Best Value Personal Accident Covers in Kenya (2025)

1. CIC Personal Accident Cover

Why it's great: Affordable, flexible limits, and well-known for paying out claims without drama.

• Annual Premium: From KES 1,000 (basic) to KES 5,000
• Accidental Death/Permanent Disability Cover: KES 500,000 – 1,000,000
• Hospital Cash Benefit: Up to KES 2,000 per day
• Extras: Optional funeral expense and artificial limb cover
• Good For: Matatu drivers, boda boda riders, private vehicle owners

📎 https://cic.co.ke

2. Britam Personal Accident Cover

Why it's great: They offer tiered packages, so you can scale your protection with your budget.

• Annual Premium: KES 1,500 – 6,000
• Accidental Death/Permanent Disability: KES 250,000 – 1,000,000
• Medical Reimbursement: Up to KES 100,000
• Extras: Optional school fees for dependents if you die
• Unique: Access to Britam Wellness App and telemedicine

📎 https://britam.com

3. Jubilee Personal Accident Cover

Why it's great: Long-standing reputation and a strong claims-paying record.

• Annual Premium: KES 2,000 – 5,500
• Coverage Limit: Up to KES 1,000,000 (disability or death)
• Medical Expenses: KES 100,000+
• Extras: Funeral cover, school fees, and even retrenchment benefit
• Add-on: Covers accidents outside driving, like at work or home

📎 https://jubileeinsurance.com/ke

4. Madison Personal Accident Cover

Why it's great: Offers very flexible group and individual options, ideal for boda bodas, chamas, or family units.

• Annual Premium: KES 1,200 – 4,800
• Coverage Limit: KES 500,000 – 2,000,000
• Extras: Wheelchair and prosthetic cover
• Claims: Easy mobile claim submission through agents

📎 https://madison.co.ke

5. APA Safari Personal Accident Cover

Why it's great: Targeted at travelers, adventurers, and anyone frequently on the move.

• Annual Premium: KES 2,000 – 6,000
• Accidental Death/Disability: Up to KES 1.5M
• Extras: Ambulance, hospital cash, and last expense benefit
• Ideal For: People doing long-distance travel, outdoor work, or high-risk activity

📎 https://www.apainsurance.org

6. Minet EduAfya (MOE Sponsored) — For Teachers and Students

If you’re a public school teacher or a student in a government school, you may already be covered under Minet through the Ministry of Education.

• Coverage: Personal accident, inpatient, and outpatient
• Premium: Covered by the government
• Claim Limit: Over KES 250,000 per incident
• Check Eligibility: https://collaborationkenya.minet.com

🔒 Bonus: Microinsurance Options on Mobile (Great for Low Budgets)

If you're on a tight budget or need instant mobile signup, try these:

A. Bima ya Jamii (UAP Old Mutual + Airtel/MTN)

• Premiums: From KES 50/month
• Accident Cover: Up to KES 250,000
• Signup: Via USSD code or mobile app

B. Linda Jamii by Britam (via M-TIBA)

• Medical + accident cover bundled
• Ideal for families with dependents

🧭 Final Thoughts

If you’re driving with third party insurance in Kenya, getting a Personal Accident Cover is not just wise—it’s essential. For the price of a lunch or two, you could be protecting yourself against crippling medical bills, income loss, and worse.

When choosing, don’t just pick the cheapest—look at:

• Claim limits
• What’s included (hospital cash, funeral cover, prosthetics)
• Ease of claims and mobile support

 Remember!

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