Ziara is a cover that caters for emergency treatment following an accident while travelling by motor vehicle.

The cover is purchased at designated points of departure and via other sales channels. The member then receives a wristband which has a serial number that will be used for registration and activating the band by dialing *830# and paying via M-PESA. There are two types of wristbands for daily and long-term use, which are used as identifiers in the event of an accident.

Benefits of Ziara Accident Emergency Medical Cover

  • Expenses towards emergency medical treatment including ambulance transfer services up to Kshs.150,000 for injuries arising from motor vehicle accidents.
  • Last expense limit of Kshs.30,000.

Ziara Accident Emergency Medical Cover plans

  • 1 Day at Kshs 70
  • 1 Month at Kshs 450
  • 3 Months at Kshs 720
  • 6 Months at Kshs 1,260
  • 1 Year at Kshs 1,800

Why buy Ziara Accident Emergency Medical Cover?

  • No cash deposit is required at the Medical Facilities (hospitals and clinics).
  • Upon payment, you will get a unique, secure and responsive Wristband Identifier.
  • In the event of an accident you will get “Golden Hour” immediate Post Accident Medical Care.
  • Your records will be online for instant cover validation upon admission.
  • In the event of an accident your next of kin will be notified immediately.
  • You will get easy access to countrywide network of Medical Facilities.


  • Age: All ages are covered under the Ziara Accident Emergency Medical Cover. (Adults must register on behalf of minors)
  • Anyone travelling by motor vehicle.


  • Expenses that were not part of the visible injuries sustained during the accident
  • Non-medical and illness related expenses
  • Consequential expenses such as incapacitation
  • Accidental medical expenses through any means other than motor vehicles. “Motor vehicles” in this case does not include motorcycles.


  • The Ziara Accident Emergency Medical Cover is not transferrable.
  • The cover can only be paid by mobile money for validation purposes.
  • The cover options available are: 24 hours, 1 month, 3 months, 6 months and 1 year