Work Injury Benefits Act (WIBA) Cover

WIBA Insurance is a mandatory policy that all employers are legally required to maintain, ensuring employee protection under Kenya’s Work Injury Benefits Act.

It offers coverage for employees who suffer injuries, disability, or death arising from workplace incidents or duties performed in the course of employment.

The policy provides compensation for work-related accidents and occupational risks—excluding incidents resulting from intentional or reckless misconduct by the employee.

range of coverage

Lost Wages Benefit

Compensates for the employee's lost income if they are temporarily unable to work due to a work-related injury.

Medical Expense Reimbursement

Covers reasonable medical costs incurred for treatment following a work-related injury or illness.

Temporary Disablement Benefit

Compensation provided when an employee is temporarily unable to perform their job due to total or partial disablement caused by an accident.

Death Benefit

Paid to the beneficiaries in the event of the employee’s death resulting from a work-related injury.

Rehabilitation Expenses

Covers the cost of rehabilitation services, including therapy or retraining, required for the employee to return to work.

Permanent Disablement Benefit

Provides compensation for long-term disability if an employee is permanently disabled due to a work-related injury.

Funeral Assistance

Covers the reasonable expenses for the funeral of an employee who passes away due to a work-related incident.

Dependents’ Benefit

Provides ongoing financial support to the employee’s dependents in the event of the employee’s permanent disability or death due to a work-related incident.

Causes of Damage Covered

Emergency Medical Costs - Covers immediate treatment expenses like ambulance and hospitalization.
Commuting Accidents - Includes injuries sustained while traveling directly to or from work.
No-Fault - Compensation - Employees are compensated without needing to prove employer negligence.
Workplace Injuries & Illnesses - Covers injuries or diseases arising during the course of employment.

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