Boss to an employee:
Do you believe in life after death?

Certainly not, there’s no proof of it
Well, there is now.
After you left early yesterday to go to your
uncle’s funeral, he came here looking for you.



Customers are the lifeline of any business venture and treating them exceptionally well should always be any organizations major priority. At UAP, we aim to constantly exceed customer’s expectations. Our customers are ideally our brand ambassadors. We strive to offer excellent customer service at the very first contact point the customer has with the organization and endeavor to maintain this throughout our business relationship.


Business is done through the relationships that we make. Staying close to customers gives us the opportunity to develop key relationships, to demonstrate our expertise and increase confidence in the services that are offered by our firm.

In any business, there will always be complaints on services, so when this happens we make sure they know we will resolve them within the agreed timelines. We constantly update the customer and keep our promise. The customer is at the heart of our business.


At UAP Insurance, we offer a wide range of products tailored to meet your needs as our esteemed customer. One of these products is The UAP Makao Salama.MakaoSalama revised brochure-1

UAP Makao Salama is a unique, innovative cover that assures safety for your residential property, household contents, personal effects, domestic servants and liability to a third party.

What is covered:

1.    Assets All Risks Insurance

This is a comprehensive cover for loss or damage to your residential house, contents and personal effects as a result of fire, theft and other accidental occurrences. It also covers for common areas like swimming pools, perimeter walls, corridors,  lighting and equipment against:

  • Fire, lightning, explosion.
  • Earthquake
  • Storm , Flood, bursting or overflowing of water tanks, apparatus or pipes
  • Aircraft & other aerial devices &/or articles dropped there from
  • Impact from vehicles, horses or cattle
  • Riot and Strike.
  • Theft accompanied by actual forcible & violent breaking into or out of the building
  • Theft by employees
  • Theft resulting from hijack & hold-up
  • Damage to electronics resulting from power surge
  • Damage resulting from transit risks during relocation
  • Deterioration of foodstuff in the fridge to a limit of Ksh. 5,000/-
  • Guests and domestic employees effects to a limit of Ksh. 15,000/-
  • Medical expenses for accidental injury to guests by Insured’s’ domestic animals up to a limit of Ksh. 20,000/-

 2.    Liability Insurance (Personal Accident, WIBA and Common Law)

  • Personal and legal liability to the general public
  • Legal expenses arising out of suits by domestic employees
  • Work related medical expenses for employees

This product comes with other benefits like emergency ambulance services, fire brigade services, and alternative accommodation among other services.

Importance of Insurance

When you drop a coin into a lottery machine, you know that your chances of winning are pretty slim. But risking a coin or perhaps much more than that, may be worth it if the potential payoff is great enough. Insurance is similar to that. You pay premiums not because you expect to get injured today or get into a car accident next week, or lose Imageyour home in a fire next month, but because the peace of mind and the financial protection we provide are worth it.

By paying premium for insurance, you transfer the cost of the huge potential loss to the insurance company. Premium is the preferred small risk to the huge risk for example loss by fire. To induce people to take up insurance, the riskless alternative ought to be fair. We work tirelessly to bring people with similar risks together in what is called pooling and invest the proceeds in funds so that in the event a member suffers loss, they are compensated adequately.

Explore your insurance options and try to quantify your potential losses. It may be best to sit down with our professionals to figure out what types of insurance policies suits you best and how much coverage you actually need.

Why UAP Insurance

UAP insurance company, one of the leading insurance and financial services companies in east Africa became a Kenyan company since the year 2000, but our origins can be traced back over 80 years. Our mission is to enhance quality of life by delivering peace of mind and financial Imagefreedom through an exceptionally motivated team that delivers what customers want, when and where they want it. This mission influences how we approach what we do here and what we believe is important.

With a pool of highly talented and motivated employees, primarily based in Nairobi and a network of branches spread across Kenya, we are able to serve and empower our customers by offering relevant services that enhance their quality of life.

We recognize that to achieve leadership we have to be revolutionary, customer focused and inclusive. We continuously innovate and set the pace for the market. Our vision requires us to provide leadership in the markets we serve. We have a number of achievements to show for this: we were the first insurance company to be ISO 9001:2000 certified; we have achieved the highest credit rating, Global Credit Rating (AA+); we have been awarded the FiRe award for best presented accounts for seven consecutive years.

At UAP, we make it Better, we make it Simple and we make it about your Life.

Tests Done During Pregnancy.

The antenatal visits are incomplete without some basic investigations. These are specifically chosen since they screen for the most common conditions that occur in pregnancy and are associated with increased risk either to the mother and/or the baby. The tests routinely done include:

