IRA Class 07 · Long-term (Life)
Permanent Health in Kenya
Long-term income replacement on disability or critical illness under IRA Class 07.
What does Permanent Health cover?
Permanent health insurance (income protection) pays a regular monthly benefit if illness or injury prevents you from working, until you recover, retire or the policy ends.
Who needs Permanent Health?
Professionals and self-employed Kenyans whose income would stop if they could not work for an extended period.
Examples of Permanent Health policies in Kenya
- Income protection policies
- Critical illness riders
- Long-term disability cover
Frequently asked questions
How long does permanent health cover pay out?
Cover typically continues until you can return to work, reach retirement age or the policy expires - often after a 1–6 month deferred period.
Regulation
Permanent Health is licensed under Class 07 of the Insurance Act (Cap 487) and supervised by the Insurance Regulatory Authority (IRA). Only insurers holding a current Class 07 licence may underwrite this cover in Kenya.