{"id":642,"date":"2022-09-08T19:45:57","date_gmt":"2022-09-08T16:45:57","guid":{"rendered":"https:\/\/www.amssurity.co.ke\/blog\/?p=642"},"modified":"2025-06-16T20:57:56","modified_gmt":"2025-06-16T17:57:56","slug":"6-benefits-of-wiba-insurance-in-kenya","status":"publish","type":"post","link":"https:\/\/www.amssurity.co.ke\/blog\/6-benefits-of-wiba-insurance-in-kenya\/","title":{"rendered":"6 Awesome Benefits of WIBA Insurance in Kenya(2025 Update)"},"content":{"rendered":"\n<p>The Work Injury Benefits Act Insurance (WIBA) is a requirement for every employer in Kenya, as outlined in the Work Injury Benefits Act of 2007. During the financial year 2024\/25, the <a href=\"https:\/\/www.doshmis.go.ke\/\" data-type=\"link\" data-id=\"https:\/\/www.doshmis.go.ke\/\" target=\"_blank\" rel=\"noopener\">Department of Occupational Safety and Health (DOSH)<\/a> reported 9,159 notifications of workplace injuries, highlighting the significant impact these incidents can have. Here\u2019s why having a solid WIBA insurance policy is crucial for your business in 2025.<\/p>\n\n\n\n<p><\/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-69edba17aef05\" 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-69edba17aef05\"  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\/6-benefits-of-wiba-insurance-in-kenya\/#Quick_WIBA_Insurance_In_Kenya_Benefits_Summary_Table\" >Quick WIBA Insurance In Kenya Benefits Summary Table<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.amssurity.co.ke\/blog\/6-benefits-of-wiba-insurance-in-kenya\/#Protect_Your_Team\" >Protect Your Team<\/a><\/li><\/ul><\/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\/6-benefits-of-wiba-insurance-in-kenya\/#Benefits_of_WIBA_Insurance_in_Kenya\" >Benefits of WIBA Insurance in Kenya<\/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\/6-benefits-of-wiba-insurance-in-kenya\/#1_Statutory_Compliance_Penalty_Avoidance\" >1. Statutory Compliance &amp; Penalty Avoidance<\/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\/6-benefits-of-wiba-insurance-in-kenya\/#2_Comprehensive_Medical_Expense_Cover\" >2. Comprehensive Medical Expense Cover<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.amssurity.co.ke\/blog\/6-benefits-of-wiba-insurance-in-kenya\/#3_Lump-Sum_Disability_Death_Benefits\" >3. Lump-Sum Disability &amp; Death Benefits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.amssurity.co.ke\/blog\/6-benefits-of-wiba-insurance-in-kenya\/#4_Funeral_Survivor_Support\" >4. Funeral &amp; Survivor Support<\/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\/6-benefits-of-wiba-insurance-in-kenya\/#5_Promotes_a_Safer_Workplace\" >5. Promotes a Safer Workplace<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.amssurity.co.ke\/blog\/6-benefits-of-wiba-insurance-in-kenya\/#6_Predictable_Risk_Management_Cost_Control\" >6. Predictable Risk Management &amp; Cost Control<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.amssurity.co.ke\/blog\/6-benefits-of-wiba-insurance-in-kenya\/#How_to_Calculate_Your_WIBA_Insurance_in_Kenya_Premiums\" >How to Calculate Your WIBA Insurance in Kenya Premiums<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.amssurity.co.ke\/blog\/6-benefits-of-wiba-insurance-in-kenya\/#Mini_Case_Studies_WIBA_in_Action\" >Mini Case Studies: WIBA in Action<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.amssurity.co.ke\/blog\/6-benefits-of-wiba-insurance-in-kenya\/#Join_500_Kenyan_Firms\" >Join 500+ Kenyan Firms<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.amssurity.co.ke\/blog\/6-benefits-of-wiba-insurance-in-kenya\/#Step-by-Step_Guide_to_Filing_a_WIBA_Insurance_Claim\" >Step-by-Step Guide to Filing a WIBA Insurance Claim<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.amssurity.co.ke\/blog\/6-benefits-of-wiba-insurance-in-kenya\/#What_are_the_documents_needed_to_file_a_WIBA_Insurance_claim_in_Kenya\" >What are the documents needed to file a WIBA Insurance claim in Kenya?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.amssurity.co.ke\/blog\/6-benefits-of-wiba-insurance-in-kenya\/#Benefits_Paid_Out_Under_WIBA\" >Benefits Paid Out Under WIBA<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.amssurity.co.ke\/blog\/6-benefits-of-wiba-insurance-in-kenya\/#Frequently_Asked_Questions\" >Frequently Asked Questions.