Fellow Underwriters “God provides food for every bird but not in its nest”.

                                                                                                                                           By Mecha

                                Chicken Insurance,

                                            “The Insurance penetration factor”

The Target Groups

  • Women in rural area
  • youths in rural areas
  • Schools
  • Colleges and Universities


This is the simplest form of Micro-Insurance cover. It seeks to change the way corporate social responsibilities are done by Underwriters in the industry. The Initiative seeks to work and empower the rural communities. We seek to increase the national insurance penetration by training and creating awareness about the importance of insurance in communities. Our objective is to protect rural based youths and women from loss of their important asset, the chicken, And at the same time reducing poverty and enhance insurance penetration in Kenya and Africa as a whole. It is our obligation to create awareness and make people understand the importance of insurance in the economy. We must tap into SME market if we are to be innovative and live longer.

The government has not made insurance a compulsory aspect in Kenya although its protection is very important in the well-being of the economy. Insurance penetration stands at 2.59% to the GDP unlike in South Africa where insurance penetration stands at 14% . This means that the insurance sector in Kenya is a virgin market that has not been well tapped. Insurance companies need to be innovative enough to exploit this market and enhance the penetration to at least 5% in the next like 2 years.

The Kenyan banking sector stands at 10% GDP contribution and penetration. This is because of the the fact that they have tapped into the class of population that accounts close to like 65% of the total population I.e. the middle and the low class or the low income earners, that actually are the majority.

The government has made very important and bold step of making it compulsory to take Marine insurance locally. This is a big boost to the insurance industry. I believe in the next evaluation, insurance penetration will stand at above 2.90% if not 3.0%. Insurance underwriters therefore must do their part. Let us not wait to be spoon fed by the government. We must be ready to plant our trees if we want our children and our childrens' children to get shade.

In regard therefore, we must change as the insurance industry, the way we conduct our corporate social responsibility. We must move away from CSR to Corporate Social Investment. If for example we borrow a leaf from banks, they have foundations as a corporate social investment vehicle and not corporate social responsibility. Equity bank for example, has “Wings to Fly an investment for need students. KCB bank and other banks have the same initiatives. The research done shows that those pupils and students must have bank accounts with respective banks or they become members or even staffs of those banks. This ia a typical example of a corporate social investment.

The chicken insurance seeks to be the innovative and revolutionary approach to the penetration and restoring trust to the public. It seeks to be the best insurance penetration factor. We must tap into the middle class and the low income earners. Insurance should not be taken as a protection tool for the rich. We must empower these categories so that they are translated to consumers of the product. I.e planting trees today for a shade tomorrow. The chicken here is a symbolic for the smallest asset that is universal and that can be insured. If this smallest asset can be insured, then nothing that involves financial loss cant be insured. From the chicken insurance , we can have smaller units like Personal accident for Chamas, students and pupils in schools, Education Covers, Life covers , household products and any other micro-products.

The objective of chicken insurance is to enhance the Micro-Insurance and insurance penetration in Kenya and Eastern Africa as a whole. It seeks to change the perspective of insurance in the industry. Through chicken insurance it is evident that any asset can be insured. No asset is small to afford loss. The insurable interest in any asset, big or small is the same. The chicken cover is a sure test for insurance penetration.


  • To increase Micro-Insurance penetration in rural areas
  • Curb the problem of school drop outs through “One Pupil One Egg Initiative
  • Improve local poultry breeds through the use of superior and pedigree breeds.
  • Economically empower rural women and youth. This will alleviate poverty and malnutrition in our communities.
  • Provide renewable source of energy (Biogas) to rural households.
  • Improve healthcare insurance in our rural communities.
  • Promote the culture of saving, financial literacy and prudent resource management.
  • Create a culture of social insurance and enhance togetherness (cohesion).   

Business Model

The chicken Insurance works by organizing together women & youths , train them on modern poultry and livestock farming by use of modern Technology for a period of two months and after completion of the training each fully subscribed member is given five chicken which s/he should agree to take good care. After as period of six months, the member should agree to give back ten hens of the same size like the one S/he was given to allow for sustainability and reaching more members. The member must multiply the remaining hens to a minimum of 100 hens in a period of 12 months which then shall be bought back and be given a cow. After given a cow, we then install a simple Biogas system that a member uses for cooking, lighting and running simple machines. Our major objective is to enhance insurance penetration, improve the livelihoods of rural people and make them understand the effects of climate change. We want to ensure near-zero change in our earth's climate, but at the same time realizing tangible economic growth and improved living standards for our people. We seek to curb the problem of cutting down trees (deforestation) for firewood and charcoal burning that has become a menace in today's rural livelihoods. We also seek to buy milk from members, treat it, package and give it to schools as "Back to school Milk ". A goal that is aimed at curbing school kids dropping out of school. Our objective is to “Bring Tomorrow Today”.

Membership application and requirements

For one to be a member of the programme, the person must meet the following requirements.

  • Must have a strong desire of achieving his/her dreams.
  • Must subscribe as a live member with a registration fee of kshs.100/- one off.
  • Must get a training about chicken insurance , breeding and record management.
  • A member is required to raise an insurance fee of kshs.100/- per hen before given a hen to cater for unforeseen risks of death.  
  • The member must provide valid identification documents.

Thanks for your input and support.


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