• By Raymond Momanyi

Student Attachment Personal Accident Insurance Kenya | Rates

Student-on-attachment Personal Accident Insurance in Kenya can start from about KSh 350 for 3 months and KSh 650 annually. Compare Option 1–3 benefits and get a quote through Imana Insurance.

Website: www.imana.co.ke
MyKava: www.mykava.co.ke

Personal Accident Insurance:
https://www.imana.co.ke/personal-accident-insurance

General insurance enquiries:
https://imana.co.ke/

How Much Is Personal Accident Insurance for Students on Attachment in Kenya?

Students going for:

• Industrial attachment
• Internship
• Practical training
• Field placement
• Work-based learning

are often asked by a college, university or host organisation to provide proof of Personal Accident Insurance before reporting.

This policy is not the same as full Medical Insurance.

It is designed to provide specified financial benefits where the insured student suffers an accident during the insured period.

Based on the sample Student-on-Attachment Personal Accident rate card used for this guide, cover can start from:

KSh 350 for 3 months

and:

KSh 650 for 12 months

for the lowest-benefit option.

Imana Insurance Agency Kenya Ltd is a Westlands-based insurance intermediary helping individuals, families and businesses compare insurance quotations from licensed Kenyan insurers across Motor, Medical, WIBA, PSV, Travel, Motorcycle, Corporate and other insurance classes.

For Student Personal Accident Insurance:

https://www.imana.co.ke/personal-accident-insurance

Quick Answer: Student Attachment Insurance Rates in Kenya

The sample rate card provides three benefit levels.

Option 1 — Highest Benefit Level

Benefits

Accidental Death: KSh 200,000

Permanent Total Disability: KSh 200,000

Accident Medical Expenses: KSh 50,000

Artificial Appliances: KSh 20,000

Dental Expenses: KSh 20,000

Optical Appliances: KSh 20,000

Funeral Expenses: KSh 40,000

Premiums

3 months: KSh 600

6 months: KSh 750

12 months: KSh 1,240

Option 2 — Mid-Level Cover

Benefits

Accidental Death: KSh 150,000

Permanent Total Disability: KSh 150,000

Accident Medical Expenses: KSh 30,000

Artificial Appliances: KSh 20,000

Dental Expenses: KSh 20,000

Optical Appliances: KSh 20,000

Funeral Expenses: KSh 30,000

Premiums

3 months: KSh 500

6 months: KSh 570

12 months: KSh 950

Option 3 — Lowest-Cost Cover

Benefits

Accidental Death: KSh 100,000

Permanent Total Disability: KSh 100,000

Accident Medical Expenses: KSh 20,000

Artificial Appliances: KSh 20,000

Dental Expenses: KSh 20,000

Optical Appliances: KSh 20,000

Funeral Expenses: KSh 20,000

Premiums

3 months: KSh 350

6 months: KSh 400

12 months: KSh 650

The sample rate card states that the premiums include taxes.

How Much Should a Student Budget?

For a typical 3-month industrial attachment:

KSh 350–600

For 6 months:

KSh 400–750

For 12 months:

KSh 650–1,240

The final choice depends on the benefit level required by the school, employer or student.

What Does Student Personal Accident Insurance Cover?

The sample policy structure includes several accident-related benefits.

Accidental Death

This provides a lump-sum benefit if the insured student dies as a result of an insured accident, subject to the policy terms.

The sample limits are:

Option 1: KSh 200,000

Option 2: KSh 150,000

Option 3: KSh 100,000

Permanent Total Disability

Permanent Total Disability, commonly abbreviated as PTD, provides a lump-sum benefit where an insured accident results in permanent total disability as defined by the policy.

The limits are:

Option 1: KSh 200,000

Option 2: KSh 150,000

Option 3: KSh 100,000

Accident Medical Expenses

This benefit helps meet eligible treatment costs following an accident.

The sample limits are:

Option 1: KSh 50,000

Option 2: KSh 30,000

Option 3: KSh 20,000

This benefit is specifically for accident-related treatment.

It should not be confused with full Medical Insurance for illness and routine healthcare.

Artificial Appliances

Each option provides:

KSh 20,000

for specified artificial appliances arising from an insured accident, subject to policy wording.

Dental Expenses

All three options include:

KSh 20,000

for accident-related dental expenses.

This can be useful where an accident causes injury to the teeth or mouth.

Optical Appliances

Each option also provides:

KSh 20,000

for specified optical appliances following an insured accident.

Funeral Expenses

The sample rate card provides:

Option 1: KSh 40,000

Option 2: KSh 30,000

Option 3: KSh 20,000

The card also indicates that funeral expenses are payable within 48 hours, subject to the insurer accepting the claim and receiving the required documentation.

What if the Student Is Below 18?

The sample rate card states that:

The death benefit for children below 18 years is limited to a maximum of KSh 100,000.

