• By Raymond Momanyi

WIBA Insurance in Kenya – Protecting Your Team, Securing Your Business

In Nairobi’s fast-paced work environment, employee safety isn’t just a responsibility — it’s the law. At Imana Insurance Agency Kenya Ltd, we help you stay compliant and protect your team with Work Injury Benefits Act (WIBA) Insurance — a must-have for every employer in Kenya.

What is WIBA Insurance?

The WIBA Policy provides compensation to employees who suffer injury, disability, or death arising out of and during the course of employment. It ensures that both the employer and employee are financially protected when workplace accidents happen — whether it’s at a construction site, office, factory, or during fieldwork.

This cover applies to:

• Permanent employees
• Contract and casual workers
• Temporary or seasonal staff

What’s Covered Under WIBA

• Accidental injury or death while on duty
• Medical expenses including hospitalization and treatment
• Compensation for temporary or permanent disability
• Funeral and last expense costs

WIBA coverage follows Kenya’s Work Injury Benefits Act 2007, making it a statutory requirement for all employers.

WIBA Plus (WIBA GPA) – Extended Protection

Employers who want 24-hour protection — even outside working hours — can upgrade to WIBA Plus or WIBA GPA (Group Personal Accident). This extension offers worldwide coverage, ensuring employees are protected whether they’re at work, home, or traveling.

WIBA GPA includes:

• Accidental death benefit
• Permanent or temporary total disability compensation
• Medical reimbursement for accidents
• Weekly indemnity for temporary disablement

Group Life Cover

Group Life Assurance provides a lump sum payment to an employee’s family if they pass away while in service. This gives their dependents financial stability during difficult times.

Benefits include:

• Death benefit payable to nominated beneficiaries
• 24-hour worldwide protection
• Optional Last Expense Cover for immediate funeral expenses

Medical and Last Expense Cover

To complete your employee welfare package, we also provide medical insurance and last expense (funeral) cover options alongside WIBA.

• Medical Cover: Access to quality healthcare for staff and dependents
• Last Expense Cover: Quick payout to cater for funeral and burial arrangements

Why Every Employer in Kenya Needs These Covers

• Legal compliance with Kenya’s Labour and WIBA regulations
• Protects both the employer and employee from unexpected financial burdens
• Boosts employee morale and retention
• Enhances your corporate reputation as a responsible, compliant business
• Affordable, flexible premiums for SMEs, corporates, and NGOs

WIBA Claim Requirements

To process a WIBA claim, the following documents are needed:

• Dosh 1 Form from the Ministry of Labour
• Original medical bills and receipts
• Doctor’s medical report
• Sick-off sheets approved by the employer
• Appointment letter
• Safety committee or incident report

Secure Your Business Today

Whether you’re a small business in Nairobi, a construction company in Mombasa, or a manufacturing plant in Kisumu, Imana Insurance Agency helps you compare, buy, and save on the best WIBA, GPA, and Group Life insurance packages in Kenya.

💬 Talk to us for a free quotation:
📞 0113619635 | 0745218460 | 0113806810
🌐 www.imana.co.ke | www.mykava.co.ke
📍 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi

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