Personal Accident Cover in Kenya: Protecting Yourself and Your Loved Ones

May 17, 2023

Understanding Personal Accident Cover

This is a type of insurance policy that offers financial compensation in the event of accidental bodily injury, disability, or death. Accidents can happen when least expected, and their consequences can be physically, emotionally, and financially devastating.

What does Personal Accident Insurance Cover?

  1. Accidental death
  2. Accidental medical expenses
  3. Last expense
  4. Permanent Total Disability

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.


Securing a Personal Accident Cover in Kenya

Research and Comparison:
Start by looking into the many insurance companies that provide personal accident coverage in Kenya. To discover the policy that best meets your needs, compare the coverage options, conditions, and costs.

Determine Your Needs:
To ascertain the level of protection necessary, consider your lifestyle, line of work, and personal circumstance. When selecting the best coverage, keep factors like age, income, dependents, and everyday activities in mind.

Consult with Insurance Experts:
Ask insurance brokers or agents for advice so they can help you make the right choice. They can aid in determining your demands and offer suggestions based on the specifics of your situation.

Take the time to read the policy documents thoroughly:
Pay particular attention to the terms, conditions, and exclusions. To prevent any unforeseen events or misunderstandings later on, be aware of the coverage limits, waiting periods, and claims procedures.

Apply for Coverage:
After deciding on the personal accident insurance that best suits your needs, finish the application process by supplying the required information and paying the applicable premium. If you need to file a claim in the future, be careful to give true and accurate information. Get a personalized quote for your Personal Accident Cover here


A crucial first step in ensuring your safety and a better future is to invest in personal accident insurance. Always pick a policy that meets your needs, read the terms and conditions thoroughly, and ask for professional advice if necessary. At mTek, we aim to make the process as easy and straightforward as possible for you. You can learn more here


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