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Cover That KeepsYou Moving –24/7 AccidentProtection

24/7 Worldwide Cover

Protection wherever you are, day or night

Adults & Students

Flex Pac options plus the 'Usijilimit' student plans

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What is APA Personal Accident?

APA Personal Accident covers expenses related to temporary or permanent disability, or death, arising out of an accident. Flex Pac is a flexible package for adults with five benefit options (A-E) covering accidental death, disability, loss of income, medical and rehabilitation expenses, artificial limbs and funeral expenses, plus 24-hour worldwide cover. The Student Personal Accident cover ('Usijilimit') gives university and college students financial compensation in the event of an accident, 24 hours a day, with four plans (Simba, Chui, Kifaru, Nyati) – and we also have a version tailored for schools and academies.

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.
A working professional and a student, protected by APA Personal Accident cover
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What is Covered and Not Covered Under APA Personal Accident?

APA Personal Accident gives you 24/7 worldwide protection, with dedicated options for working adults and students. Toggle between the categories below to understand the comprehensive scope of your cover.

1

Accidental Death

Pays a lump-sum benefit to your beneficiaries in the event of death arising out of an accident.

2

Permanent Total Disability

Compensation on a continental scale for permanent disability caused by an accident.

3

Temporary Total Disability

Weekly loss-of-income benefit for up to 104 weeks while you are unable to work after an accident.

4

Medical & Rehabilitation

Covers accident medical expenses, rehabilitation, artificial limbs and dental injury treatment.

5

24-Hour Worldwide Cover

Protection around the clock, wherever you are, whether travelling for work or pleasure.

6

Funeral Expenses

A funeral expenses benefit to ease the financial burden on your family following an accident.

Find an APA Branch

Flex Pac is available at all APA branches countrywide. Find the nearest office to get covered.

Eligibility & Documentation for APA Personal Accident

Eligibility Criteria
Specifications
Flex Pac (Adults)
Persons aged 15 to 65 not in a hazardous occupation.
Partners & Spouses
Business partners and spouses may cover each other's lives.
Student PA
University and college students under the 'Usijilimit' cover.
Schools & Academies
A tailored Student Personal Accident cover for institutions.

How to Buy APA Personal Accident?

1

Choose your cover – Flex Pac (adults) or the 'Usijilimit' Student PA – and the benefit option that suits you.

2

For Flex Pac, select your occupation class and complete the Personal Accident proposal form.

3

Pay your premium – visit any APA branch for Flex Pac, or pay Student PA via M-Pesa Paybill 511600.

4

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.

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Claim Form

PDF • 1.1 MB

Terms & Conditions

PDF • 1.8 MB

Bima Bamba Insurance Brochure

PDF • 2.4 MB

Real Stories from Customers Who Trust Our Coverage

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Frequently Asked Questions

A policy that pays financial compensation for accidental death, permanent or temporary disability, injury and related expenses, 24 hours a day, wherever you are.

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