Employee Benefits Insurance
Cover your employees in case of critical illness, disability and death
Some of the benefits
Protect your employees
Our employee medical / health cover provides for the payment of the incurred medical expenses arising out of accident or disease, includes both inpatient or outpatient services
Group Life insurance
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
Group Personal Accident cover
Allows an organization to cover its employees in case of death or disability, directly caused by an accident
Temporary Total Disability
Up to 12 months’ salary will be paid out if an employee is involved in an accident and when he or she is unable to perform their usual duties at work
Employee Medical or 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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Employee Medical or Health Insurance
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Work Injury benefits insurance
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Group Personal Accident Insurance
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Group Life 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.
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.
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.
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.