Employee Insurance

Work Injury Benefits Acts (WIBA)

Cover for employees while on duty in the execution of the Insured's business.

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Cover for employees while on duty in the execution of the Insured's business.

Benefits

Accidental death
Permanent total disability
Temporary total disability
Medical expenses
Funeral expenses

Get this cover

Speak to an Oakstem advisor and receive a tailored quote within 24 hours.

Request a Quote → +254 717 966 970

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Included

What this cover includes

Accidental death
Permanent total disability
Temporary total disability
Medical expenses
Funeral expenses

Excluded

Typical exclusions

Pre-existing conditions or losses arising before the policy inception date
Wilful or fraudulent acts by the insured
War, nuclear risks and government action (subject to specific extensions)
Wear and tear, mechanical breakdown and gradual deterioration

Get ready

Documents we will need

National ID or KRA PIN of the proposer
Asset / insured-item details (registration, valuation, etc.)
Previous claims history if any
Any underwriter-specific declarations

FAQ

Frequently Asked

Quick answers about Work Injury Benefits Acts (WIBA).

Most policies are issued within 24–48 hours of receipt of complete documentation and premium.

Many of our underwriters allow quarterly or monthly instalments for qualifying policies — we will confirm at quotation.

Notify Oakstem immediately on +254 717 966 970 or info@oaksteminsurance.co.ke. We will guide you through documentation and follow the claim through to settlement.

Other cover in this pillar

View pillar →

Group Personal Accident (GPA)

Compensation for employees in the event of death, injury or disability from accidents.

Learn more →

Last Expense / Funeral Cover

Stand-alone cover that pays an agreed lump sum on death of an insured employee.

Learn more →

Life Insurance

Protection against financial loss from the premature death of an insured person.

Learn more →

Group Life Cover

Life insurance taken by an employer that pays an agreed amount on death in service.

Learn more →

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