IRA Class 18 · General
Personal Accident in Kenya
Lump-sum and weekly benefits for accidental death and injury under IRA Class 18.
What does Personal Accident cover?
Pays a lump sum for accidental death or permanent disability and weekly benefits for temporary disability, plus medical-expense reimbursement.
Who needs Personal Accident?
Individuals, families, sports clubs, schools and employers covering staff.
Examples of Personal Accident policies in Kenya
- Individual PA policy
- Group PA for staff
- Student/sports PA cover
Frequently asked questions
Does PA cover illness?
No - PA covers accidental events only. For illness cover you need medical insurance (Class 19).
Regulation
Personal Accident is licensed under Class 18 of the Insurance Act (Cap 487) and supervised by the Insurance Regulatory Authority (IRA). Only insurers holding a current Class 18 licence may underwrite this cover in Kenya.