LEARNING INSTITUTIONS INSURANCE PACKAGE

1. SECTION ONE: STUDENTS PERSONAL ACCIDENT

This is a special tailor made Personal accident insurance covering students for medical expenses following an accident. In addition, it provides cover against death, loss of limbs, sight, and hearing and such other permanent total or permanent partial disablement arising out of any accident.

			OPTIONS
BENEFIT		I	II		III		IV
Medical expenses		150,000	100,000		75,000		50,000
Permanent total Disablement		300,000	200,000		100,000		75,000
Death		100,000	100,000		75,000		50,000
Artificial limb(s)		100,000	75,000		50,000		25,000
Dental (Following Accident)		15,000	15,000		15,000		15,000
Last expense		25,000	25,000		25,000		25,000
GPA- TEACHERS/NON-TEACHING STAFF
				OPTIONS
BENEFIT	A			B		C		D
Death	1,000,000			750,000		500,000		250,000
Permanent total Disablement	1,000,000			750,000		500,000		250,000
Temporary Total Disablement	10,000			7,500		5,000		2,500
Medical expenses	200,000			150,000		100,000		50,000

2. SECTION TWO: FIRE & SPECIAL PERILS

Provides cover for buildings, contents, machinery and stock against Fire, Explosion, Lightening, Earthquake, Riot and Strike, Malicious Damage, storm, flood and miscellaneous perils.  

3. SECTION THREE: BURGLARY

This section covers loss of or damage to the property insured caused by theft involving entry or exit from the premises by forcible and violent means including Hold Up or theft accompanied by assault or violence or threat of it to the insured or employees of the insured.

4. SECTION FOUR: ELECTRONIC EQUIPMENT

Provides cover for actual repair/ or replacement cost following loss or damage to the computer arising from any accidental cause.

5. SECTION FIVE: PUBLIC LIABILITY

This section provides cover to the client against legal liability to third parties for damages in respect of accidental bodily injury or damage to property in course of or in connection with the insured’s business.

7. SECTION SIX: CASH IN TRANSIT

This section covers loss of money arising out of any cause and loss or damage to any safe or strong room specified in the schedule. Under this section the following is covered;

• Cash In Transit
• Cash In premises during working hours
• Cash in premises outside business hours
• Cash In hands on Directors/ Principle
• Damage to safe
• Estimated Annual Carry

1. 8. SECTION SEVEN: FIDELITY GUARANTEE

This section Provides cover against fraud or dishonest committed by one’s employees.

9. SECTION EIGHT: WORKER’S INJURY BENEFITS COVER

This is a compulsory cover that compensates employees for work related injuries and diseases contacted in course of their employment and for connected purposes. Benefits: Death                                                             : 96 months earnings Permanent Total Disablement                   : 96 months earnings Temporary Total/ Partial Disablement     : Actual weekly earnings up to 52 weeks Medical                                                         : Ksh.100, 000/- Funeral Benefit                                             : Ksh.30, 000/- Cover Limits: Any One Person                                           : 4,000,000/- Any One Occurrence                                : 25,000,000/- Any One Year                                              : 50,000,000/- Please note that Section One can be taken up as a standalone policy. However any other sections must be taken together with Section Two.