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Think about the term Personal Accident Cover. What comes to your mind? If you assume that it is insurance only for those in ‘dangerous’ jobs, you might be surprised to learn that it applies to a much wider group.

In Kenya, most conversations around insurance often focus on vehicles and health, yet unexpected day-to-day incidents can instantly disrupt routines and place financial pressure on individuals and families.

Personal accident protection offers an affordable safety net by providing financial support in the event of injury, temporary or permanent disability, or accidental death, making it relevant to everyone, from students and informal workers to professionals and business owners.

If the topic is new to you, or if you are wondering how the cover is relevant to you, understanding its benefits may change how you think about everyday-life protection.

This cover provides relief to loved ones if the insured person dies as a result of an accident, ensuring they have financial support for funeral expenses and day-to-day needs at a very difficult time and ensuring family members are not left financially exposed.

This benefit acts as a safety net when an accident results in a disability that prevents a person from working or studying. Since disability can affect income and independence, compensation helps cushion the affected person from losing their financial stability.

When an accident leads to the permanent loss or loss of use of a body part, compensation under this benefit cushions the affected person against hardships such as limited job opportunities and reduced productivity particularly in physically demanding roles.

 Temporary Total Disability (Income Protection)

This benefit provides support when an accident prevents a person from working, but only for some time. It is especially important for casual workers, self-employed individuals and small business owners who rely on daily income. It allows you to focus on recovery instead of worrying about finances.

This covers hospitalisation, treatment and rehabilitation costs arising from an accident. It matters because accident-related medical bills can be sudden and costly, even for those with basic health insurance, helping reduce out-of-pocket expenses and allowing quicker access to care.

CIC Insurance Group offers flexible personal accident cover options designed to meet the needs of students, SMEs, SACCOs, organised groups, and employers. Contact CIC today and make protection part of your everyday life.

SMS:               22471

WhatsApp:      0703099000

Email: callc@cic.co.ke