ICEA LION EXCELSIOR Y PERSONAL ACCIDENT INSURANCE 

What Is ICEA LION’s Excelsior Personal Accident Insurance?

ICEA LION’s Excelsior Personal Accident Insurance provides you with monetary compensation in the unfortunate event you suffer accidental injuries, disability or death.  It is an enhancement of our Standard Personal Accident Insurance that meets only the medical expenses. Our Excelsior Personal Accident Insurance, in addition to meeting your medical expenses that arise as a direct result of this specific incident, offers generous disability benefits such as cover for various artificial or medical appliances such as wheel chairs and hearing aids, dental and optical cover, as well as local evacuation expenses. 

As such, this insurance acts as a supplement to your life and medical insurance. The premium you pay is dependent on the sort of cover you wish to take out. Further, the amount you are compensated can be calculated based on your earnings or based on a specified pre-agreed amount. This cover applies to you even if the accident happens anywhere in the world. 

You can also take out Group Personal Accident in turn provides compensation to a group of people, such as a family, employees, “chamas”, learning institutions, SMEs or any other group of people with common interest. Click here for us to engage you on the options available for your Group.

What are the Key Features of ICEA LION’s Excelsior 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 your or nominated beneficiary 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. 

What Else Should I Know About ICEA LION’s Excelsior Personal Accident Insurance?

  • Excelsior Personal Accident Insurance is separate from your medical insurance: The medical cover linked to this insurance, is specific to the accident for which you made the claim. It does not meet the costs associated with any other illnesses or ailments you may be suffering from at the time. It is important to note that 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.
  • High risk activities: We will unfortunately not be able to honour your claim, if the accident occurred as a result of any of the activities listed as high risk and specifically excluded in your policy document. Such activities include woodworking machinery; racing on horseback or on wheels, winter sports; mountaineering necessitating the use of ropes or guides, skydiving or any other sports or pastimes involving exceptional risk of accident. However, you can be able to buy special coverage for these activities. Please talk to us on the contacts provided below to find out more.
  • Air travel employees: If you work in Air Travel and are unfortunately involved in an aviation accident while on duty, your personal accident cover will not apply. Ordinarily, you are covered by your aviation employer for such occurrences. 
  • Pre-existing physical or mental conditions: We will unfortunately not be able to honour any claims related to pre-existing physical and mental conditions
  • Your childbirth or pregnancy: In the unfortunate event that complications arise with regards to your pregnancy or childbirth, as a result of the accident, we will unfortunately not be able to honour the claim
  • Wilful exposure to needless peril/suicide: Should you wilfully expose yourself to needless risk or peril (except in the attempt to save human life), or attempt to or actually commit suicide, we will unfortunately not honour the claim.
  • Insanity: In the unfortunate event you sustain bodily injury as a direct result of being insane, we will not be able to honour the claim. 
  • War, terrorism & related risks: We will unfortunately be unable to honour claims related to acts of terrorism, political unrest, invasion and acts of foreign enemies, hostilities (whether war has been declared or not), civil war, rebellion, revolution, insurrection or coup-d’etats.  Nonetheless, this cover can be purchased at an additional premium. Please talk to us on the contacts provided below to find out more.

What Are The Costs For ICEA LION’s Excelsior Personal Accident Insurance?

Alternative Team: Note we will design our schedule to looks similar to this one: See the specific ICEA LION rates further below. This one is purely for guidance.

ICEA LION’s are below:

ICEA LION Excelsior Personal Accident Rating Guide

The table below outlines our Excelsior Personal Accident Insurance rating guide:

EXCELSIOR PERSONAL ACCIDENT INSURANCE RATING GUIDE
Benefits per Person Option A White Option BBlue Option COrange Option DBronze Option ESilver Option FGold
1 Death   250,000 500,000   750,000 1,000,000 2,500,000 5,000,000
2 Permanent Total  Disablement      250,000 500,000 750,000 1,000,000 2,500,000 5,000,000

3

Temporary Total Disablement – Per week   

      2,500

    5,000

      7,500

  10,000
        15,000 
     20,000
4 Medical    Expenses     25,000   50,000     75,000   100,000   150,000   250,000
5 Last Expense     25,000   50,000     75,000   100.000   150,000   200,000

