{"id":1002,"date":"2023-12-11T19:46:47","date_gmt":"2023-12-11T16:46:47","guid":{"rendered":"https:\/\/www.amssurity.co.ke\/blog\/?p=1002"},"modified":"2025-04-17T13:24:59","modified_gmt":"2025-04-17T10:24:59","slug":"10-to-know-about-wiba-insurance-in-kenya","status":"publish","type":"post","link":"https:\/\/www.amssurity.co.ke\/blog\/10-to-know-about-wiba-insurance-in-kenya\/","title":{"rendered":"Top 10 Things You Should Know About WIBA Insurance in Kenya"},"content":{"rendered":"\n<p>WIBA Insurance in Kenya is a mandatory insurance policy that every employer must have as per the <a href=\"http:\/\/kenyalaw.org\/kl\/fileadmin\/pdfdownloads\/Acts\/WorkInjuryBenefitsAct_Cap236No13of2007.pdf\" target=\"_blank\" rel=\"noopener\">Work Injury Benefits Act (WIBA) of 2007<\/a>.   The WIBA Act of 2007 requires that every employer even an employer of one, must compensate their employees following any injury or disease contracted during work or connected\/related activities.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69edfa9ab7bde\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69edfa9ab7bde\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.amssurity.co.ke\/blog\/10-to-know-about-wiba-insurance-in-kenya\/#What_is_Covered_by_WIBA\" >What is Covered by WIBA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.amssurity.co.ke\/blog\/10-to-know-about-wiba-insurance-in-kenya\/#How_is_WIBA_insurance_calculated\" >How is WIBA insurance calculated?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.amssurity.co.ke\/blog\/10-to-know-about-wiba-insurance-in-kenya\/#Who_benefits_from_WIBA\" >Who benefits from WIBA?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.amssurity.co.ke\/blog\/10-to-know-about-wiba-insurance-in-kenya\/#Why_get_WIBA_insurance\" >Why get WIBA insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.amssurity.co.ke\/blog\/10-to-know-about-wiba-insurance-in-kenya\/#Who_Pays_for_WIBA\" >Who Pays for WIBA?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.amssurity.co.ke\/blog\/10-to-know-about-wiba-insurance-in-kenya\/#What_is_the_difference_between_WIBA_and_GPA\" >What is the difference between WIBA and GPA?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.amssurity.co.ke\/blog\/10-to-know-about-wiba-insurance-in-kenya\/#What_are_the_different_types_of_GPA\" >What are the different types of GPA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.amssurity.co.ke\/blog\/10-to-know-about-wiba-insurance-in-kenya\/#Is_WIBA_insurance_a_legal_requirement_in_Kenya\" >Is WIBA insurance a legal requirement in Kenya?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.amssurity.co.ke\/blog\/10-to-know-about-wiba-insurance-in-kenya\/#What_does_WIBA_insurance_in_Kenya_not_Cover\" >What does WIBA insurance in Kenya not Cover?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_Covered_by_WIBA\"><\/span>What is Covered by WIBA?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>What are the benefits covered under WIBA Insurance in Kenya?<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Death benefits of 8-year salary<\/li>\n\n\n\n<li>Permanent total disability benefit of 8-year salary<\/li>\n\n\n\n<li>Temporary total disability benefit of up to 104 weeks<\/li>\n\n\n\n<li>Medical expenses minimum benefit being Ksh. 30,000 <\/li>\n\n\n\n<li>Occupational illnesses minimum as from Ksh. 4,000,0000<\/li>\n\n\n\n<li>Funeral expenses minimum benefit being Ksh. 30,000.<\/li>\n<\/ol>\n\n\n\n<p>These benefits under WIBA Insurance in Kenya are stipulated by the WIBA Act of 2007 and they can be negotiated for based on your requirements as an employer. Our older article on <a href=\"https:\/\/www.amssurity.co.ke\/blog\/6-benefits-of-wiba-insurance-in-kenya\/\">WIBA Insurance <\/a>discusses these benefits at length.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_is_WIBA_insurance_calculated\"><\/span>How is WIBA insurance calculated?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>WIBA Insurance in Kenya is calculated using the details below:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Gross annual salaries of the employees<\/li>\n\n\n\n<li>The nature of the job\/description and categories of the jobs within your organization<\/li>\n\n\n\n<li>The industry to which your business belongs.<\/li>\n<\/ol>\n\n\n\n<p>The reason the insurer or we will ask for the above details is because of risk and also the ability to establish benefits payable under your WIBA policy and the premium chargeable of the same.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/www.amssurity.co.ke\/wiba-insurance\/quote\" style=\"border-radius:10px;color:#004ab4;background-color:#ffd100\" target=\"_blank\" rel=\"noreferrer noopener\">GET A FREE WIBA INSURANCE QUOTE<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who_benefits_from_WIBA\"><\/span>Who benefits from WIBA?