+254 020 2100154 premiersure@gmail.com Nairobi, Kenya

WIBA (Work Injury Benefits Act) Cover

Legally mandated employee protection covering occupational accidents, illnesses, and related medical bills.

Statutory Cover

Comply with Kenyan Labor Laws

In Kenya, the Work Injury Benefits Act (WIBA) of 2007 requires all employers to have a valid insurance cover to compensate employees in case of injuries, sickness, or death arising out of work. If a worker gets injured, you are liable as the employer. WIBA insurance shields your business from heavy payouts and guarantees standard, legal support to your workforce.

WIBA Statutory Limits & Benefits

Accidental Death Benefit

Lump sum payment equivalent to 96 months (8 years) of the deceased worker's earnings, payable to direct dependents.

Permanent Total Disability

Lump sum payout up to 96 months of earnings, adjusted for the percentage of disability assessed by a medical practitioner.

Temporary Total Disability

Weekly compensation for lost wages (up to 104 weeks) while the employee is recovering and unable to work.

Medical & Funeral Expenses

Covers treatment bills up to KES 100,000 per employee, and KES 30,000 towards funeral logistics on death.

WIBA Plus vs. Standard WIBA

To offer comprehensive coverage, we also advise on **WIBA Plus**, which merges statutory WIBA with Group Personal Accident (GPA) benefits:

  • Standard WIBA: Only covers accidents occurring strictly during work hours and on business premises.
  • WIBA Plus (WIBA + GPA): Protects employees 24 hours a day, 7 days a week, anywhere in the world — covering off-duty accidents as well. Excellent tool for employee welfare and motivation.

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FAQs

WIBA Cover FAQs

Legal inquiries regarding casual employees, coverage limits, and audits.

Yes, under the WIBA Act, any worker employed by you, whether permanent, contract, or casual/temporary, must be covered. When declaring your wage bill, you must include the estimated earnings paid to casual staff during the policy period.

At the end of the 12-month policy year, the insurer requests a Wage Declaration Audit. If your actual payroll was higher, you pay an additional premium. If it was lower, you may receive a premium credit (subject to minimum premium rules). If you underdeclare wages during a claim, the insurer applies a "proportionate rule" and reduces your payout.

An injury must be reported to the employer within 24 hours. The employer must submit the claim to the insurer alongside the statutory DOSH (Directorate of Occupational Safety and Health) forms filled out by the attending doctor, police abstracts (if travel accident), salary slips, and treatment receipts.