FAQ
You can learn more from our asked questions
General Insurance FAQs
Insurance is a contract that provides financial protection against losses, damages, or other risks. It helps safeguard your assets, health, and income, offering peace of mind in case of unforeseen events.
Insurance premiums are typically determined by factors such as age, health status, lifestyle, the type and value of the insured item, and the level of coverage selected.
A policy is the contract outlining the terms of your insurance coverage, while a premium is the amount you pay (monthly, quarterly, or annually) to maintain that coverage.
A deductible is the amount you are required to pay out of pocket before your insurance coverage kicks in.
Health/Medical Insurance FAQs
Health insurance typically covers expenses such as hospitalization, doctor visits, prescriptions, and sometimes preventive care. Coverage varies by policy.
A network provider is a healthcare provider or facility that has an agreement with the insurance company to offer services at reduced rates.
Coverage for pre-existing conditions depends on the policy and the insurer. Some plans may cover them after a waiting period, while others may have exclusions.
General Insurance (Home, Business, Liability) FAQs
Homeowners insurance protects against damage to your home and belongings due to events like fire, theft, and natural disasters. Coverage can also include liability protection.
Business insurance offers protection for a company’s assets, liability, and sometimes employees, covering risks such as property damage, legal liabilities, and employee injuries.
Public liability insurance protects businesses or individuals against claims from third parties for injury or damage to their property due to business operations.
Life Insurance FAQs
Common types include term life, whole life, and universal life insurance. Term life provides coverage for a specific period, while whole and universal life policies offer lifelong coverage with cash value accumulation.
Missing a payment could lead to policy cancellation or suspension. Some policies offer a grace period, so it’s best to check with your provider.
Life insurance is recommended for anyone who has dependents, debts, or financial obligations they wish to cover in the event of their passing.
Motor Vehicle Insurance FAQs
The main types are comprehensive, third-party, and third-party fire and theft. Comprehensive provides the most extensive coverage, while third-party covers damages to other vehicles or properties only.
First, ensure safety, then contact the authorities and your insurance provider as soon as possible to file a claim and receive guidance on next steps.
It’s calculated based on factors such as the vehicle's value, age, model, the driver’s profile, and the coverage selected.
Claims Process FAQs
Contact your insurance provider, fill out a claims form, and submit any required documents. The provider will review your claim and notify you of the outcome.
Common documents include a completed claim form, policy details, proof of event (accident report, medical report, etc.), and identification.
Claim processing times vary by provider and type of insurance. It can range from a few days to several weeks, depending on the complexity of the claim.
Head office address:
Ground Floor Unit 4, Spring Court, Watermark Business Park - Karen
Call for help:
+254 701 946 430
Mail for information:
info@tandalainsuranceagency.co.ke
margaret.mbugua@tandalainsuranceagency.co.ke
margaret.mbugua@tandalainsuranceagency.co.ke