Insurance World Tv

25/04/2026

Most people think financial freedom is about earning more money.

It’s not.

It’s about structuring what you already earn.

In our latest video, we break down a simple but powerful idea:
👉 How to build a financial portfolio that can actually support your life — not just your lifestyle.

Because here’s the truth…

You can have a good income and still struggle.
But with the right structure, even an average income can build real wealth.

In this video, you’ll learn:
✔ How to turn income into assets
✔ The 7 key investments every Kenyan should consider
✔ How to balance growth, income, and risk
✔ A practical path to financial freedom

If you’ve ever asked:
“How do I actually build wealth in Kenya?”
This is your starting point.

🎥 Watch here: https://www.youtube.com/watch?v=O8MAMEjC1zk&sttick=0

Let’s shift from:
❌ Earning and spending
To
✅ Building and growing

💬 Question for you:
If your income stopped today… how long would you survive?

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1 comment. "How to Build a Financial Portfolio for Financial Freedom in Kenya | Step-by-Step Investment Guide"

26/03/2026

26/03/2026

Is your phone really protected… or just the screen?

Most people have phone insurance that covers theft, loss, or damage. But in today’s digital world, your phone holds much more than just hardware — it carries your M-Pesa, bank apps, passwords, emails, social media accounts, personal documents, and your entire digital identity.

VIDEO LINK: https://www.youtube.com/watch?v=TsfdAWQtbBI

In this video, we break down why phone insurance isn’t enough anymore.

You’ll learn about the real risks your phone faces today, including:

1. SIM-swap fraud

2. Account takeover

3. Identity theft

4. Online fraud and financial loss

5. Cyber extortion

6. Data loss and reputation damage

We also explore why the future of protection must go beyond gadget replacement — and include cyber protection for your digital life.

👉 If your phone was stolen today, would you only lose the device… or everything inside it?

🎯 Who This Video Is For

1. Smartphone users

2. M-Pesa and mobile banking users

3. Content creators & online earners

4. Students and professionals

5. Anyone who uses their phone daily

📢 Let’s Talk

Do you think phone insurance should cover cyber risks like fraud and account hacking?

Drop your thoughts in the comments 👇

🔔 Subscribe

Subscribe to Insurance World TV for simple, practical insights on insurance, risk, and financial protection.

Phone insurance isn’t enough in today’s digital world.Your smartphone is no longer just a gadget — it holds your M-Pesa, bank accounts, emails, passwords, so...

09/03/2026

Flood-Damaged Vehicles: What Motorists Need to Know About Insurance Claims.

Following the heavy rains and flooding experienced on Friday, many motorists have unfortunately found their vehicles submerged or damaged by floodwaters. If your vehicle was affected, it is important to understand what steps to take and what your insurance policy covers.

1. If You Have Comprehensive Motor Insurance

Motorists with **comprehensive cover** may be able to claim for flood-related damage under the policy section commonly known as **Special Perils**. This extension typically covers damage caused by natural events such as floods, storms, earthquakes, and other similar occurrences.

Floodwater can cause serious damage, including:
• Engine damage due to water ingress
• Electrical system failure
• Interior and upholstery damage
• Body and structural damage

**What you should do immediately:**

1️⃣ **Do not attempt to start the vehicle** if it has been submerged or exposed to floodwater. Starting the engine can cause further damage and may complicate the claim.

2️⃣ **Notify your insurance company or broker immediately.** Early notification allows the insurer to register the claim and guide you through the next steps.

3️⃣ **Document the damage.** Take clear photographs and videos showing the vehicle condition and surrounding flood situation if possible.

4️⃣ **Arrange towing if necessary.** Most insurers will require the vehicle to be taken to an **approved garage or assessment center** for inspection.

5️⃣ **Await assessment.** The insurer will appoint an assessor to evaluate the damage and determine the repair process.

**2. If You Have Third Party Only Motor Insurance**

Motorists with **Third Party Only cover** should be aware that this policy **does not cover damage to your own vehicle**. Third party insurance only protects you against **liability for damage or injury caused to other people and their property**.

Unfortunately, flood damage to your own vehicle is **not payable under a third-party policy**.

In this situation, motorists may consider the following options:

• **Self-financed repairs** at a garage of their choice
• **Appealing for assistance from government disaster relief programs** where such support is available
• Seeking community or employer assistance where applicable

**Important Reminder for Motorists**

Flooding is increasingly becoming a seasonal risk in many parts of the country. Motorists are encouraged to review their insurance cover and consider **comprehensive protection with Special Perils cover** to safeguard their vehicles against natural disasters.

Insurance is designed to protect you not only from accidents, but also from unforeseen events such as floods.

If you are unsure about your cover or need guidance on the claims process, consult your insurance intermediary or insurer for professional assistance.

Stay safe and avoid driving through flooded roads whenever possible.

