Education Insurance Plans
Guarantee your child's schooling continues, no matter what life brings — a disciplined savings plan with built-in protection.
We compare 9+ of Kenya's top insurers so you get the best cover at the lowest price.
Why you need it
School and university fees are one of the largest commitments a Kenyan family makes. An education plan helps you save steadily toward those milestones — and, crucially, keeps paying in if the parent is no longer able to.
We compare education policies so your child's fees are guaranteed at key stages, with a payout structure timed to when the money is actually needed.
School and university fees are among the largest and least flexible commitments a Kenyan family faces. An education policy turns that pressure into a plan, saving steadily toward each milestone and, with a premium-waiver benefit, continuing to pay in even if the parent can no longer contribute.
What's covered
Guaranteed maturity
A planned payout at your target age, timed for secondary or university entry.
Premium waiver
If the paying parent dies or is disabled, the insurer continues the contributions so the plan stays on track.
Flexible contributions
Monthly, quarterly or annual payments to suit your budget.
Who needs this cover?
- Parents planning for secondary or university fees
- Guardians wanting guaranteed payouts at key stages
- Families needing a disciplined savings habit
- Anyone wanting fees protected if the unexpected happens
Compare the top 5 education insurance plans in Kenya (2026)
Not sure which education insurance plan fits your family? Here’s how the leading child education policies from Kenya’s top insurers compare on what actually matters — policy term, minimum premium, what happens if a parent dies or is disabled, how payouts are staggered, guaranteed returns and tax relief. As an independent broker, Naveah Capital compares these and more, then places you with the plan that best matches your child’s age, your budget and your goals.
| Insurer / plan | Policy term | Min. premium | Death / disability | Staggered payouts | Returns / bonuses | Tax relief |
|---|---|---|---|---|---|---|
| JubileeCareer Life Plus | 5–20 yrs | – | Yes — 2-in-1 life + savings; accident & disability cover included | – | Flexible bonuses (based on sum assured & term) | Qualifies (15% statutory) |
| BritamBoresha Plan | 6–18 yrs | – | Yes — full maturity benefit paid on death/TPD; no premiums in final 2 yrs | Yes — aligned to CBC 2-6-3-3-3 stages | Guaranteed lump sums = principal in last 3 yrs | Qualifies (15% statutory) |
| CICAcademia | 9–18 yrs (pay 5–14 yrs) | KES 2,000–3,000/mo | Yes — 50% of sum assured paid immediately + bonuses + waiver | Yes — partial maturities over 4 yrs, then final lump sum | 100% sum assured + reversionary & terminal bonuses | Yes — 15%, up to KES 5,000/mo |
| ICEA LionUsomiBora | 8–17 yrs | – | Yes — premium waiver on death | Yes — lump sum or installments | Bonuses; tax-free maturity | Yes — 15% relief |
| UAP Old MutualElimika | Up to 21 yrs | KES 2,500–3,000/mo | Yes — premiums waived, benefit paid on death | Yes — installments across primary / secondary / university | – | Qualifies (15% statutory) |
- Policy term
- 5–20 yrs
- Min. premium
- –
- Death / disability
- Yes — 2-in-1 life + savings; accident & disability cover included
- Staggered payouts
- –
- Returns / bonuses
- Flexible bonuses (based on sum assured & term)
- Tax relief
- Qualifies (15% statutory)
- Policy term
- 6–18 yrs
- Min. premium
- –
- Death / disability
- Yes — full maturity benefit paid on death/TPD; no premiums in final 2 yrs
- Staggered payouts
- Yes — aligned to CBC 2-6-3-3-3 stages
- Returns / bonuses
- Guaranteed lump sums = principal in last 3 yrs
- Tax relief
- Qualifies (15% statutory)
- Policy term
- 9–18 yrs (pay 5–14 yrs)
- Min. premium
- KES 2,000–3,000/mo
- Death / disability
- Yes — 50% of sum assured paid immediately + bonuses + waiver
- Staggered payouts
- Yes — partial maturities over 4 yrs, then final lump sum
- Returns / bonuses
- 100% sum assured + reversionary & terminal bonuses
- Tax relief
- Yes — 15%, up to KES 5,000/mo
- Policy term
- 8–17 yrs
- Min. premium
- –
- Death / disability
- Yes — premium waiver on death
- Staggered payouts
- Yes — lump sum or installments
- Returns / bonuses
- Bonuses; tax-free maturity
- Tax relief
- Yes — 15% relief
- Policy term
- Up to 21 yrs
- Min. premium
- KES 2,500–3,000/mo
- Death / disability
- Yes — premiums waived, benefit paid on death
- Staggered payouts
- Yes — installments across primary / secondary / university
- Returns / bonuses
- –
- Tax relief
- Qualifies (15% statutory)
Most flexible term
UAP Elimika (up to 21 years) and Jubilee (up to 20) run the longest; Britam and ICEA cap earlier.
Strongest death benefit
CIC Academia stands out — it pays 50% of the sum assured immediately on death and waives future premiums, where most only waive premiums or pay the maturity value later.
Best fit to the school calendar
Britam explicitly maps payouts to Kenya’s CBC 2-6-3-3-3 curriculum; CIC, ICEA and UAP also stagger their payouts.
Most transparent on cost
CIC (from KES 2,000) and UAP (from KES 2,500) publish entry premiums; Jubilee, Britam and ICEA don’t.
A worked example — the tax relief
Kenyan law grants 15% insurance relief on life and education policy premiums, up to KES 60,000 a year (KES 5,000 a month). On a plan where you pay KES 5,000/month, that is up to KES 9,000 a year back in tax relief — money that helps fund the cover itself. All five plans qualify; CIC and ICEA Lion advertise it explicitly.
Figures reflect publicly available product information as of August 2026 and can change — confirm current terms with each insurer, or ask us, before relying on specific numbers. Sources: Britam Boresha Plan, CIC Academia, ICEA Lion UsomiBora, UAP Old Mutual Elimika and Jubilee Career Life Plus product pages.
Why buy through Naveah Capital?
Buying education insurance through an independent broker costs you nothing extra, yet changes everything about the outcome. Instead of accepting one insurer's price, you get 9+ compared side by side — premium, benefits, exclusions and claims reputation. We negotiate on your behalf, explain the fine print in plain language, and manage any claim from first notification to final settlement. It's how our clients reach a 97% claims success rate and rarely overpay at renewal.
Frequently asked questions
When does the plan pay out?
At the maturity age you choose — usually aligned with secondary school or university entry.
What happens if I can't keep paying?
With a premium-waiver benefit, the insurer continues the contributions if the parent dies or becomes disabled, so the child's plan continues.
Can I start small?
Yes — you can begin with a modest monthly contribution and increase it over time.
Which education policy is best in Kenya?
There is no single best plan — it depends on your child's age, your budget and how you want the payouts timed. Longer terms (UAP Elimika, Jubilee) suit young children, CIC Academia has one of the strongest death-benefit structures, and Britam maps its payouts to the CBC school calendar. As an independent broker we compare all of them against your goals and place you with the right fit — see the comparison table on this page.
How do Kenyan education insurance plans compare?
The main differences are the policy term, minimum premium, what happens if a parent dies or is disabled (a premium waiver and sometimes an immediate payout), how maturity payouts are staggered, guaranteed returns and bonuses, and tax relief — 15% on premiums up to KES 60,000 a year applies to all five. Our table compares Jubilee, Britam, CIC, ICEA Lion and UAP Old Mutual side by side.
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