  • Hemoglobin – this is the blood level test which is usually done to determine if the mother is anemic. The requirements for iron in pregnancy increase due to the growing baby and hence mothers are at risk of lower blood level/anemia. If anemia is present, iron supplementation is given to increase the blood level. This is crucial since hemoglobin delivers oxygen to the body and the baby during the pregnancy. In addition, during delivery it is expected that the mother will lose some blood which lowers the blood level. It is therefore necessary to ensure that the blood level is high enough to allow for other to safely go through delivery.
  • Blood group – blood group has two components, the group (O, A, B or AB) and the Rhesus factor (positive or negative). The Rhesus factor is what is crucial during pregnancy. If a mother is rhesus negative, and the baby is rhesus positive, then the mothers’ blood produces antibodies against the rhesus positive blood. These antibodies will then attack and destroy the baby’s blood cells. This attack does not usually happen in the first pregnancy, but rather affects subsequent pregnancies. Testing is crucial since once it is ascertained that a mother is rhesus negative, medication to prevent the production of antibodies can be administered.
  • Blood sugar – this is done to screen for diabetes mellitus. There are mothers who develop diabetes in pregnancy which needs to be controlled to allow for the normal growth of the baby.  The diabetes can resolve after delivery but it may also persist thereafter and thus follow up even after delivery is advisable if diabetes occurs during pregnancy.
  • Hepatitis B, HIV, and syphilis – these blood tests are done to screen for these infections which can be transmitted from mother to baby during pregnancy. These diseases left undiagnosed have serious consequences on the outcome of the baby. It is important for these to be diagnosed if present in order to take steps to reduce the likelihood of transmission to the baby.
  • Urinalysis – the urine test is performed in every antenatal visit to screen for urinary tract infections. In some cases, bacterial infection can be present without any symptoms (asymptomatic bacteriuria) and hence the need for routine testing even when no symptoms exist. Urinary tract infections can increase the risk of premature labor or progress to the more serious infection of the kidneys. Early detection and treatment in pregnancy cannot be overlooked. 
  • Ultrasound – it is recommended that at least 3 obstetric ultrasounds should be done during pregnancy. However, there is no limitation on the number in the event more are required since they are not harmful to the mother or the baby. One ultrasound is done at each trimester.
  1. In the first trimester the ultrasound is mainly to confirm the dates. This is useful since many mothers either had irregular cycles or were on contraceptives and are thus not sure about the dates of their last period. The ultrasound ensures that the dating of the pregnancy is done accurately.
  2. In the second trimester, the ultrasound is done at about 20 weeks to screen the baby for any abnormalities of the heart, brain and the abdomen.
  3.  In the 3rd trimester, the ultrasound is done mainly to confirm the position of the baby (head down or breech) and also the position of the placenta.

 However, in all the ultrasounds, there are other general features of the pregnancy that are monitored. Other tests may be required but the above are the basic that are required in all pregnancies as part of antenatal care.

Antenatal FAQs

What is the normal weight gain during pregnancy?

The recommended weight gain for am singleton pregnancy is between 11 and 15kgs. However, for multiple pregnancies such as twin pregnancies, the weight gain can be up to 19kgs. Mothers who may be obese before pregnancy are advised to control weight gain during pregnancy.

Can I get vaccinations during pregnancy?Image

Tetanus vaccine is given routinely during pregnancy. However, before getting any other vaccines it is advisable to discuss this with your obstetrician since most vaccines are not recommended during pregnancy.

Can I use over-the-counter medication for minor illnesses?

There are many drugs commonly used for minor illnesses that should not be used in pregnancy. It is therefore not advisable to buy medication over-the-counter without consulting your doctor. It is preferable to only use prescribed drugs. The same applies for vitamins and herbal products; they should only be used consulting your doctor.

Can I travel during pregnancy?

Travel is allowed during pregnancy but flying may be restricted by airlines after 37 weeks. The concern in this case is the preparation to handle with an emergency in-flight such as labor. In addition, sitting for long periods during pregnancy is not advised since it increases the risk of developing deep venous thrombosis (blood clots within the veins usually in the legs). If its unavoidable, then discuss the travel plans with your obstetrician.

Are seatbelts safe during pregnancy?

Seatbelts should be worn anytime one travels. The belt should pass between the breasts to the hip, and the lower belt should pass below the uterus.

Is sex safe in pregnancy?

Sex is safe throughout pregnancy. However, couples should choose sexual positions that are comfortable for the mother. Discuss this openly with your partner.

Can I continue with physical activity like household chores and exercise?

It is advisable to continue being physically active during pregnancy. However, care should be taken to avoid over-exertion. Exercise should also be chosen to avoid any risky regimens. Before embarking on any exercise program, discuss it with your obstetrician to ensure that it is safe during pregnancy.

Is use of steam baths and sauna safe in pregnancy?

The use of steam baths and saunas during pregnancy is not advisable. However, there are some who believe that they can be used but the sessions must be limited to a maximum of 5 minutes.

Are there any foods I should avoid during pregnancy?

Any food can be eaten during pregnancy, as long as it is done in moderation. However, the amount of fish, caffeine and vitamin A should be regulated during pregnancy. In addition, alcohol and smoking should be strictly restricted as they are associated with complications to the baby.

What are the danger signs I should look out for during pregnancy?

There are 5 main danger signs that any pregnant mother should look out for. If any of these occur, then it is advisable to visit your obstetrician or any other health care facility as soon as possible:

  • Vaginal bleeding – though this could be just spotting, it is advisable to visit your health care provider to ensure that there is no risk of a miscarriage.
  • Rupture of membranes – also known as breaking of waters. This occurs when there is drainage of amniotic fluid, which could indicate onset of labor or premature labor.
  • Contractions – this is described as pain that increases in frequency and intensity, and which may radiate to the back or to the inner thigh.
  • Reduction in the fetal movements – if the movements of the baby reduce noticeably or stop altogether, then an urgent review is advisable.
  • Headache with blurring of vision – this may be an indicator of elevated blood pressure, also referred to as pre-ecclampsia, which can rapidly progress to ecclampsia. These conditions are emergencies and thus the onset of headache with blurred vision should prompt am visit to the doctor.