Personal Accident insurance provides financial protection if you suffer an accidental injury, disability, or death. It pays a lump sum to help you and your family cope with the financial impact.

At Precise Insurance Agency, we connect you with leading insurers to find affordable personal accident cover that suits your needs.

Whether you need cover for yourself, your family, or your employees, personal accident insurance gives you peace of mind.

Did you know? Personal accident insurance covers you 24/7 — at work, at home, and on the road.

Regulated by IRA
Personal Accident Insurance Kenya
InstantPA cover
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What's Covered

  • Accidental death — lump sum payment to your beneficiaries
  • Permanent total disability — if you're permanently unable to work
  • Permanent partial disability — loss of limbs, sight, hearing, etc.
  • Temporary total disability — weekly income replacement during recovery
  • Medical expenses — emergency treatment and hospitalization
  • Trauma cover — for serious injuries like burns, fractures, and head injuries

Coverage: 24/7 worldwide cover available on most policies.

Personal Accident Insurance Application

Fill in your details, upload your documents, and submit your application.

Upload Documents

ID / Passport

Click or drag file here

JPG, PNG, PDF (Max 2MB)
KRA PIN

Click or drag file here

JPG, PNG, PDF (Max 2MB)

Next of Kin Information

M-Pesa Paybill: 516600 — Account: 0167195001

Application Submitted Successfully!

Your personal accident insurance application has been received. We'll review your details and get back to you within 24 hours.

For immediate assistance, call +254 726 439 278

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Frequently Asked Questions

Personal accident insurance provides a lump sum payment if you suffer an accidental injury, disability, or death. It covers you 24/7 — at work, at home, and on the road.
It covers accidental death, permanent total disability, permanent partial disability, temporary total disability, medical expenses, and trauma cover for serious injuries.
Premiums vary based on cover limit, occupation, and duration. Typically KES 1,000-10,000 per year for KES 500,000-2,000,000 cover. We'll provide a quote based on your needs.
You'll need a valid ID or Passport, KRA PIN, and contact details of your next of kin. We'll guide you through the application process.
Contact us immediately after an accident. We'll guide you through the claims process, help you gather the required documents, and submit your claim to the insurer.