<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.amssurity.co.ke\/blog\/6-benefits-of-wiba-insurance-in-kenya\/#What_is_WIBA_Insurance\" >What is WIBA Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.amssurity.co.ke\/blog\/6-benefits-of-wiba-insurance-in-kenya\/#How_much_is_the_WIBA_Insurance\" >How much is the WIBA Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.amssurity.co.ke\/blog\/6-benefits-of-wiba-insurance-in-kenya\/#How_does_WIBA_protect_my_employees\" >How does WIBA protect my employees?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.amssurity.co.ke\/blog\/6-benefits-of-wiba-insurance-in-kenya\/#Does_WIBA_boost_workplace_safety\" >Does WIBA boost workplace safety?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.amssurity.co.ke\/blog\/6-benefits-of-wiba-insurance-in-kenya\/#Can_dependents_claim_if_an_employee_dies\" >Can dependents claim if an employee dies?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.amssurity.co.ke\/blog\/6-benefits-of-wiba-insurance-in-kenya\/#Is_WIBA_cheaper_than_self-insuring\" >Is WIBA cheaper than self-insuring?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.amssurity.co.ke\/blog\/6-benefits-of-wiba-insurance-in-kenya\/#Will_premiums_go_up_after_multiple_claims\" >Will premiums go up after multiple claims?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.amssurity.co.ke\/blog\/6-benefits-of-wiba-insurance-in-kenya\/#Get_Your_Free_WIBA_Insurance_Quote\" >Get Your Free WIBA Insurance Quote<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.amssurity.co.ke\/blog\/6-benefits-of-wiba-insurance-in-kenya\/#Still_Unsure\" >Still Unsure?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quick_WIBA_Insurance_In_Kenya_Benefits_Summary_Table\"><\/span><strong>Quick WIBA Insurance In Kenya Benefits Summary Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<style>\n  .wiba-benefits-table {\n    width: 100%;\n    border-collapse: collapse;\n    font-family: sans-serif;\n    font-size: 16px;\n    border: 1px solid #ccc;\n  }\n\n  .wiba-benefits-table th,\n  .wiba-benefits-table td {\n    padding: 12px 16px;\n    border: 1px solid #ccc;\n    text-align: left;\n  }\n\n  .wiba-benefits-table thead th {\n    background-color: #004AB4;\n    color: #ffffff;\n    font-weight: 600;\n  }\n\n  @media screen and (max-width: 768px) {\n    .wiba-benefits-table {\n      display: block;\n      border: none;\n    }\n\n    .wiba-benefits-table thead {\n      display: none;\n    }\n\n    .wiba-benefits-table tbody {\n      display: block;\n    }\n\n    .wiba-benefits-table tr {\n      display: block;\n      margin-bottom: 1.2em;\n      border: 1px solid #ccc;\n      border-radius: 6px;\n      box-shadow: 0 2px 4px rgba(0,0,0,0.05);\n      padding: 10px;\n      background: #fff;\n    }\n\n    .wiba-benefits-table td {\n      display: block;\n      padding: 8px 12px;\n      text-align: left;\n      border: none;\n      border-bottom: 1px solid #eee;\n      font-size: 14px;\n    }\n\n    .wiba-benefits-table td::before {\n      content: attr(data-label);\n      font-weight: 600;\n      display: block;\n      color: #004AB4;\n      margin-bottom: 4px;\n    }\n\n    .wiba-benefits-table td:last-child {\n      border-bottom: none;\n    }\n  }\n<\/style>\n\n<table class=\"wiba-benefits-table\">\n  <thead>\n    <tr><th>Benefit<\/th><th>Compensation<\/th><\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td data-label=\"Benefit\"><strong>Death<\/strong><\/td>\n      <td data-label=\"Compensation\">96 months\u2019 salary (capped by Minister of Labour)<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Benefit\"><strong>Permanent Total Disability<\/strong><\/td>\n      <td data-label=\"Compensation\">96 months\u2019 salary<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Benefit\"><strong>Temporary Total\/Partial Disablement<\/strong><\/td>\n      <td data-label=\"Compensation\">Weekly pay up to 52 weeks<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Benefit\"><strong>Medical Expenses<\/strong><\/td>\n      <td data-label=\"Compensation\">All \u201creasonable\u201d bills, minimum Ksh.30,000, subject to negotiation with insurer at start of cover<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Benefit\"><strong>Funeral Expenses<\/strong><\/td>\n      <td data-label=\"Compensation\">From Ksh 30,000<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Benefit\"><strong>Occupational Illness<\/strong><\/td>\n      <td data-label=\"Compensation\">Up to Ksh 4 million<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n\n\n\n<p><\/p>\n\n\n\n<div style=\"\n  background-color: #ffd100;\n  color: #000;\n  text-align: center;\n  padding: 20px;\n  border-radius: 8px;\n  margin: 20px auto;\n  max-width: 600px;\n  box-sizing: border-box;\n\">\n  <h3 style=\"margin: 0 0 10px; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"Protect_Your_Team\"><\/span>Protect Your Team<span class=\"ez-toc-section-end\"><\/span><\/h3>\n  <p style=\"margin: 0 0 15px; font-size: 16px;\">Request your WIBA quote and secure peace of mind.