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Personal Accident Insurance

Protect yourself and your loved ones from the unforeseen.

Nobody knows when or where an accident will happen, but a Personal Accident insurance cover can prepare you for it. Get total compensation if accidental death or disablement, so you can rest easy knowing that you and your family are taken care of with the right cover package.

An accident can happen to anyone at any time, so don’t wait until it’s too late. Get covered today and ensure that you and your loved ones are taken care of in the unfortunate event of an accident.

Learn more about our group personal accident insurance plan and secure your family’s future!

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Why should you have Personal Accident Cover?

Personal Accident is essential for a few reasons: 

  • You may choose personal accident cover to receive benefits if the Work Injury Benefits Act does not cover them.
  • Personal accident cover can provide benefits for medical emergencies that exceed insurance limits.
  • If someone dies in an accident, their family can be compensated through personal accident cover.
  • Personal accident cover can provide financial assistance if someone is temporarily disabled due to an accident.
  • Personal accident cover can assist with the cost if a person requires artificial appliances due to an accident.

What Are The Benefits?

Accidental Death (AD)

Pays lump sum benefits to the named beneficiaries in the event of covered accidental death to the insured person.

Accidental Dismemberment (AD)

Pays a benefit based on a schedule of dismemberment as stated in the policy. Benefits paid to the insured.

Permanent Total Disability (PTD)

Pays benefits to insured if, due to a covered accident, insured is permanently and totally disabled.

Temporary Total Disability(TTD/WAI)

Pays short term weekly benefits to the insured person for a limited period of time Limited period of payment usually 52/104 weeks.

Accidental Medical Reimbursement (AMEX/AMER)

Pays medical expenses due to an accident. Typically limited to those incurred within 52 weeks of incident.

What Get's Covered?

The plan covers all bodily injuries occurring at place of work, at home, at leisure times, or during sporting activities.

Road Accidents
Home Accidents (E.g Bathroom Fall)
Violent crimes
Armed robberies e.g. carjacking
Fracas, riots and strikes
Civil commotion among others


In the uneventful case where your firm suffers risk, this is what will happen

Dawit Insurance Agency

At Dawit, we differentiate ourselves by walking with you during the claiming process. We believe all legitimate claims need to be paid quickly and fairly. We’ll guide you through the required documentation. Notify us as soon as possible. Take pictures for proof.


In the event where you suffer risk please take medical action first. Remember to keep the records of your treatment. Notify the authorities if need be then notify us as well. It’s good for your next of kin to know about your cover in case you’re unable to take action. We’ll be with you throughout the entire process.

Be assured you're in safe hands. We have over 16 years of experience in the industry having won a multitude of awards from various insurance companies.

Agency Accolades

Let's Get You Covered

We'll work on something tailor-made for you at a friendly cost.

Interested in Personal Accident Insurance?

Accidents are not only numerous but also real and can happen to anyone at any time! The trouble starts when you lose sensitivity and ignore the warning just like a driver ignores the danger signals on his or her car. Likewise NOAH built the “ARK” (SAFINA) but many people ignored the warning until it started raining with only a few rescued. It could as well happen to you!!

At Dawit Insurance Agency Limited, we specialize in taking care of business owners’ most valuable assets by offering a complete suite of risk solutions while keeping a keen eye on our promise.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate home insurance solution. There’s no obligation, just good-old-fashioned advice.

Utumishi Coop Building, Mamlaka Rd, Off Nyerere rd.
0712 856 447
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