Tel: 0716 049 490



For more information on Floodswatch:

VISIT US HERE:WEBSITE: https://www.insuranceworldtv.co.ke/ YOUTUBE: https://www.youtube.com/channel/UCGTOzy5mwFZjlKqGLx...

22/01/2026

"At age 95, turn West! to Your destination..."

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06/12/2025

In this video, we break down the hidden cyber risks targeting your phone and explain why traditional phone insurance isn’t enough anymore. From SIM-swap fraud to identity theft, online scams, data breaches, account takeovers, cyberbullying, cyber extortion, and reputation damage — we cover the threats most people ignore until it’s too late.

06/12/2025

Your phone is insured… but is your digital life protected?

In today’s world, your smartphone holds far more than contacts and photos. It contains your M-Pesa, bank apps, passwords, WhatsApp chats, eCitizen accounts, social media logins, trading apps, online wallets, IDs, PINs, and personal documents.
Yet most people only insure the device — not the data, accounts, and identity inside it.

In our video today, we break down the hidden cyber risks targeting your phone and explain why traditional phone insurance isn’t enough anymore. From SIM-swap fraud to identity theft, online scams, data breaches, account takeovers, cyberbullying, cyber extortion, and reputation damage — we cover the threats most people ignore until it’s too late.

We also introduce Personal Cyber Insurance:
What it is, what it covers, what it doesn’t, and why every smartphone user in 2025 needs this extra layer of protection.

If your phone was stolen today…
Would you lose just the gadget, or your entire digital life?

👉 Watch here https://www.youtube.com/watch?v=ki7o-6BPKtI to learn how to protect yourself, your family, your identity, and your money.

👉 Perfect for individuals, gig workers, students, content creators, and anyone who uses digital services daily.

Cyber Insurance for your smartphone.Your phone is insured… but is your digital life protected? In today’s world, your smartphone holds far more than contacts...

27/10/2025

Ozempic (Semaglutide) in Kenya: Availability, Cost, Insurance & Regulations.

Availability in Urban Kenya (Nairobi, Mombasa)

Ozempic (semaglutide) is available in Kenyan cities – but only by prescription. Licensed pharmacies (both brick-and-mortar and online) stock Ozempic pens.

For example, Family Drugmart Nairobi lists Ozempic 1 mg injection at about KSh 66,500 per dose, and BetterLife Kenya sells a 1 mg pen for around KSh 64,000.

Clinics specializing in obesity or diabetes management also offer semaglutide injections under medical supervision. Nords Polyclinic (Nairobi) advertises weekly GLP-1 injections (4/week) in a weight-loss program (~KSh 75,000/month for the package).

Private wellness clinics – e.g., Dr. Stasch Clinic, Rayhaan Healthcare, Avané Clinic – explicitly incorporate Ozempic into their medically supervised weight-loss programs.

All sales require a doctor’s prescription. Kenyan authorities (Pharmacy & Poisons Board) stress that Ozempic is prescription-only and must be dispensed by authorized pharmacies on a valid Rx.

In practice, this means you need a physician or specialist to prescribe semaglutide. It cannot be bought over the counter.

Examples of outlets: Family Drugmart Kenya (online/in-store) and BetterLife Kenya (online) both list Ozempic pens for sale. familydrugmartkenya.com betterlifekenya.co.ke.

Clinics: Facilities like Nords Polyclinic and Nairobi Bariatric Center in Nairobi offer Ozempic injections as part of supervised weight-loss packages.

Prescription: The Pharmacy & Poisons Board emphasizes that only qualified medical professionals may prescribe semaglutide kenyans.co.ke.

Pricing – What It Costs per Month
Ozempic is quite expensive in Kenya. Local prices for a 1 mg weekly injection (the usual maintenance dose) are roughly KSh 64,000–66,500 per shot. Since most patients inject once a week, that works out to about KSh 250,000–270,000 per month.

In fact, a health report notes “in Kenya, one shot of the injection costs a whopping Ksh50,000”. (Early starter doses like 0.25 mg pens sell for slightly less, ~KSh 55,000 each, but patients are usually titrated up to higher doses.)

Some clinics bundle the injections. For example, Nords Polyclinic advertises 4 injections per month for KSh 75,000, though this likely reflects special pricing or use of a generic. In any case, budget roughly KSh 200,000–300,000 per month for a continuous Ozempic regimen.

Pharmacy prices: Family Drugmart – Ozempic 1 mg pen ~KSh 66,500; BetterLife KE – 1 mg ~KSh 64,000.

Clinic packages: Nords (Nairobi) – ~KSh 75,000 for 4 weekly shots per month.

Range: In practice, Kenyans report paying on the order of 50–66K per dose, i.e., roughly KSh 200–270K/month.