<\/p>\n  <a href=\"https:\/\/www.amssurity.co.ke\/wiba-insurance\/quote\" target=\"_blank\" rel=\"noopener\" style=\"\n    display: inline-block;\n    background-color: #004AB4;\n    color: #fff;\n    text-decoration: none;\n    padding: 12px 24px;\n    border-radius: 4px;\n    font-size: 16px;\n  \">Request Quote<\/a>\n<\/div>\n\n\n\n<p>You can watch and learn about the benefits of WIBA Insurance in Kenya in this video.<\/p>\n\n\n\n<style>\n  .video-container {\n    position: relative;\n    width: 100%;\n    padding-bottom: 53.33%; \/* 400 \/ 750 = 0.5333 = 53.33% *\/\n    height: 0;\n    overflow: hidden;\n    max-width: 750px;\n    margin: 0 auto;\n  }\n\n  .video-container iframe {\n    position: absolute;\n    top: 0;\n    left: 0;\n    width: 100%;\n    height: 100%;\n    border: 0;\n  }\n<\/style>\n\n<div class=\"video-container\">\n  <iframe\n    title=\"YouTube video player\"\n    src=\"https:\/\/www.youtube.com\/embed\/LuoG_gkfKnI?si=iYAGhjmzi_3A3MYc\"\n    allowfullscreen>\n  <\/iframe>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Benefits_of_WIBA_Insurance_in_Kenya\"><\/span>Benefits of WIBA Insurance in Kenya<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>We shall be looking at the 6 benefits of WIBA insurance in Kenya that you need to know:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Statutory_Compliance_Penalty_Avoidance\"><\/span><strong>1. Statutory Compliance &amp; Penalty Avoidance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>By securing WIBA insurance in Kenya, you ensure that you&#8217;re fully aligned with the legal standards set by the Work Injury Benefits Act, helping you avoid significant fines and potential work disruptions.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Why It Matters:<\/strong> According to Cap. 236 of the Laws of Kenya, employers who fail to comply could face heavy penalties, legal action, and interruptions to their operations.<br><\/li>\n\n\n\n<li><strong>2025 Insight:<\/strong> There was a 12% increase in DOSH inspections year-on-year\u2014companies that are compliant not only enjoy quicker renewals but also face fewer audit checks<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Comprehensive_Medical_Expense_Cover\"><\/span><strong>2. Comprehensive Medical Expense Cover<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>WIBA insurance in Kenya ensures that all reasonable medical expenses, from initial first aid to physiotherapy, are completely covered following a workplace injury.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>What\u2019s Covered:<\/strong> All \u201creasonable\u201d costs, first aid, hospital care, medication, physiotherapy, and medical reports related to work injuries or occupational diseases.<br><\/li>\n\n\n\n<li><strong>Expert Take:<\/strong>\u201cUnder WIBA, employers are only liable if negligence is proven,\u201d says <a href=\"https:\/\/www.paulhastings.com\/insights\/practice-area-articles\/kenya\" data-type=\"link\" data-id=\"https:\/\/www.paulhastings.com\/insights\/practice-area-articles\/kenya\" target=\"_blank\" rel=\"noopener\">Paul Hastings LLP,<\/a> highlighting that strong safety measures can both minimise claims and clarify who is responsible.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Lump-Sum_Disability_Death_Benefits\"><\/span><strong>3. Lump-Sum Disability &amp; Death Benefits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Through WIBA insurance in Kenya, employees who are permanently disabled or the dependents of deceased workers receive a straightforward, lump-sum payment of up to 96 months&#8217; salary.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Permanent Total Disability:<\/strong> One-time payout amounting to 96 months&#8217; salary.