One product, three ways to fit your group's budget
AfyaSure helps your group choose, structure and enrol in medical cover — built for Cooperatives, MFIs and registered groups with a minimum of 4 principal members. The cover itself is CIC CoopCare, underwritten by CIC Microinsurance Ltd, and it spans Inpatient, Outpatient, Maternity, Dental, Optical and Last Expense, on a panel of mission and private hospitals, up to age 70.
KES 100,000
- Outpatient30,000
- Maternity15,000
- Dental5,000
- Optical5,000
- Last Expense50,000
KES 200,000
- Outpatient40,000
- Maternity20,000
- Dental5,000
- Optical5,000
- Last Expense50,000
KES 300,000
- Outpatient50,000
- Maternity25,000
- Dental7,500
- Optical7,500
- Last Expense50,000
For members without SHA, CIC pays the hospital admission bill less KES 500 per day — that shortfall is payable by the member at the hospital, so it's worth confirming every member's SHA registration is active before enrolling.
Figures are family limits, net of SHA, on Ward Bed accommodation. Outpatient, Maternity, Dental and Optical selections must match the chosen Inpatient option.
Built for registered groups, not individual walk-ins
Group-based enrolment is what keeps cover affordable. AfyaSure works directly with boards, committees and group leaders to design cover that fits their members.
SACCOs
A value-added membership benefit that strengthens loyalty and loan uptake.
Chamas & Table-Banking Groups
Shared protection that replaces the informal emergency harambee.
Cooperative Societies
Agriculture, trade and transport cooperatives covering their member base.
MFIs & Welfare Associations
Bundle medical cover with lending products or member welfare benefits.
Company
Register your staff as a group and give your team dependable medical cover, structured the same way as a SACCO or cooperative.
Schools
Register your teaching and support staff as a group and extend dependable medical cover as part of their employment benefits.
Minimum of 4 principal members per registered group. Children are covered from birth (37 weeks) to 18 years, and up to 25 years with proof of full-time study. Principal member and spouse are eligible up to age 70.
Bundle cover directly into your loan facility
Medical cover doesn't have to sit as a separate deduction your members manage on their own. Embed it into the loan products your SACCO, MFI, Chama or Welfare Association already runs — and turn a member benefit into a revenue line.
Your institution finances the premium
Your SACCO, MFI, Chama or Welfare Association pays the premium upfront on behalf of enrolled members.
Cost is recovered with repayments
The premium is added to the member's loan balance and recovered gradually through their existing repayment schedule.
Your institution earns interest income
Financed like any other loan component, the premium generates interest income for your institution.
Members get cover without a separate bill
No extra standalone payment to track — medical cover rides alongside a facility they already use.
Build your cover
Quoting for a registered group, or just for yourself and your own family? Pick a tab below.
Different members can sit on different options. Add a line for each combination your group needs — mix Option I, II or III, Full or Inpatient Only cover, and any family size — and get one combined quote.
"Inpatient Only" still includes Maternity and Last Expense benefits.
Rates are per the official CIC CoopCare rate card and include Training Levy, PHCF and Stamp Duty. Families beyond M+6 add a flat additional-dependant premium per person — WhatsApp us for groups needing this. This builds a PDF from only the line(s) you've filled in above, downloads it to your device, then opens WhatsApp with a message ready — attach the downloaded file to send it, since browsers can't attach files to WhatsApp automatically.
Get an indicative quote for your own family's premium contribution within the group of at least 4 members. Pick a cover option, cover type and family size below.
"Inpatient Only" still includes Maternity and Last Expense benefits. Family sizes beyond M+6 add a flat additional-dependant premium per person — WhatsApp us if your family is larger.
Rates are per the official CIC CoopCare rate card and include Training Levy, PHCF and Stamp Duty. CIC CoopCare is a group product underwritten for registered groups of 4+ principal members, with premiums remitted by the group directly to CIC — this figure is your own family's share of the group premium, not a standalone individual policy.
Complete your CoopCare proposal form
Once you're happy with your quote, fill in the official CIC CoopCare proposal form below — personal particulars, dependants, health questions and signature — then download it as a PDF to send to us on WhatsApp or by email. It autosaves as you go, so a dropped connection won't lose your progress.
