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Personal Accident Insurance
Personal Accident Insurance
What Does Personal Accident Insurance Cover?
Why You Need Personal Accident Cover in Kenya
Who Should Buy Personal Accident Insurance?
Sample Premiums for Personal Accident Cover in Kenya
Sum Insured
Monthly Premium (Approx.)
Annual Premium
Best For
KSh 500,000 | KSh 400 – 650 | KSh 4,500 – 7,000 | Individuals
KSh 1,000,000 | KSh 700 – 1,200 | KSh 8,000 – 13,000 | Families / Professionals
KSh 2,000,000+ | KSh 1,500 – 3,500 | KSh 18,000+ | High net-worth & Businesses
Top Providers of Personal Accident Cover in Kenya
Benefits of Our Personal Accident Insurance Cover
How to Get Your Personal Accident Cover
Frequently Asked Questions (FAQs)
Get the best personal accident insurance in minutes
Personal Accident Cover (also known as Personal Accident Insurance Cover or Personal Accident Insurance Coverage) is a specialized insurance product that pays you or your loved ones a lump sum benefit in case of an accident that leads to death, permanent disability, temporary disability, or medical expenses.
With increasing road accidents, workplace injuries, and unpredictable incidents in Kenya, a good personal accident cover has become essential protection for individuals, families, and businesses.
What Does Personal Accident Insurance Cover?
A comprehensive personal accident insurance cover in Kenya typically includes:
- Accidental Death — Lump sum payment to your nominated beneficiaries
- Permanent Total Disability — Full sum insured (e.g. loss of limbs, sight, hearing, paralysis)
- Permanent Partial Disability — Percentage of sum insured based on injury type
- Temporary Total Disability — Weekly income replacement (usually up to 104 weeks)
- Medical Expenses — Reimbursement for hospital bills arising from the accident
- Funeral Expenses — Cash for burial arrangements
- Daily Hospital Cash Benefit — Additional daily allowance while hospitalized
Why You Need Personal Accident Cover in Kenya
- Road accidents remain a leading cause of death and serious injury
- Protects your income if you’re unable to work after an accident
- Pays benefits in addition to your medical insurance or NHIF/SHA
- Fast claims payout — often within days of providing required documents
- Very affordable compared to the financial risk it covers
Who Should Buy Personal Accident Insurance?
- Salaried employees and business owners
- Drivers, riders (boda boda & motorcycle users)
- Construction workers and people in high-risk occupations
- Families who depend on one main breadwinner
- Anyone aged 18 – 65 (some plans cover children and seniors)
Sample Premiums for Personal Accident Cover in Kenya
Sum Insured
Monthly Premium (Approx.)
Annual Premium
Best For
KSh 500,000 | KSh 400 – 650 | KSh 4,500 – 7,000 | Individuals
KSh 1,000,000 | KSh 700 – 1,200 | KSh 8,000 – 13,000 | Families / Professionals
KSh 2,000,000+ | KSh 1,500 – 3,500 | KSh 18,000+ | High net-worth & Businesses
Premiums vary based on age, occupation, and chosen benefits. Get a personalized quote for exact pricing.
Top Providers of Personal Accident Cover in Kenya
- Jubilee Insurance – Excellent benefits and wide acceptance
- AAR Insurance – Fast claims and flexible plans
- Britam Insurance – Strong on temporary disability benefits
- Old Mutual – High sum insured options
- Madison Insurance – Very competitive rates
- CIC Insurance & APA Insurance – Good value packages
Many insurers now allow you to bundle Personal Accident Cover with your medical insurance or motor insurance for discounted premiums.
Benefits of Our Personal Accident Insurance Cover
- 24/7 worldwide coverage (some plans)
- No medical examination required
- Flexible sum insured from KSh 100,000 to KSh 10 Million+
- Quick claim settlement
- Option to include spouse and children
- Can be purchased as a standalone policy or as an add-on
How to Get Your Personal Accident Cover
- Contact us for a free quote
- Provide basic details (age, occupation, desired sum insured)
- Choose your preferred plan
- Pay premium (one-off or monthly via premium financing)
- Receive your policy documents instantly via email
Frequently Asked Questions (FAQs)
1. What is the difference between Personal Accident Cover and Medical Insurance?
Personal Accident Cover pays a lump sum benefit for specific injuries or death, while Medical Insurance pays for your hospital bills. They work best when combined.
Personal Accident Cover pays a lump sum benefit for specific injuries or death, while Medical Insurance pays for your hospital bills. They work best when combined.
2. How much Personal Accident Cover do I need?
Most experts recommend 3–5 times your annual income.
Most experts recommend 3–5 times your annual income.
3. Does Personal Accident Insurance cover road accidents?
Yes. Road traffic accidents are one of the most common claims paid under these policies.
Yes. Road traffic accidents are one of the most common claims paid under these policies.
4. Are there waiting periods?
Most plans offer immediate coverage for new accidents.
Most plans offer immediate coverage for new accidents.
5. Can I buy Personal Accident Cover for my family?
Yes. Family packages are available at discounted rates.
Yes. Family packages are available at discounted rates.
6. Is Personal Accident Cover expensive?
No. You can get meaningful cover from as low as KSh 400 – 700 per month.
No. You can get meaningful cover from as low as KSh 400 – 700 per month.
Ready to Secure Your Personal Accident Cover?
Protect yourself and your family from the financial impact of accidents. Get a free, no-obligation quote today and enjoy peace of mind.
Call/WhatsApp us now or fill the form below to get instant quotes from leading insurance companies in Kenya.
Disclaimer: Benefits and premiums may vary depending on the insurer and your personal circumstances. Always read the policy wording carefully.
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