Gateway Park, Block D, Mombasa Road,
Nairobi
Group Personal Accident
Accidents can happen anywhere, especially in the workplace, often with severe consequences. To safeguard employees’ welfare, employers can opt for Group Personal Accident (GPA) Cover, which functions similarly to individual Personal Accident Cover but is paid for by the company.
Unlike the Work Injury Benefits Act or Employers Liability policy, which typically covers employees only during specific work hours, GPA provides comprehensive 24-hour coverage.
Scope of Coverage
This policy insures against accidents that may occur
At work
At home
While traveling
During recreation
The coverage can also be customized as an occupational-only personal accident cover, focusing solely on accidents arising during employment. Injuries are assessed against a defined industry-accepted scale.
Cover Benefits
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Capital Sum Benefit
Lump sum paid in the event of death or permanent total disablement Estimated Annual Earnings
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Estimated Annual Earnings
Benefits may be calculated as multiples of the insured person's annual salary
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Weekly Benefits
Paid for a specified period in case of temporary total disablement, where the insured person is unable to work
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Medical Expenses
Reimbursement for medical costs such as operation fees, surgical appliances, dental, ophthalmic or nursing home charges, as well as ambulance expenses incurred due to injury
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Death
Payment of specified limits or multiples of annual salary to beneficiaries in case of the insured person's death
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Permanent Total Disablement
Compensation for total and absolute disablement preventing engagement in the insured person's usual occupation
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Temporary Total Disablement
Benefits for disablement that wholly prevents the insured person from working temporarily
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Medical Expenses
Comprehensive coverage for necessary medical treatments and associated costs