CIC Insurance Group details, offices, contacts, services, insurance packages and history: The CIC Insurance Group PLC (Co-operative Insurance Company) is a leading Kenyan insurance and investment group, and a pioneer in cooperative and microinsurance in Africa. It is publicly listed on the Nairobi Securities Exchange (NSE) under the ticker symbol CIC.
Here is a summary of the group’s key information:
🌍 Operations and Market Position
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Headquarters: Nairobi, Kenya.
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Regional Presence: The group operates in Kenya, Uganda, South Sudan, and Malawi.
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Cooperative Roots: It began in 1968 as a department within the Kenya National Federation of Co-operatives, and its history is deeply intertwined with the cooperative movement in Kenya, which forms a significant part of its customer base.
🏛️ Group Structure (Key Subsidiaries in Kenya)
The group operates through three main subsidiaries in Kenya, in line with regulatory requirements:
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CIC General Insurance Limited: Offers a wide range of general insurance products, including motor, fire, marine, accident, and specialized covers like crop and livestock insurance.
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CIC Life Assurance Limited: Provides life insurance solutions, including term life, endowment, whole life coverage, group life, and various pension/annuity schemes.
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CIC Asset Management Limited (CICAM): Specializes in managing investment portfolios for pension funds, collective investment schemes (like Money Market Funds, Equity Funds, etc.), and private clients. It holds a significant market share in the unit trust market.
🛡️ Key Products and Services
CIC offers a comprehensive suite of insurance and financial products for individuals, businesses, corporates, and the cooperative movement:
| Category | Examples of Products |
| General Insurance | Motor Private, Motor Commercial, Domestic Package, Fire, Burglary, All Risks, Work Injury Benefits Act (WIBA), Marine/Cargo. |
| Life Assurance | Group Life, Individual Life, Endowment Plans, Education Policies, Group Credit Life. |
| Medical Insurance | CIC-Medisure Corporate In-Patient Cover, Individual/Family Medical Covers, Seniors Mediplan. |
| Pensions & Savings | CIC Umbrella Retirement Benefits Scheme, Annuities, Income Draw Down Fund. |
| Asset Management | Unit Trusts (Money Market Fund, Balanced Fund, etc.), Pension Fund Management, Wealth Management. |
| Microinsurance | Tailored products for small and medium enterprises (SMEs) and underserved communities. |
📜 History Highlights
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1968: Started as an insurance agency within the Kenya National Federation of Co-operatives (KNFC).
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1978: Registered and licensed as Co-operative Insurance Services Limited (CIS), targeting the cooperative movement.
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1999: Name changed to The Co-operative Insurance Company of Kenya Limited (CIC).
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2010: Name changed to CIC Insurance Group Limited in preparation for the de-merger of life and general business operations.
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2011: Full de-merger resulted in the formation of three main subsidiaries: CIC Life Assurance Limited, CIC General Insurance Limited, and CIC Asset Management Limited.
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2012: Listed its shares on the Nairobi Securities Exchange (NSE).
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2013: Began regional expansion with entry into South Sudan.
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2014: Entered the Malawi and Uganda markets.
💼 Services and Subsidiaries
The Group offers a wide range of insurance and financial services through its main subsidiaries:
| Subsidiary | Core Service | Focus |
| CIC General Insurance Limited | General Insurance | Motor (Commercial & Private), Fire, Property, Personal Accident, WIBA (Work Injury Benefits Act), Domestic Package. |
| CIC Life Assurance Limited | Life Assurance | Individual Life, Group Life, Pensions/Annuities (e.g., CIC Umbrella Retirement Benefits Scheme, Income Draw Down). |
| CIC Asset Management Limited | Financial Services | Investment Management, Investment Advisory, Money Market Funds, and Real Estate Investment Trusts (REITs). |
| Regional Subsidiaries | General/Life Insurance | CIC Africa Insurance (SS) Limited (South Sudan), CIC Africa Insurance Uganda Limited, CIC Africa Insurance (Malawi) Limited. |
📦 Insurance Packages
CIC Group offers solutions for Individuals, Businesses, Corporates, and Cooperatives. Examples of popular packages and products include:
| Product Category | Example Packages/Products |
| Motor Insurance | Motor Private, Motor Commercial Plus, Easy Bima (digital insurance) |
| Health Insurance | CIC Medisure (Family/Corporate In-patient, Outpatient), CIC CoopCare (Medical cover for Cooperative members). |
| Property & Casualty | Domestic Package Insurance (covers buildings, contents, servants, liability), Fire Insurance, Property Insurance, Personal Accident. |
| Life & Pensions | Jipange Plus, Employee Group Life, CIC Umbrella Retirement Benefits Scheme, Last Expense. |
| Specialized Packages | CIC SCHOOL GUARD INSURANCE (Comprehensive policy for academic institutions), WIBA. |
📞 Key Contacts and Head Office
The Group operates a robust network of branches across Kenya.
