Personal Insurance Products

Domestic Package (DP)

This policy insures the home. It combines coverage for the home that is, the building and household contents as well as domestic workers against death or injury while in the course of employment. The policy also covers the homeowners or occupiers against lawsuits for injury or property damage caused to other people (third parties).

Section A – Cover for the structure (building) of your home

Section B – Cover for your personal belongings or contents of the building

Section C – Cover for items you move with outside the house such as mobile phones, watches, IPads, laptops, rings, cameras, spectacles. This section is also referred to as All Risks

Section D – Liability protection, this covers domestic workers for injury or death while under-taking domestic work.

Sections E and F – Coverage of owners and occupiers against lawsuits for injury or property damage caused to other people.

Personal Accident

A Personal accident insurance provides financial benefits to an individual if he/she is involved in an accident resulting in injuries or death. While, Group personal accident insurance provides financial benefits to a group of people such as a family, employees, chamas, learning institutions, SMEs or any other group of people with common interest.

Accidental Death – Pays the fixed amount or multiple of salary for loss of life due to an accident

Permanent Disablement – Pays a certain percentage of the fixed amount or multiple of salary in the event of permanent disablement caused by an accident

Weekly payment – Pays a weekly income for temporary disablement resulting from accidental injury

Medical Expenses – Reimburses you for medical expenses that arise from an accident including dental and optical expenses.

Emergency Evacuation – Covers emergency medical evacuation expenses.

Pay for the cost of artificial appliances that arise from an accident such as crutches, hearing aid and prosthetics

 Repatriation Expenses – pays for the return of the deceased to place of residence.

Professional Indemnity

This insurance policy covers liability to a third party arising from the performance of, or failure to perform services by a professional. Insurance is provided in accordance with the limits, conditions and activities defined in the policy.

Negligent acts, errors or omission

Misleading statements

Unintentional breach of confidentiality

Libel or slander (defamation)

Dishonest, fraudulent or malicious acts, omissions by any former or present employee

Travel Insurance

A Personal accident insurance provides financial benefits to an individual if he/she is involved in an accident resulting in injuries or death. While, Group personal accident insurance provides financial benefits to a group of people such as a family, employees, chamas, learning institutions, SMEs or any other group of people with common interest.

Accidental Death – Pays the fixed amount or multiple of salary for loss of life due to an accident

Permanent Disablement – Pays a certain percentage of the fixed amount or multiple of salary in the event of permanent disablement caused by an accident

Weekly payment – Pays a weekly income for temporary disablement resulting from accidental injury

Medical Expenses – Reimburses you for medical expenses that arise from an accident including dental and optical expenses.

Emergency Evacuation – Covers emergency medical evacuation expenses.

Pay for the cost of artificial appliances that arise from an accident such as crutches, hearing aid and prosthetics

 Repatriation Expenses – pays for the return of the deceased to place of residence.