Wiba Insurance
Diskava . Beta . Kava
The WIBA Policy provides compensation to employees who suffer injury, disability, or death arising out of and during the course of employment.
It ensures that both the employer and employee are financially protected when workplace accidents happen whether it’s at a construction site, office, factory, or during fieldwork. This cover applies to permanent employees, contract and casual workers, and temporary or seasonal staff.
Statutory
WIBA Act 2007
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What’s covered under WIBA
Accidental injury or death
Cover for incidents that happen while an employee is on duty.
Medical expenses
Including hospitalization and treatment.
Disability compensation
Compensation for temporary or permanent disability.
Funeral and last expense costs
Support for the family when the worst happens.
Free quote
Get your team covered
Send us your staff numbers and payroll band, and we’ll quote WIBA, GPA and Group Life together.
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Extended protection options
Go beyond the statutory minimum with round-the-clock cover for your people.
WIBA Plus (WIBA GPA)
Employers who want 24-hour protection even outside working hours can upgrade to WIBA Plus or WIBA GPA (Group Personal Accident). This extension offers worldwide coverage, ensuring employees are protected whether they’re at work, home, or traveling.
- Accidental death benefit
- Permanent or temporary total disability compensation
- Medical reimbursement for accidents
- Weekly indemnity for temporary disablement
Group Life Cover
Group Life Assurance provides a lump sum payment to an employee’s family if they pass away while in service. This gives their dependents financial stability during difficult times.
- Death benefit payable to nominated beneficiaries
- 24-hour worldwide protection
- Optional Last Expense Cover for immediate funeral expenses
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WIBA claim requirements
To process a WIBA claim, the following documents are needed:
- Dosh 1 Form from the Ministry of Labour
- Original medical bills and receipts
- Doctor’s medical report
- Sick-off sheets approved by the employer
- Appointment letter or payslips
- Safety committee or incident report
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Why every employer in Kenya needs these covers
Legal compliance
Meets Kenya’s Labour and WIBA regulations, a statutory requirement for all employers.
Financial protection
Protects both the employer and employee from unexpected financial burdens.
Employee morale
Boosts employee morale and retention across your workforce.
Corporate reputation
Enhances your standing as a responsible, compliant business.
Medical & Last Expense
Access to quality healthcare for staff and dependents, plus quick payout for funeral and burial arrangements.
Affordable premiums
Flexible pricing for SMEs, corporates, and NGOs.