Affordable Personal Accident Insurance
Low-cost 24-hour cover that pays cash if an accident leaves you injured, disabled, or worse — from KSh 3,000 a year, with no medical exam and same-day activation on WhatsApp.
from
KSh 3,000/year
Affordable personal accident (PA) insurance in Kenya starts from about KSh 3,000 per year — roughly KSh 250 a month — and pays a cash lump sum if an accident causes death or permanent disability, a daily benefit while you cannot work, and reimbursement of accident-related medical bills. It is the cheapest way for anyone without employer cover — boda boda riders, hawkers, freelancers, students — to protect their income against an accident, 24 hours a day, anywhere in Kenya. Get a quote or buy on WhatsApp in minutes; no medical exam for most plans.
- From KSh 3,000/year (about KSh 250/month) for 24-hour worldwide cover
- Cash lump sum on accidental death or permanent disability
- Daily benefit replaces income while you recover
- Reimburses accident medical bills — clinic, hospital, ambulance
- No medical exam; cover activated the same day on WhatsApp
- Family, group (boda stage / chama / SACCO) and high-limit options
Affordable personal accident (PA) insurance answers a simple question millions of Kenyans ask: what happens to my income if an accident puts me in hospital? For as little as KSh 3,000 a year — about KSh 250 a month — a PA policy pays a cash lump sum on accidental death or permanent disability, a daily benefit while you cannot work, and reimburses the medical bills from an accidental injury. It is the cheapest income-protection product on the market.
This cover is built for the people the formal system leaves out: boda boda riders, hawkers and market traders, freelancers and gig workers, students, and anyone self-employed without an employer's WIBA or group accident scheme. There is no medical exam for most plans, cover is activated the same day, and the whole process — quote, payment, and cover note — runs on WhatsApp. You choose the sum assured and the premium scales with it, so genuinely affordable entry-level cover is always available.
What It Covers
Accidental death — cash lump sum to your nominated next of kin
Permanent total disability — full sum assured
Permanent partial disability — a set percentage per injury (e.g. loss of a hand, eye, or finger)
Temporary disability — daily or weekly cash while you cannot work
Accident medical expenses — clinic, hospital, and treatment costs
Funeral expenses advance released quickly to the family
24-hour cover — on the road, at work, at home, and at leisure
Optional ambulance, evacuation, and last-expense add-ons
Who It's For
Boda boda riders facing daily road risk
Hawkers, market traders, and mama mboga without employer cover
Freelancers, gig workers, and the self-employed
Students and young people not yet on a workplace scheme
Anyone who wants income protection but finds life cover too expensive
Types We Cover
Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.
Basic (Individual)
Single-life cover at an entry-level sum assured — the cheapest way in, from about KSh 3,000/year. Ideal for one earner protecting their own income.
Family
Covers you, your spouse, and children under one affordable policy with a shared or per-member sum assured. Protects the whole household for not much more than individual cover.
Group (Stage / Chama / SACCO)
A boda boda stage, chama, or SACCO insures all members under one scheme at a flat per-member rate — the cheapest per-person pricing, with one simple renewal for the group.
Real-World Scenarios
Boda rider off the road for a month
A rider is hospitalised after a matatu sideswipes him — KSh 45,000 in bills and four weeks unable to ride. Affordable PA reimburses the medical costs and pays a daily cash benefit for the weeks off work, replacing the fare income he would otherwise lose. His motor cover handles the bike; PA covers him.
Hawker breaks a wrist
A market trader slips and fractures her wrist, unable to work for three weeks. The daily disability benefit replaces her lost trading income and the medical reimbursement covers the casualty and follow-up costs — a few thousand shillings of cover standing in for weeks of earnings.
Accidental death of a young breadwinner
A freelancer dies in a road accident. The PA policy pays the full sum assured to his nominated next of kin, with a funeral advance released within days — a financial bridge for a family that had no group life or employer cover to fall back on.
Optional Benefits & Add-ons
Medical expenses extension (uplift the standard limit)
Ambulance and emergency evacuation
Funeral / last-expense rider
Hospital cash benefit per night admitted
Family or children add-on
Group / stage scheme administration
Availability varies by underwriter. Our advisors will confirm what is available on your chosen policy.
Frequently Asked Questions
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