Is Personal Accident the same as life insurance?

No. Life insurance pays out on death from any cause (subject to exclusions). PA pays out only on accidental death and disability. It does not cover death from illness. PA is much cheaper because the risk pool is narrower; they complement each other.

How much does personal accident insurance cost in Kenya?

Affordable personal accident cover starts from about KES 2,500 per year for individual 24-hour cover. Roughly KES 210 a month. The premium scales with the sum assured (the amount paid on death or disability) and your occupation, so higher-risk jobs or larger payouts cost more, while family and group plans bring the per-person cost down. All figures here are starting points; we confirm your exact premium on WhatsApp.

Is this really legally required for one domestic worker?

Yes. WIBA applies to any employer regardless of number of employees. A single housekeeper, gardener, or guard triggers the requirement. Enforcement is no longer rare; non-compliant households can be prosecuted and are personally liable for any work-related injury.

Is WIBA cover for domestic workers a legal requirement in Kenya?

Yes. The Work Injury Benefits Act requires every employer to insure employees against work-related injury, illness, and death, and there is no exemption for households or for small numbers of staff. Employing a single househelp, nanny, gardener, or guard makes you an employer under the Act, with the legal duty to hold cover.

How fast is the payout actually?

Most insurers commit to 48–72 hours from receipt of death certificate and ID copies. Vike's claims team chases the insurer the same day. The speed is the whole point of the product, anything slower defeats the purpose.

Are my clubs not already covered by my home insurance?

Almost never once they leave the house. A standard household contents policy covers property in the home; clubs are typically stolen from a car boot, a club locker or a buggy, none of which is the home. Some insurers sell an all-risks extension that would respond, but it is usually more expensive than a golfers policy and carries none of the liability, personal accident or hole-in-one cover.

Personal Insurance Kenya | Accident, Domestic & Last Expense | Vike

What We Cover

6 types of personal insurance cover. Each one has its own page with the full policy detail, pricing and claims process.

