Gemstar Gold Policy

We are dedicated to providing solutions that secure your business from unprecedented dangers.

What is Gemstar Gold Policy?

The Gemstar Gold policy is a Geminia exclusive plan that offers a combination of savings, insurance protection,and covers the family’s investment especially in the eventuality of permanent disability, critical illness or death. We guarantee a unique combination of benefits totalling to 500% of the sum assured in equal investments from 5 yrs before maturity or upon death of the policy holder.

To get Gemstar Gold Policy please click GET STARTED.

Who is the Policy For?

Individuals seeking a life insurance policy that covers multiple aspects of their lives ie. critical illness, disablement, and death while offering a partial savings plan.


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Systematic investment planning to secure one’s family during their lifetime and offers financial security for one’s spouse and children in case of unfortunate demise 
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Grants the policyholder an option of periodic cash-backs to cater for regular financial needs
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Provides room for education planning and ensure a bright future for your children during the policy duration
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15% Income Tax Relief up to a max. of Ksh. 60,000 per year) on premiums paid as per The Income Tax Act (cap 470).
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Maturity benefit payable regardless of whether the death benefit has been paid or not
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Death benefit payable on unexpected death during the policy term
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Addition benefit payable upon critical illness during the policy term
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All under one policy with a unique 500% in benefits. 
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15% Income Tax Relief up to a max. of Ksh. 60,000 per year) on premiums paid as per The Income Tax Act (cap 470).  
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