Heritage Insurance is an international insurance company in Kenya which deals in both both general and medical insurance covers to several segments including individuals, SMEs and corporate customers. The company has its origins in South Africa as part of the Liberty Group. In Kenya it is closely associated with Liberty Life which is a top provider of life assurance products and investments for a wide range of clientele in the East African region.
Liberty is one of the biggest insurance companies in South Africa with its headquarters in South Africa. Further still it is also closely related to the Standard group from South Africa, which has local presence in the region under the Stanbic Bank brand. Its sister company Stanbic Bank is the leading commercial bank in Uganda.
Heritage offers 5 standard travel insurance plans targeting all geographical areas world wide with specific packages tailored for individuals, students and corporates. It enjoys a large share of the travel insurance market among corporate customers and also the travel agencies market. These sell travel insurance covers as part of their holiday and business travel packages. The five travel insurance plans offered by Heritage are Smart Plan Plus, Smart Plan, Budget Plan, Schengen and Student plan.
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The different plans differ by the limits of cover/liability that are offered. The highest cover provides up to USD 325,000 for emergency medical expenses all the way down to USD 50,000 for the Schengen and Student plans. For a complete comparison of the different plans available from Heritage insurance, check out the details on the brochure.
The below table summarises the main benefits offered across the Heritage travel insurance plans and their respective limits
|Benefit||Smart Plan Plus||Smart Plan||Budget Plan||Schengen||Student|
|Cancellation & Curtailment||$2,000||$1,500||Not Covered||Not Covered||Not Covered|
|Baggage Delay||$200||$200||$50 for each 12hrs||$50 for each 12hrs||$50 for each 12hrs|
|Travel Delay||$50 for each 4hr delay||Not Covered||$10 per hour max $50||$50 for each 12hrs||$50 for each 12hrs|
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