6

Artificial Appliances

    15,000

   25,000

    35,000

     50,000
       75,000
   100,000
7 Wheel Chair     15,000   25,000     35,000   50,000     75,000   100,000
8 Optical       2,500   5,000   7,500     10,000     12,500     15,000
9 Hearing Aids 2,500   5,000       7,500     10,000     12,500     15,000
10 Dental 2,500   5,000       7,500     10,000     12,500     15,000
11 Local Evacuation     15,000   25,000     35,000     25,000          50,000   100,000
Annual Premiums 2,426/=       4,284/=      5,781/=      6,886/=     10,979/= 15,715/=

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

  1. Personal (Standard) Accident Insurance 

Our ICEA LION Personal Accident Insurance covers your medical expenses that arise as a direct result of this specific incident. The premium you pay is dependent on the sort of cover you wish to take out. Further, the amount you are compensated can be calculated based on your earnings or based on a specified pre-agreed amount. This cover applies to you even if the accident happens anywhere in the world. The table below outlines our rating guide:

ICEA LION Personal (Standard) Accident Insurance Rating Guide


PERSONAL ACCIDENT INSURANCE RATING GUIDE
Benefits per Person
Option A White

Option BBlue

Option COrange

Option DBronze

Option ESilver

Option FGold
1 Death   250,000 500,000   750,000 1,000,000 2,500,000 5,000,000

2

Permanent Total  Disablement     
    250,000   500,000    750,000
1,000,000

2,500,000

5,000,000
3 Temporary Total Disablement – Per week   
      2,500

    5,000

      7,500

  10,000
        15,000 
     20,000
4 Medical    Expenses     25,000   50,000     75,000   100,000   150,000   250,000

5

Artificial Appliances

    15,000

   25,000

    35,000

     50,000
       75,000
   100,000
Annual Premiums 1,733/=       3,144/=      4,224/=      5,093/=     8,543/= 12,707/=
  1. 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.

ICEA LION Family Personal Accident Insurance Rating Guide

We can edit the content below to match the final consistent graphics across the website for all rating guides below:


FAMILY PERSONAL ACCIDENT INSURANCE RATING GUIDE


BENEFITS PER PERSON

STANDARD POLICY

PREMIUM POLICY

Option A White

Option BBlue

Option COrange

Option DBronze

Option ESilver

Option FGold
1 Death   250,000 500,000   750,000 1,000,000 2,500,000 5,000,000

2

Permanent Total  Disablement     
  250,000   500,000    750,000
1,000,000

2,500,000

5,000,000

3

Temporary Total Disablement – Per week   

      2,500

    5,000

      7,500

  10,000
        15,000 
     20,000
4 Medical    Expenses     25,000   50,000     75,000   100,000   150,000   250,000
5 Last Expense     25,000   50,000     75,000   100.000   150,000   200,000

6

Artificial Appliances

    15,000

   25,000

    35,000

     50,000
       75,000
   100,000
7 Wheel Chair         50,000     75,000   100,000
8 Optical           10,000     12,500     15,000
9 Hearing Aids           10,000     12,500     15,000
10 Dental           10,000     12,500     15,000
11 Local Evacuation           25,000          50,000   100,000
Premium Payable Couple       Standard Policy                     Premium Policy
4,128

7,488

10,185

12,28513,776

16,24318,312

29,35132,289
Couple +1   Standard Policy                       Premium Policy 5,573 9,605 13,774 16,17618,662 22,81126,351 38,67143,619
Couple+2   Standard Policy                       Premium Policy 7,034 11,777 17,402 20,42223,953 29,77134,798 48,83755,821
Couple+3   Standard Policy                       Premium Policy 8,641 14,202 21,392 25,10529,784 37,34743,956 60,04769,201
Couple+4    Standard Policy                       Premium Policy 10,249 16,628 25,383 29,78735,543 44,92453,114 71,25882,581
  1. 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 wheel chairs, hearing aids. The table below outlines our rating guide:

We can edit the content below to match the final consistent graphics across the website for all rating guides below:

ICEA LION Student Personal Accident Insurance Rating Guide

  1. ICEA LION Group Personal Accident (GPA)

We also offer ICEA LION’s Group Personal Accident Insurance, commonly referred to as GPA. The benefits of this insurance are similar to the Standard Personal Accident Insurance outlined above, 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, which is 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 usually 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. 

Now that you understand the basics of our ICEA LION’s Excelsior Personal Accident Insurance and would like to insure with us, click here to get a quote. If you would like to talk to us in person, you can call us on +254 719 071 999 or request a call back by clicking here.

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