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Wednesday, April 24, 2019

Personal Accident


  • The basis of the contract is the proposal form.
  • The consideration for indemnity being premiums.
  • Upfront payment of premiums is mandatory before commencement of cover.


Bodily injury caused by violent accidental external and visible means. Such injury or injuries shall within six months from the date of occurrence thereof cause or result into any contingencies.


The age should be between 18 years to 65 years.


Depending on the person’s annual earnings together with all other benefits of the employee, the Company takes it into multiples or proportions of either 5 years or 8 years.


  • On death- Capital sum insured.
  • On permanent or total disablement.
  • Weekly benefits for temporary total disablement for a selected sum varying from Kshs 1,000/= per week to Kshs 2,500/= (limited to 104 weeks).
  • Reimbursement of actual medical expenses subject to agreed limit but should not exceed Kshs 25,000/-.
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