This means that even where a higher option is selected, the stated age-based cap may apply.

Always confirm the student's age when applying.

Is Student Personal Accident Insurance the Same as Medical Insurance?

No.

This distinction is very important.

Student Personal Accident Insurance

Triggered by an insured accident.

It may pay:

• Death benefit
• Disability benefit
• Accident medical expenses
• Funeral expenses
• Related accident benefits

Medical Insurance

Can cover broader healthcare needs such as:

• Illness
• Inpatient treatment
• Outpatient treatment
• Chronic conditions
• Maternity

depending on the policy.

Many families may therefore keep both.

A student might use Personal Accident Insurance for the attachment requirement while still remaining under a family Medical Insurance plan.

Is Student Personal Accident Insurance the Same as WIBA?

No.

Student Personal Accident Insurance and WIBA are different forms of protection.

WIBA relates to qualifying work-related injury and occupational disease exposures under Kenya's employment framework.

A student attachment arrangement may differ from formal employment, so the correct cover should be determined from the actual relationship between:

• Student
• Institution
• Host organisation

Where the student is formally employed, an employer should separately assess applicable WIBA obligations.

Student PA should not automatically be assumed to replace WIBA where WIBA applies.

Who Should Consider This Cover?

This type of policy can be useful for:

• University students
• College students
• TVET students
• Industrial attachment students
• Interns
• Students on field placement
• Parents arranging cover
• Colleges and universities
• Host employers

It is especially useful where proof of accident cover is required before the student reports to the attachment station.

Why Do Host Companies Ask for Personal Accident Cover?

A host organisation may want evidence that the student has accident protection during the placement.

That helps clarify how accident-related financial exposure may be handled.

The exact requirement can differ from one organisation to another.

Before buying, confirm:

• Minimum death benefit
• Minimum medical benefit
• Required policy period
• Whether a certificate or letter is required
• Whether the school already has group cover

How to Choose Between Option 1, Option 2 and Option 3

Choose Option 3 if:

• You need the lowest-cost cover
• The institution mainly requires proof of insurance
• The attachment is relatively low-risk
• The lower benefit limits are acceptable

For 3 months:

KSh 350

Choose Option 2 if:

• You want a middle level of protection
• The attachment has moderate workplace exposure
• You want higher death and medical benefits than Option 3

For 3 months:

KSh 500

Choose Option 1 if:

• You want the highest limits on the sample card
• The attachment involves workshops, sites, laboratories, hospitality operations or field travel
• You want higher accident medical and disability benefits

For 3 months:

KSh 600

Is the Most Expensive Option Better Value?

Not always for every student, but the additional premium is relatively small compared with the increase in benefits.

For example, for 3 months:

Option 3: KSh 350

Option 1: KSh 600

The difference is:

KSh 250

But Option 1 increases:

• Accidental Death from KSh 100,000 to KSh 200,000
• Permanent Total Disability from KSh 100,000 to KSh 200,000
• Accident Medical Expenses from KSh 20,000 to KSh 50,000
• Funeral Expenses from KSh 20,000 to KSh 40,000

That makes it worth comparing benefits rather than choosing based only on the lowest premium.

Should You Buy 3 Months, 6 Months or 12 Months?

Match the policy period to the actual attachment period.

If your attachment lasts 12 weeks, a 3-month option may be sufficient.

If it lasts 6 months, use the 6-month option.

If the institution requires annual cover or the student has several placements, the 12-month option may be more practical.

Do not automatically pay for a longer term than required.

What Documents Are Needed?

Requirements may vary by insurer, but commonly requested information can include:

• Full student name
• National ID, Passport or other identification
• Date of birth
• School or college
• Course
• Attachment start date
• Attachment end date
• Host organisation
• Attachment location
• Next of kin
• Selected option

Additional documents may be requested.

Can Universities or Colleges Buy Group Cover?

Yes, depending on insurer arrangements.

Universities, colleges and TVET institutions may arrange group Personal Accident cover for:

• Attachment students
• Interns
• Trainees
• Field-placement students

This can be more practical than requiring every student to purchase separately.

Can a Company Insure Several Attachés Together?

Potentially, yes.

A host organisation taking several students may request a group arrangement.

The insurer may require:

• Number of students
• Names
• Attachment period
• Nature of duties
• Work location
• Benefit limits required

Does the Type of Attachment Matter?

It can.

A student working in an office may present a different risk from a student working in:

• Construction
• Manufacturing
• Engineering
• Workshops
• Laboratories
• Field operations

The sample card provides standard rates, but higher-risk placements may require additional underwriting or different terms.

Does Student PA Cover Illness?

Generally, no.

This type of cover is designed primarily for accidents.

It is not intended to cover:

• Malaria
• Flu
• Ordinary outpatient illness
• Pre-existing medical conditions

unless specifically provided under the policy.