| Detail | Contact Information |
| Head Office Address | CIC Plaza, Mara Road, Upperhill, Nairobi, Kenya. |
| General Calls | (+254) 703 099 120 or (020) 282 3000 |
| General Email | [email protected] or [email protected] |
| WhatsApp/SMS | WhatsApp: 0703 099 000 / SMS: 22471 |
| Medical Call Center | (+254) 703 099 999 or (+254) 732 179 999 |
Branch Locations (Kenya):
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Nairobi: Town Office (Reinsurance Plaza), Buru Buru, Westlands, Kitengela.
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Rift Valley: Eldoret, Nakuru, Naivasha, Kericho, Kitale.
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Central/Eastern: Nyeri, Thika, Machakos, Meru, Embu.
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Western: Kisumu, Kisii, Homabay, Kakamega, Bungoma.
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Coast: Mombasa, Kilifi.
CIC Kenya Offices and Branches
| Branch Name | Phone Contact | Email Contacts | Physical Location/address | Region | |
|---|---|---|---|---|---|
| BOMET BRANCH | 0703 099 650 | [email protected] | Isenya Building, 2nd Floor | Rift Valley | |
| BUNGOMA BRANCH | (055) 203 0121 | [email protected] | Simali House 1st Floor, Moi Avenue | Western | |
| BURU BURU BRANCH | 0703 099 564 | [email protected] | Mesora Centre, 1st Floor Mumias Road | Nairobi | |
| CIC Head Office | (+254) 703 099 120 (020) 282 3000 | [email protected] | CIC Plaza, Mara Road, Upperhill Nairobi, Kenya | Head Office | |
| CIC MEDICAL CALL CENTER | (+254) 703 099 999, (+254) 732 179 999, (020) 28 23 999 | inpatient: [email protected]; Outpatient: [email protected] | CIC Plaza, Mara Road, Upperhill Nairobi, Kenya | Head Office | |
| ELDORET BRANCH | 0703 099 660 | [email protected] | Co-operative Building, 1st Floor Ronald Ngala Street | Rift Valley | |
| EMBU BRANCH | 0703 099 900 | [email protected] | Sparko Building, 3rd Floor above Family Bank | Eastern | |
| HOMABAY BRANCH | (059) 212 2998 | [email protected] | Cold Springs Plaza, Ground Floor | Western | |
| KAKAMEGA BRANCH | (056) 203 0242, (056) 203 0850 | [email protected] | Walia’s Centre, Ground Floor | Western | |
| KERICHO BRANCH | 0703 099 650 | [email protected] | Imarisha Building, Ground Floor | Rift Valley | |
| KIAMBU BRANCH | 0703 099 630 | [email protected] | Bishop Ranji Cathedral Plaza, 2nd & 3rd Floor | Lower Central | |
| KILIFI BRANCH | 0703 099 718 | [email protected] | Al Madina Plaza, 1st Floor | Coast | |
| KISII BRANCH | 0703 099 700, 0703 099 701 | [email protected] | Lengetia Place, 2nd Floor Kisii-Kisumu Highway | Western | |
| KISUMU BRANCH | 0703 099 600 | [email protected] | Wedco Centre, Mezzanine Floor Oginga Odinga Road | Western | |
| KITALE BRANCH | 0703 099 951 | [email protected] | Mega Center, 1st Floor | Rift Valley | |
| KITENGELA BRANCH | 0703 099 740 | [email protected] | Kitengela Mall, 4th Floor | Nairobi | |
| MACHAKOS BRANCH | 0703 099 960 | [email protected] | ABC Imani Plaza, 2nd Floor | Lower Central | |
| MERU BRANCH | 0703 099 930 | [email protected] | Alexander House, 1st Floor Ghana Street | Eastern | |
| MOMBASA BRANCH | 0703 099 751 | [email protected] | Furaha Plaza Ground Floor, Nkrumah Road | Coast | |
| NAIVASHA BRANCH | 0703 099 763 | [email protected] | Eagle Center, 1st Floor Mbariu Kaniu Road | Rift Valley | |
| NAKURU BRANCH | 0703 099 775 | [email protected] | Mache Plaza, 2nd Floor Geoffrey Kamau Road | Rift Valley | |
