An accident can be defined as that incident which causes unintentional injury, is an undesirable, incidental and unplanned that could have been prevented had circumstances leading up to the accident been recognized, and acted upon, prior to its occurrence.

At Unaitas, we understand that sometimes accidents could occur that could cause you bodily injury, financial loss or death.

That is why we have come up with the Personal Accident Cover which is an annual policy which provides compensation in the event of injuries, disability or death caused solely by violent, accidental, external and visible events.

It is different from life insurance and medical & health insurance.



How it works: If you were to take Option C, Sum Assured of Kshs. 500,000.00 the benefits will be payable as follows:

  1.  Accidental Death Benefit:

    The Company will pay the principal sum if injury results in loss of an insured life i.e. Kshs. 500,000/- irrespective of the stay on cover since the member signed up.

    Such a loss will have occurred as a result of an accident.

    The cause of death will be independent of all causes and directly as a result of an accident.

  2.  Permanent Total Disability Benefit:

    If the accident results in permanent disability of the member, the insurer will pay the member the sum assured for the loss incurred i.e. Kshs. 400,000/-.

    In case of partial disability of the member, the insurer will pay the member a percentage of the sum assured as per the Global PA scale.

  3.  Accidental Medical Expenses Reimbursement Benefit:

    This will be paid if an injury after an accident results in the need to seek medical treatment within 90 days after the date of the accident.

    The benefit works on reimbursement where the member will provide us with the original medical bill receipts and a treatment summary from the attending doctor/hospital and await reimbursement.

    The max medical reimbursement will be Kshs. 75,000/-.

  4.  Funeral Cover:

    Funeral expenses shall become payable upon proof of death of the insured from accidental causes.

    Claims are payable within 48 hours after receipt of full documentation by the insurer. This documentation will include the funeral permit from official sources.

    The money will be released to the appointed beneficiary.

    The benefit payable will be Kshs. 75,000/-.

  5.  Political Violence & Terrorism:

    The cover has an inbuilt package for political violence incidents and terrorism cover.

    We have looked at the member’s life in all instances.

For all these benefits, the premium payable per annum will be Kshs. 950/- per annum.  Should I choose to pay monthly, my premium will be Kshs. 103/-.

To insure a spouse, the premium charged will be Kshs. 1,900/- per annum or Kshs. 206/- per month.

Policy requirements:

  1. Completed application form
  2. Copy of ID of member
  3. Copy of the PIN of the policy holder
  4. Premium payment to Unaitas
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