Zambia · InsuranceStaff HealthCover
Your best talent stays when you invest in their health. From 2 employees.
Trusted Cover
Zambia · Acentria
About This Cover
Why Staff Health Cover?
Employee health benefits are Kenya's #1 staff retention differentiator — ahead of salary in mid-market surveys. Sick days cost Kenyan businesses an estimated KES 3.2 billion annually in lost productivity. Acentria Staff Health Cover gives employers of any size access to Fortune 500-style group medical benefits — with 500+ approved hospitals, 2-hour pre-authorisation, and a dedicated corporate claims team that handles everything so HR doesn't have to.
"Your best talent stays when you invest in their health. From 2 employees."
Coverage Details
What's Covered
Staff Health Cover covers a wide range of risks to give you and your loved ones complete peace of mind.
Group inpatient and outpatient cover
Dental, optical, and maternity benefits
Chronic disease management programme
Staff wellness and preventive care
Pre-existing condition cover (after waiting period)
Dedicated corporate account manager
Online member portal and mobile claims tracking
Last expense / funeral benefit (add-on)
Why Acentria
Why Choose Us
From 2 Employees Upwards
Most insurers require 5+ staff for group cover. We start at 2 — making premium group benefits accessible to startups and small businesses from day one.
500+ Approved Hospitals
Aga Khan, Nairobi Hospital, MP Shah, Kenyatta National Hospital, and 500+ across Kenya and East Africa. Direct billing — your staff never pay out of pocket for covered treatment.
HR-Free Claims Management
Our dedicated corporate claims team handles pre-authorisations, disputes, and reimbursements directly with hospitals and staff — zero burden on your HR team.
Simple Process
Getting Covered Is Simple
Get a Quote
Fill in a simple online form or call us. Receive a personalised quote within minutes.
Choose Your Plan
Compare plans, pick the level of cover that fits your life stage and budget.
Get Covered
Pay your premium, receive your policy instantly, and enjoy peace of mind from day one.
Common Questions
Frequently Asked
We have all the answers. If you don't find yours here, our specialists are a call away.
Instant Estimate
How Much Will It Cost?
Get an indicative premium in seconds — no forms, no callbacks.
Premium Calculator
Get an Instant Estimate
Indicative premiums — final pricing subject to underwriting
Estimated Premium
Indicative only. Exact premium confirmed at application.
No commitment · 2-minute form
Proof, Not Promises
Real Claims. Real Outcomes.
Every number represents a real client we helped get back on their feet. Details anonymised to protect privacy.
Mining Equipment — Breakdown & Fire
Copperbelt Mining Support
A Copperbelt mining support company suffered a combined breakdown and fire incident involving a key excavator. Acentria mobilised a specialist engineering adjuster within 48 hours and coordinated the valuation and replacement process. Full replacement value was paid within 14 working days and operations resumed on schedule.
Amount Paid
ZMW 850,000
Settlement
14 days
Motor — Fleet Vehicle Accident
Lusaka Logistics Company
A Lusaka logistics company's fleet vehicle was involved in an accident on the Great East Road, sustaining significant bodywork and mechanical damage. Acentria lodged the claim, managed the assessment process, and confirmed an approved repairer. Full repair costs were settled in 9 working days, keeping the fleet operational.
Amount Paid
ZMW 95,000
Settlement
9 days
Home — Burglary During Travel
Private Individual
A Kabulonga homeowner returned from an international trip to find the property had been burgled and electronics and valuables stolen. Acentria guided the client through the police report and documentation requirements. New-for-old replacement at current market value was settled within 7 working days — no depreciation applied.
Amount Paid
ZMW 45,000
Settlement
7 days
Have a claim to report? Report it here →
Authorised & Regulated
Fully Licensed Across Africa
Acentria operates under the regulatory oversight of the relevant national insurance authorities in every market we serve — so your cover is always backed by law.
2025 Claims Performance
Backed By The Best
Our Reinsurance & Partner Network
Acentria's capacity is supported by the world's largest reinsurers and trusted African financial institutions — so every claim is backed by solid capital.
Reinsurer
Reinsurer
Reinsurer
Reinsurer
Client Stories
Trusted by Thousands Across Africa
Reinsurance solutions that are responsive, expertly structured, and competitively priced. Acentria is our first call for any African risk placement.
Solomon Nyirenda
Chief Risk Officer, Zanaco Bank
Where We Are
Our Offices Across Africa
Every office commits to our service response SLA — so you always know when to expect to hear from us.
Lusaka
Cairo Road, City Centre, Lusaka
Get Started Today
Secure What Matters Most. Let Acentria Tailor Your Staff Health Cover.
Speak with one of our Zambia specialists today and get a personalised solution within 24 hours.
Explore More