Personal Accident Insurance in Kenya
Price range: KSh 550 through KSh 66,900
| Benefit | Limit |
|---|---|
| Accidental death | KES 50,000 |
| Accidental dismemberment | KES 50,000 |
| Accidental medical expense reimbursement | KES 50,000 |
| Cost of artificial appliances due to accidental loss | KES 20,000 |
| Dental treatment due to accidental injuries | KES 10,000 |
| Funeral expenses (accidental death) | KES 20,000 |
| Tuition reimbursement (accidental injuries) | KES 50,000 |
| Daily expense | KES 500 |
| Benefit | Limit |
|---|---|
| Accidental death | KES 1,200,000 |
| Accidental permanent total disablement | KES 1,200,000 |
| Hospital cash | KES 3,000 |
| Accidental temporary total disablement (loss of income) per week max 104 weeks | KES 11,000 |
| Accidental medical expense | KES 110,000 |
| Artificial appliance (accidental loss) | KES 15,000 |
| Funeral expenses (accidental death) | KES 20,000 |
| Benefit | Limit |
|---|---|
| Accidental death | KES 2,400,000 |
| Accidental permanent total disablement | KES 2,400,000 |
| Hospital cash | KES 5,000 |
| Accidental temporary total disablement (loss of income) per week max 104 weeks | KES 15,000 |
| Accidental medical expense | KES 210,000 |
| Artificial appliance (accidental loss) | KES 20,000 |
| Funeral expenses (accidental death) | KES 30,000 |
| Benefit | Limit |
|---|---|
| Accidental death | KES 4,800,000 |
| Accidental permanent total disablement | KES 4,800,000 |
| Hospital cash | KES 8,000 |
| Accidental temporary total disablement (loss of income) per week max 104 weeks | KES 20,000 |
| Accidental medical expense | KES 260,000 |
| Artificial appliance (accidental loss) | KES 25,000 |
| Funeral expenses (accidental death) | KES 40,000 |
| Benefit | Limit |
|---|---|
| Accidental death | KES 8,000,000 |
| Accidental permanent total disablement | KES 8,000,000 |
| Hospital cash | KES 10,000 |
| Accidental temporary total disablement (loss of income) per week max 104 weeks | KES 25,000 |
| Accidental medical expense | KES 300,000 |
| Artificial appliance (accidental loss) | KES 35,000 |
| Funeral expenses (accidental death) | KES 50,000 |
| Benefit | Limit |
|---|---|
| Accidental death | KES 12,000,000 |
| Accidental permanent total disablement | KES 12,000,000 |
| Hospital cash | KES 12,000 |
| Accidental temporary total disablement (loss of income) per week max 104 weeks | KES 30,000 |
| Accidental medical expense | KES 400,000 |
| Artificial appliance (accidental loss) | KES 50,000 |
| Funeral expenses (accidental death) | KES 60,000 |
Step 1: Your Details
Step 2: Coverage
Protect Yourself and Your Loved Ones from Life’s Unexpected Accidents
Accidents can happen at any time — at work, home, or on the road — and the financial impact can be devastating.
With Divani’s Personal Accident Insurance, you get comprehensive financial protection against accidental injuries, disabilities, and death.
We partner with top insurance companies in Kenya to offer affordable and reliable personal accident cover for both individuals and students.
Why Choose Divani Insurance
-
Covers both individuals and students
-
Partnered with leading insurers in Kenya
-
Easy online purchase process — takes only minutes
-
Secure document upload (KRA PIN & ID/Passport) after checkout
-
Receive your policy schedule by email for completion and record
How It Works
-
Select your package (Student or Units I–V).
-
Complete your purchase securely online.
-
Upload your KRA PIN and ID/Passport on the confirmation page.
-
Receive your policy schedule by email and fill in your personal details.
It’s that simple — instant protection, no paperwork hassles.
Who Can Buy
-
Salaried and self-employed individuals
-
Business owners
-
Students in primary, secondary, or university
-
Anyone who wants peace of mind knowing they’re protected financially
Get Covered Today
Accidents can’t be predicted — but you can prepare for them.
Buy your Personal Accident Insurance online from Divani Insurance Agency today — fast, secure, and affordable protection for you and your loved ones.
You may also like…
