Who We Are

Standing with families, one moment at a time

Mwanga Comforts is a member-based welfare support program built around the real needs of Kenyan families — healthcare, dignity in loss, education, and financial relief.

Our Story

Community welfare, organized with care

Mwanga Comforts was created because life's most important moments — a hospital admission, a new baby, the loss of a loved one, or a child's school fees — often arrive without warning. We bring members together into one welfare community so that, when a need arises, the burden of sudden costs is shared, not carried alone.

Through structured membership grades and clearly defined cover plans, every member knows exactly what support is available to them and their family, at every stage of life.

Our Mission

Tuangaze mbele pamoja

"Let's shine forward, together." We exist to give members dignity, care, and peace of mind during hospitalization, childbirth, bereavement, and their children's education — so families can face what life brings with confidence rather than financial fear.

Terms & Conditions

Our Terms and Conditions

A clear outline of how membership, cover plans and claims work. Tap each item to read the full condition.

Mwanga Afya Cover only caters for inpatient services.

A member must be actively remitting their monthly subscriptions, including for the month of admission.

A member must have been with the welfare for a period of 4 months for purposes of Mwanga Afya Cover, from the first date of remitting their first monthly subscription.

A member must have been with the welfare for a period of 4 months for purposes of the Mwanga Farewell Cover scheme, from the first date of remitting their first monthly subscription. A member who is 70 years and above must have been with the welfare for a period of 6 months for purposes of the Farewell Cover scheme.

The next of kin for members who are above 70 years must also be active members of the welfare, either separately or jointly.

The annual maximum available in Mwanga Afya Cover will be divided among the beneficiaries, with each beneficiary having an equal share.

For the first hospital admission, Mwanga Comforts will top up the total members' contribution with Ksh 4,000 to be given to the member where the bill exceeds the members' total contribution. This rule applies to members with less than Ksh 15,000 in their accounts.

The annual maximum available will be paid in the ratio of 30:30:40 in case of any admission for Grades 1, 2, 6 and 7, whose total contribution is more than Ksh 15,000 at the point of admission.

The annual maximum available will be paid in the ratio of 40:30:30 in case of any admission for Grades 3, 4, 5, 8 and 9, whose total contribution is more than Ksh 15,000 at the point of admission.

For return patients admitted within a period of less than 3 months, Mwanga Comforts shall only give Ksh 2,000 in addition to half the members' contribution, for members whose contributions are below Ksh 15,000. This is translated in the ratios of 15:15:20 and 20:15:15 respectively.

Mwanga Afya Cover fully covers maternity costs under the Maternity program, with additional benefits, for members who have been with us for 12 months.

Mwanga Afya Cover should be claimed within 72 hours after discharge and not more than 7 working days thereafter.

The default period for both Mwanga Afya Cover and Mwanga Farewell Cover is 30 days, exclusive of the month of need.

In case of any default in monthly subscription, the grace period for qualification on services will resume afresh from the new date of monthly subscription: 3 months for Mwanga Afya Cover, 4 months for the Mwanga Farewell Cover scheme for members under 70 years, and 6 months for the Farewell Cover scheme for members over 70 years — subject to waivers as may be communicated from time to time.

Mwanga Comforts shall only cater for three funerals per family per year. The funerals, unless accident-related, must be spaced four months apart.

Mwanga Comforts shall not convert its services to cash or monetary equivalent. Only the listed services shall be provided.

In cases where a member belongs to another organization offering similar services as Mwanga Comforts, the same services shall not be offered or converted to monetary value. Mwanga Comforts shall only provide additional services not offered by the said organization.

Maisha Companion shall attend to all qualified funeral claims reported at least 72 hours prior to the date of burial. For reports falling below 72 hours, the family will be requested to push the burial date forward to accommodate the required notice for service facilitation and logistics.

For frequently asked questions grouped by topic, visit our full FAQ page.

How It Works

From registration to receiving support

Register as a member

Be 18 years or older with a valid national ID, fill in the membership application form, and pay the one-time Ksh 200 registration fee.

Choose your membership grade

Select the category that matches your household — single, couple, nuclear family, or family with dependent parents — from Grades 1 to 9.

Remit your monthly subscription

Pay your monthly contribution via M-Pesa Paybill to stay active and in good standing under your chosen plan.

Complete the qualifying period

Each cover plan has a waiting period — typically four months — from your first subscription before a claim becomes valid.

Receive support when you need it

Report a hospitalization or bereavement claim within the required notice period, and Mwanga Comforts steps in with the services and benefits under your plan.

Ready To Join

Become part of the Mwanga Comforts family

Become a Member