WIBA

• Accidental Death Benefit: Pays up to 96 months' (8 years') earnings to named dependents if an employee suffers a fatal workplace injury or dies from a work-related illness.
• Permanent Total Disability (PTD): Pays up to 96 months' earnings (calculated as a percentage based on the official WIBA medical assessment schedule) if an accident leaves an employee permanently incapacitated.
• Temporary Total Disability (TTD): Reimburses actual weekly earnings (for up to 52 weeks) while an employee is temporarily unable to work due to job-related injury.
• Medical Expenses Limit: Reimburses up to KES 100,000 per employee for reasonably incurred medical, surgical, hospital, and emergency transit expenses.
• Funeral Expense Allowance: Direct payout of KES 30,000 per deceased employee to assist the family with immediate burial costs.

Optional Extension:

• WIBA Plus / Employer's Liability24/7 Off-Duty Extension (WIBA Plus): Extends coverage beyond regular working hours to protect employees 24 hours a day, 365 days a year whether on duty, off duty, or engaging in personal activities.
• Common Law / Employer's Liability Extension: Shields employers against common-law negligence lawsuits brought by employees outside statutory WIBA awards.