Insurance in our African region is not seen as a very important necessity compared to other places in the world. For the past few decades since this practice was introduced to the African population it has been something for the elite only. It was tailor made for the working class people because they were the only group that was earning regular income and could afford to pay for the annual premiums. Such actions made the insurance companies that were there by then lay a very segregating foundation of this industry. As years followed more and more insurance companies from both local and international spectrum which were joining this market didn't bother to alter these barrios. These aspects later led into a mental state from the low income earners and people who were coming from the informal sector that such things like "Health insurance" policies were not ment for them. A tradition which have led to the stagnant grow of our insurance industry compared to others. De