Accidental death benefit
A stated benefit may be payable to the eligible beneficiary or estate when an insured accident results in death within the policy's defined period.
Financial protection when an accident changes your plans
Personal Accident Insurance in Kenya
Understand personal accident benefits, limits and exclusions before choosing cover for yourself, your family or a group.
Clear advice before you choose
Find cover that fits your needs
An unexpected accident can lead to medical bills, time away from work, disability or loss of life. Personal accident insurance can provide stated financial benefits when an insured accident causes an injury or outcome covered by the policy.
Latron Insurance Agency helps individuals, families, employers and organised groups compare personal accident options in Kenya. We explain benefit schedules, territorial limits, occupational classifications, exclusions and the evidence normally required for a claim.
Understanding your options
What personal accident insurance may include
Benefits are paid only for insured events and within the amounts, definitions and time limits stated in the policy.
Permanent disability
A lump-sum benefit may apply when a covered accident causes permanent total or specified partial disability, based on the policy schedule.
Temporary disability
Selected policies may provide a weekly benefit for a limited period when a covered injury temporarily prevents the insured person from working.
Accident medical expenses
Eligible treatment costs arising directly from a covered accident may be reimbursed within a stated limit and subject to supporting documents.
Hospital or funeral benefits
Some plans include fixed hospital, ambulance or funeral-related benefits, subject to the selected policy and limits.
Group personal accident
Employers, associations or other eligible groups may arrange cover for defined members under one policy.
Personalised support
Accident protection for different needs
Individuals and families
Personal cover can add financial support for specified accident-related outcomes alongside other insurance arrangements.
Employers and teams
Group cover can protect eligible employees or members according to their declared duties and benefit categories.
Active and mobile professionals
People whose work or daily activities involve frequent travel, physical duties or other declared exposures may want additional accident protection.
Preparing your quotation
What to have ready
Start with basic information only. Latron will explain if an insurer needs anything further.
- 1Age, occupation and a clear description of normal work duties
- 2Whether you need individual, family or group cover
- 3Preferred accidental death and disability benefit amounts
- 4Any medical-expense or temporary-disability benefits you want considered
- 5Travel, sports or other activities that should be disclosed to the insurer
Helpful answers
Frequently asked questions
Is personal accident insurance the same as medical insurance?+
No. Medical insurance focuses on eligible healthcare costs under its terms. Personal accident insurance pays specified benefits when an insured accident causes a covered injury, disability or death. The two covers may complement each other.
Does personal accident insurance cover illness?+
Usually it responds to accidental bodily injury rather than ordinary illness. Some policies may include limited additional benefits, but the policy definitions and exclusions must be checked.
Am I covered at work and outside work?+
Some policies provide 24-hour cover, while others are limited to occupational or specified activities. Confirm the insured period, territory and activity restrictions before purchase.
Are sports and hazardous activities covered?+
Certain sports, occupations and hazardous activities may be excluded, restricted or accepted only after disclosure and additional underwriting. Tell the insurer about relevant activities before cover begins.
What should I do after an accident?+
Seek appropriate medical help, notify the insurer or Latron promptly and keep medical reports, receipts, incident records and any other evidence requested. Follow the policy's notification time limits.
No-obligation conversation
Let’s find the right protection.
Speak with Latron for clear guidance and a personalised quotation.