<\/li>\n\n\n\n<li><\/li>\n\n\n\n<li><strong>Permanent Partial Disability:<\/strong> Lump sum paid based on the level of impairment.<br><\/li>\n\n\n\n<li><strong>Why It\u2019s Awesome:<\/strong> Provides immediate financial relief\u2014no lengthy court battles or uncertainty.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Funeral_Survivor_Support\"><\/span><strong>4. Funeral &amp; Survivor Support<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>WIBA insurance in Kenya provides a designated funeral grant and survivors\u2019 compensation, ensuring families aren\u2019t left with financial burdens after a workplace fatality.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Funeral Grant:<\/strong> Minimum Ksh 30,000 (many insurers offer higher).<br><\/li>\n\n\n\n<li><strong>Dependants\u2019 Compensation:<\/strong> Up to 96 months\u2019 salary to spouse, children, or other dependents in the event of the employee&#8217;s death.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Promotes_a_Safer_Workplace\"><\/span><strong>5. Promotes a Safer Workplac<\/strong>e<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>By requiring WIBA insurance in Kenya, employers directly benefit from lower premiums when they invest in training, PPE, and hazard controls.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Safety Incentives:<\/strong> Low-claim employers earn renewal discounts.<br><\/li>\n\n\n\n<li><strong>Culture Shift:<\/strong> Workers see real-world dividends from safety training, PPE, and hazard controls, reducing both accidents and premiums.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_Predictable_Risk_Management_Cost_Control\"><\/span><strong>6. Predictable Risk Management &amp; Cost Control<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Pooling risk via WIBA insurance in Kenya gives your business budget certainty and shields you from unpredictable, high-cost claims.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Risk Pooling:<\/strong> Spreads large claims across many employers for stability.<br><\/li>\n\n\n\n<li><strong>Budget Certainty:<\/strong> Fixed annual premium \u2192 accurate forecasting, no surprise payouts.<br><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_to_Calculate_Your_WIBA_Insurance_in_Kenya_Premiums\"><\/span><strong>How to Calculate Your WIBA Insurance in Kenya Premiums<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Calculating your WIBA insurance in Kenya premiums is straightforward; just combine your total annual payroll, your industry\u2019s risk rate, and any claims-history adjustments to arrive at your exact cost.<\/p>\n\n\n\n<p><strong>Tip:<\/strong> Premiums are based on total payroll, industry risk rating, and your claims record.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Step 1:<\/strong> Sum annual gross salaries.<br><\/li>\n\n\n\n<li><strong>Step 2:<\/strong> Multiply by your sector\u2019s rate (e.g., manufacturing ~1.2%; hospitality ~0.8%).<br><\/li>\n\n\n\n<li><strong>Step 3:<\/strong> Adjust for claim history (\u201310% for no claims, +15% for multiple claims).<br><\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mini_Case_Studies_WIBA_in_Action\"><\/span><strong>Mini Case Studies: WIBA in Action<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Manufacturing Plant (Nairobi County):<\/strong><strong><br><\/strong>\n<ol class=\"wp-block-list\">\n<li><em>Scenario:<\/em> A machine-guard failure injured a technician.<br><\/li>\n\n\n\n<li><em>Outcome:<\/em> WIBA covered Ksh 450,000 in hospital bills and paid 20 weeks of wage replacement, allowing both rapid recovery and zero legal disputes.<br><\/li>\n<\/ol>\n<\/li>\n\n\n\n<li><strong>Hospitality Staff (Mombasa):<\/strong><strong><br><\/strong>\n<ol class=\"wp-block-list\">\n<li><em>Scenario:<\/em> A chef developed dermatitis from a cleaning chemical.<br><\/li>\n\n\n\n<li><em>Outcome:<\/em> WIBA\u2019s occupational illness cover paid Ksh 120,000 for treatment plus 8 weeks of compensation, preserving staff morale and public reputation.<br><\/li>\n<\/ol>\n<\/li>\n<\/ol>\n\n\n\n<div style=\"\n  background-color: #ffd100;\n  color: #000;\n  text-align: center;\n  padding: 20px;\n  border-radius: 8px;\n  margin: 20px auto;\n  max-width: 600px;\n  box-sizing: border-box;\n\">\n  <h3 style=\"margin: 0 0 10px; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"Join_500_Kenyan_Firms\"><\/span>Join 500+ Kenyan Firms<span class=\"ez-toc-section-end\"><\/span><\/h3>\n  <p style=\"margin: 0 0 15px; font-size: 16px;\">See why top employers trust Amssurity for WIBA cover.