Personal Cover for Life's Unexpected Moments

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.

Personal Accident (PA) insurance is the simplest and cheapest income-protection product on the Kenyan market. For an annual premium that typically starts under 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.

Affordable Personal Accident Insurance

Low-cost 24-hour cover that pays cash if an accident leaves you injured, disabled, or worse, from KSh 3,000 a year, with no medical exam and same-day activation on WhatsApp.

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 KSh 3,000 a year, about KSh 250 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.

Domestic Workers Insurance

Legally required WIBA cover for housekeepers, guards, nannies, gardeners, and other domestic employees, typically from KES 3,500 per worker per year.

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.

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, from about KSh 1,500 per worker per year, bound within 48 hours.

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.

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.

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.