Crescent Insurance
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Empowering Your Workforce with WIBA & Comprehensive Benefits

Ensure 100% legal compliance with the Work Injury Benefits Act (WIBA) while fostering staff loyalty with Group Life, Personal Accident, Last Expense, and Pension Schemes.

WIBA Statutory Schedule Group Life & GPA
Kenyan Corporate Office and Workplace Planning

i. Work Injury Benefits Act (WIBA)

This is a compulsory policy designed to cover the employees of the Insured while on duty and engaged in the execution of the Insured's business and/or any project undertaken by the Insured.

Mandatory Benefits Covered Include:

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Accidental Death: Payout equivalent to 96 months' earnings subject to statutory limits, released to designated next-of-kin.
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Permanent Total Disability (PTD): Up to 96 months' earnings for loss of limbs, sight, or permanent occupational impairment.
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Temporary Total Disability (TTD): Periodic wage compensation (up to 52 weeks) while employee is temporarily off-duty recovering.
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Medical Expenses: Comprehensive hospital treatment, surgical costs, and medicine bills incurred as a result of workplace injury.
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Funeral Expenses: Immediate lump sum cash allowance to assist the bereaved family with funeral arrangements.
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Corporate Workforce Team

ii. Group Personal Accident & Group Life

Extend coverage beyond the physical workplace so employees are protected 24 hours a day, 365 days a year anywhere in the world.

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Group Personal Accident (GPA)

Provides financial compensation to employees in the event of death, bodily injuries, or disabilities caused solely by accidental, external, violent, and visible events.

  • ✓ 24-hour worldwide cover (on duty and off duty)
  • ✓ Accidental medical expenses reimbursement
  • ✓ Artificial appliances (crutches, wheelchairs, prosthetics)
  • ✓ Weekly income replacement during recovery
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vi. Group Life Insurance

A compassionate life policy taken out by an employer on his employees that pays an agreed benefit amount to the named beneficiaries in the event of death in service from any cause (accidental or illness).

  • ✓ Death in service benefit (typically 3x to 5x annual salary)
  • ✓ Critical illness benefit rider (Cancer, Stroke, Heart attack)
  • ✓ Permanent total disability (accelerated benefit)
  • ✓ Ensures dependents' education and lifestyle continuity

iii. Last Expense & iv. Pension Plans

Last Expense / Funeral Cover

This is a stand-alone cover taken out for your employees that pays out an agreed lump sum amount (e.g. KES 100,000 to KES 500,000) within 48 hours of death of an insured employee, spouse, or biological child to support burial and funeral costs.

iv. Pension Plans & Retirement Arrangements

Pension plans are investment arrangements that allow an individual or company workforce to allocate a portion of their monthly earnings to accumulate over time and provide them with steady, secure income after retirement.

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Tax Deductibility: Contributions enjoy tax exemptions up to statutory KRA thresholds.
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Compound Investment Growth: Managed by licensed RBA fund managers for competitive compounding interest.
Pension Advisory Crescent

vii. Fidelity Guarantee & viii. Travel Insurance

Protect company treasury against dishonest employee acts and provide overseas travel protection for mobile teams.

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Fidelity Guarantee Insurance

Designed to provide financial protection to an Employer against the risk of direct loss of money or property sustained as a result of acts of fraud, theft, forgery, or dishonesty by an employee in the course of employment.

  • ✓ Direct embezzlement and safe robbery
  • ✓ Payroll tampering and fraudulent invoice approvals
  • ✓ Named-employee or blanket floating coverage
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Corporate Travel Insurance

For corporate employees travelling overseas to subsidiaries, international conferences, or overseas branch offices.

  • ✓ Loss of passport, wallet & essential documents
  • ✓ Flight delay, cancellation & missed connections
  • ✓ Total loss or delayed arrival of checked luggage
  • ✓ Overseas medical expenses & hospital allowances
  • ✓ Emergency international medical evacuations

How Crescent Handles Your Employee Claims

We shield employers from statutory penalties under the Directorate of Occupational Safety and Health Services (DOSHS).

1

DOSH Part I Notification

We supply and assist your HR team in completing the official DOSH 1 workplace injury notification form within 24 hours.

2

Accredited Medical Assessment

The injured worker is evaluated by an approved Occupational Health doctor for medical stabilization and impairment rating.

3

DOSH Part II Award Calculation

The Directorate issues the official statutory compensation award. Crescent verifies math and forwards directly to underwriter.

4

Cheque Discharge & Release

Settlement cheques are released to the injured worker, fully discharging the employer from civil court exposure.

👥 COMPLIANCE AUDIT FOR KENYAN BUSINESSES

Ensure 100% WIBA Compliance & Empower Your People Today

Avoid costly Ministry of Labour penalties and lawsuits. Send us your staff headcount and estimated monthly payroll for a confidential, customized WIBA & GPA proposal.

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