Insurance Coverage (Private Health Plans)
Currently, no mainstream Kenyan health plans cover Ozempic for weight loss. Private insurers generally treat weight-loss treatments as elective or “lifestyle” therapies. In fact, many policies explicitly exclude weight-management. That means if you take Ozempic purely to lose weight, you would pay out of pocket.

Even if you have private medical cover, insurers will only pay for Ozempic when it’s prescribed for an approved indication (type 2 diabetes) – and even then, only if that treatment is part of your declared condition. In other words, if you have a legitimate diabetes claim, the insurer might reimburse the cost of Ozempic as a diabetes drug, but they will not reimburse it as an obesity treatment. Because Ozempic is not licensed for weight loss in Kenya (see below), insurers view its use for slimming as off-label and non-essential.

No coverage for obesity: Health plans commonly list “weight management treatments and drugs” as an exclusion, effectively barring Ozempic when used for slimming.

Diabetes-only: Some insurers may cover semaglutide under a diabetes benefit (since Ozempic is approved for T2D) – but only when the patient is legitimately diabetic.

Why not covered: Off-label obesity use is seen as cosmetic/lifestyle. Until regulatory approvals change, insurance won’t cover it for weight loss.

Regulatory Status in Kenya
Kenya’s Pharmacy & Poisons Board (PPB) has only approved Ozempic for type 2 diabetes, not for obesity. In August 2025, the PPB warned the public that semaglutide is “strictly approved for the treatment of adults with uncontrolled type 2 diabetes” and cautioned against its unsupervised use for slimming. The PPB repeatedly emphasizes that semaglutide is a prescription-only medicine and that its off-label use for weight loss is inappropriate.

Importantly, the higher-dose weight-loss brand Wegovy (semaglutide 2.4 mg) is not available in Kenya at all.

In short, Ozempic can be legally used here only as a diabetes medication. No semaglutide product (Ozempic or Wegovy) is officially registered for obesity treatment in Kenya.

Approved use: Only for type 2 diabetes (glucose control).

Weight-loss use: Off-label and not approved; PPB explicitly has not approved Ozempic for weight management.

Wegovy: The obesity-specific semaglutide formulation is not sold in Kenya.

Citations

OZEMPIC (SEMAGLUTIDE) 1MG INJECTION - Family Drugmart Kenya

https://familydrugmartkenya.com/product/ozempic-semaglutide1mg-injection/

OZEMPIC (SEMAGLUTIDE) 1MG PFP 1`S - BetterLife KE

https://betterlifekenya.co.ke/product/ozempic-semaglutide-1mg-pfp-1s/

Weight Loss Injections -

https://nords.ke/weight-loss-injections/

Ozempic for Weight Loss: Everything You Need to Know About Ozempic Injections in Kenya - Rayhaan Healthcare

https://rayhaanhealth.com/ozempic-for-weight-loss-everything-you-need-to-know-about-ozempic-injections-in-kenya/

Ozempic for Weight Loss - Avané Cosmetic Dermatology Clinic and Aesthetic Medicine Clinic

https://www.avaneclinic.com/weight-loss/ozempic/

Ministry of Health Warns Against Off-Label Use of Semaglutide (Ozempic) for Weight Loss - Kenyans.co.ke

https://www.kenyans.co.ke/news/115406-ministry-health-warns-against-label-use-semaglutide-ozempic-weight-loss

OZEMPIC (SEMAGLUTIDE) 1MG INJECTION - Family Drugmart Kenya

https://familydrugmartkenya.com/product/ozempic-semaglutide1mg-injection/

Slim at any Cost: Inside Kenya’s risky weight-loss craze… from liposuction to diabetes drugs – Willow Health Media

https://willowhealthmedia.org/slim-at-any-cost-inside-kenyas-risky-weight-loss-craze-from-liposuction-to-diabetes-drugs/

OZEMPIC (SEMAGLUTIDE) 0.25MG PFP 1`S - BetterLife KE

https://betterlifekenya.co.ke/product/ozempic-semaglutide-0-25mg-pfp-1s/

Top 10 Medical Insurance Companies in Kenya

https://midline.co.ke/top-10-medical-insurance-companies-in-kenya/

Ministry of Health Warns Against Off-Label Use of Semaglutide (Ozempic) for Weight Loss - Kenyans.co.ke

https://www.kenyans.co.ke/news/115406-ministry-health-warns-against-label-use-semaglutide-ozempic-weight-loss

Slim at any Cost: Inside Kenya’s risky weight-loss craze… from liposuction to diabetes drugs – Willow Health Media

https://willowhealthmedia.org/slim-at-any-cost-inside-kenyas-risky-weight-loss-craze-from-liposuction-to-diabetes-drugs/

Ozempic for Weight Loss • Dr. Stasch Clinic

https://drstasch.com/blog/ozempic-for-weight-loss/


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