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Solutions > Personal Accident
Accidents are unpredictable, our cover keeps you financially secure.
"Because accidents are unpredictable, this cover ensures: Financial stability for you and by extention to your family. Protection against high medical bills. Peace of mind knowing funeral expenses are taken care of."
24/7 Worldwide Cover
Protection wherever you are, day or night
Adults & Students
Flex Pac options plus the 'Usijilimit' student plans
What is APA Personal Accident?
This product covers the insured against Accidental Death, Accidental Permanent Total Disability, Accidental Medical Expense and Last Expense benefit. The Last Expense benefit is only payable in the event of death from accidental, illness or natural causes.
Highlights
- Pays out for accidental death, disability, injury and related expenses.
- 24-hour worldwide cover, whether you're travelling for work or pleasure.
- Flex Pac for working adults with five benefit options from KSh 250,000 to 2.5M.
- 'Usijilimit' Student PA plans (Simba, Chui, Kifaru, Nyati) from just KSh 650 a year.
What is Covered and Not Covered Under Personal Accident?
Toggle between the categories below to understand the comprehensive scope of our cover details.
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Payable and renewable annually
Eligibility & Documentation
Eligibility Criteria
Specifications
Age
Any adult aged between 18-80 yrs.
How to Buy APA Personal Accident?
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Choose your cover – Flex Pac (adults) or the 'Usijilimit' Student PA – and the benefit option that suits you.
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For Flex Pac, select your occupation class and complete the Personal Accident proposal form.
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Pay your premium – visit any APA branch for Flex Pac, or pay Student PA via M-Pesa Paybill 511600.
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Your cover activates, giving you 24/7 worldwide accident protection right away.
Everything You Need, All in One Place
Access policy documents, claim forms, renewals, and important resources anytime.
Real Stories from Customers Who Trust Our Coverage
Learn why professionals trust our solutions to complete better customer journeys.
“Support became faster, clearer, and more consistent across every customer touchpoint. It changed how we interact with our clients.”
Nia Afolayan
Customer Expert
Chioma Nwosu
Customer Success
“The onboarding was smooth from day one, and our team saw measurable results quickly. It gave us a much faster customer journey.”
Jordan Mensah
Growth Manager
Daniel Okoro
Founder
“It helped us create a better customer journey without adding complexity for the team, keeping all departments aligned.”
Robert Hayes
Regional Partner
Frequently Asked Questions
Your cover will start from the 1st day after you purchase the cover. For Instance, if you sign up on 16th May and fully pay premium, you will receive coverage from 16th May 2022 to 15th May 2023.
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
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Health Insurance
Your Health, Our Priority
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Motor Insurance
Your Family Awaits, Drive Safely
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Life Insurance
Enjoy every moment you live
“The easiest way to manage my cover.”
— Sarah K., Nairobi
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
+
Motor Insurance
+
Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
