CIC Blog

Why you need a Personal Accident cover

The festive season is here with us, again. As is always the norm, many people travel upcountry to spend the holiday with their families. Still, others find time to sample the various tourist destinations that Kenya has to offer to the locals as well as foreigners. Most people travel during the festive season because it is the only time a number of companies close down and allow employees to take leave. Holiday seasons are usually characterized by high bus and air fares, and because of that, a majority of the Kenyan populace can only afford to travel once a year.

The World Health Organization (WHO), back in 2014, estimated that Kenya loses about five percent of its GDP or Sh387.5 billion to traffic crashes. The figure was expected to rise and be above the global average of three percent. Though Kenya loses an average of 3,000 lives through road accidents annually, placing it among countries with the highest road carnage globally, the accidents tend to rise during the festive season. According to the National Transport and Safety Authority (NTSA), road accidents claimed 180 lives in the first two weeks of December last year. The situation is worsened by fatigued drivers travelling long distances, and those engaging in a mad rush to make as many trips as possible. This, coupled with the flagrant violation of the traffic rules, including driving defective personal and public service vehicles, as well as drunk driving, has led to accidents that have left many killed or maimed.

The emotional trauma associated with accidents cannot be ignored. Accidents don’t only affect your physical health. A crash can seriously impact your mental health as well. Many people ignore the symptoms of their emotional injuries from a car accident or don’t recognize the accident as the cause of the problem. Quickly identifying stress-related emotional trauma after an accident and getting treatment is critical for your overall mental health and overall well-being. The most common emotional trauma conditions caused by accidents are: anxiety, Post-Traumatic Stress Disorder (PTSD), memory loss, depression and sleep disorders.

Whereas accidents cannot be predicted, it behooves all travelers to take an insurance cover to guard against any risks that might befall them on the roads or while airborne. This includes long periods of hospitalization, disability or death. At CIC, we have a culture that incorporates empathy with accident victims. Besides affordable premiums, CIC Insurance Group offers a benefit of up to Sh 10 million in the unfortunate incident of death or permanent disability. This comes in the form of lump sum payments.
A closer observation of the CIC Personal Accident Policy reveals that it also provides for monetary payments in the event of bodily injury sustained by the insured. It covers injury caused by violent, accidental, external and visible means subject to the option selected by the insured. The full range of the products covers the risk of death, permanent disability, temporary disability, medical expenses, funeral expenses, trauma counselling and physiotherapy expenses. In addition, there are covers available to children only, including dental expenses and artificial appliances. Then there is the CIC Jilinde Personal Accident Policy – which is a customized Personal Accident Cover for Micro Enterprises that provides monetary payments in the event of bodily injury sustained by the insured.
Over the years, CIC Insurance Group, in tandem with our tagline, “We Keep our Word” has maintained a record of prompt settlement of claims. In the event of a road accident the insured or their beneficiaries should notify the company as soon as possible. In addition, vital documents such as a police abstract in the case of an accident or assault, physical examination reports, original medical receipts, death certificate and burial permit must be submitted to the insurance company.