<\/p>\n  <a href=\"https:\/\/www.amssurity.co.ke\/wiba-insurance\/quote\" target=\"_blank\" rel=\"noopener\" style=\"\n    display: inline-block;\n    background-color: #004AB4;\n    color: #fff;\n    text-decoration: none;\n    padding: 12px 24px;\n    border-radius: 4px;\n    font-size: 16px;\n  \">Get Quote<\/a>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step-by-Step_Guide_to_Filing_a_WIBA_Insurance_Claim\"><\/span><strong>Step-by-Step Guide to Filing a WIBA Insurance Claim<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<style>\n  .wiba-steps-table {\n    width: 100%;\n    border-collapse: collapse;\n    font-family: sans-serif;\n    font-size: 16px;\n    border: 1px solid #ccc;\n  }\n\n  .wiba-steps-table th,\n  .wiba-steps-table td {\n    padding: 12px 16px;\n    border: 1px solid #ccc;\n    text-align: left;\n  }\n\n  .wiba-steps-table thead th {\n    background-color: #004AB4;\n    color: #ffffff;\n    font-weight: 600;\n  }\n\n  @media screen and (max-width: 768px) {\n    .wiba-steps-table {\n      display: block;\n      border: none;\n    }\n\n    .wiba-steps-table thead {\n      display: none;\n    }\n\n    .wiba-steps-table tbody {\n      display: block;\n    }\n\n    .wiba-steps-table tr {\n      display: block;\n      margin-bottom: 1.2em;\n      border: 1px solid #ccc;\n      border-radius: 6px;\n      box-shadow: 0 2px 4px rgba(0,0,0,0.05);\n      padding: 10px;\n      background: #fff;\n    }\n\n    .wiba-steps-table td {\n      display: block;\n      padding: 8px 12px;\n      text-align: left;\n      border: none;\n      border-bottom: 1px solid #eee;\n      font-size: 14px;\n    }\n\n    .wiba-steps-table td::before {\n      content: attr(data-label);\n      font-weight: 600;\n      display: block;\n      color: #004AB4;\n      margin-bottom: 4px;\n    }\n\n    .wiba-steps-table td:last-child {\n      border-bottom: none;\n    }\n  }\n<\/style>\n\n<table class=\"wiba-steps-table\">\n  <thead>\n    <tr>\n      <th>Step<\/th>\n      <th>Action<\/th>\n      <th>Who Does It<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td data-label=\"Step\">1\ufe0f\u20e3<\/td>\n      <td data-label=\"Action\"><strong>Report the accident\/injury immediately<\/strong> to your supervisor\/employer<\/td>\n      <td data-label=\"Who Does It\">Employee<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Step\">2\ufe0f\u20e3<\/td>\n      <td data-label=\"Action\"><strong>Seek medical treatment<\/strong> and get a <strong>doctor\u2019s report<\/strong><\/td>\n      <td data-label=\"Who Does It\">Employee<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Step\">3\ufe0f\u20e3<\/td>\n      <td data-label=\"Action\">Once approved, the <strong>insurer pays out<\/strong> medical refunds, disability benefits, or death compensation<\/td>\n      <td data-label=\"Who Does It\">Employer<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Step\">4\ufe0f\u20e3<\/td>\n      <td data-label=\"Action\">Fill out <strong>DOSH Form D1<\/strong> (Accident Notification)<\/td>\n      <td data-label=\"Who Does It\">Employer\/HR<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Step\">5\ufe0f\u20e3<\/td>\n      <td data-label=\"Action\">Submit supporting documents to insurer:<br>&#8211; Police report (if applicable)<br>&#8211; Medical reports\/receipts<br>&#8211; Payslips showing salary<br>&#8211; Witness statements (optional)<\/td>\n      <td data-label=\"Who Does It\">Employer<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Step\">6\ufe0f\u20e3<\/td>\n      <td data-label=\"Action\"><strong>Insurer investigates<\/strong> the claim and may request a medical re-evaluation<\/td>\n      <td data-label=\"Who Does It\">Insurance company<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Step\">7\ufe0f\u20e3<\/td>\n      <td data-label=\"Action\">Once approved, <strong>insurer pays out<\/strong> medical refunds, disability benefits, or death compensation<\/td>\n      <td data-label=\"Who Does It\">Insurance company<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_the_documents_needed_to_file_a_WIBA_Insurance_claim_in_Kenya\"><\/span><strong>What are the documents needed to file a WIBA Insurance claim in Kenya?