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>WIBA insurance in Kenya is made to provide compensation for your employees as they discharge their duties as assigned by you. Therefore, the benefits are paid to the employee. The reason why you would need WIBA insurance in Kenya is because:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"400\" src=\"https:\/\/www.amssurity.co.ke\/blog\/wp-content\/uploads\/2023\/12\/Blog-Images-_750-\u00d7-400-px_-_49_.webp\" alt=\"A smiling person using a computer to indicate a happy employee enjoying wiba insurance in kenya b\" class=\"wp-image-1020\" srcset=\"https:\/\/www.amssurity.co.ke\/blog\/wp-content\/uploads\/2023\/12\/Blog-Images-_750-\u00d7-400-px_-_49_.webp 750w, https:\/\/www.amssurity.co.ke\/blog\/wp-content\/uploads\/2023\/12\/Blog-Images-_750-\u00d7-400-px_-_49_-300x160.webp 300w, https:\/\/www.amssurity.co.ke\/blog\/wp-content\/uploads\/2023\/12\/Blog-Images-_750-\u00d7-400-px_-_49_-345x184.webp 345w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_get_WIBA_insurance\"><\/span>Why get WIBA insurance? <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The need for employers to get WIBA insurance in Kenya is as follows:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>To ensure compliance with the law and avoid penalties and paying higher damages in the event of work-related injuries<\/li>\n\n\n\n<li>Attract good employees<\/li>\n\n\n\n<li>Retain good employees <\/li>\n\n\n\n<li>Enhance and promote a healthy workforce<\/li>\n\n\n\n<li>Enhancing employee satisfaction<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who_Pays_for_WIBA\"><\/span>Who Pays for WIBA?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>WIBA Insurance in Kenya is paid for by the employer as stipulated by the WIBA Act. The premiums and costs associated with this type of insurance are tax-allowable business expenses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_difference_between_WIBA_and_GPA\"><\/span>What is the difference between WIBA and GPA?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>WIBA stands for Work Injury Benefits Act while GPA stands for Group Personal Accident Cover. The two covers provide for death and injury to employees. <\/p>\n\n\n\n<p>The combined insurance policy of WIBA and GPA is also called WIBA Plus and this option provides a 24-hour accident cover for employees whether at work or outside work.<\/p>\n\n\n\n<p>The difference between WIBA and Group Personal Accident is as below:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>WIBA<\/strong><\/th><th><strong>GPA<\/strong><\/th><\/tr><\/thead><tbody><tr><td>This is an occupational cover and is works only during working hours.<\/td><td>This is a non-occupational cover and is available 24 hours.<\/td><\/tr><tr><td>Provides coverage within the Kenyan borders.<\/td><td>Provides coverage worldwide<\/td><\/tr><tr><td>It is mandatory for all employers based WIBA Act of 2007.<\/td><td>This is an additional benefit to employees and optional for employers<\/td><\/tr><tr><td>Calculate based on the annual salaries of the employees.<\/td><td>Calculated based on the benefits an employer would need or as a percentage of the WIBA premiums.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_the_different_types_of_GPA\"><\/span>What are the different types of GPA?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>When GPA is taken together with WIBA to make it WIBA Plus, it is available in 3 types:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>3 Year Benefit means the after-work cover provides a 3-year annual benefit in the event of death and permanent disability at 25% of the WIBA premiums<\/li>\n\n\n\n<li>5 Year Benefit means the after-work cover provides 5 years of annual benefits in the event of death and permanent disability  at 30% of the WIBA premiums<\/li>\n\n\n\n<li>8 Year Benefit means the after-work cover provides 8 years of annual benefit in the event of death and permanent disability at 40% of the WIBA premiums<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_WIBA_insurance_a_legal_requirement_in_Kenya\"><\/span>Is WIBA insurance a legal requirement in Kenya?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Yes, WIBA Insurance is a legal requirement provided for by the WIBA Act 2007, which states that:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>An Act of Parliament to provide for compensation to employees for work-related injuries and diseases contracted in the course of their employment and for connected purposes.<\/p>\n<cite>http:\/\/kenyalaw.org\/<\/cite><\/blockquote>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_does_WIBA_insurance_in_Kenya_not_Cover\"><\/span>What does WIBA insurance in Kenya not Cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>What are some of the things not covered by your WIBA Insurance in Kenya?<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Claims arising from asbestos. Whether directly or indirectly exposure irrespective of the amount of exposure<\/li>\n\n\n\n<li>Computer general loss including but not limited to damage to computer property, legal liability of whatever nature, and consequential loss directly or indirectly caused by computer failure among others.