WIBA Insurance provides protection for employers against financial obligations arising from employee injuries or fatalities that occur in the course of employment. This cover ensures that employees who suffer injuries, disabilities, or death while on duty are compensated according to the Work Injury Benefits Act. It relieves employers of the financial burden associated with these compensations, fostering a safer and more secure workplace.
Key Coverage Benefits:
• Death Benefit: Provides compensation equivalent to eight years of the deceased employee’s earnings, ensuring financial support for the dependents left behind.
• Permanent Total Disability: Covers employees who suffer the permanent loss of limbs, eyes, or other significant impairments, with compensation amounting to eight years of earnings, as determined by a labour officer.
• Weekly Benefits for Partial Disablement: Offers weekly payments for up to 104 weeks for employees who experience partial disablement, which prevents them from performing a significant portion of their usual work duties.
• Temporary Total Disablement: Compensates employees unable to work temporarily due to an accident, ensuring financial support during their recovery period.
• Accidental Medical Expenses: Covers actual medical expenses incurred due to workplace accidents, up to a limit of KES 100,000, reimbursed on an indemnity basis to alleviate the financial strain on injured employees.
WIBA Insurance is essential for protecting both employers and employees, ensuring that workplace injuries and fatalities are adequately compensated while promoting a safer working environment.