WIBA Insurance Kenya
Why is WIBA Cover Important
WIBA insurance offers comprehensive coverage for a range of work-related injuries and illnesses, including:
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- Partial or Fully Permanent Disability Benefits: Payments to employees who suffer partial or fully permanent disability disability due to work-related injuries.
- Death Benefits: Payments to the dependents of employees who die due to work-related accidents and occupational illnesses for up to a total sum equivalent to 8 years or 96 months of earnings.
- Rehabilitation Services: Assistance with physical or vocational rehabilitation to help injured employees return to work.
- Temporary disabilities: Compensation for Loss of Earnings: Compensation is equivalent to weekly earnings up to a maximum of 52 Weeks payable to an employer.
- Medical Expenses: Coverage for reasonable and necessary medical expenses incurred due to work-related accidents or illnesses, subject to policy limits.
- Funeral Expenses: Financial support to cover funeral costs for an employee’s death resulting from a work-related incident up to a specified limit.
Understanding WIBA Insurance Policy.
The Work Injury Benefits Act (WIBA) is a Kenyan law that mandates employers to provide insurance coverage for their employees against work-related injuries and illnesses. WIBA aims to protect the financial well-being of employees and their dependents in case of an accident or disease arising from their employment.
Benefits of WIBA Insurance for Your Organisation
- Peace of Mind: Knowing your employees are protected in the event of an injury or illness can alleviate stress and promote a positive work environment.
- Legal Compliance: WIBA insurance is a legal requirement for employers in Kenya, ensuring adherence to labour laws and regulations.
- Employee Morale: WIBA coverage demonstrates your commitment to employee welfare, boosting morale, and fostering loyalty.
How is the WIBA Calculation Done?
The premium for WIBA insurance is calculated based on various factors, including:
- Employee’s Salary: Coverage and settlement is done in multiples of salary, with the death benefit at 96 months salary.
- Nature of Work: The risk associated with the employee’s job will influence the premium.
- Industry: Certain industries, like construction or manufacturing, may have higher risk factors.
- Number of Employees:: The number of employees covered under the policy will affect the premium.
WIBA Insurance Cover Claim Process
Filing a WIBA claim involves the following steps
Seek Medical Attention
Obtain medical treatment from a qualified healthcare provider.
Report the Injury
Immediately notify your employer of the work-related injury or illness.
Provide Documentation
Submit necessary documents to your insurance provider, such as claim form and others as shown here.
File the WIBA Insurance Claim
Submit the completed claim form to your insurance company.
Processing and Payment
Your insurance provider will review the claim and process the payment accordingly.
Insure Your Work Today
Contact Us to Get WIBA Insurance Cover for Your Business
Interested in WIBA Insurance Cover
At Dawit Insurance Agency Limited, we specialize in taking care of your most valuable assets by offering a complete suite of risk solutions while keeping a keen eye on our promise.
Please contact us to learn more about WIBA insurance and how it can protect your employees. We are ready to assist you in finding the right coverage for your business.
Utumishi Coop Building, Mamlaka Rd, Off Nyerere rd.
0712 856 447
