What it covers
Individual plans
A set benefit paid for accidental death or permanent disability, plus medical expenses after an accident — sized to your income and budget.
Student plans
Cover for school and college students against accidents at school, on trips and on the way — often bought by parents or institutions.
Group covers
For employers, chamas and teams — riders, casual workers and drivers who face daily risk.
Who needs it
- Riders, drivers and manual workers
- Parents covering school-going children
- Employers protecting staff or casuals
- Anyone whose family depends on their ability to work
What you need to apply
- National ID (or birth certificate for students)
- KRA PIN of the applicant
- School details (for student plans)
- Beneficiary details for death benefit
Send documents on WhatsApp and we will confirm the exact list your insurer needs before you commit.
Common exclusions — the honest part
Personal accident covers accidental events — illness is not covered. Common exclusions include self-inflicted injury, hazardous sports unless declared, and incidents under the influence. Benefit scales are set out in the policy document we share before you pay.
Questions people ask
What does personal accident cover actually pay?
An agreed lump sum for accidental death or permanent disability (usually a percentage scale), plus medical expenses up to a limit. The amounts are fixed benefits, not reimbursement of lost income — we show you the benefit table upfront.
Is it the same as medical insurance?
No. Medical insurance pays hospital bills for illness and accidents. Personal accident pays a set cash benefit for accidental death or disability — the two complement each other.
Can a school cover all students?
Yes — group student schemes exist for schools and colleges. Tell us the number of students and we will quote.