Pays a lump sum, daily benefit, or medical reimbursement if you are injured in an accident, at work, home, or leisure, 24 hours a day.
Personal Accident (PA) insurance is the simplest and cheapest income-protection product on the Kenyan market. For an annual premium that typically starts from about KES 4,000, it pays a defined lump sum on accidental death or permanent disability, a daily benefit for temporary disability, and a medical reimbursement for accident-related treatment. Cover applies 24 hours a day, anywhere in the world, not just at work, not just during commuting.
What it covers
Accidental death: lump sum to nominated beneficiary
Permanent Total Disability (PTD): full sum assured
Permanent Partial Disability: scheduled percentage of sum assured per body part
Temporary Total Disability: daily or weekly income replacement
Medical expenses for treatment of accidental injuries
Who it is for
Self-employed Kenyans without employer-provided cover
Boda boda riders, drivers, and delivery operators with high road exposure
Sports enthusiasts, weekend cyclists, and active lifestyles
Low-cost 24-hour cover that pays cash if an accident leaves you injured, disabled, or worse, from KSh 2,500 a year, with no medical exam and same-day activation on WhatsApp.
Affordable personal accident (PA) insurance answers a simple question millions of Kenyans ask: what happens to my income if an accident puts me in hospital? For as little as KSh 2,500 a year, about KSh 210 a month, a PA policy pays a cash lump sum on accidental death or permanent disability, a daily benefit while you cannot work, and reimburses the medical bills from an accidental injury. It is the cheapest income-protection product on the market.
What it covers
Accidental death: cash lump sum to your nominated next of kin
Permanent total disability: full sum assured
Permanent partial disability: a set percentage per injury (e.g. loss of a hand, eye, or finger)
Temporary disability: daily or weekly cash while you cannot work
Accident medical expenses: clinic, hospital, and treatment costs
Who it is for
Boda boda riders facing daily road risk
Hawkers, market traders, and mama mboga without employer cover
Legally required WIBA cover for housekeepers, guards, nannies, gardeners, and other domestic employees, included as a section within your home insurance policy.
Under the Work Injury Benefits Act (WIBA), every Kenyan household that employs domestic staff: housekeepers, guards, nannies, gardeners, drivers: is legally required to insure against work-related injury, disease, or death. The Act applies regardless of the number of employees: even a single domestic worker triggers the obligation. Enforcement has tightened materially in recent years, and DOSHS now actively pursues household non-compliance.
What it covers
Medical expenses for treatment of work-related injuries
Temporary disability benefit: wage replacement while recovering
Permanent disability lump sum calibrated to WIBA scale and the worker's earnings
Funeral expenses on work-related death
Compensation to dependants on work-related death
Who it is for
Households employing housekeepers, nannies, or cooks
Households with day or night guards (often provided through a security firm. Confirm cover)
Households with drivers, gardeners, and pool attendants
The cover Kenyan law requires every household employer to hold for their househelp, nanny, gardener, driver, or guard. WIBA insurance against work injury, included as a section within your home insurance policy, bound within 48 hours.
Most Kenyan households do not realise that employing a domestic worker creates a legal duty to insure them. Under the Work Injury Benefits Act (WIBA), every employer, including a private household with a single househelp, nanny, gardener, driver, or guard: must hold cover for work-related injury, illness, and death. There is no small-employer exemption: one worker triggers the obligation, and the Directorate of Occupational Safety and Health Services (DOSHS) has been enforcing household compliance more actively in recent years.
What it covers
Medical expenses for work-related injuries and occupational illness
Temporary disability benefit: wage replacement while the worker recovers
Permanent disability lump sum, calibrated to the WIBA scale and earnings
Compensation to dependants on work-related death
Funeral expenses on death in the course of work
Who it is for
Households employing a househelp, nanny, or cook
Households with a gardener, driver, or pool attendant
Households with a directly-hired day or night guard (not via a security firm)
Provides immediate cash to your family on the death of a covered family member: funeral costs, bereavement expenses, and household bridging.
Last Expense (also sold as Funeral Cover) is a specialised micro-insurance product that pays out quickly, typically within 48–72 hours of death registration, to help the family meet the immediate costs of bereavement: mortuary fees, transport, burial arrangements, catering, and the dozens of practical costs that surface in the days after a death.
What it covers
Lump sum payable within 48–72 hours of death registration
Cover for the principal life: typically the family breadwinner
Spouse cover at the same or reduced sum assured
Children's cover with age-banded sum assured
Parent and parent-in-law cover (extension; subject to age limits)
Who it is for
Families wanting immediate bereavement liquidity beyond standard life policies
Self-employed Kenyans without group life cover
Older parents and grandparents wanting cover for themselves and the wider family
Covers your clubs, bag and personal effects against theft and damage, plus your liability if a shot injures someone, and pays a hole-in-one celebration benefit.
A set of clubs is one of the most valuable things most Kenyan golfers own outside their car and their home, and it spends its life in the least secure places available: a car boot, a club locker, a buggy, the back of a caddie. Household policies are written around the home, so they usually do not respond once the bag leaves it. Golfers insurance is the personal-lines policy written for exactly that exposure.
What it covers
Golfing equipment: clubs, bag, trolley and covers, against theft and accidental damage
Cover away from the course, including in transit and in a club locker
Personal effects at the course and in the clubhouse
Legal liability for injury to other players, caddies and members of the public
Legal liability for damage to third-party property, including vehicles and clubhouse glass
Who it is for
Club members at Kenyan courses who leave clubs in a locker or a car boot
Golfers with a bag worth more than their household policy would ever pay for
Players who enter club competitions, society days and corporate tournaments
No. Life insurance pays out on death from any cause (subject to exclusions). PA pays out only on accidental death and disability. It does not cover death from illness. PA is much cheaper because the risk pool is narrower; they complement each other.
How much does personal accident insurance cost in Kenya?
Affordable personal accident cover starts from about KSh 2,500 per year for individual 24-hour cover. Roughly KSh 210 a month. The premium scales with the sum assured (the amount paid on death or disability) and your occupation, so higher-risk jobs or larger payouts cost more, while family and group plans bring the per-person cost down. All figures here are starting points; we confirm your exact premium on WhatsApp.
Is this really legally required for one domestic worker?
Yes. WIBA applies to any employer regardless of number of employees. A single housekeeper, gardener, or guard triggers the requirement. Enforcement is no longer rare; non-compliant households can be prosecuted and are personally liable for any work-related injury.
Is WIBA cover for domestic workers a legal requirement in Kenya?
Yes. The Work Injury Benefits Act requires every employer to insure employees against work-related injury, illness, and death, and there is no exemption for households or for small numbers of staff. Employing a single househelp, nanny, gardener, or guard makes you an employer under the Act, with the legal duty to hold cover.
How fast is the payout actually?
Most insurers commit to 48–72 hours from receipt of death certificate and ID copies. Vike's claims team chases the insurer the same day. The speed is the whole point of the product, anything slower defeats the purpose.
Are my clubs not already covered by my home insurance?
Almost never once they leave the house. A standard household contents policy covers property in the home; clubs are typically stolen from a car boot, a club locker or a buggy, none of which is the home. Some insurers sell an all-risks extension that would respond, but it is usually more expensive than a golfers policy and carries none of the liability, personal accident or hole-in-one cover.
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Our advisors will compare quotes and find the best fit for you, at no extra cost.