Personal Particulars of the Applicant
Please complete in block letters
Particulars of Dependants to be Included on Cover
Add a row for each spouse / child proposed for cover
| No. | Full Name (Surname first) | Type | Gender | Date of Birth | Blood Group | ID No. | PIN No. |
|---|
Health Questions
You must complete all questions, for the applicant and every dependant listed above
If you answered Yes to any of questions 1–17, give details below (add a row per condition). Attach a separate sheet if space is not enough.
| Name of Applicant | Ailment / Disorder | Date Diagnosed | Doctor & Contact Address | Current Status |
|---|
Other Questions
Questions 18–20
Declaration & Signature
Please read carefully before signing
I hereby apply to join the above medical scheme. I understand to the best of my knowledge and belief that all the answers given above are true, that I have not concealed or withheld any material information which the underwriter ought to know in order to assess me or my family members for medical insurance. I hereby authorize the hospitals, medical or dental practitioners who have treated me or any of my dependants to disclose to CIC General Insurance Ltd. the records relating to such current or previous hospitalizations, medical treatment and to allow CIC to receive extracts from such records, and I undertake to assist in obtaining such information.
By signing this proposal form I hereby grant CIC General Insurance Limited (the Insurer) and all its contracted third-party processors authority to process my personal information/data, for the purpose of performing the insurance contract as per my proposal herein. I am aware that I may withdraw my consent at any time by writing directly to the Insurer and that such a withdrawal may affect the ability of the insurer to provide the Insurance cover.
Find a hospital, dental or optical provider near you
Search the full CIC CoopCare panel by name, town or county — hundreds of hospitals, clinics, dental and optical providers across every county.
Need help finding a provider?
Message us on WhatsApp and we'll help you locate the nearest CoopCare provider or confirm your cover.
WhatsApp / Call: 0722 460 390
Provider panel current as of the CoopCare rate card. Subject to change without notice — always confirm your provider is still on the active CIC panel before visiting.
CIC Outpatient approvals: outpatientapprovals@cic.co.ke | CIC Emergency Lines: 0703 099 999, 0732 179 999, 020 2823999
Clear rules, set out upfront
Accident-related admissions are covered from day one.
Acute illnesses and outpatient treatment are also covered from day one.
Waiting period for maternity-related treatment.
Waiting period for pre-existing and chronic conditions (newly diagnosed conditions are covered up to the full limit).
Children eligible from birth (37 weeks) to 18 years; up to 25 with proof of full-time study.
Maximum eligible age for the principal member and spouse.
Access strictly within the designated provider panel, via Photo Card (replacement KES 300).
Lodging facilities are provided for a parent accompanying a child under 12 who is admitted.
For members without SHA, CIC pays admission bills less KES 500 per day. Pre-existing and chronic conditions are covered up to 50% of the Inpatient limit once the waiting period has passed. COVID-19 is covered within Inpatient (up to full limit on Option I; capped at KES 150,000 on Option II and KES 200,000 on Option III) and within Outpatient, with tests capped at KES 6,000 per test.
What isn't covered
A local partner for the whole journey
Specialist focus
Micro and group medical insurance is our only focus — not a generic add-on line.
Side-by-side comparisons
Clear quote comparisons so group leaders can decide with confidence.
Hands-on support
From first quote to onboarding, and ongoing claims guidance after-sales.
Locally registered
A duly registered Kenyan business, products designed around cooperative structures.
Where your members already are
Mobile-first, WhatsApp- and Meta-ready enrolment support for group administrators.
We help your group get covered — and we stay with you after.
AfyaSure Jamii Solutions works alongside SACCOs, chamas and cooperatives from the first quote through onboarding and claims support, closing the health-cover gap for everyday savers and informal-sector workers — the people who form the backbone of Kenya's cooperative economy.
The cover behind this promise is CIC CoopCare, fully underwritten and regulated by CIC Microinsurance Ltd, licensed by the Insurance Regulatory Authority of Kenya. AfyaSure acts as your distribution and enrolment partner — the group you deal with, board-to-board, for the life of the policy.
Ready to protect your group's members?
Reach out to start a conversation — we'll walk your board or committee through options and a group-specific quotation.