WORK INJURY BENEFITS ACT (WIBA) INSURANCE.

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What is Work Injury Benefits Act (WIBA) Insurance?

This is a policy that covers the employees of the insured whilst on duty and engaged in the execution of the Insured's business &/or any project undertaken by the Insured, against accidental bodily injury, disablement or death.

WIBA Insurance Kenya- Benefits, Cost & File Claim


Introduction


What measures have you put in place- when your employees get injured at your workplace?


As you know, accidents happen unintentionally. According to Labor Laws about Health and Safety Act 2007, which was revised in 2010? Compensation is payable in accordance with the provisions of the WIBA Act 2007.

It clearly states that, it is the responsibility of every employer to obtain insurance policy for the safety, health and wellbeing of their employees, working at the organization or business premises.

Labor Laws about Health and Safety Act 2010 provides, for the safety, health and wellbeing of employees and all persons lawfully present at workplace.

What is WIBA Insurance Policy?


WIBA Insurance Kenya stands for Workers Injury Benefits Act. It is a requirement for businesses or organizations to cover themselves against compensation towards injuries caused to their employees.

WIBA Insurance policy covers you as an employer against legal liability under the Labor Laws about Health and Safety Act 2007.

This is in respect to the assessments. It compensates for bodily injury to your employees due to accident or occupational diseases arising out of and during the course of employees’ employment in your organization or business premises.

These are the items covered in WIBA Insurance cover in Kenya;

  1. covers you financially, in case of your employees’ death. The death benefits are payable to beneficiaries of the insured.
  2. It protects you financially; against employees’ work related injuries and occupational diseases.
  3. It provides funeral expenses benefits.
  4. It provides medical expenses benefits.
  5. It also provides total or partial disablement benefits to the insured.

These are the exclusion on WIBA Insurance Policy Kenya;

  1. WIBA Insurance Kenya won't compensate your employees, if an accident not resulting in serious disablement or death, is deliberately and caused by misconduct of your employees.
  2. Work Injury Benefits Act policy won't cover you financially, from accidental death or work related injuries occurring outside the normal working hours of your employees.
  3. It won't cover any work related injuries and occupational diseases contracted outside Kenya.
  4. Furthermore, WIBA Insurance won't cover any liabilities arising out of any court proceedings.

Why do you need WIBA Insurance In Kenya?

Besides being a mandatory requirement for employers. It protects you financially against liabilities which arises from your employees work related injuries and occupational diseases.


WIBA Insurance management when carried out internally will affect your company's operations.


Your company's savings will go down the drain, when carrying out WIBA management internally.


In order for this not to happen, you need to transfer risks to an insurance company for your employees’ safety and health compensation plan.

Transferring risks to an insurance company will not affect your company's financial planning.

Because of this, it will be a lot easier to give the company's financial report when you consider Work Injury Benefits Insurance Policy (WIBA).

It covers you financially in case of large scale risks such as fire and road accident.

When you don't consider WIBA policy cover in the event of large scale risks, your company will suffer in terms of finances ending up in bankruptcy.

Difference between WIBA Insurance and Personal Accident Cover

Before you get to know the difference between WIBA and Personal Accident Cover. You need to understand Personal Accident Cover and what items are covered.

Personal Accident Cover provides a compensation plan for you when you get injured in an accident.

Personal Accident Cover provides the following coverage plan;

  1. Provides death benefits to the beneficiaries of the insured.
  2. It provides total or partial disablement benefits to the insured.
  3. It protects you financially when you get injured in an accident.
  4. It provides accidental medical expenses for you when injured.
  5. It provides funeral expenses benefits.

The main difference between WIBA and Personal Accident Insurance Policy is that WIBA Insurance is only applicable to the workplace while Personal Accident Cover is not.

These are the advantages of WIBA Kenya ;

  1. It is cheaper compared to managing WIBA Kenya risks internally.
  2. It gives you peace of mind when risks occur in your organization or company.
  3. It protects you financially against liabilities that arises from your employees work related injuries and occupational diseases.
  4. It attracts more staff and retains them as it forms one of the welfare benefits.

Here are some of disadvantages of WIBA Kenya;

  1. It won't provide enough coverage for your employees. You need to buy additional coverage on top of what your organization or company provides.
  2. WIBA cover are tied to the employment of your employees. When they resign or get fired, the policy won't cover them.
  3. WIBA Insurance cover Kenya are one-size fits all, which doesn't provide customization where need be.

The main disadvantage of Work Injury Benefits Act (WIBA) cover is that, it won't compensate work related injuries and occupational diseases that arises outside the normal working hours of your employees.

Is It Risky To Buy WIBA Insurance Policy?

Since WIBA Insurance is a legal requirement for every employer in Kenya to have for the safety and health compensation plan for their employees.


It is important for you to understand how the insurance policies work. Here are few factors for you to consider when buying WIBA Insurance Kenya;

  1. The market reputation of the company insurance is of importance. It is important to check how they have handled past claims. What are some of feedbacks from clients?
  2. Is your insurance provider accessible? Are they providing their services online? If yes, this will give you peace of mind and saves you time When you need them.
  3. It is important for you to know the costs and services offered by your insurance provider. Don't accept inferior services for low costs, in the long run it Will cost you a lot.

It won't be risky for you to buy WIBA Insurance Policy when you exercise patience in checking the details of the insurance companies and choose the one that fits your organization or company.

Get WIBA Insurance Quotes In Kenya

As an employer, you should keep records of your employees’ earnings and at all times produce the record when demanded by the director for inspection.

It is your responsibility to be honest when giving information to the insurer. So, you want to buy WIBA Insurance Policy?

