Personal Accident Cover
“Financial protection designed to support you and your loved ones after accidental injuries and disabilities.”
Accidents can happen unexpectedly – at work, on the road, during travel, or even in everyday activities. The financial impact of accidental injuries can quickly become overwhelming, especially when medical treatment, hospitalization, or temporary loss of income is involved.
Personal Accident Insurance provides financial support in the event of accidental injury, disability, hospitalization, or death resulting from an accident. It helps cushion you and your family from sudden financial strain while supporting recovery and long-term stability.
Whether you are employed, self-employed, a business owner, or simply looking for additional financial protection beyond medical cover, we help you access flexible personal accident solutions from leading Kenyan insurers tailored to your lifestyle and risk exposure.
Why You Need Personal Accident Cover
Why Personal Accident Insurance Matters
Accidents are unpredictable — but financial preparedness makes recovery easier.
A structured personal accident plan ensures:
- Financial support after accidental injury
- Assistance with hospitalization and recovery expenses
- Protection against accidental disability or death
- Reduced financial pressure during recovery periods
- Support for dependents during unexpected situations
- Peace of mind for individuals and families
Without proper protection, accidents can create sudden medical and financial burdens that disrupt personal and family stability.
Personal Accident cover
Who This Plan Is For
Who Should Consider This Cover?
This plan is ideal for:
- Self-employed individuals
- Employees without workplace accident benefits
- Business owners and entrepreneurs
- Drivers and frequent travelers
- Individuals in high-risk occupations
- Parents seeking additional family protection
If your income or family wellbeing could be affected by an unexpected accident, personal accident cover becomes essential financial protection.
Coverage
WHAT’S COVERED
01.
Core Benefits
- Accidental Death Benefit
- Permanent Disability Cover
- Temporary Disability Income Support
- Hospital Cash Benefit
- Medical Expense Reimbursement
- Emergency Evacuation Assistance
- Funeral Expense Support
- Accidental Injury Compensation
01.
Optional Enhancements
- Family Protection Extensions
- Occupational Risk Cover
- Sports & Travel Accident Extensions
- Enhanced Disability Benefits
- Weekly Income Replacement
- Ambulance Services
- Worldwide Coverage Options
- Group Personal Accident Extensions
What Determines Your Premium?
What Determines Your Premium?
Your personal accident premium depends on:
- Occupation and risk exposure
- Selected benefit limits
- Lifestyle and travel frequency
- Type of activities covered
- Individual or family coverage structure
Typical Considerations:
- Higher-risk occupations may attract higher premiums
- Broader coverage limits increase protection levels
- Family extensions may affect overall premium structure
Frequently Asked Questions
What is personal accident insurance?
Personal accident insurance provides financial compensation in the event of accidental injury, disability, hospitalization, or accidental death.
Is personal accident cover the same as medical insurance?
No. Medical insurance primarily covers treatment expenses, while personal accident insurance provides additional financial compensation and support following an accident.
Does this cover apply outside work?
Yes. Most personal accident policies provide protection both during work and personal activities, subject to policy terms.
I have a motor insurance cover, do i still need to take up a personal accident cover?
Yes. You still need to take a personal accident cover because you as a driver and your family are usually not covered under a motor insurance cover. You and your family are not considered to be third parties in a motor insurance policy.
Can I include my family under the cover?
Yes. Some policies allow spouse and children extensions for broader family protection.
What happens if I become temporarily unable to work after an accident?
Depending on your policy, temporary disability benefits may provide income support during recovery.
Is personal accident insurance expensive?
Personal accident cover is generally affordable and can be tailored to different budgets and protection needs depending on the selected benefits and risk profile.