A 29-year-old man, Ian Njuguna, has pleaded guilty to multiple counts of insurance fraud totaling Ksh.683,290, admitting to forging medical and police documents to secure reimbursements from several insurance firms.
Appearing before Senior Principal Magistrate Ben Mark Ekhubi on Wednesday, November 12, 2025, Njuguna broke down in court, tearfully asking for mercy. He told the court that he was battling illness and needed money for medication, which drove him to commit the offences.
“I confessed to AAR, to Jubilee, and to APA, and to the Insurance Fraud Unit from the day of my arrest. I explained my circumstances, which have been documented in my report,” he said, visibly emotional. “I was sincere. Actually, I am really, really sorry.”
Court documents indicate that Njuguna, who suffers from epilepsy, has been receiving treatment for the condition.
Details of the Fraud
According to the charge sheet, Njuguna knowingly presented falsified documents including discharge summaries, receipts, and hospital invoices purportedly from Baragoi Catholic Nursing Home to APA Insurance Company’s head office in Nairobi.
He allegedly claimed to have been admitted to the facility following a road accident on August 23, 2024, and used a fake police abstract from the Baragoi Police Station to support his insurance claim.
The forged documents were used to seek medical reimbursement amounting to Ksh.311,150, which he claimed represented expenses incurred during his supposed treatment.
In a separate count, Njuguna allegedly presented falsified medical documents in March 2025, claiming hospitalization at the same facility for complicated malaria with sepsis, in a bid to obtain Ksh.91,490 in false reimbursements.
He was further accused of illegally obtaining Ksh.280,650 through fraudulent compensation claims, bringing the total amount involved in the scheme to Ksh.683,290.
Court to Deliver Sentence
The prosecution confirmed that Njuguna had cooperated with investigators and confessed to his actions. Magistrate Ekhubi noted his admission and remorse and scheduled sentencing for a later date.
The case underscores the growing concern over insurance fraud in Kenya, which industry players say has cost insurers millions in recent years, prompting increased scrutiny and collaboration with law enforcement to curb the vice.
