Personal Accident Insurance
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 under 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.
Vike places PA both as a stand-alone policy and bundled with motor, home, and family medical insurance. It is the natural companion to WIBA (which covers only work-related injury) and to medical insurance (which covers treatment costs but not income loss). We tailor sum-assured, daily benefit, and exclusion wording to your actual occupation and lifestyle — not a generic template.
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
Funeral expenses advance to family on accidental death
24-hour worldwide cover — work, home, leisure, travel
Optional ambulance, evacuation, and last expense riders
Who It's 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
Parents adding their children for school and play cover
Employees topping up basic employer WIBA / GPA with personal cover
Types We Cover
Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.
Individual Personal Accident
Single life cover with chosen sum assured. The simplest entry point. Premium scales with the sum assured and occupational class.
Family Personal Accident
Covers principal, spouse, and children under one policy with a shared or per-member sum assured structure. Affordable family-wide protection.
High-Limit Personal Accident
Sum assured of KES 5M+ with broader medical limit. Suited to senior earners using PA as an income-protection layer above WIBA and GPA.
Bundled Motor / Home PA
PA added as a rider on motor or home policies. Reduced premium because of bundling. The cheapest way to add PA cover during a policy renewal.
Group Personal Accident (GPA)
Employer-arranged scheme covering all staff 24 hours a day — distinct from WIBA which is work-related only. Typically benchmark to 36 × monthly salary, sometimes higher.
Real-World Scenarios
Boda boda rider hospitalised after a crash
Three weeks unable to work; KES 60,000 in medical bills. PA covers the medical reimbursement, pays daily disability benefit for the three weeks (replacing lost income), and would pay a lump sum if any permanent disability is later confirmed. The boda boda's motor policy covers the bike and third parties; PA covers the rider personally.
Office worker breaks an ankle skiing on holiday
Worldwide PA cover handles the medical reimbursement abroad, ambulance and evacuation if needed, and daily benefit for the recovery period at home. Critical for active travellers — standard travel insurance often has lower medical limits than dedicated PA.
Accidental death of family breadwinner
PA pays the full sum assured (e.g. KES 3M) to the nominated spouse within 30 days of claim documentation. A funeral expenses advance (typically KES 100K) is released within 72 hours of death notification. This is income-replacement bridge cover until other arrangements (group life, term life) settle.
Optional Benefits & Add-ons
Medical expenses extension (uplift the standard limit)
Ambulance and emergency evacuation
Funeral expenses / last expense rider
Critical illness rider — payout on diagnosis
Dental and optical for accidental injuries
Sports and adventure activities cover
Availability varies by underwriter. Our advisors will confirm what is available on your chosen policy.
Frequently Asked Questions
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