Micro Insurance
Personal Accident with Last Expense
Accident cover and dignified last expense support.
Benefits for accidental death or disability together with last expense support, subject to policy terms.
Overview
About Personal Accident with Last Expense
A dual-benefit micro cover: financial protection if you suffer accidental death or disability, plus a lump-sum last expense benefit to give your loved ones a dignified send-off without the financial strain.
Key Benefits
- Accidental death benefit
- Permanent disability benefit
- Last expense lump sum
- Medical expense reimbursement
- Family cover options
Coverage Highlights
- Accidental death lump sum
- Permanent total/partial disability
- Medical expenses from accident
- Last expense benefit for named lives
Who's Eligible
- Kenyan resident aged 18–70
- Individual or family plans
- Named beneficiaries required
Exclusions
- Death by natural causes (unless last expense benefit)
- Hazardous activities not disclosed
- Self-inflicted injuries
- Illegal activities
Available Plans
Choose the plan that fits your needs.
Basic
KES 400/ 12 months
Coverage up to KES 250,000
Waiting period: 14 days
- KES 250,000 accidental death
- KES 50,000 last expense
Standard
PopularKES 900/ 12 months
Coverage up to KES 500,000
Waiting period: 14 days
- KES 500,000 accidental death
- KES 100,000 last expense
- Disability benefit
Premium
KES 1,800/ 12 months
Coverage up to KES 1,000,000
Waiting period: 14 days
- KES 1,000,000 accidental death
- KES 200,000 last expense
- Disability + medical expenses
- Spouse & children add-on
Online M-Pesa checkout is coming soon. In the meantime, tap a plan to complete your application with a licensed advisor on WhatsApp.
Claims Process
- 1Notify RiskMate within 14 days
- 2Submit death/medical certificates and ID
- 3Payout within 14 days of approval
FAQs