Personal Accident Cover

Because Accidents Don’t Knock

Accidents can happen when you least expect them—on the road, at home, or even during leisure. A split-second event can result in serious injury, loss of income, or worse. At OWNIT Insurance Agency, we offer a Personal Accident Cover that provides financial support during such unforeseen moments, giving you and your family peace of mind when it matters most.

Our plans are flexible, affordable, and accessible to both individuals and families across Kenya.

Why You Need Personal Accident Cover in Kenya

While medical insurance covers treatment costs, Personal Accident Cover (PAC) goes further. It offers direct cash benefits in case of:

  • Accidental death
  • Permanent or temporary disability
  • Medical expenses due to injury
  • Hospital cash benefit for time spent admitted

Whether you’re a boda rider, office worker, farmer, entrepreneur, or parent, this cover acts as a financial cushion when an accident disrupts your income or lifestyle.

What the Cover Includes

OWNIT’s Personal Accident Cover can be tailored to fit your specific risk level, budget, and lifestyle.

Core Benefits:
  • Accidental Death Benefit: Lump sum payment to nominated beneficiaries
  • Permanent Total Disability: One-time payout to help you adjust your life post-accident
  • Temporary Total Disability: Weekly benefits during recovery when you cannot work
  • Accidental Medical Reimbursement: Refund of medical expenses related to the accident
Optional Benefits
  • Hospital Daily Cash Allowance
  • Funeral Assistance Cover
  • Repatriation Costs
  • Educational support for children (in case of death)

Key Features

  • 24/7 worldwide coverage – Accidents are covered anywhere, at any time
  • Quick claims processing – Fast support when you need it most
  • Suitable for individuals and groups – Including companies, Saccos, and sports teams
  • Customisable limits – Choose from multiple benefit tiers based on your income or risk level
  • Affordable premiums – Get quality protection from as low as a few thousand shillings per year

Who Should Get Personal Accident Cover?

This cover is ideal for:

  • Self-employed individuals
  • Employees without GPA through work
  • Field and transport workers (boda boda, logistics, etc.)
  • Students and young professionals
  • Family breadwinners
  • Employers looking to protect their teams

Even if you already have medical insurance, Personal Accident Cover adds extra protection by replacing lost income and supporting your recovery.


How to Enroll

For Individuals
  1. Provide your personal details (ID, DOB, contact, occupation)
  2. Choose a coverage tier or let our advisors guide you
  3. Pay the annual premium and receive your policy documents
For Employers or Groups
  1. Share your team’s details and preferred limits
  2. We’ll create a group proposal with cost options
  3. We onboard your team and handle all documentation


Why Choose OWNIT?

With OWNIT, you’re never just a number. We offer:

  • Personalised consultation
  • Transparent benefit structures
  • Proactive claims support
  • Decades of experience serving clients in Kenya’s dynamic insurance landscape

Your safety, dignity, and future are our top priority.

📞 Protect your income and health today—before the unexpected happens.

Talk to us about Personal Accident Cover.

+254 722 667 531 | +254 791 388 191
Email info@ownitagency.com