What Is ICEA LION’s Personal Accident Insurance

Our Personal Accident Insurance provides you with monetary compensation in the unfortunate event you suffer accidental injuries, disability or death. It also covers your medical expenses that arise as a direct result of this specific incident. As such, this insurance plan acts as a supplement to your life and medical insurance plans. The premium you pay depends on the cover you take out. Further, the compensation amount that you get can be calculated based on your earnings or a specified pre-agreed amount. This cover applies regardless of the location the accident happens.

Group Personal Accident in turn provides compensation to a group such as a family, employees, “chamas”, learning institutions, SMEs or any other group of people with a common interest.

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 This cover can supplement your existing medical insurance so long as the costs are related to this specific incident. If you do not have medical insurance, then the personal accident covers kicks in in its place.

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What are the Key Features of ICEA LION’s Personal Accident Insurance?

Accidental Death:

We will pay your nominated beneficiaries the pre-agreed amount or the agreed multiple of your salary for your loss of life as a result of the accident or incident.

Permanent Disability:

We will pay you or your nominated beneficiaries a certain percentage of the pre-agreed amount or the agreed multiple of your salary for permanent disability as a result of the accident or incident.

Weekly Payment (Temporary Total Disability):

This benefit pays you weekly payments if you suffer an accident that limits your capacity to perform your job duties. This payment is for a temporary period until you fully recover. The maximum period of compensation is limited to 104 weeks.

Medical Expenses:

As a direct result of this incident, we will reimburse you for the medical costs – including optical and dental – that you will incur. This is available up to a certain limit.

Emergency Evacuation:

We will cover any expenses related to evacuating you to seek medical assistance as a result of the incident.

Assistive Devices:

We will cover the costs related to acquiring crutches, hearing aids and prosthetics and other devices, required for your rehabilitation.

Repatriation Costs:

In the unfortunate event of your demise, we will cover the cost of returning your remains to your place or residence.

Funeral Expenses:

We will pay your nominated beneficiaries the pre-agreed amount for your unfortunate loss of life as a result of the accident or incident to assist in settling your funeral costs.

Learn more About Personal Accident

Visit our Knowledge base to get comprehensive information on ICEA LION’s Personal Accident Insurance

ICEA LION Personal Accident Insurance Rating Guide

**** NB: The Annual Premium row shows the amount of money to pay in order to cover the listed benefits in every column.

Benefits per
Person

Option A White

Option B Blue

Option C Orange

Option D Bronze

Option E Silver (KES)

Option F Gold (KES)

What Other Types Of Personal Accident Insurance Does ICEA LION Have?

1. Excelsior Personal Accident Insurance

Our Excelsior Personal Accident cover is an enhancement of our standard Personal Accident Insurance outlined above. In addition to covering your medical expenses, we offer generous disability benefits such as cover for various artificial or medical appliances such as wheelchairs and hearing aids, dental and optical cover, as well as local evacuation expenses.

Excelsior Personal Accident Insurance Rating Guide

**** NB: The Annual Premium row shows the amount of money to pay in order to cover the listed benefits in every column.

Benefits per
Person

Option A White

Option B Blue

Option C Orange

Option D Bronze

Option E Silver (KES)

Option F Gold (KES)

2. ICEA LION Student’s Personal Accident Insurance

Our ICEA LION Student’s Personal Accident insurance covers pupils and students, from kindergarten to university. This cover is also suitable for students who require insurance cover during their internship/attachment period at organizations as they finalize their higher education. The benefits include accidental death, permanent total disability, medical expenses as a result of an injury as well as purchase of artificial or medical appliances such as wheelchairs, hearing aids.

Student Personal Accident Insurance Rating Guide (Period of cover is 4 months)

Individual Benefits

Requirements

  1.  Complete Personal Accident Proposal Form
  2. Copy of ID/Passport

Upon receipt of full premium, a cover confirmation is issued immediately! 

3. ICEA LION Family Personal Accident Insurance

Our ICEA LION Family Personal Accident insurance offers similar benefits to our Excelsior Personal Accident Insurance outlined above but is tailor made to suit your family. A family in this case includes parents, biological children and other dependants such as domestic employees living or residing in your household.

Family Personal Accident Insurance Rating Guide

**** NB: The Annual Premium row shows the amount of money to pay in order to cover the listed benefits in every column.

Benefits per Person

STANDARD POLICY

Option A White

Option B Blue

Option C Orange

STANDARD POLICY

Option D Bronze

Option E Silver

Option F Gold

4. ICEA LION's Group Personal Accident (GPA) Insurance

We also offer ICEA LION’s Group Personal Accident Insurance, commonly referred to as GPA. Its benefits are similar to the Standard Personal Accident Insurance, only that the GPA covers are designed to accommodate Groups of people such as employees, students, associations and so on. Group Personal Accident Insurance can also be bundled up with Work Injury Benefits Act (WIBA) insurance, a compulsory government employee compensation cover that employers take out for all their employees. Bundling up WIBA with GPA allows an employer to provide cover for employees for both work and non-work related accidents and incidents. The WIBA part of the cover would come into effect only if the injury is work related and as per the Work Injuries Benefits Act, WIBA 2007 set limits. The Group Personal Accident part of the cover responds to non-work related accidents. Our Group Personal Accident is quoted based on your group’s specific needs so we would need to engage in order to effectively guide you on the ideal insurance mix for your Group.

What Other Types Insurance Does ICEA LION Have?

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