Personal Accident insurance is an annual policy which provides compensation in the event of injuries, disability or death caused solely by violent, accidental, external and visible events. With the best insurance company in kenya you are assured of quality and best accident insurance.
The benefits include:
Weekly payment – Pays a weekly income for the period you are out of work as a result of injury from an accident.
Medical Expenses – Pays for medical expenses that arise from treating you after an accident including dental and optical expenses.
Emergency Evacuation – Covers emergency medical evacuation expenses.
Pay for the cost of artificial appliances that arise from an accident such as crutches, hearing aid and prosthetics.
Permanent Disability – in the event of permanent disability caused by an accident, the insurance pays for a pre-determined percentage of the insured amount or a pre-determined multiple of salary.
Accidental Death – In the event that life is lost due to an accident, the insurance will pay the total insured amount or a pre-determined multiple of salary.
Personal accident policy works as a supplement to life and Health insurance covers. To protect you and your family in the event of an accident that renders you unable to generate income or worse, causes your death. This is why it’s a good idea to have personal accident insurance.
This involves the premium rates that are brokered to us to the market. Our team of professionals checks all premium calculations from Insurers and the person handling your account verifies each aspect before advising you the client. This saves the client time and inconvenience in checking and querying incorrect figures.
A register of Insurance is provided to clients, which gives brief details of what each policy covers and on what basis the Insurance has been arranged. The register helps in saving time on referring back to the policy documents to know what is been covered. The client updates the register semi-annually as deemed necessary.
This ensures that clients have personal service at all times, and only one account handler will be their main contact. We will at the time of appointment, introduce a senior member of our team who will be responsible for all your Insurance needs, and who will be on call at any time to deal with any problems that may arise.
An insurer is obligated to fulfill any claims that are filed by the insured. The process involves multiple and administrative and customer service levels including review, investigation, any adjustments as well as the remittance or denial of the claim.
We have the knowledge in handling all your claims to conclusion and to your satisfaction. In the event of a claim we will provide all the necessary assistance including documentation and advice. We also endeavor to monitor and check clients’ claims for any patterns that may be prejudicial to clients’ interests.
As per the Insurance Act, Policies are renewable annually, thus as an added advantage, we review a client’s Insurance program to ensure that they enjoy the benefit for any changes in the Insurance market. We usually arrange renewal meetings before due dates and discuss with clients any changes they may wish to make
A policy document is provided to clients, which gives brief details of what each policy covers and on what basis the Insurance has been arranged.
The document helps in saving time on referring back to the insurer to know what each policy clause entails. It is important that each client has a policy document as a reference point in future.
Whatis.com defines Risk management as the process of identifying, assessing and controlling threats to an organization’s capital and earnings. These threats, or risks, could stem from a wide variety of sources, including financial uncertainty, legal liabilities, strategic management errors, accidents and natural disasters.
