Group Personal Accident Insurance
Your employees are your greatest asset. Protect them with Group Personal Accident (GPA) Insurance from Advanced Insurance Agency Limited — a reliable financial safety net that supports your team in case of accidental injury, disability, or death.
This policy provides 24-hour protection for employees against unforeseen accidents, whether at work, at home, or while traveling.
What is Group Personal Accident Insurance?
Group Personal Accident Insurance is a policy taken by an employer or organization to cover employees against accidental bodily injury. It provides financial compensation in case of:
- Accidental death
- Permanent total disability
- Permanent partial disability
- Temporary total disability
- Medical expenses (optional benefit)
The policy ensures employees and their families are financially protected if an accident occurs.
Why Your Business Needs Group Personal Accident Cover
✔ Demonstrates employer responsibility
✔ Enhances employee welfare and morale
✔ Protects your organization from financial strain
✔ Complements WIBA and other statutory covers
✔ Affordable premiums for group cover
✔ 24-hour worldwide protection
In today’s business environment, employee protection is not just compliance — it’s a commitment.
What Does the Cover Include?
- Accidental Death Benefit
Pays a lump sum to the employee’s beneficiaries in case of accidental death.
- Permanent Total Disability
Compensation if the employee becomes permanently unable to work due to an accident.
- Permanent Partial Disability
Compensation based on the severity of injury (e.g., loss of limb, sight, hearing).
- Temporary Total Disability
Weekly compensation for a defined period if the employee is temporarily unable to work.
- Medical Expenses (Optional)
Covers accident-related medical treatment costs.
Who Can Be Covered?
- Corporate employees
- SMEs and startups
- NGOs and institutions
- Schools and universities
- Contractors and casual workers
- Factory and construction workers
We customize the cover based on your industry and risk exposure.
Why Choose Advanced Insurance Agency Limited?
- Licensed and experienced insurance advisors
- Access to leading underwriters in Kenya
- Flexible benefit limits
- Competitive group rates
- Fast and professional claims support
- Tailored policies based on your workforce size
We help you design a cover that fits your organization’s needs and budget.
Click To Call: 0722494303
Frequently Asked Questions (FAQs)
1. Is Group Personal Accident Insurance mandatory in Kenya?
It is not mandatory by law for all businesses, but many employers take it to complement Work Injury Benefits Act (WIBA) requirements and enhance employee welfare.
2. What is the difference between GPA and WIBA?
WIBA covers workplace injuries only, while Group Personal Accident Insurance provides 24-hour coverage — including accidents outside the workplace.
3. Can temporary or casual workers be covered?
Yes. Group Personal Accident policies can be structured to include permanent, contract, and casual employees.
4. Is there a minimum number of employees required?
Most insurers require a minimum number of employees (often 5 or more), but we can arrange flexible options depending on your business size.
5. Does GPA cover illnesses?
No. The policy strictly covers accidents, not illnesses or natural causes of death.
How are premiums calculated?
Premiums depend on:
- Number of employees
- Nature of work (risk category)
- Sum insured selected
- Optional benefits included
We provide competitive quotes tailored to your business.
How do we make a claim?
In case of an accident:
- Notify us immediately
- Submit medical reports and incident details
- We coordinate with the insurer for fast claim settlement
Our team supports you throughout the entire claims process.
Get Covered Today
Protect yourself, your family, or your employees with the right medical insurance plan.