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Collective-Based Insurance
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We Protect You and
Those Important to You

Choose from our range of collective-based insurance products today.


Get hospital cover for illness and accident as well as life cover for your family.


Get Ukoo life cover for your nuclear family of six plus parents for a minimum of KES 1000.

We Pay Claims

When you submit a claim, we’ll verify and transfer your payment within 48hrs via Mobile Money.

No paperwork required, hassle-free, instant and fully digital.

How Collective-Based Insurance (CBI) Works

DDFinance Kenya, distributes the combined Collective-Based Insurance (CBI) product, Life and Hospital Cash to the low-income population.

Sign Up

Sign up to the Collective-Based Insurance (CBI) family.

Buy Product

Choose from our range of insurance products.

Make a claim

Submit a claim and get paid via Mobile Money.

Trusted by over 57,189 Families
and Chamas across Kenya

Customers Insured
Hitherto ● DDFinance - Kenya CBI
Operational & Funding Partners
2 B2C Products ● 1 B2B Product
KES 2,462,500
Total Insurance Cover
For Our Customers
KES 18,577,374
Accumulated Taxes
Paid to Kenyan Government

From Global Goals to Local Impact

DDFinance’s Collective-Based Insurance provides a safety net to prevent families from falling (back) into poverty after experiencing a health situation challenging their earnings. People that have some cash income can afford small premiums.  Insurance provides a buffer from the vicious cycle of poverty and can play an important role in building their resilience.

Collective-Based Insurance is accessible and affordable, helping low-income earners to seek treatment in hospital more often and earlier, supporting healthier lives and wellbeing.

As a counterbalance to a traditional male dominant society, 80% of our customers are women. Collective-Based Insurance offers women formal financial inclusion, and hence, provide more gender equality.

DDFinance recruits trainers through our distribution partners and pays them for training our potential customers in the field. This provides them with a result-based income to support their communities.

DDFinance digitizes workflows in the insurance industry and provides low-cost national insurance market systems in developing markets.

DDFinance provides fixed cash pay-outs related to hospitalization or death. Cash pay-outs build more resilient households and reduce inequalities.

From the introduction of a new digital insurance market system in developing markets, DDFinance now provides a strong and transparent digital structure mitigating corruption.

Through strong partnerships within an ecosystem of national and global partners, DDFinance enables national integrated insurance market systems through its Insurance Platform as a Service (IPaaS)

We are happy to share more insights