THE FOLLOWING ARE BENEFITS PAYABLE UNDER WIBA

Death Paid as 8 earnings

Permanent total disability: Meaning

the loss of one limb or eye, or two or more limbs or eyes, or permanent total disablement. The extend of disability is determined by a the labour ocer after filling in the DOSH FORM 1. PTD is also 8 years earnings.

Accidental Temporary Total Disablement Note that it is from “usual” occupation. But inability solely to take part in sports and pastimes cannot be “disablement” in this sense.

OUTPATIENT SERVICES:

“Partial” disablement means disablement from a substantial part of the usual occupation. This is what is referred to as weekly benefits limited to 104 weeks.

Accidental medical expenses. This benefit, unlike the others, is on an Indemnity basis, i.e. it reimburses (up to the limit of 100,000) expenses actually incurred.

Additional free benefits
Repatriation KShs. 100,000/=
Artificial Appliances KShs. 25,000/=

Limits
Any one person KShs. 5,000,000/=
Any one event KShs. 25,000,000/=
Any one year KShs. 50,000,000/=

EXCLUSIONS UNDER WIBA

Any accidental death or injury occurring outside the normal working hours of the employee;

Any liability of the Insured which attaches by virtue of an agreement but which would not have attached in the absence of such agreement;

Any injury by accident or disease sustained outside the Geographical Area by any employee whose contract of service is not made in Kenya and not subject to the Laws of Kenya;

Any injury by accident or disease sustained by any employee who is below the age of eighteen years.

Any injury caused or contributed to directly or indirectly by deliberate and willful misconduct of the employee.