Personal Accident vs Domestic Worker WIBA vs Last Expense

It depends on what you are protecting. To protect your own income against an accident, choose Personal Accident. If you employ a househelp, nanny, gardener, driver, or guard, the law requires Domestic Worker WIBA cover. To give your family immediate cash for funeral costs on a death, choose Last Expense. Many households hold more than one. They cover different risks and do not overlap.

Personal accident protects you, the buyer, 24 hours a day, at work, home, on the road, and at leisure, paying for accidental death, disability, and accident medical costs. WIBA protects your employees and only responds to work-related injury or illness; for a household that means cover for your domestic staff, which is a legal requirement. One is bought for yourself; the other is a duty you owe the people you employ.

Yes. The Work Injury Benefits Act requires every employer, including a household with a single househelp, nanny, gardener, or guard, to insure staff against work-related injury, illness, and death. Compliant cover is included with home insurance: the WIBA section adds about KES 500 per worker on top of your home cover, and some underwriters cover the first two workers free. Without it you are personally liable for any work injury and can be prosecuted.

They do different jobs. Personal accident replaces your income and pays medical bills if an accident injures or disables you, plus a lump sum on accidental death. Last expense pays a fast cash sum on death from any cause (including illness) to cover funeral and bereavement costs. For income protection while you are alive, choose PA; for guaranteed funeral liquidity, choose last expense. Together they cover both gaps.

As rough starting points: personal accident from about KES 4,000 a year (or from KES 2,500 on our affordable plan); domestic worker WIBA is included with home insurance, adding about KES 500 per worker; and last expense is priced individually against the sum assured and number of lives covered. All figures are illustrative: the premium depends on the sum assured, ages, occupation, and level of cover. We confirm exact pricing on WhatsApp.

Yes: they are complementary and often arranged together. A self-employed parent might hold personal accident for their own income, WIBA for their househelp, and a family last expense plan, each a separate cover with its own premium. We can structure all three under one advisor relationship and one set of renewals.

No. Personal accident pays out only for accidents: accidental death, disability, and accident medical costs, which is why it is so affordable. For death from any cause, including illness, you need last expense (for fast funeral cash) or life assurance (for larger, longer-term sums). This is the key reason many people hold PA alongside one of those.