Staff medical schemes
Employers can provide medical cover for staff and their dependants through a group scheme. We compare schemes across our insurer panel, help you set benefit levels by staff grade, and manage renewals and claims queries for you.
Group personal accident
Personal accident insurance provides financial compensation to the insured or their legal dependants in the event of death, permanent total disablement or temporary total disablement resulting from accidental, violent, external and visible events. It protects you both on and off duty, and can be arranged for an individual, a family or a group of employees.
What it compensates
- Death
- Permanent total disablement
- Permanent partial disablement
- Temporary disablement
- Medical expenses
Key features
- Ambulance assistance and local evacuation
- Last expense cover
- Hearing aids, optical and dental cover
- Rehabilitation and wheelchair assistance
- Minimal documentation and no medical tests
Common questions
How many employees do we need for a group scheme?
Requirements differ by insurer. Several insurers offer schemes for small teams, and we will compare the options for your staff numbers.
Can benefits differ between staff grades?
Yes. Most schemes allow different inpatient and outpatient limits by grade, and dependants can be included.
Does group personal accident replace WIBA?
No. WIBA covers your legal liability under the Work Injury Benefits Act. Group personal accident can extend protection to 24 hours, including time away from work.
Draft Answers to be reviewed by Ksembi.
