Wiba Insurance
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WIBA Insurance
In Nairobi’s fast-paced work environment, employee safety isn’t just a responsibility it’s the law. At Imana, 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 or payslips
Safety committee or incident report – claim notification
Whether you’re a small business in Nairobi, a construction company in Mombasa, or a manufacturing plant in Kisumu, Imana Insurance helps you compare, buy, and save on the best WIBA, GPA, and Group Life insurance packages in Kenya.
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