There are various ways you can get WIBA Insurance Quotes. First, you can contact any insurance provider. It is important for you to check the details of the insurance companies.

Do they have what you are looking for? Is the price pocket friendly? You need to understand how the insurance policy works. Check the items that are covered and which ones are not included in the insurance coverage plan.

Contacting the insurance providers online will help you to compare quotes and choose the one that fits your organization or business insurance needs.

Secondly, you can contact insurance agent or broker for your insurance needs. When dealing with an insurance agent or broker, it is important for you to check the insurance regulatory authority website, to ensure the agent or broker has been licensed.

Here are few tips for you to consider when implementing WIBA business Insurance .

  1. Be flexible when implementing it in your workplace. When it does not meet your organization or company's needs, you can buy additional coverage plan.
  2. Ensure coverage of welfare of your employees in return you have healthier and productive employees.
  3. Encourage both WIBA and Accident Cover; the latter will cover them when they are no longer in WIBA Insurance coverage plan.

Cost of WIBA Insurance Kenya

The cost of WIBA Insurance Policy in Kenya varies for different insurance companies. Although, the cost will depend on the coverage plan you are going for.

It can be high or low; it all depends on the choice of the coverage plan that suits your organization or company's insurance needs.

Note that, the benefits are calculated based on your employees’ earnings and nature of the work related injuries and occupational diseases. It is important you keep updating records of your employees’ earnings to make work easier when calculating the benefits for compensation.

How to File WIBA Insurance Claim & Documents Required?

Before filing WIBA Insurance Claim, here are documents that you need to have.
  1. Duly filled Dosh forms part 1&2
  2. Original medical bills
  3. Medical opinion if required by the company
  4. Documents for death claim
  5. Provisional document
  6. Certified copy of death certificates
  7. Identity card in the event of fatal injury
  8. Police abstract report in case of road accident
  9. Statement by the immediate supervisor

When filing WIBA Claim, here are the steps to follow;

Step1: You need to report fatal work related injuries and occupational diseases to the director of occupational health and safety before 24 hours lapses. For non-fatal work related injuries and occupational diseases, you need to report within 7 days.

Step 2: Fill Labor form Dosh part 1

Step 3: Make sure the attending doctor fills Dosh part 2

Step 4: After filling Dosh part 1&2, send the forms to the Labor Office for assessment. Then Labor Office completes WIBA form after doing the assessment.

Step 5: You should obtain a written statement from the claimant, eyewitness and the supervisor of the claimant.

Step 6: You should report to the insurer once an injury occurs and request for a blank claim form for your completion.

Step 7: Complete the claim for and return to your insurance provider.

Step 8: This is the final step; your insurance provider pays for compensation to the claimant or to the beneficiaries through their bank accounts. Then, case is closed. If the claimant or the beneficiaries don't agree on the offer, legal process commences.

In conclusion, for you to have peace of mind in investing in a WIBA Insurance Policy for your employees’ safety and health compensation plan. You need to have the basic knowledge of WIBA Insurance Policy and how it works.

Are you having trouble in getting WIBA Insurance Policy Quotes? Do you have any questions about WIBA Insurance Policy? Don't stress, find us on our website www.nextinsurance.co.ke

12 Frequently Asked Questions when getting WIBA Insurance Policy


What does WIBA stands for? WIBA stands for Workers Injury Benefits Act.

What is WIBA? It is a requirement for businesses or organizations to cover themselves against compensation towards injuries caused to their employees.

What is the difference between WIBA Insurance Policy and Personal Accident Cover? The main difference between WIBA and Personal Accident Insurance Policy, is that WIBA cover is only applicable to the workplace while Personal Accident Cover is not.

What is the cost of WIBA Insurance? The cost of WIBA Insurance cover are calculated based on your employees’ earnings and nature of the work related injuries and occupational diseases.

How do I buy WIBA Insurance ? You can contact any insurance provider or an insurance agent or broker.

Is it risky to buy WIBA Insurance ? It won't be risky for you to buy WIBA Insurance Policy when you exercise patience in checking the details of the insurance companies and choose the one that fits your organization or company.

What factors to consider when buying WIBA Insurance Policy from an insurance provider? Here are factors to consider, the market reputation of your insurance provider, your provider accessibility and the costs for the service offered.

Why do I need WIBA Insurance Policy? WIBA Insurance Policy being a mandatory requirement for employers. It protects employers financially against liabilities which arises from their employees work related injuries and occupational diseases.

What items are covered in WIBA Insurance Policy? The items covered under WIBA Insurance Policy are; medical expenses benefits, funeral expenses benefits, total or partial disablement benefits and work related injuries and occupational diseases benefits.

What documents do I need before filling WIBA Insurance Claim? You need Duly filled Dosh forms part 1&2, original medical bills, medical opinion if required by the company, documents for death claim, provisional document, certified copy of death certificates, identity card in the event of fatal injury, police abstract report in case of road accident and statement by the immediate supervisor.

When do I file for WIBA Insurance Claim? When your employees have been injured in the workplace or contracted occupational diseases during the normal working hours.

What are the advantages of WIBA Insurance Policy? It is cheaper compared to managing WIBA risks internally; it gives both the employees and employers peace of mind when risks occur in the place of work.
It protects employers financially against liabilities that arises from their employees work related injuries and occupational diseases. Lastly, it attracts more staff and retains them as it forms one of the welfare benefits.


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About InsureAfrika

InsureAfrika is a Kenyan company that provides free online insurance quotes from insurance companies in Kenya. This service will save you the time you will otherwise spend looking for insurance quotes. It will also save you money by linking you to companies that have the lowest quotes for each type of insurance. We currently provide insurance quotes for the following products;

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