<\/li>\n\n\n\n<li>Nuclear energy risk<\/li>\n\n\n\n<li>Accidents resulting from the use of drugs and alcohol abuse<\/li>\n\n\n\n<li>Does not cover claims arising from self-inflicted injury it suicide<\/li>\n\n\n\n<li>Claims arising from professional sports or mountaineering<\/li>\n\n\n\n<li>Claims arising from air travel unless as a fare-paying passenger<\/li>\n<\/ol>\n\n\n<div class=\"wpforms-container wpforms-container-full wpforms-block wpforms-block-ea41cf45-b8b8-4dd4-9133-838acfac5aec wpforms-render-modern\" id=\"wpforms-1057\"><form id=\"wpforms-form-1057\" class=\"wpforms-validate wpforms-form wpforms-ajax-form\" data-formid=\"1057\" method=\"post\" enctype=\"multipart\/form-data\" 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value=\"Travel insurance\" aria-errormessage=\"wpforms-1057-field_7_4-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1057-field_7_4\">Travel insurance<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"checkbox\" id=\"wpforms-1057-field_7_2\" name=\"wpforms[fields][7][]\" value=\"Property insurance\" aria-errormessage=\"wpforms-1057-field_7_2-error\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1057-field_7_2\">Property insurance<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-1057-field_14-container\" class=\"wpforms-field wpforms-field-date-time\" data-field-id=\"14\"><fieldset><legend class=\"wpforms-field-label\">Call Me On <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><div class=\"wpforms-field-row wpforms-field-large\"><div class=\"wpforms-field-row-block wpforms-date-type-datepicker\"><div class=\"wpforms-datepicker-wrap\"><input type=\"text\" id=\"wpforms-1057-field_14\" class=\"wpforms-field-date-time-date wpforms-datepicker wpforms-field-required\" data-date-format=\"m\/d\/Y\" data-limit-days=\"mon,tue,wed,thu,fri\" data-disable-past-dates=\"1\" data-disable-todays-date=\"0\" data-input=\"true\" name=\"wpforms[fields][14][date]\" aria-errormessage=\"wpforms-1057-field_14-error\" required><a title=\"Clear Date\" data-clear class=\"wpforms-datepicker-clear\" style=\"display:none;\"><\/a><\/div><label for=\"wpforms-1057-field_14\" class=\"wpforms-field-sublabel after\">Date<\/label><\/div><div class=\"wpforms-field-row-block\"><input type=\"text\" id=\"wpforms-1057-field_14-time\" class=\"wpforms-field-date-time-time wpforms-timepicker wpforms-field-required\" data-time-format=\"g:i A\" data-step=\"30\" data-rule-time12h=\"true\" data-min-time=\"09:00am\" data-max-time=\"05:00pm\" data-rule-time-limit=\"true\" name=\"wpforms[fields][14][time]\" aria-errormessage=\"wpforms-1057-field_14-time-error\" required><label for=\"wpforms-1057-field_14-time\" class=\"wpforms-field-sublabel after\">Time<\/label><\/div><\/div><\/fieldset><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-recaptcha-container wpforms-is-recaptcha wpforms-is-recaptcha-type-v3\" ><input type=\"hidden\" name=\"wpforms[recaptcha]\" value=\"\"><\/div><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"1057\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/1002\"><input type=\"hidden\" name=\"url_referer\" value=\"\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-1057\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Submit\" aria-live=\"assertive\" value=\"wpforms-submit\">Submit<\/button><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.amssurity.co.ke\/blog\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-submit-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\"><\/div><\/form><\/div>  <!-- .wpforms-container -->\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"WIBA Insurance in Kenya: Protect Your Employees (2024 Guide) \ud83c\uddf0\ud83c\uddea (#WIBAKenya)\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/LuoG_gkfKnI?start=2&#038;feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>WIBA Insurance in Kenya is a mandatory insurance policy that every employer must have as per the Work Injury Benefits [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":1011,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[49],"tags":[12,50,14,81,82,83],"class_list":["post-1002","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-insurance","tag-amssurity-insurance-agency","tag-business-insurance-in-kenya","tag-insurance-companies-in-kenya","tag-wiba-insurance","tag-wiba-insurance-in-kenya","tag-workers-compensation"],"modified_by":null,"_links":{"self":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/1002","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/comments?post=1002"}],"version-history":[{"count":0,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/1002\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/media\/1011"}],"wp:attachment":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/media?parent=1002"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/categories?post=1002"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/tags?post=1002"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}