Employee Benefits

We are a one-stop shop for Employee Benefits. The Work Injury Benefit Act came into force on June 2, 2008 replacing the Workmen’s Compensation Act. The Act makes it compulsory for every employer to provide cover for all their employees against bodily injury, disease or death sustained and arising out of and in the course of their employment.

It is for this reason that over the last year we have introduced products targeted at corporate organizations namely Work Injury Benefits Act (WIBA), WIBA Plus and Group Personal Accident (GPA) Cover. We also offer Personal Accident Covers to Individuals & Families.

WIBA
This cover Provides compensation to employees for work related injuries and diseases contracted in the course of their employment and for connected purposes as provided in the work injury benefit Act (WIBA ACT).

Benefits

  • Bereavement Compensation
  • Compensation for Permanent Total Disablement
  • Compensation for Temporary Total / Partial Disablement
  • Accidental Medical Expenses
  • Funeral Expenses
  • Life’s Assistance
  • Occupational Illness

WIBA Plus
The cover extends to compensate employees for injuries and accidental death arising outside working hours.

Benefits

  • Bereavement Compensation
  • Compensation for Permanent Total Disablement
  • Compensation for Temporary Total / Partial Disablement
  • Accidental Medical Expenses
  • Funeral Expenses
  • Occupational Illness
  • Life’s Assistance
  • Artificial Appliances

Limits of liability

  • Per person – Kshs 50 Million
  • Per Event – Kshs 100 Million
  • In aggregate – Kshs 500 Million

Employer’s Liability
Provides cover for legal liability consequent upon death of or bodily injury to or illness of an employee which occurs during and in the course of employment and which results in a claim or claims first being made against the insured during the period of insurance.

WIBA Plus (WIBA, GPA & Employer’s Liability combined to form one product)
This extends to cover legal liability of the employer arising from employee illness or injury, sustained in the course of their duties.

Benefits

  • Bereavement Compensation
  • Compensation for Permanent Total Disablement
  • Compensation for Temporary Total / Partial Disablement
  • Artificial Appliances
  • Life’s Assistance
  • Accidental Medical Expenses

Additional Benefits

  • Funeral Expenses
  • Repatriation / Body Transfer
  • Mobility
  • Claims preparation cost
    Emergency transportation / rescue

Employer’s liability

  • Per person – Kshs 20 Million
  • Per Event – Kshs 100 Million
  • In aggregate – Kshs 500 Million

Offers compensation for death, permanent disablement, temporary loss of
income due to disablement and medical expenses arising from an accident.

Benefits

  • Bereavement Compensation
  • Compensation for Permanent Total Disablement
  • Compensation for Temporary Total / Partial Disablement
  • Critical Illness Cover
  • Accidental Medical Expenses
  • Funeral Expenses
  • Hospital Cash
  • Artificial Appliances
  • Tuition during incapacitation

This is taken out by employers for benefit of employees or by an organization for the benefit of members. It gives compensation for death, permanent disability, temporary loss of income due to disablement, and medical expenses arising from an accident.

Benefits

  • Bereavement Compensation
  • Compensation for Permanent Total Disablement
  • Compensation for Temporary Total / Partial Disablement
  • Medical Expenses
  • Funeral Expenses

Additional Benefits

  • Artificial Appliances
  • Repatriation / Body transfer
  • Emergency transportation / rescue
  • Life’s Assistance
  • Duly Completed Proposal Form
  • Copy of National ID & P.I.N. Certificate
  • Listing of employees covered required
  • Premium Payment

In the event of a WIBA/PA/GPA Claim, please provide the following documents:

  • Duly Completed WIBA/PA Claim° Form.
  • Duly Completed and stamped DOSH (Directorate of Occupational Safety and Health Services) 1 form (PART I, II and III)*
  • Duly Completed and stamped DOSH/WIBA 4 Form*
  • Original medical receipts.
  • Witness & Claimant’s statements on the occurrence causing the injury.
  • Police Abstract (In the event of an accident).
  • Copy of Claimant’s National I.D.
  • Payslips for three months prior to the injury.
  • Sick off sheets.
  • Treatment/medical records.
  • For GPA claims, please use PA Claim form.
  • Filling of a DOSH form is only applicable to WIBA Claims
  • The DOSH forms should be stamped by the Labour Office.

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