| NANYUKI BRANCH | 0703 099 770 | [email protected] | Pearl Place, 1st Floor | Upper Central | |
| NYAHURURU BRANCH | (065) 203 2055 | [email protected] | Kimwa Centre, 2nd Floor Kenyatta Avenue | Upper Central | |
| NYERI BRANCH | 0703 099 680 | [email protected] | Co-operative Union Building 3rd Floor, | Upper Central | |
| THIKA BRANCH | 0703 099 641 | [email protected] | Thika Arcade, 6th Floor | Lower Central | |
| TOWN OFFICE | Mobile: 0703 099 500 Tel: (020) 329 6000 | [email protected] | Reinsurance Plaza Mezzanine Floor, Aga Khan Walk | Nairobi | |
| WESTLANDS BRANCH | 0703 099 727 | [email protected] | Pamstech House 2nd Floor, Woodvale Grove | Nairobi |
Opening Hours
PERSONAL & GROUP ACCIDENT CLAIM PROCESS
- Report the accident to CIC immediately through the given emergency or toll-free numbers
- Follow the same with a written notification as one awaits to heal
- Complete and return a claim form obtainable in all our offices and web site attaching doctor’s prescription and medical bills receipts after a clean bill of health
- Attach a police abstract if it was a road traffic accident or assult
- Attach copy of death certificate if the accident was fatal
- Attach copies of pay slips for the previous three months before the accident if the cover is arranged on salary basis
REQUIRED DOCUMENTS
- PA/ PA
- Original medical expenses receipts
- Payslips for 3 months prior to the accident(for employees only)
- Police Abstract if injuries are due to a road traffic accident or assault
- Death certificate in case of a fatal accident
ORDINARY LIFE CLAIM PROCESS
- A client will first notify us in the event of death, accident, or diagnosis of a critical illness.
- In the event of an incident leading to a claim.
Notification can be done through email [email protected] or WhatsApp - Once notification is received, the client will be advised on the forms that need to be filled. (You can download the forms below)
- Once the documents are received, they will be analyzed and communication to the client will be done
- Once all documents have been analyzed and found to be in order, the claim will be processed, and a discharge voucher will be provided to the claimant.
- Payment of the claim will then follow
REQUIRED DOCUMENTS
The required documents are dependent on the type of claim.
The forms have all the necessary documents needed clearly indicated on them. It’s also important to note that further documentation can be requested when the need arises.
Death Claim Requirement(For Family Life Plan/Last Expense Claims, only requirements 1-6 are applicable)
- Copy of ID and Beneficiary (Original & Copy)
- Copy of ID of Policy Holder (Original & Copy)
- Burial Permit (Original & Copy)
- Certificate of Identity
- Certificate of Attending Physician
- Police Abstract if an accident is involved (Original & copy)
- Copy of ATM card of the claimant
- Death certificate (Orginal & Copy)
- The Original Policy Document (If lost Provide affidavit)
- Post mortem report (Original & Copy)
- Copy of Recent Pay slip of Policyholder (Checkoff)
Personal Accident Claims (Requirement for loss of weekly income/Medical Expenses Reimbursement)
- Doctors Report
- Police Abstract/P3 Form
- Copy of Identity Card
- Original ETR Receipts (Medical Reimbursements)
- Copy of recent payslip (Checkoff Payments Only)
- Proof of Bank details (e.g Copy of ATM)
