• By Raymond Momanyi

How to File a WIBA or GPA Claim in Kenya as an Employer (2025 Guide)

When an employee gets injured or dies while at work, the employer is legally required to compensate them under the Work Injury Benefits Act (WIBA). Many responsible employers also extend coverage through a Group Personal Accident (GPA) policy, which protects workers 24 hours a day, even outside the workplace.
 
But when an accident happens — how do you actually file the claim and make sure your employees get compensated fast? Let’s break it down.
 

Step 1: Report the Incident Immediately

 
The first thing to do after an accident or injury is to report it immediately. Notify your insurer through your intermediary within 7 days of the incident. You’ll also need to fill out the DOSH Form 1 from the Directorate of Occupational Safety and Health Services and submit it to the nearest Labour Office if the injury is serious or fatal.
 
Delays in reporting often cause claim rejections, so the sooner you act, the smoother the process.
 

Step 2: Get a Medical Report and Treatment Evidence

 
Take the injured employee to an approved medical facility for examination and treatment. Request a medical report signed by the doctor, detailing the nature of injury, treatment received, recovery period, and medical costs. Get sick-off reports as well, if given.

Keep all original medical bills and receipts. These will be required when filing the claim and getting reimbursement.
 

Step 3: Gather All Supporting Documents

 
For a successful WIBA or GPA claim in Kenya, insurers will typically require the following: 

• Employer’s insurance policy number or certificate
• The employee’s appointment letter or contract
• Recent payslips to confirm earnings
• Completed DOSH Form 1 or Form 3 (depending on injury severity)
• Doctor’s report, sick-off sheets and all medical bills
• Witness statements or employer’s accident report
• Police abstract (if the accident involved a vehicle or assault case)

Make copies of everything and ensure all forms are properly signed and stamped.
  

Step 4: File the Claim Through Your Licensed Intermediary

 
Working with a licensed intermediary like Imana Insurance Agency Kenya Ltd https://imana.co.ke makes the process faster and smoother. They handle: 

• Documentation and claim filing with your insurer
• Regular follow-ups until compensation is approved
• Support during assessments or investigations
• Claim escalation if there’s any delay or dispute

Imana has deep experience managing WIBA, GPA, and Employee Benefits claims for companies across Kenya and East Africa. They also help employers compare quotes, manage renewals, and coordinate multiple policies under one portfolio — saving both time and cost.
 

Step 5: Track the Claim and Wait for Settlement

 
Once the insurer receives all documents, they’ll assess the case, verify liability, and calculate compensation. The payout depends on factors such as the employee’s salary, medical costs, and the extent of injury or disability.
 
For death cases, compensation is paid to the next of kin. For non-fatal injuries, medical expenses and disability benefits are reimbursed.
 
Imana’s claims management team ensures you’re updated at every stage — no silence, no guessing, just transparent tracking until the claim is settled.
 

Understanding WIBA vs GPA

 
WIBA is mandatory and covers accidents that occur during employment. It’s meant to protect employees while working or commuting for official duties.

GPA, on the other hand, is an optional but broader cover that protects employees anytime, anywhere. It’s especially useful for managers, field staff, and drivers who travel frequently.
 
Smart employers often combine the two — WIBA for compliance, GPA for extra protection.
 

Why Work with Imana Insurance Agency Kenya Ltd

 
Imana is a trusted insurance intermediary and claims partner offering: 

• Comparison of multiple WIBA and GPA quotes from top insurers like Pioneer, CIC, APA, Jubilee, Britam, AAR, Pacis, and First Assurance
• Claims follow-up and management from incident to payout
• Portfolio support for all your corporate insurance needs — WIBA, GPA, medical, fire, motor, marine, and liability
• Compliance advisory with Kenya’s labour and insurance laws

With Imana, you don’t just buy a policy — you gain a partner who ensures your people are protected and your business stays compliant.
  

📞 Contact Imana Insurance Kenya Today

 
📍 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi
 🌐 www.imana.co.ke | www.mykava.co.ke
📱 Call or WhatsApp: 0113619635 / 0745218460 / 0113806810 / 0796209402
💳 Pay via Lipa na M-Pesa — Paybill: 7596117 | Account: Your Name
   
WIBA claim Kenya, GPA claim Kenya, how to file WIBA claim, employer insurance Kenya, work injury benefits act, employee protection Kenya, insurance claims management, Imana Insurance Agency Kenya, corporate insurance Nairobi, employee accident cover Kenya
 
#WIBA #GPA #ImanaInsurance #EmployeeSafety #InsuranceKenya #BusinessProtection #ClaimsMadeEasy #MyKava #NairobiInsurance #CompareBuySave #CorporateCover #InsuranceExperts