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Personal Accident Insurance

Personal Accident (Individual PA/Group PA)

This is a 24 hour cover that insures against accidents that may occur at work, home, while traveling or during recreation.

The benefits in this cover would be dependent on the following

Capital Sum Benefit

Estimated Annual Earnings

The Continental Scale

Weekly Benefits Max 104 weeks

Reimbursement up to an agreed limit

On What Basis is this cover arranged?

Cover is arranged either on Fixed sums i.e. on death category Kshs. 1,000,000. In case of groups, cover can be arranged on either fixed sums or multiples of Annual Salary i.e. 3 years' annual salary for accidental death or permanent total disability.

Premium Ratings

the rating depends on the occupation of the proposer (s)

This cover has common risk exclusions which are not ordinarily covered

Professional Sportsmen or Professional Sport Teams of any

Air Travel except as a passenger in a fully licensed passenger carrying aircraft

Persons employed in: Underground work, fireworks, ammunition plants

Armed forces and police

Sickness other than as a consequence of an accident

Kidnap and ransom


Cover Benefits

The policy provides benefits under the following risk categories


A beneficiary will be paid the specified limits or multiples of annual salary in case of the insured person's death.

Permanent Total Disablement

Total and absolute disablement from engaging in or giving attention to an insured person's usual occupation (long term disability).

Temporary Total Disablement

Disablement wholly prevents an insured person from engaging in or giving attention to usual occupation (short term loss).

Medical Expenses

Include operation fees, cost of surgical appliances, dental ophthalmic or nursing home charges and traveling expenses including ambulance costs reasonably incurred by the insured as a result of injury.

Requirements for quotation

A schedule of the items (or asset register) is to be provided including

Nature of occupation

Basis of cover i.e. multiples of annual earnings or fixed sums

Limits of weekly earnings i.e. is it to be based on a fixed sum or on actual weekly earnings

Staff population to be covered

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