Personal Accident Insurance
Life is unpredictable, accidents can happen anytime, anywhere. Personal Accident Insurance from Advanced Insurance Agency Limited provides financial protection in the event of accidental injury, disability, or death, ensuring you and your loved ones are supported when it matters most.
This cover is designed to protect individuals, families, employees, and business owners against the financial impact of unexpected accidents.
What is Personal Accident Insurance?
Personal Accident Insurance offers compensation if you suffer bodily injury, permanent disability, temporary incapacity, or death due to an accident. The policy pays benefits regardless of who is at fault and helps cover medical expenses, income loss, and rehabilitation costs.
Who Should Take Personal Accident Insurance?
This cover is ideal for:
- Individuals seeking extra financial security
- Employees and employers (Group Personal Accident cover)
- Self-employed professionals
- Business owners and company directors
- Casual workers and contractors
- Anyone engaged in travel, manual work, or high-risk activities
Key Benefits of Personal Accident Insurance
✔ Accidental death benefit
✔ Permanent total or partial disability compensation
✔ Temporary total disability income replacement
✔ Medical expenses reimbursement (optional)
✔ 24-hour worldwide cover
✔ Flexible cover limits to suit your budget
✔ Individual and group policy options
What Does the Policy Cover?
- Accidental bodily injury
- Permanent disability (loss of limbs, eyesight, or hearing)
- Temporary incapacity preventing you from working
- Accidental death
- Medical expenses related to the accident (optional add-on)
Coverage applies both at work and outside working hours.
Why Choose Advanced Insurance Agency Limited?
- Trusted and licensed insurance agency in Kenya
- Access to reputable insurance underwriters
- Customized cover options for individuals and businesses
- Competitive premiums
- Professional claims support from start to finish
We work with you to ensure you get the right protection at the right cost.
Click To Call: 0722494303
Personal Accident Insurance FAQs
1. What is the difference between Personal Accident and Medical Insurance?
Medical insurance covers treatment of illnesses and injuries, while Personal Accident Insurance specifically covers injuries, disability, or death caused by accidents and pays direct compensation.
2. Is Personal Accident Insurance mandatory in Kenya?
It is not mandatory for individuals, but employers are often required to provide Group Personal Accident or Work Injury Benefits (WIBA) cover for employees.
3. Does the policy cover accidents outside working hours?
Yes. Personal Accident Insurance provides 24-hour cover, including at home, work, or while traveling.
4. Can I get Personal Accident cover for my employees?
Yes. We offer Group Personal Accident Insurance tailored for businesses, organizations, and institutions.
5. Are medical expenses included?
Medical expenses can be included as an optional benefit depending on the policy chosen.
6. How much does Personal Accident Insurance cost?
Premiums depend on:
- Sum insured
- Nature of work or occupation
- Individual or group cover
We help you select an affordable option that meets your needs.
7. How do I make a claim?
In case of an accident, notify us immediately. We will guide you through documentation, medical reports, and claims submission to ensure a smooth process.
Get Covered Today
Protect yourself, your family, or your employees from unexpected accidents.