Workman's Compensation

This policy covers the employees of the Insured whilst on duty and engaged in the
execution of the Insured’s business &/or any project undertaken by the Insured,
against accidental bodily injury, disablement or death.

Compensation is payable under the provisions of WIBA Act 2007. The maximum
benefit is set at 96 months’ salary. The Wiba plus policy cover in addition to the
above also extends coverage to 24 hours.

WORKMEN INJURY BENEFIT ACT ( WIBA )

WIBA policy covers employees of the Insured whilst on duty and engaged in the
execution of the Insured's business and/or any project undertaken by the insured
against accidental bodily injury, disablement, death or occupational illness.

The compensation is payable under WIBA Act 2007.

Benefits to the company

1. Death – Compensation is equivalent to a maximum of 8 Years earnings or 96

Months earning.

2. Permanent Total Disability - Compensation is equivalent to a maximum of 8

Years earnings or 96 Months earning.

3. Temporary Total Disability - Compensation is equivalent to weekly earnings up

to a maximum of 52 Weeks.

4. Medical Expense – The policy provides for a free cover limit up to Kshs.
100,00/- per employee. However, the insured may opt for an upper limit.

5. Funeral/Last expense cover - The policy provides for a free cover limit up to
Kshs. 30,00/- per employee. However, the insured may opt for an upper limit.
Group Personal Accident
We live in an era when people do activities in groups from traveling together to living
together and this is why in line with current lifestyles it is best we also cater for
groups.

These policies cover accidental death or incapacitation to the insured. Compensation

will be payable to the insured or his/her legal representative in accordance with the
sum insured and scale of compensation agreed and specified in the policy schedule.

The age requirements for this policy are that the holder should be above 15 years and
below 65 years. Policy can be given to individuals or group of individuals.

For students, we also provide a personal accident cover to individuals, schools and
organized groups on very reasonable premium terms.

Special Group personal insurance is essentially a personal accident cover, which

includes work, related occupational illness.

Benefits to the company

1. Death – Compensation is equivalent to a maximum of 8 Years earnings or 96

Months earning.

2. Permanent Total Disability - Compensation is equivalent to a maximum of 8

Years earnings or 96 Months earning.

3. Temporary Total Disability - Compensation is equivalent to weekly earnings up

to a maximum of 52 Weeks.

4. Medical Expense – The policy provides for a free cover limit up to Kshs.
100,00/- per employee. However, the insured may opt for an upper limit.

5. Funeral/Last expense cover - The policy provides for a free cover limit up to
Kshs. 30,00/- per employee. However, the insured may opt for an upper limit.