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>DOSH <strong>Form D1<\/strong> \u2013 accident\/injury notification<\/li>\n\n\n\n<li>Medical reports + treatment invoices<\/li>\n\n\n\n<li>Employee\u2019s payslips (to calculate compensation)<\/li>\n\n\n\n<li>ID\/passport copy of the injured employee<\/li>\n\n\n\n<li>Employer\u2019s WIBA policy document<\/li>\n\n\n\n<li>Death certificate + burial permit (for fatal cases)<\/li>\n\n\n\n<li>Witness statements or internal accident reports<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Benefits_Paid_Out_Under_WIBA\"><\/span><strong>Benefits Paid Out Under WIBA<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<style>\n  .claim-payout-table {\n    width: 100%;\n    border-collapse: collapse;\n    font-family: sans-serif;\n    font-size: 16px;\n    border: 1px solid #ccc;\n  }\n\n  .claim-payout-table th,\n  .claim-payout-table td {\n    padding: 12px 16px;\n    border: 1px solid #ccc;\n    text-align: left;\n  }\n\n  .claim-payout-table thead th {\n    background-color: #004AB4;\n    color: #ffffff;\n    font-weight: 600;\n  }\n\n  @media screen and (max-width: 768px) {\n    .claim-payout-table {\n      display: block;\n      border: none;\n    }\n\n    .claim-payout-table thead {\n      display: none;\n    }\n\n    .claim-payout-table tbody {\n      display: block;\n    }\n\n    .claim-payout-table tr {\n      display: block;\n      margin-bottom: 1.2em;\n      border: 1px solid #ccc;\n      border-radius: 6px;\n      box-shadow: 0 2px 4px rgba(0,0,0,0.05);\n      padding: 10px;\n      background: #fff;\n    }\n\n    .claim-payout-table td {\n      display: block;\n      padding: 8px 12px;\n      text-align: left;\n      border: none;\n      border-bottom: 1px solid #eee;\n      font-size: 14px;\n    }\n\n    .claim-payout-table td::before {\n      content: attr(data-label);\n      font-weight: 600;\n      display: block;\n      color: #004AB4;\n      margin-bottom: 4px;\n    }\n\n    .claim-payout-table td:last-child {\n      border-bottom: none;\n    }\n  }\n<\/style>\n\n<table class=\"claim-payout-table\">\n  <thead>\n    <tr>\n      <th>Type of Claim<\/th>\n      <th>Payout Guideline<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td data-label=\"Type of Claim\"><strong>Medical Expenses<\/strong><\/td>\n      <td data-label=\"Payout Guideline\">Reimbursed up to the policy limit (e.g., KES 50,000+)<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Type of Claim\"><strong>Temporary Disability<\/strong><\/td>\n      <td data-label=\"Payout Guideline\">Salary paid for up to 52 weeks (based on medical assessment)<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Type of Claim\"><strong>Permanent Disability<\/strong><\/td>\n      <td data-label=\"Payout Guideline\">Lump sum, often up to <strong>96 months\u2019 salary<\/strong> (based on % loss)<\/td>\n    <\/tr>\n    <tr>\n      <td data-label=\"Type of Claim\"><strong>Death Benefit<\/strong><\/td>\n      <td data-label=\"Payout Guideline\">Lump sum up to <strong>96 months&#8217; salary<\/strong> + funeral costs (KES 30k+)<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n\n\n\n<p><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1750096490533\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"What_is_WIBA_Insurance\"><\/span><strong>What is WIBA Insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>WIBA (Work Injury Benefits Act) insurance is a mandatory policy in Kenya that provides compensation to employees who suffer injuries, illnesses, or death while performing their work duties. It operates on a no-fault basis, meaning employees do not need to prove fault to receive benefits<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1750096542123\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"How_much_is_the_WIBA_Insurance\"><\/span><strong>How much is the WIBA Insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>WIBA insurance premium depends on:<br \/>The total annual salaries of employees<br \/>The nature and risk level of the job\/industry<br \/>The company\u2019s claims history<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1750057577622\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"How_does_WIBA_protect_my_employees\"><\/span><strong>How does WIBA protect my employees?