Personal Accident Cover

24/7 protection with up to KES 150,000 coverage for accidents

Only KES 1,150 Per Year

Why Personal Accident Cover?

24/7 Protection

Covered anywhere, anytime - at work, home, or traveling

Fast Payout

Claims processed within 72 hours

Direct Phone Payment

Money sent straight to your phone

What You Get

KES 150,000 Death Benefit

Paid to your next of kin in case of accidental death

KES 150,000 Permanent Disability Benefit

If you suffer permanent total disability from an accident

KES 20,000 Medical Expenses Refund

Reimbursement for accident-related medical treatment

KES 100,000 Funeral Expense Benefit

Additional support for funeral costs

Types of Accidents Covered

Road Accidents

Car, motorcycle, or pedestrian accidents

Falls & Injuries

Slips, falls, and impact injuries

Burns & Scalds

Fire, electrical, or chemical burns

Workplace Accidents

Injuries sustained at your job

How It Works

1

Apply Online

Fill simple form in 5 minutes

2

Pay via Phone

KES 1,150 one-time payment

3

You are Protected

24/7 coverage starts immediately

4

File a Claim

Submit documents & get paid

Frequently Asked Questions

Am I covered 24/7?

Yes! You are covered anywhere in Kenya, anytime - whether at work, home, traveling, or doing sports.

How do I file a claim?

Download the claim form from our website under the Claims section, complete it, and submit it to us with all required documents. As your insurance partner, we will submit the claim to the insurance company on your behalf and guide you until you receive payment.

What documents do I need to claim?

For medical expenses: hospital bills and medical reports. For death/disability: medical assessment or death certificate.

Does this cover illnesses?

No, this cover is specifically for accidental injuries only. Illnesses are not covered.

What is not covered?

This cover does not apply to injuries resulting from suicide attempts, criminal activities, excessive alcohol or drug use, war or warlike operations, or strikes, riots and demonstrations.

Get Protected 24/7

Accidents happen when you least expect them. Be prepared.

Bima Life Insurance Agency Limited

Licensed & Regulated by the Insurance Regulatory Authority

Personal Accident Cover Application

Up to KES 150,000 - Only KES 1,150/year

1
Personal Info
2
Next of Kin
3
Review

Personal Information

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🔒 Your information is secure and encrypted

Licensed by IRA • Underwritten by APA Insurance

24/7 Accident Protection

Complete your Personal Accident Cover application

Your Personal Accident Cover:

KES 150,000 Death Benefit
KES 150,000 Permanent Disability Benefit
KES 20,000 Medical Expenses Refund
KES 100,000 Funeral Expense Benefit

Payment Summary

Cover Duration: 1 Year
Premium: KES 1,095
Service Charge: KES 50
Total Amount: KES 1,150
That is only KES 95 per month for up to KES 150,000 in total benefits!
100% Secure Payment
Licensed by
IRA
Underwritten by
APA Insurance
Secure via
Mobile Money

How Payment Works:

  1. 1.Enter your mobile money number below
  2. 2.You will get a payment prompt on your phone
  3. 3.Enter your PIN to complete payment
  4. 4.Get instant SMS + WhatsApp confirmation with certificate
MOBILE MONEY PAYMENT
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