• By Raymond Momanyi

Awinja’s Story: When a Personal Accident Cover Becomes a Lifeline

In the middle of Nairobi’s evening buzz, Awinja—a bright University of Nairobi student—was walking past Central Police Station, her bag slung over her shoulder, her mind full of campus thoughts and weekend plans. Out of nowhere, a matatu—speeding past traffic like it owned the road—hit her before she could make sense of what was happening.
 
The chaos that followed was instant. Screams. A screech. A thud.
 Within minutes, a Kenya Red Cross ambulance arrived and rushed her to Kenyatta National Hospital. The doctors worked fast. The diagnosis? Several bruises, a fractured right leg, and a permanent injury on her left leg that would need long-term support and rehabilitation.
  

🩺 Where SHA Helped — and Where Insurance Stepped In

 
Luckily, Awinja was covered under the government’s Social Health Authority (SHA), which took care of her immediate hospitalization and basic treatment. But SHA only covered the standard medical expenses.

That’s where her Personal Accident Cover from Pioneer Insurance, purchased through Imana Insurance Agency Kenya Ltd, stepped in.

She had paid just KSh 1,500 for a KSh 1 million personal accident policy—a decision she once made casually, but which turned out to be the smartest financial move of her student life.
  

💰 How Pioneer Insurance Will Handle the Claim

 
Under her Personal Accident (PA) cover, Awinja is entitled to compensation for accidental bodily injury, permanent disability, and hospitalization benefits. Here’s how it works in her case:
 

1. Temporary/Permanent Disability Benefit:
   Since Awinja sustained a permanent disability on her left leg, the insurer will calculate compensation as a percentage of the total cover value (KSh 1,000,000) based on the level of disability.
   For example, if the disability is assessed at 25%, she’ll be paid KSh 250,000 in compensation.
2. Medical Reimbursement (if applicable):
   If there were medical costs not fully covered by SHA—such as physiotherapy, crutches, or special medical aids—Pioneer Insurance may reimburse her up to the limit in the policy terms.
3. Claim Settlement Process via Imana Insurance:
   Imana Insurance Agency, as her intermediary, will help Awinja gather the required documents, fill in the claim forms correctly, and submit everything to Pioneer.
   They’ll also track the claim and ensure it’s processed promptly—because, in the real world, good intermediaries don’t just sell policies; they walk with clients through recovery.

📄 Documents Required for the Claim

 
To process the claim, Awinja will need to submit the following through Imana:
 

• Duly completed Personal Accident Claim Form
• Police Abstract from the station near the accident scene (Central Police Station)
• Medical Report detailing the nature and extent of injuries
• Hospital discharge summary
• Receipts for medical expenses incurred (if applicable)
• Copy of National ID or Student ID
• Accident statement (a short written account of what happened)
• Bank details for payment

Once all these documents are reviewed and verified, Pioneer Insurance will release the compensation directly to her.

🌈 How the Payout Changes Her Life

 
The compensation might not undo the accident, but it cushions Awinja’s new reality.
 With KSh 250,000+ in compensation, she can afford:
 

• Long-term physiotherapy and mobility aids
• A small business setup or part-time hustle while recovering
• Or simply, peace of mind knowing her financial future isn’t shattered by one careless driver

Insurance, at its best, doesn’t erase pain—it softens life’s hardest blows.
 
 💬 Insurance Wisdom: Insurance Isn’t for the Rich. It’s for the Wise.

 
Awinja’s story is a wake-up call.
 She didn’t buy her cover because she expected an accident—she bought it because life is unpredictable.
 
For only KSh 1,500, she bought protection worth KSh 1 million.
When tragedy came knocking, that small premium became her shield.
 

💼 Need a Personal Accident Cover?

 
Talk to Imana Insurance Agency Kenya Ltd, the trusted intermediary that helped Awinja get covered before disaster struck.
They’ll help you compare, buy, and save across trusted insurers in Kenya.

📍 4th Floor Krishna Centre, Woodvale Grove, Westlands, Nairobi
🌐 www.imana.co.ke | www.mykava.co.ke

📞 Call/WhatsApp: +254 796 209 402
💬 Email: insurance@imana.co.ke

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