairobi. We also run activation sessions where we register members wherever they are.

Yes. Several plans, including the funeral plan, allow you to cover parents and extended family members. The exact family sizes and age limits depend on the package.

A waiting period is the time between when you join and when a benefit becomes active. Each plan has its own waiting periods and exclusions — we share them in writing before you pay.

Hikri Companion is a welfare-based organisation that arranges cover for members. We are happy to explain exactly who provides each benefit and under what terms before you join — ask us for the licence and underwriter details of any plan.

Depending on the package: the member, spouse, children, parents and extended family. Tell us your family size and we will show you the right package.

The last expense benefit supports funeral costs including transport, coffin and tents, depending on the package you choose.

Nuclear family packages start from as little as Ksh 100 per month. The exact amount depends on your family size and benefit level — we confirm it before you pay.

No. Hospicare is a top-up that works alongside Social Health Authority (SHA) cover, adding inpatient cover of Ksh 250,000, 300,000 or 500,000 depending on the level you choose.

After 90 days of contributions you receive your Hospicare smart card, which you present at partner hospitals. Ask us for the current list of hospitals that accept the card.

Yes, these are listed as optional extras on the plan. The cost depends on your inpatient level and family size.

Learners aged 3 to 25 — nursery, primary, secondary, college and university. Children under 5 are covered for road risks only.

No. It is 24-hour accident cover — at school, at home, while travelling and during sports.

A one-time deposit per child of Ksh 467 to Ksh 1,280 depending on the plan, plus Ksh 100 per month. Premiums include taxes.

No. It covers the rider as a person — injuries, permanent disability and funeral costs from road accidents. Motorcycle insurance for the bike itself is a separate product.

Yes. Stages and SACCOs can register members as a group, and we can come to you. Send a group enquiry or call us.

Personal accident cover, a medical benefit, a last expense (funeral) benefit and a savings plan — combined in one weekly contribution.

Ask our team for the written Supersave rules — they explain how contributions are split between benefits and savings, and how and when you can withdraw.

Schools, chamas, SACCOs, boda boda stages, churches, SMEs and employers. Covers include group last expense, group life, group medical, school fees insurance and pension arrangements.

Send the group enquiry form with your group's size and the cover you want. We come back with a proposal and can register members at your site.

Call or WhatsApp us on 0739 130 026 with your membership number. Tell us what happened and we will tell you the exact documents needed for your plan.

It depends on the plan — for example a burial permit for a funeral claim, or a medical report and police abstract for an accident claim. Our team confirms the list when you report.