• By Raymond Momanyi

Patrick vs Jacinta: How Medical Cover Saved Their SME

An SME Owner and His Star Employee

Patrick runs a small printing shop in Industrial Area, Nairobi. He employs 8 people, including Jacinta, his most loyal staff. Jacinta handles accounts, customer calls, and sometimes even supervises the machines when Patrick is away.

One Friday morning, Jacinta complained of sharp chest pains. Within minutes, she collapsed at the office. Patrick rushed her to a private hospital nearby. The doctor’s words hit like thunder: “She needs admission and tests immediately.”

The estimate? KSh. 180,000.

Patrick’s heart sank. His business account barely had KSh. 250,000 — money meant for rent, supplier payments, and salaries. If he paid Jacinta’s bill, the business would stall. If he didn’t, he’d lose his best employee — maybe even his reputation as a caring boss.

Two Paths, Two Realities

• Without Insurance (Papa Onyango Moment): Patrick pays cash, suppliers go unpaid, staff salaries delay. Morale drops, customers walk. His SME collapses within 6 months.
• With Micro Health Insurance (Mama Grace Moment): Jacinta’s hospital bill is settled by the insurer. She recovers, comes back stronger, and Patrick keeps his staff motivated while his business survives.

Luckily, Patrick had taken Micro Health Insurance for SMEs with Imana Insurance Agency Kenya Ltd. Jacinta’s entire admission was covered. No tears, no panic, no WhatsApp harambee.

Why SME Owners Need Medical Cover for Staff

1. Employees are Assets, Not Expenses
   Sick employees = lost business hours. Healthy employees = loyal workforce.
2. Avoid Business Bankruptcy
   One medical bill can be higher than your annual rent. Insurance absorbs that shock.
3. Boost Employee Morale & Retention
   Staff feel valued when their boss invests in their health. That loyalty saves SMEs money on rehiring.
4. Affordable for Small Businesses
   From KSh. 20,500 per employee annually, it’s cheaper than losing one worker to illness or paying cash hospital bills.

What Does Micro Health Insurance Cover?

• Inpatient: Hospital admissions, surgeries, ICU.
• Outpatient: Clinics, drugs, lab tests.
• Maternity: Optional add-on for staff families.
• Dental & Optical: Keep staff healthy all-round.
• Chronic Illnesses: Diabetes, hypertension, cancer.

💡 Imagine losing Jacinta because she couldn’t afford hypertension drugs — that’s how businesses crumble quietly.

Why SMEs Choose Imana Insurance

• ✅ Packages from as low as KSh. 20,500 per employee
• ✅ Access to multiple insurers (Jubilee, GA, Britam, AAR, UAP, etc.)
• ✅ No long processes — WhatsApp, Pay, Activate
• ✅ Claim support — we fight for you when bills arise
• ✅ Flexible options for SMEs with as few as 3 staff

The Hard Truth

Every SME owner has two choices:

• Hope staff don’t fall sick and pray hospital bills don’t show up.
• Or prepare by giving employees health cover that costs less than a new printer cartridge.

Insurance Wisdom: Protect Your Team, Protect Your Business

Patrick kept his business alive because he invested in his staff. Jacinta stayed because she felt valued. That’s the magic of Micro Health Insurance for SMEs.

At Imana Insurance Agency Kenya Ltd, we believe SMEs drive Kenya’s economy — and healthy employees drive SMEs.

👉 Cover your employees today from KSh. 20,500 per year and build a business that survives storms.

🌐 www.imana.co.ke | www.mykava.co.ke

📲 WhatsApp: +254796209402 | 0745218460
📍 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi

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