Microinsurance: Small Premiums, Big Protection

For many Kenyans, the word "insurance" sounds expensive. But microinsurance is slowly changing that story. With just a few shillings per day, a family can be covered for hospital visits, accidents, or even funeral costs.

This model works because it's flexible — you can pay using mobile money, and it doesn't require complicated forms. Farmers, boda boda riders, and mama mbogas are already starting to see the value: instead of losing everything during a tough time, insurance cushions you just enough to get back on your feet.

The challenge? Spreading awareness and ensuring that insurers keep their promises when claims come in.