Employee Benefits

Cover your employees in case of critical illness, disability and death.

Employee Medical/Health Insurance

This cover provides for the payment of the incurred medical expenses arising out of accident or disease. The cover provides for inpatient benefits (where the individual is hospitalized inclusive of maternity) or outpatient (where the individual accesses consultation services and drugs inclusive of optical and dental care). This cover is provided by the employer for the benefit of its employees.

Work Injury Benefits Insurance

The cover is primarily to guarantee employers’ compliance to the Work Injury Benefits Act 2007 for occupational risks and thus compulsory to all employers in Kenya.

Work Injury Benefits Insurance thus enables employers to cover their employees in case of death or disability, which occurred in the course of or in connection with their employment contract. The minimum benefits as required under the Work Injury Benefits Act 2007 are as follows: -

  • Death                           96 months’ gross salary
  • Permanent disability    96 months’ gross salary
  • Temporary disability    12 months’ gross salary
  • Funeral expenses        reasonable’ amount
  • Medical expenses       actual costs’ incurred

 

The cover includes the following add on options: -

 

  • Employer Liability Insurance – covers the legal liability for which an employer is liable for due to the employee’s death or injury being as a result of the employer’s negligence.
  • Group Personal Accident Insurance – extends the coverage of the Workmen’s Compensation to include non-occupational risks.

 

Group Personal Accident Insurance

This cover allows an organization to cover its employees in case of death or disability, directly caused by an accident.

The cover includes the following add on options: -

  • Medical Expenses – assists in the costs for hospital bills arising out of an accident.
  • Funeral Expense assists in the burial costs.
  • Temporary Total Disability – up to 12 months’ salary will be paid out if an employee is involved in an accident and when (because of this) he or she is unable to perform their usual duties at work.

 

The cover also extends to include temporary total disability, medical expense reimbursement and funeral benefits. The amount of cover is based on either a fixed amount per employee or a multiple of annual salary

Group Life Insurance

 

This is a traditional Death-in-Service benefit that allows an organization to cover its employees in case of death or disability; directly caused by an accident or illness.

The cover includes the following add on options: -

  • Critical illness - This is a comprehensive insurance package where a percentage of the Sum Assured will be paid should the employee be diagnosed with any one of 7 critical illnesses (cancer, stroke, paraplegia, kidney failure, major organ transplant, heart attack and coronary artery bypass surgery).
  • Funeral Expense – assists in the costs for burial. Benefit can include spouses, children and parents/parent’s in law
  • Temporary Total Disability - will be paid out if an employee is involved in an accident and/or illness and when (because of this) he or she is unable to perform their usual duties at work.

 


 
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