Its mandatory for every student in Kenya to take personal accident insurance cover before being accepted for attachments or internships.
Students and parents in Kenya find it so difficult to get insurance companies that offer students personal accident covers in Kenya. It is therefore required of all interns employed by TSC to have a personal accident insurance cover

Personal Accident Insurance is a policy to cover individuals and groups from the physical injuries and financial loss. It covers among other things death, Permanent Disability, Temporary Total Disablement, accidental medical expenses, funeral expenses, hospital cash, artificial appliances. This type of cover is a hybrid of two products, life insurance and medical insurance as it caters for bodily injuries and also covers pure financial indemnity to the insured in form of death and disability benefits. Insurance premiums for PA insurance policies have duration of one year and insurance premiums are paid annually.



 The KCB personal life insurance also covers medical expenses and funeral expenses income due to disability from an accident, medical expenses and funeral expenses arising from an injury as a result of an accident.


  • Family security
  • Great cover at a lower premium
  • Easy claim method
  • Legal and observance expenses lined
  • Double indemnity for death/ incapacity whereas travelling in a public transport


2. PESABAZAAR.comthis is a Kenya’s premier aggregator that provides online insurance comparison services for car, medical, property and life insurance in Kenya. It is the one stop shop to compare and save money on your premiums, we are committed to finding you the right products that fit your needs at the best price available in the market.

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3. STANBIC BANK PERSONAL ACCIDENT INSURANCE COVERYou can have greater peace of mind and ensure that you have protection when you need it most. If an accident to you or any of your family members results in a permanent injury, a hospital stay or even death as the result of an accident you will receive a cash payout.

The cover includes the following benefits: –

  • Accidental Death – Pays lump sum benefits to the named beneficiaries in the event of covered accidental death to the insured person. The benefit includes funeral cover.
  • Permanent Total Disability – Pays benefits to insured if, due to a covered accident, insured is permanently and totally disabled.
  • Temporary Total Disability – Pays short term weekly benefits to the insured person for a limited period of time. Limited period of payment usually 52/104 weeks
  • Accidental Medical Reimbursement – Pays medical expenses due to an accident and includes costs of artificial appliances i.e. crutches, wheel chair. Typically limited to those incurred within 52 weeks of incident.

The amount of cover is based on a fixed amount per individual and extends to include spouse and children below 18 years.


4. Amaco Student Personal Accident Cover

Cheap & best student personal accident cover kenya

The Amaco Student Personal Accident Cover is one of the best student accident insurance cover in Kenya from African Merchant Assurance Co. Ltd (AMACO).

The insurance covers the student incase of death , permanent, disability and medical expenses arising from an accident during internships at the place of work and in the learning institutions during the specified cover period.

To contact AMACO for more information on the student cover one can use the following:

Office located at NEXTGEN Mall ,4th floor, Mombasa Road.
Tel: +254 020 220 4000
Cell: +254 726 312 121/738 312 121


AIG is a world leading provider of insurance and financial services with its branches allover the world.The AIG Student Personal Accident Insurance cover is well designed for primary, secondary and university students to cover the risk of financial consequences resulting from accidents.Benefits

    • It brings peace of mind for parents and learning institutions owners.
    • There is a financial compensation in case of an accident
  • Learning institutions can use this policy to attract new and existing students.

For more information one can contact AIG Kenya as follows;

Head office

Located at Eden square complex ,Chiromo Road, Westlands

P.O.Box 49460 – 00100 Nairobi

Tel+254 020 367 6000/020 375 1800

Cell:+254 723 600 500 / 723 600 400



This is an insurance policy available for students on attachments or internships in the course of their learning period.

Britam provides monetary payments in an event of accident to the insured student.
The policy provides compensation for death, total disability, medical expenses and funeral expenses.
For more information one can contact Britam with the following:
Tel+ 254 020 283 3000
Cell+254 703 094 000

5. Students Personal Accident Insurance Cover from HF Group

Cheap and best personal student insurance cover from HF group
This is a student insurance cover specifically designed for students to cover financial compensation in case of an accident.
The policy covers students in active education and students in attachments or internships. Education institutions can take this policy to cover their students in case of accidents.
For more information one can contact the HF Group:
Head office
Located at Rehani House, Kenyatta Avenue, Koinange street.
Tel+254 020 326 2000
Cell+254 709 438 000
Call centre +254 020 326 2888/+254 709 438 888
Toll free no 0800 721 400
N/B As per Unilada Kenya research we have these as the leading at the moment but readers are always welcome to give other best options I have left out.


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