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p> It pays medical bills, weekly wage replacements, and lump-sum payouts so that they can recover without financial stress.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1750057580611\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Does_WIBA_boost_workplace_safety\"><\/span><strong>Does WIBA boost workplace safety?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p> Yes, premiums rise with claims, so employers invest in training, PPE, and hazard mitigation.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1750057581501\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Can_dependents_claim_if_an_employee_dies\"><\/span><strong>Can dependents claim if an employee dies?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p> Survivors get a lump-sum death benefit and a funeral grant.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1750057584851\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Is_WIBA_cheaper_than_self-insuring\"><\/span><strong>Is WIBA cheaper than self-insuring?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Almost always, pooled risk makes premiums more predictable than funding large claims individually. It is also a requirement by the Kenyan law<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1750057585912\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Will_premiums_go_up_after_multiple_claims\"><\/span><strong>Will premiums go up after multiple claims?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p> They can, another reason to focus on safety culture and preventive measures.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Get_Your_Free_WIBA_Insurance_Quote\"><\/span><strong>Get Your Free WIBA Insurance Quote<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div style=\"\n  background-color: #ffd100;\n  color: #000;\n  text-align: center;\n  padding: 20px;\n  border-radius: 8px;\n  margin: 20px auto;\n  max-width: 7500px;\n  box-sizing: border-box;\n\">\n  <h3 style=\"margin: 0 0 10px; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"Still_Unsure\"><\/span>Still Unsure?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n  <p style=\"margin: 0 0 15px; font-size: 16px;\">Chat live with an Amssurity adviser now.<\/p>\n  <a href=\"https:\/\/wa.me\/254762065500?text=I%20have%20questions%20about%20WIBA%20insurance\" target=\"_blank\" rel=\"noopener\" style=\"\n    display: inline-block;\n    background-color: #004AB4;\n    color: #fff;\n    text-decoration: none;\n    padding: 12px 24px;\n    border-radius: 4px;\n    font-size: 16px;\n  \">Chat Live<\/a>\n<\/div>\n\n\n<div class=\"wpforms-container wpforms-container-full wpforms-block wpforms-block-1d7801e3-11c4-4137-bc36-162c8ebde4de 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\" action=\"\/blog\/wp-json\/wp\/v2\/posts\/642\" 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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\/642\"><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 -->","protected":false},"excerpt":{"rendered":"<p>The Work Injury Benefits Act Insurance (WIBA) is a requirement for every employer in Kenya, as outlined in the Work [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":651,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[49],"tags":[12,31],"class_list":["post-642","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-insurance","tag-amssurity-insurance-agency","tag-insurance-agents-in-kenya"],"modified_by":"Agnes Mukulu","_links":{"self":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/642","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\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/comments?post=642"}],"version-history":[{"count":34,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/642\/revisions"}],"predecessor-version":[{"id":2376,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/posts\/642\/revisions\/2376"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/media\/651"}],"wp:attachment":[{"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/media?parent=642"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/categories?post=642"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.amssurity.co.ke\/blog\/wp-json\/wp\/v2\/tags?post=642"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}