Individual Insurance

Accidents, by nature, happen unexpectedly. And when they do, it’s wise to have a solid accident insurance plan in place, like a Personal Accident Insurance. It provides you the financial support you need so you can focus on recovery.

Cover against

• Accidental death.
• Permanent disability from the accident.
• Temporary total disability that makes you lose your source of income.

In case of a serious accident

• When you’re admitted at the hospital, we will make a cash payment up to your cover limit.
• We will cover your medical expenses from the accident.
• We will cover you against purchase of artificial aids, like crutches.

In case of a fatal accident

• We cover expenses arising from accidental death.
• We will pay a final benefit to help your loved ones organize for the funeral. 

Who is eligible for the cover?

1. Adults between the age of 18 years and 80 years.
2. Children between the age of 1 month and 17 years.

Your home and its contents are your most valued possessions – a haven of safety.  Are these investments well protected?

• The risk of  loss or damage in our homes is very real.  The house can catch fire, it can be burgled or you could lose some valuables when out of the house.
• Your house servant may be injured whilst working for you or worse still, injury, death or damage may occur to third party persons or their property.

HOW DO YOU PROTECT YOURSELF?

• The answer lies in the specially designed  Domestic Package cover.
• Our Domestic Package cover not only guarantees peace of mind but is a comprehensive policy that takes care of these eventualities and more!

WHO CAN BE COVERED

• Every home owner or Tenant.
• You as the owner of the property for the buildings and contents and other specific covers.

WHAT DOES  OUR DOMESTIC PACKAGE COVER

• It is a combined policy for a residential house which covers the building, contents, personal liabilities, injuries to employees and an all risk cover for valuables.

Buildings Cover

• This covers loss or damage to your home by fire, earthquake, flood, storm and other insured perils.
• Damage to the building from burglary is also covered.
• In addition the policy covers the rent you may have to pay for alternative accommodation in the event the building is inhabitable.

Contents Cover

• All your household contents are covered against fire, burglary and perils such as flood, earthquake, impact damage etc whilst contained in the premises
• Full value of all contents must be stated as loss can destroy all the contents
• Items of high value should be separately stated.

All Risks Cover

• Covers loss or damage to your insured valuables against accidental damage, burglary, fire, mugging, either within the home or when you take these valuables out of the house
• These could be expensive electronic equipment, jewelery, cameras, mobile phones etc
• Values of all items must be stated

Owners & Occupiers Cover

• Visitors can be injured whilst in your premises and you could be held liable

Employees Cover

Your employees such as

• House help,
• Gardeners,
• Drivers,
• Watchman can be covered against bodily injury or death while in course of employment.

What is covered loss or damage arising from

•  Fire
• Lightning
• Earthquake
• Explosion
• Theft
• Impact damage from road vehicles and falling trees.
• Riot and strike/malicious damage.
• Alternative accommodation in the event of loss.
• Special perils A to H which include hail, snow, wind, hurricane, cyclone, tornado or typhoon, Flood or rain, impact, aircraft or articles falling, sub-terrain fire.

Travel insurance is one of the most popular products in Kenya driven being one of the mandatory requirements before applying for a visa at most foreign embassies and consulates in Kenya.
Among the most commonly covered risks in travel insurance Includes:

1.  Covers for emergency medical expenses.
2. Overseas, repatriation in case of death, terrorism and hijack,
3. Travel delay and cancellation,
4. Baggage delay or loss, loss of passport/ID and a number of public liabilities while in the destination country.

Most of the local insurance companies are partnered with international insurance countries to provide travel insurance in Kenya to citizens and foreign residents, this is to increase their reach worldwide and be able to provide assistance to clients worldwide.

Among the most international partnerships are MAPFRE, ASSISTENCIA, AXA and several others. While most travelers buy a standalone travel insurance cover, some medical insurance plans have an inbuilt travel insurance e.g. BUPA, AETNA.

Before purchasing travel insurance, it is important to check with the embassy/consulate you are applying to, to confirm the accepted insurance companies and the scope of the travel insurance cover that is required.

This policy covers the following benefits :

• Emergency medical expenses/hospitalization abroad.
• 24 hour Assistance.
• Emergency medical Evacuation.
• Repatriation of mortal remains.
• Loss of baggage.
• Delay in departure.
• Legal assistance abroad.
• Personal accident.
• Trip Cancellation.

1. What are the common perils covered by the policy?
• Fire
• Lightning
• Earthquake
• Explosion
• Theft
• Impact damage from road vehicles and falling trees.
• Riot and strike/malicious damage.
• Alternative accommodation in the event of loss.
• Special perils which include hail, snow, wind, hurricane, cyclone, tornado, typhoon, flood or rain, impact from aircraft or article falling, subterranean fire.

2. Are visitors covered when they visit?
Yes. They are covered under occupier’s/owners liability.

3.Are workers covered?
Yes. There is WIBA and employer’s liability element covered.

4. Are fences walls and gates covered?
Yes. They are covered as they form part of the sum insured.

5. Is it expensive to have Home Owners’ Insurance?
No. It is one of the cheapest insurance but it also depends on the sum insured.

6. Is premium paid at the time of claim?
No. Premium is paid at inception of cover.