Our Personal accident cover offers comprehensive coverage for medical expenses due to accidental injury, as well as other benefits including disability payments, death benefit payments, and more. Whether it’s a minor scrape or a major emergency, we’re here to provide financial protection when life throws you a curveball.

What is covered in the Personal Accident cover?
Our Personal accident insurance covers you financially in the case of an
accident.
One is covered in the case of:

• Temporary total disability
• Permanent total disability
• Medical expenses resulting from and accident
• Death

You can also add riders to the cover;

• Rescue in case of an accident by AMREF
• Political violence and terrorism

Benefits

In the event of a fatal accident/death:

The sum insured is payable to registered beneficiaries in the event of accidental death.

If the accident results in permanent disability:

The policy pays a capital sum following an irreversible disability that makes one unable to pursue gainful employment.

If the accident results in temporary disability:

Our Personal accident cover in Kenya cover for temporary disability leading to loss of earnings for a given period of time. It is settled in terms of weekly earnings lost.

Medical expenses:

The policy caters to medical expenses on a reimbursement basis for injuries sustained during the accident.

Key Features

1. Comprehensive Accident Coverage: Our policy compensates for bodily injuries resulting from accidents, offering protection for physical impairment, disablement, or death within twelve (12) months from the accident date.

2. Accidental Death Benefit: Choose coverage between Kes. 100,000 to Kes. 10,000,000, providing a lump sum payment to designated beneficiaries in the event of the insured’s accidental death.

3. Permanent Total Disablement Benefit: If an accident causes permanent total disablement, we offer a lump sum payment to help adjust to life changes and cover ongoing expenses.

4. Permanent Partial Disablement Benefit: In the case of permanent partial disablement, receive a partial payment based on the severity of the disablement.

5. Temporary Total Disablement Benefit: Receive compensation for temporary total disablement, supporting you during the recovery period and loss of income.

6. Medical Expenses Reimbursement: Covering necessary medical treatment and hospitalization expenses incurred due to accidents, easing the financial burden.

7. Hospital Cash Benefit: Receive daily cash benefits during hospitalization due to an accident, covering additional expenses.

8. Last Expense Benefit: Assist your family with funeral and last expense costs in the event of accidental death.

9. Coverage for Self and Family Members: Extend coverage to your spouse and children, ensuring their well-being during challenging times.

10. Terrorism & Political Risks Extension: Additional protection against injuries or death resulting from acts of Terrorism, riot, strike, civil commotion, and malicious acts during the policy period. 

• War, civil war, mutiny, riot, strike, civil commotion, rebellion, revolution, insurrection, military or usurped power.
• Suicide or attempted suicide whether felonious or not, wilful, self injury.
• Breach of law on your part (unlawful activity).
• Voluntary, wilful or negligent exposure of the Insured to needless peril except for the purpose of saving human life.
• Insanity or venereal disease.
• Indulgence in alcohol, narcotics or drugs not prescribed by a qualified medical practitioner.
• Participation in hazardous sports.
• Pregnancy or childbirth related illness.
• Aviation except as a passenger on a recognized airline operating on regular scheduled air routes or in any chartered aircraft duly licensed as a recognized carrier.