APA Insurance Contacts: Customer Care Number, Paybill, WhatsApp and Branches

Updated 26 October 2026

APA Insurance’s contact centre is +254 709 912 777, its WhatsApp line is +254 748 664 100 and its email is info@apainsurance.org. Pay general insurance premiums to M-Pesa paybill 511600 and APA Life premiums to paybill 527600. The head office is at Apollo Centre, Ring Road Parklands, Westlands, Nairobi, and the company lists 13 offices across Kenya.

APA Insurance is part of the Apollo Group, which also owns APA Life Assurance, APA Uganda, Apollo Asset Management and Reliance Insurance in Tanzania. Because the general and life businesses are separate companies, they use different paybills and portals. Paying into the wrong one is the most common mistake customers make, so this guide sets out which number does what, how to report a claim and where every branch is.

APA Insurance Contacts at a Glance

How to Pay APA Insurance Premiums With M-Pesa

APA publishes two paybills. Pick the one for the company that issued your policy, which is printed on your policy schedule or renewal notice.

1. Open M-Pesa and choose Lipa na M-Pesa, then Pay Bill.
2. Enter 511600 for APA Insurance (general covers such as motor or medical) or 527600 for APA Life.
3. For the account number, enter your policy number exactly as it appears on your documents. APA does not publish a separate account format on its contact page, so if you are unsure, ask the contact centre before paying.
4. Enter the amount, then your M-Pesa PIN, and keep the confirmation SMS.
5. Send the M-Pesa message and your policy number to info@apainsurance.org or the WhatsApp line if the payment does not show on your policy within a reasonable time.

For general tips on avoiding wrong-account payments, see our guide to paying a paybill with M-Pesa.

How to Report a Claim With APA

APA’s Make a Claim page on its website runs claims through an online form. You first pick the product you are claiming on. The options listed are:

• Motor claim for accidents, theft or damage to an insured vehicle.
• Health claim for medical covers, including reimbursement of bills.
• Life claim (personal) for individual life policies.
• Life claim (group) for employer-arranged group life schemes.

You can also start or follow up a claim through the contact centre on +254 709 912 777. For hospital admissions under a medical cover, APA gives a dedicated line, +254 709 912 888.

Documents to have ready

APA’s claim page does not list every document by product, but these are the items Kenyan insurers usually ask for, so gather them before you start:

• Your policy number and a copy of your ID or company registration papers.
• For motor claims: the driver’s licence, the logbook or proof of ownership, photos of the damage and a police abstract for accidents and theft. Our guide on how to get a police abstract explains how to get one.
• For health claims: original invoices, receipts, the doctor’s report and prescriptions.
• For life claims: the death certificate, the claimant’s ID and the policy document.

Report a motor accident as soon as you can. Delays make it harder to inspect the vehicle and can be a reason for questions about the claim. For a wider look at how claims run at other big insurers, read how insurance claims work with CIC, Madison and Britam.

APA Insurance Branches and Contacts

The table below lists the offices published on APA’s contact page on October 26, 2026.

Online Portals

APA’s website links to several self-service portals, so you do not always need to call:

• Customer Portal for general insurance policyholders.
• APA Life Client Portal for life policyholders.
• APA Life Intermediary Portal for agents and brokers.
• Pension Self Service Portal for pension scheme members.
• Buy online options for motor cover, travel cover, marine open cover, marine single transit and home (domestic package) cover.

How Fast APA Says It Will Respond

APA’s customer service charter, published on its About Us page, sets these targets:

If a complaint is not resolved within those timelines, put it in writing to info@apainsurance.org and keep a copy. Insurers in Kenya are regulated by the Insurance Regulatory Authority (IRA), which handles complaints that an insurer fails to resolve.

What APA Insurance Covers

APA’s website lists personal covers including Bima Bamba, private motor, travel insurance, home cover (domestic package), pet insurance, personal accident, golfers cover and family health covers such as Jamii Plus. It also sells marine, agriculture and business covers. Compare medical options in our guide to medical insurance covers in Kenya, and see where APA sits among the biggest insurance companies in Kenya. For public health cover questions, use the SHA contacts guide instead, because SHA is separate from private insurance.

Other Insurer Contacts

• Jubilee Insurance contacts
• Britam contacts
• ICEA Lion contacts

Frequently Asked Questions

What is the APA Insurance customer care number?

The contact centre is +254 709 912 777. For medical emergencies and admissions, call +254 709 912 888.

What is the APA Insurance paybill number?

Paybill 511600 is for APA Insurance general covers, and paybill 527600 is for APA Life. Use your policy number as the account number.

Does APA Insurance have a WhatsApp number?

Yes. APA lists +254 748 664 100 as its WhatsApp number.

Where is the APA Insurance head office?

At Apollo Centre, Ring Road Parklands, Westlands, Nairobi. The landlines are 020 286 2000 and 020 364 1000.

Is APA Insurance the same company as APA Life?

No. Both belong to the Apollo Group, but APA Insurance handles general insurance and APA Life handles life and long-term policies, which is why each has its own paybill.

Phone numbers, WhatsApp, paybills, email, head office and branch list checked on the Contact Us, Claims and About Us pages of apainsurance.org on October 26, 2026. Branch phone lines change from time to time, so confirm with the contact centre before travelling.