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Frequently Asked Questions
What is a Personal Accident Insurance cover?
This is an insurance cover that compensates the insured or their legal dependents in respect of death, permanent total disablement or temporary total disablement caused by violent, accidental, external and visible means while on or off duty.
What is Permanent Total Disablement?
This is total disability that manifests within 12 calendar months of the date of the accident, that renders the insured incapable of attending to their usual business or occupation, provided such disability is total, continuous and permanent.
What is Temporary Total Disablement?
This is a disability that renders the insured entirely incapable of attending to his daily business or his usual occupation or if he has no business or occupation, from attending to any duties which he would normally be carried out by him in his daily life for a period of time.
How does Personal Accident Insurance work?
It works in such a way that it is supplemental to your primary health plan, that helps you pay for out-of-pocket medical and non-medical expenses from an accident or injury. Furthermore, the lump-sum cash benefits are paid directly to you on an indemnity basis.
What is not covered in Personal Accident Insurance Cover?
The cover does not extend coverage to sickness/disability/accidents which occur as a result of;
1. Pre-existing conditions.
2. Pregnancy and childbirth.
3. Acts which were intentional, criminal or otherwise deliberately caused by you.
4. Being under the influence of alcohol or drug abuse.
5. Acts of war and terrorism.
Who needs a Personal Accident Insurance Cover?
If you are working; be it self employed or you are an employee, and definitely know that your livelihood depends on your wellbeing and a prolonged period of the accidental occurrence will have a direct impact on your income, affect your savings, family and lifestyle, then it is important that you have this cover.
If you are a student; you are insured against accidental disablement, medical expenses or death for either 3 or 6 months, depending on the duration of your industrial attachment period in an organization.
Who are our Kenyan Insurance partners for Personal Accident insurance?
- AAR Insurance
- Britam Insurance
- Fidelity Insurance
- First Assurance Insurance
- GA Insurance
- Jubilee Insurance
- Kenya Orient Insurance
- Madison Insurance
- Monarch Insurance
- Occidental Insurance
- Pacis Insurance
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