Personal accident insurance provides financial protection in case of injuries, disability, or death resulting from an accident. It covers medical expenses, loss of income, and compensation for permanent disability or accidental death. The premium you pay is dependent on the sort of cover you wish to take out. Further, the amount you are compensated can be calculated based on your earnings or based on a specified pre-agreed amount. This cover applies to you even if the accident happens anywhere in the world.
Group Personal Accident in turn provides compensation to a group of people, such as a family, employees, “chamas”, learning institutions, SMEs or any other group of people with common interest
Unlike medical insurance, which covers illnesses and hospitalization, personal accident insurance focuses solely on accidents and their financial impact.
Coverage & Benefits of Personal Accident Insurance
What Does It Cover?
- Accidental Death Benefit
Pays a lump sum to the family or beneficiaries if the insured person dies due to an accident.
Payout depends on the sum insured (e.g., KES 500,000 – KES 5 million).
- Permanent Total Disability (PTD)
If an accident causes total disability (e.g., loss of limbs, paralysis, blindness), a lump sum compensation is paid.
Percentage of payout depends on the nature of disability.
- Temporary Total Disability (TTD)
Covers loss of income if the insured person is temporarily unable to work due to an accident.
A fixed weekly benefit (e.g., KES 5,000 - 50,000 per week) is paid for a specific duration (e.g., up to 104 weeks).
- Medical Expenses
Covers treatment costs as a direct result of the accident, including:
- Hospitalization
- Surgery
- Medication
- Physiotherapy
- Funeral Expenses
Some policies include a funeral benefit to help with burial costs.
- Ambulance & Emergency Evacuation
Covers emergency transportation to a hospital after an accident.
- Assistive Devices:
The costs related to acquiring crutches, hearing aids and prosthetics and other devices, required for your rehabilitation is covered.
- Repatriation Costs:
In the unfortunate event of your demise, The cost of returning your remains to your place or residence is covered.
What is NOT Covered?
Personal accident insurance does not cover:
- Illnesses or natural death
- Self-inflicted injuries (suicide, drug or alcohol-related accidents)
- Pre-existing disabilities
- Engaging in criminal activities
- Dangerous sports or activities (unless included in a specialized policy)
Who Needs Personal Accident Insurance?
- Individuals & Families – To protect against financial burdens caused by accidents.
- Self-employed Persons – Since they lack employer benefits, they need coverage for income loss.
- Motorcyclists & Drivers – Higher risk of accidents.
- Employees in High-Risk Jobs – Construction, transport, factories, etc.
- Business Owners – To cover workplace accident risks.
Cost of Personal Accident Insurance in Kenya
The premium depends on the sum insured, age, and occupation.
Low-risk individuals (office workers) pay KES 2,000 - 10,000 per year for coverage of KES 1-5 million.
High-risk jobs (drivers, construction workers) pay higher premiums.
Would you like assistance in comparing policies from different insurers?