Personal Accident Insurance gives you financial support if you’re injured, permanently disabled, or lose your life due to an accident. It can also help cover medical bills that come directly from the incident. It works alongside your life and medical insurance to give you extra protection.
Your premium depends on the type of cover you choose, and your payout can be based on your income or an agreed amount. Best of all, it protects you anywhere in the world. We also offer Group Personal Accident cover for families, employees, chamas, SMEs, schools and any group that shares a common interest.

Accidental Death
Your loved ones receive a pre-agreed amount or a multiple of your salary if you lose your life due to an accident.

Permanent Disability
You (or your beneficiary) receive a percentage of the agreed cover amount in the event of permanent disability.

Weekly Payments (Temporary Total Disability)
If an accident temporarily prevents you from working, we’ll support you with weekly payments for up to 104 weeks as you recover.

Medical Expenses
We reimburse medical costs, including optical and dental, up to the set limit.

Emergency Evacuation
We cover costs related to emergency evacuation so you can get immediate medical care.

Assistive Devices
If needed after the accident, we help cover the cost of assistive devices.

Repatriation Costs
If you pass away, we cover the cost of returning your remains to your home.

Funeral Expenses
A pre-agreed amount is paid to your beneficiaries to help with funeral costs.