Personal Accident Insurance
Pays a lump sum, daily benefit, or medical reimbursement if you are injured in an accident, at work, home, or leisure, 24 hours a day.
From KES 4,000 a year
Typical rate
What it covers
- Accidental death: lump sum to nominated beneficiary
- Permanent Total Disability (PTD): full sum assured
- Permanent Partial Disability: scheduled percentage of sum assured per body part
Request a quote for Personal Accident Insurance Details about Personal Accident Insurance
More about Personal Accident Insurance
Personal Accident (PA) insurance is the simplest and cheapest income-protection product on the Kenyan market. For an annual premium that typically starts from about KES 4,000, it pays a defined lump sum on accidental death or permanent disability, a daily benefit for temporary disability, and a medical reimbursement for accident-related treatment. Cover applies 24 hours a day, anywhere in the world, not just at work, not just during commuting.
Also covers
Temporary Total Disability: daily or weekly income replacement
Medical expenses for treatment of accidental injuries
Who it's for
Self-employed Kenyans without employer-provided cover
Boda boda riders, drivers, and delivery operators with high road exposure
Sports enthusiasts, weekend cyclists, and active lifestyles
Affordable Personal Accident Insurance
Low-cost 24-hour cover that pays cash if an accident leaves you injured, disabled, or worse, from KES 2,500 a year, with no medical exam and same-day activation on WhatsApp.
From KES 2,500 a year
Typical rate
What it covers
- Accidental death: cash lump sum to your nominated next of kin
- Permanent total disability: full sum assured
- Permanent partial disability: a set percentage per injury (e.g. loss of a hand, eye, or finger)
Request a quote for Affordable Personal Accident Insurance Details about Affordable Personal Accident Insurance
More about Affordable Personal Accident Insurance
Affordable personal accident (PA) insurance answers a simple question millions of Kenyans ask: what happens to my income if an accident puts me in hospital? For as little as KES 2,500 a year, about KES 210 a month, a PA policy pays a cash lump sum on accidental death or permanent disability, a daily benefit while you cannot work, and reimburses the medical bills from an accidental injury. It is the cheapest income-protection product on the market.
Also covers
Temporary disability: daily or weekly cash while you cannot work
Accident medical expenses: clinic, hospital, and treatment costs
Who it's for
Boda boda riders facing daily road risk
Hawkers, market traders, and mama mboga without employer cover
Freelancers, gig workers, and the self-employed
Domestic Workers Insurance
Legally required WIBA cover for housekeepers, guards, nannies, gardeners, and other domestic employees, included as a section within your home insurance policy.
What it covers
- Medical expenses for treatment of work-related injuries
- Temporary disability benefit: wage replacement while recovering
- Permanent disability lump sum calibrated to WIBA scale and the worker's earnings
Request a quote for Domestic Workers Insurance Details about Domestic Workers Insurance
More about Domestic Workers Insurance
Under the Work Injury Benefits Act (WIBA), every Kenyan household that employs domestic staff: housekeepers, guards, nannies, gardeners, drivers: is legally required to insure against work-related injury, disease, or death. The Act applies regardless of the number of employees: even a single domestic worker triggers the obligation. Enforcement has tightened materially in recent years, and DOSHS now actively pursues household non-compliance.
Also covers
Funeral expenses on work-related death
Compensation to dependants on work-related death
Who it's for
Households employing housekeepers, nannies, or cooks
Households with day or night guards (often provided through a security firm. Confirm cover)
Households with drivers, gardeners, and pool attendants
Domestic Worker WIBA Compliance Cover
The cover Kenyan law requires every household employer to hold for their househelp, nanny, gardener, driver, or guard. WIBA insurance against work injury, included as a section within your home insurance policy, bound within 48 hours.
What it covers
- Medical expenses for work-related injuries and occupational illness
- Temporary disability benefit: wage replacement while the worker recovers
- Permanent disability lump sum, calibrated to the WIBA scale and earnings
Request a quote for Domestic Worker WIBA Compliance Cover Details about Domestic Worker WIBA Compliance Cover
More about Domestic Worker WIBA Compliance Cover
Most Kenyan households do not realise that employing a domestic worker creates a legal duty to insure them. Under the Work Injury Benefits Act (WIBA), every employer, including a private household with a single househelp, nanny, gardener, driver, or guard: must hold cover for work-related injury, illness, and death. There is no small-employer exemption: one worker triggers the obligation, and the Directorate of Occupational Safety and Health Services (DOSHS) has been enforcing household compliance more actively in recent years.
Also covers
Compensation to dependants on work-related death
Funeral expenses on death in the course of work
Who it's for
Households employing a househelp, nanny, or cook
Households with a gardener, driver, or pool attendant
Households with a directly-hired day or night guard (not via a security firm)
Last Expense / Funeral Insurance
Provides immediate cash to your family on the death of a covered family member: funeral costs, bereavement expenses, and household bridging.
What it covers
- Lump sum payable within 48–72 hours of death registration
- Cover for the principal life: typically the family breadwinner
- Spouse cover at the same or reduced sum assured
Request a quote for Last Expense / Funeral Insurance Details about Last Expense / Funeral Insurance
More about Last Expense / Funeral Insurance
Last Expense (also sold as Funeral Cover) is a specialised micro-insurance product that pays out quickly, typically within 48–72 hours of death registration, to help the family meet the immediate costs of bereavement: mortuary fees, transport, burial arrangements, catering, and the dozens of practical costs that surface in the days after a death.
Also covers
Children's cover with age-banded sum assured
Parent and parent-in-law cover (extension; subject to age limits)
Who it's for
Families wanting immediate bereavement liquidity beyond standard life policies
Self-employed Kenyans without group life cover
Older parents and grandparents wanting cover for themselves and the wider family
Golfers Insurance
Covers your clubs, bag and personal effects against theft and damage, plus your liability if a shot injures someone, and pays a hole-in-one celebration benefit.
From KES 2,800 a year
Plus KES 84 processing fee at checkout
What it covers
- Golfing equipment: clubs, bag, trolley and covers, against theft and accidental damage
- Cover away from the course, including in transit and in a club locker
- Personal effects at the course and in the clubhouse
See prices for Golfers Insurance Details about Golfers Insurance
More about Golfers Insurance
A set of clubs is one of the most valuable things most Kenyan golfers own outside their car and their home, and it spends its life in the least secure places available: a car boot, a club locker, a buggy, the back of a caddie. Household policies are written around the home, so they usually do not respond once the bag leaves it. Golfers insurance is the personal-lines policy written for exactly that exposure.
Also covers
Legal liability for injury to other players, caddies and members of the public
Legal liability for damage to third-party property, including vehicles and clubhouse glass
Who it's for
Club members at Kenyan courses who leave clubs in a locker or a car boot
Golfers with a bag worth more than their household policy would ever pay for
Players who enter club competitions, society days and corporate tournaments

Personal Cover for Life's Unexpected Moments

What We Cover

Personal Accident Insurance

Affordable Personal Accident Insurance

Domestic Workers Insurance

Domestic Worker WIBA Compliance Cover

Last Expense / Funeral Insurance

Golfers Insurance

Why Choose Vike?

Personal Insurance FAQs

Ready to get the right cover?