Amssurity Insurance Agency

Amssurity Insurance Agency Simplifying insurance, creating relationships and comparing insurance

A lower premium can feel like a smart financial decision.Sometimes it is.Sometimes it just means the real cost has been ...
11/05/2026

A lower premium can feel like a smart financial decision.

Sometimes it is.

Sometimes it just means the real cost has been moved somewhere else:

- lower limits
- narrower access
- co-payments
- exclusions
- smaller cushions when the bill gets serious

That is the trap.

The buyer feels relief now.
The pressure appears later.

A lot of bad insurance decisions are not reckless.
They are simply incomplete.

The real question is not,
“How much am I saving this month?”
It is,
“What financial exposure am I still carrying after I buy this?”

Check: compare the premium against the inpatient limit, outpatient limit, major exclusions, and any co-payment requirement.

Save this. Lower price and lower risk are not the same sentence.

Amssurity

Before we understood policies, planning, or protection, many of us first saw care in the way a mother showed up.In the e...
10/05/2026

Before we understood policies, planning, or protection, many of us first saw care in the way a mother showed up.

In the early mornings.
In the quiet sacrifices.
In the details she remembered before anyone else did.
In the way she thought ahead, often without being asked.

This Mother’s Day, we honour the mothers, grandmothers, aunties, guardians, and mother figures whose care has protected families long before any policy ever could.

Because the best protection has always started with someone who cared enough to think ahead.

08/05/2026

A co-pay sounds small until the bill is in front of you.

A co-pay is the part of the bill you still pay yourself when you use the cover.

It is not automatically bad.

But it is a real trade-off, and real trade-offs should be understood before you buy — not discovered when you are already seeking treatment.

Ask: when I use this benefit, how much still comes back to me?

Save this.

Most maternity cover is bought after the key decision has already been made.That decision is timing.Maternity planning i...
06/05/2026

Most maternity cover is bought after the key decision has already been made.

That decision is timing.

Maternity planning is not only a price question.
It is a calendar question.

Waiting periods shape the real choice set.

Save this while maternity is still a planning issue, not an urgent one.

If you want the Maternity Timing Checklist, DM MATERNITY.

Waiting periods are easy to ignore when life is calm.Then life speeds up.A diagnosis appears.A treatment gets scheduled....
04/05/2026

Waiting periods are easy to ignore when life is calm.

Then life speeds up.

A diagnosis appears.
A treatment gets scheduled.
A relationship becomes marriage.
A maternity plan moves from “someday” to “soon.”

Now the policy you thought would help can only help later.

That is not a small detail.
That is a timing trap.

A lot of people buy cover assuming time is on their side.
Then real life changes the schedule before the policy does.

Check: confirm whether your policy has waiting periods for maternity, pre-existing conditions, chronic care, dental, optical, or specialist treatment.

Save this. Some insurance gaps are not about amount. They are about timing.

01/05/2026

Most people know they have company cover. Fewer know what it actually says.

Start with three checks:

1️⃣ Annual limit
2️⃣ Sublimits
3️⃣ Exclusions or conditions

“We have medical cover” is too broad to help you when you actually need care.

The quality of the cover is in the details.

Send this to a colleague who has never checked their policy.

Hashtags:

The first medical cover mistake is thinking you are mainly buying hospital access.You are buying a structure:1️⃣ limits,...
29/04/2026

The first medical cover mistake is thinking you are mainly buying hospital access.

You are buying a structure:

1️⃣ limits,
2️⃣ waiting periods,
3️⃣ co-payments,
4️⃣ exclusions,
5️⃣ and claims logic.

The hospital is the visible part.
The mechanics decide the outcome.

Save this if you are buying serious cover for the first time.

If you want the Plain-English Starter Checklist, DM START.

A lot of people hear one comforting phrase:“Outpatient is included.”But that is not the real decision point.Because the ...
27/04/2026

A lot of people hear one comforting phrase:

“Outpatient is included.”

But that is not the real decision point.

Because the sharper question is:

1️⃣ Included up to what annual limit?
2️⃣ For which services?
3️⃣ Under what structure?
4️⃣ How quickly can that amount become too small?

If consultations, tests, prescriptions, and follow-ups all pull from one pool, the pool size matters more than the presence of the benefit.

That is where many people get misled.

A yes/no answer can hide a weak number.

Check: confirm your annual outpatient limit and whether tests, consultations, pharmacy, and specialist visits all draw from the same amount.

Save this. Presence of cover is not the same as adequacy of cover.

24/04/2026

You can walk out of hospital without admission and still walk out with a bill.

That is where many people misunderstand outpatient cover.

They hear “treatment without admission” and assume everything outside admission is automatically covered.
It usually is not.

Your policy may still limit what gets paid through:

1️⃣ sublimits
2️⃣ co-payments
3️⃣ panel restrictions
4️⃣ excluded diagnostics
5️⃣ pharmacy limits
preauthorisation rules

So the real question is not,
“Was I admitted?”

It is,
“Was this expense actually claim-ready under my outpatient terms?”

That is the gap that catches people.

Before you rely on outpatient cover, check:

1️⃣ which services sit inside the outpatient benefit
2️⃣ whether labs, scans, and drugs share the same limit
3️⃣ whether you must use a panel provider
4️⃣ whether there is a co-payment on every visit

A policy can say outpatient and still leave you with an expensive surprise later.

Save this for your next policy review.

“Covered” is one of the most dangerous words in medical insurance. It sounds complete. Usually it hides detail. Covered ...
22/04/2026

“Covered” is one of the most dangerous words in medical insurance.

It sounds complete.
Usually it hides detail.

Covered for what?
With which limits?
Which waiting periods?
Which co-payments?

Do not stop at the word.
Ask for the schedule.

Keep this for the next time someone says, “I’m covered.”

If you want the Claim-Ready Schedule Review Page, DM SCHEDULE.

“Comprehensive” sounds final.Like the thinking is done.That is exactly why it is dangerous.Because what actually matters...
20/04/2026

“Comprehensive” sounds final.
Like the thinking is done.

That is exactly why it is dangerous.

Because what actually matters is not the label. It is the structure under it:

1️⃣ Is maternity included or delayed?
2️⃣ What are the dental and optical caps?
3️⃣ Is chronic cover restricted?
4️⃣ Where are the co-payments?
5️⃣ Where are the sublimits hiding?

A reassuring word can cover a very unreassuring reality.

The sharper question is not,
“Is this plan comprehensive?”
It is,
“What does this plan still limit, exclude, delay, or cap?”

That is the Amssurity question.

Check: ask for the schedule of benefits, not just the plan name.

Save this. Good insurance decisions start where brochure language stops.

Address

Watermark Business Park, Karen
Nairobi

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00
Saturday 09:00 - 12:00

Telephone

+254762065500

Website

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