Group Personal Accident
This is a cover for group of staff working in organizations. If at any time during any period of insurance, the insured shall sustain any bodily injury caused by accidental external and visible means, which injury shall solely and independently of any other cause result in his death, or permanent total disablement as defined in the schedule, the company will pay to the insured or in the event of his death to his legal personal representative, the compensation stated in the schedule of cover.
The insurer pays for total disablement as follows:
Rating
Rating in most instances varies depending on the occupation of the employees and the sums insured. Different occupations attract different premiums please ask for a quote once details above are available.
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Continental scale benefits
100%
- Life
- Both hands
- Both feet
- Sight of both eyes
- One hand and one foot
- One hand and sight of one eye
- One foot and sight of one eye
50%
- One hand
- One foot
- Sight of one eyes Underwriting
Exclusions
- Intentional self injury, suicide or attempted suicide whether felonious or not
- War, invasion, act of foreign enemy, mutiny, rebellion, insurrection, strike, riot, etc.,
- Sickness, HIV/AIDS
- Influence of, or being affected by intoxication, liquor or drugs.
- Racing, Polo, Winter Sports, Professional Football, Mountaineering, Steeple Chasing, etc.,
- Engaged in flying or air travel, crew of ships, except as fare paying passengers ..
- Engagement in unlawful acts
Individual Personal Accident
If at any time during any period of insurance, the insured shall sustain any bodily injury caused by accidental external and visible means, which injury shall solely and independently of any other cause result in his death, or permanent total disablement as defined in the schedule, the company will pay to the insured or in the event of his death to his legal personal representative, the compensation stated in the schedule of cover.
The insurer pays for total disablement as follows:
Continental scale benefits
100%
- Life
- Both hands
- Both feet
- Sight of both eyes
- One hand and one foot
- One hand and sight of one eye
- One foot and sight of one eye
50%
- One hand
- One foot
- Sight of one eyes Underwriting
Exclusions
- Intentional self injury, suicide or attempted suicide whether felonious or not
- War, invasion, act of foreign enemy, mutiny, rebellion, insurrection, strike, riot, etc.,
- Sickness, HIV/AIDS
- Influence of, or being affected by intoxication, liquor or drugs.
- Racing, Polo, Winter Sports, Professional Football, Mountaineering, Steeple Chasing, etc.,
- Engaged in flying or air travel, crew of ships, except as fare paying passengers ..
- Engagement in unlawful acts
Student Personal Accident
This policy is specifically designed to cater for Full time Students. 3 Options are available i.e.
- Cover to and from and at school only including all school sponsored activities within Kenya.
- 24 hours worldwide cover including all school sponsored activities
- 24 hours cover as be with slightly higher benefits.
Underwriting Guidelines
- The insured must provide personal details.
- Age limit 18 years.
Benefits (in Kshs)
| Item | Option 1 | Option 2 | Option 3 |
| Death | 100,000/- | 100,000/- | 200,000/- |
| Permanent Disability | 100,000/- | 100,000/- | 400,000/- |
| Medical expenses | 100,000/- | 200,000/- | 500,000/- |
| Premium per student | 792/- | 1,794/- | 3,560/- |
- Policy indemnifies the Insured Student against personal accident, caused to him/ her either during school hours and school activities, or offers full time worldwide annual cover for the student.
- Offers flying coverage.
- All full-time students are eligible for this cover.
- Company will pay the Insured for the loss of limbs, sight, hearing and/ or speech (as stated in the Schedule); will pay the Principal Sum for loss of life caused by an accident and; will pay for certain specific medical expenses within 30 days from date of accident.
Exclusions​
- Self-destruction or self-inflicted injuries
- Racing on wheels or on horses
- War, declared or undeclared
- Engagement in unlawful acts
- Service or flight in aircraft except as fare paying passengers.
Rating
Rating in most instances varies depending on the occupation of the employees and the sums insured. Different occupations attract different premiums please ask for a quote once details above are available.
