Any person within the age from 16 to 65 and in good health can take out the Personal Accident Insurance. This insurance covers death, permanent disablement, body injury, loss of limbs, being unable to work in any occupation and medical expenses due to the accident. The insurance period ranges from 3 months, 6 months and 1 year. The maximum sum insured is Ks- 20,000,000.00 or USD- 200,000.00. The premium rate is 0.7%. The premium rate is 1% of the Sum Insured for Militarily Personnel Service, Policeman, Aircraft Crew, Electrical Personnel and other persons engaged in hazardous occupation. The stamp fees is Ks-100 per policy.
This insurance covers 100 % of the total Sum Insured for death and permanent total disablement, as per the benefit scale for injured persons and 3% to maximum 15% of the Sum Insured per week for medical expenses/being unable to work in any occupation.
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