For broader health protection, Medical Insurance should be considered separately.

What About Travel to and From the Attachment?

This depends on the insurer's policy wording.

Students should confirm whether cover applies:

• While commuting
• During field assignments
• During official travel
• During activities outside the attachment station

Do not assume every accident away from the host workplace is automatically covered.

Can a Student on Attachment Outside Kenya Use the Same Cover?

Not necessarily.

Territorial limits matter.

A student going for attachment outside Kenya may need:

• Travel Insurance
• International Medical Insurance
• Personal Accident with the correct territorial scope

depending on the placement.

For travel-related cover:

www.mykava.co.ke

How Quickly Can the Certificate Be Issued?

Student Personal Accident cover is generally a relatively straightforward product once the required details and premium are available.

However, actual certificate timing depends on:

• Complete information
• Payment confirmation
• Insurer processing
• Any special underwriting requirements

Start early if the school or host employer has a reporting deadline.

How to Buy Student Attachment Personal Accident Insurance

Step 1

Confirm the attachment duration.

Step 2

Ask the institution or employer whether a specific benefit level is required.

Step 3

Choose Option 1, 2 or 3.

Step 4

Provide the student details.

Step 5

Pay the applicable premium.

Step 6

Receive the policy or certificate once insurer processing is complete.

Start here:

https://www.imana.co.ke/personal-accident-insurance

Why Compare Student Personal Accident Insurance Through Imana?

Different institutions may require different limits.

Different insurers may also structure Personal Accident benefits differently.

Imana can help students, parents and institutions compare:

• Premium
• Policy period
• Death benefit
• Disability benefit
• Accident medical expenses
• Funeral benefit
• Group arrangements

before purchasing cover.

Imana Insurance Agency Kenya Ltd

Imana Insurance Agency Kenya Ltd is a Westlands-based insurance intermediary helping individuals, families and businesses compare insurance quotations from licensed Kenyan insurers across Motor, Medical, WIBA, PSV, Travel, Motorcycle, Corporate and other insurance classes.

For Personal Accident Insurance:

https://www.imana.co.ke/personal-accident-insurance

For other insurance enquiries:

https://imana.co.ke/

Frequently Asked Questions

How much is Personal Accident Insurance for a student on attachment in Kenya?

Based on the sample rate card, prices start from:

KSh 350 for 3 months

and:

KSh 650 annually

How much is the highest student attachment option?

Option 1 costs:

3 months: KSh 600

6 months: KSh 750

12 months: KSh 1,240

What does Option 1 cover?

It provides up to:

• KSh 200,000 Accidental Death
• KSh 200,000 Permanent Total Disability
• KSh 50,000 Accident Medical Expenses
• KSh 20,000 Artificial Appliances
• KSh 20,000 Dental
• KSh 20,000 Optical
• KSh 40,000 Funeral Expenses

subject to policy terms.

What is the cheapest option?

Option 3.

It costs:

KSh 350 for 3 months

Can I buy cover for 6 months?

Yes.

The sample options are:

Option 1: KSh 750

Option 2: KSh 570

Option 3: KSh 400

Are taxes included?

Yes, according to the sample rate card.

Does it cover sickness?

Not ordinarily. The product is designed primarily for accident-related benefits.

Does it replace Medical Insurance?

No.

Does it automatically replace WIBA?

No. WIBA and Student Personal Accident Insurance address different exposures.

Can a university arrange cover for many students?

Potentially, yes, through a group Personal Accident arrangement.

How Much Is Personal Accident Insurance for Students on Attachment in Kenya? Final Answer

Based on the sample Student-on-Attachment Personal Accident rate card:

Option 3 — Lowest-cost cover

3 months: KSh 350
6 months: KSh 400
12 months: KSh 650

Option 2 — Mid-level cover

3 months: KSh 500
6 months: KSh 570
12 months: KSh 950

Option 1 — Highest benefit level

3 months: KSh 600
6 months: KSh 750
12 months: KSh 1,240

Benefits may include:

• Accidental Death
• Permanent Total Disability
• Accident Medical Expenses
• Artificial Appliances
• Dental Expenses
• Optical Appliances
• Funeral Expenses

The right choice depends on:

Attachment period + Institution requirement + Work environment + Benefit level + Budget

Compare the benefit, not just the premium.

Get a Student Attachment Personal Accident Quote

https://www.imana.co.ke/personal-accident-insurance

Imana Insurance Agency Kenya Ltd:
www.imana.co.ke

MyKava:
www.mykava.co.ke

Author:
Raymond Momanyi – Founder & CEO, Imana Insurance Agency Kenya Ltd

The figures above are based on the sample Student-on-Attachment Personal Accident rate card used for this guide. They are not a universal market tariff or binding quotation. Premiums, eligibility, benefits, age limits, territorial scope and exclusions may differ by insurer. Always review the final quotation and policy wording before purchase.