Work Injury Benefits Act (WIBA)

The Work Injury Benefits Act, 2007, provides for compensation to employees for work related injuries and/or diseases contracted in the course of employment. The ACT applies to all employees, including government employees, except those in the armed forces, in the same way and to the same extent as if the government were a private employer.

The Following Are Not Regarded as Employees Under This ACT

Any person employed outside of Kenya for a continuous period of 12 months and more.
A member of the employer’s family dwelling in the employer’s house and not for the purpose of employment.
A member of the armed forces as defined in the armed forces Act.

This is the Procedure for WIBA Claims

The employer is required to report the details of an accident in respect of an employee to the Director of occupational Safety and health Services in the prescribed manner within two days for fatal incidents & seven (7) days for others.
Claim for compensation must be lodged in 12 months. An employer or insurance company against whom a claim for compensation is lodged by the director shall settle the claim within 90 days of the lodging of the claim.
The director shall within 30 days of receipt of the money claimed pay the money to the employee who made the claim or his/her dependents.

Note: If an employee who is ordinarily employed in Kenya is injured in an accident while temporarily deployed outside Kenya, the employee is entitled to compensation as if the accident happened in Kenya. However, this does not apply to an employee who has been deployed outside Kenya for continuous period of more than twelve months.

How to get started

Go to the form availed below to sign up.
Fill in your details.
Submit the details. A representative from our team will give you a call.

Frequently Asked Questions

Who is Equity Bancassurance Intermediary Limited?

This is a wholly owned subsidiary of Equity Bank Limited offering bancassurance products and services to the public
What is the process of signing up for your insurance products and services?

You can obtain insurance products and services from your nearest Equity Bank branch where you will be assisted by our bancassurance officer.
What are some of the products offered by Equity Bancassurance Intermediary Limited?
Micro Insurance
- A product that provides all risks cover to Chattels and business stocks
Medical Insurance
- We have two off the shelf flagship products namely Equihealth and Equimed.
- We also tailor make corporate medical covers
- We also offer medical scheme administration.
Motor Insurance
- A wide range of product offering which includes, motor cycle, motor private, motor commercial and institutional buses.
General non motor insurance
- This includes Fire and perils, Burglary, All risks, Fidelity Guarantee, Political Violence and Terrorism, Money Insurance, Work Injury Benefits Act (WIBA), Group Personal Accident, Marine, Public Liability, Travel Insurance among others.
Agriculture insurance
- We offer livestock insurance and Crop insurance against the insured perils.
Credit life assurance
- This policy pays off the outstanding loan amount in the event of unfortunate Death or Permanent Total Disability (PTD) of a borrower.
In the event of a claim, how do I get compensated?

Immediately report to your bancassurance officer or to your nearest Equity Bank branch. Our bancassurance officer will assist you fill a claim form and give you a step-by-step advice on the claim process and the time it will take to settle the claim.
Where can you access insurance services?

You can obtain insurance products and services from your nearest Equity Bank branch.
What should I have when going to buy a motor insurance cover at my Equity Bank branch?

When coming to buy motor insurance, kindly carry your driving licence and a copy of the logbook
What happens if I cannot raise the premium for the motor insurance at once?

In this case we have a flexible payment arrangement that can be obtain from your Equity bank branch
Can I access medical care as soon as I’m on cover for Equimed and Equihealth?

Yes, for accidental cases, you can start immediately utilizing the card. Additionally, you will start to access other benefits as well in line with set waiting periods.
Complaints Handling Process
- Lodge complaint at any of our branches, via call center, info@equitybank.co.ke or website: https://equitygroupholdings.com/ke/ We will record your feedback and issue you with a reference number.
- We will acknowledge you feedback within 48hours.
- If we cannot resolve the complaint immediately, we will advise on the next cause of action and when to expect feedback from us.
- We will endeavor to resolve the complaint within 7 working days. However, should we require more time to it, we will keep you updated with progress every 7 days until the complaint is resolved.
- Should the resolution not meet your satisfaction, feel free to get back to us with your concerns and we will review the issue and resolution and revert back to you.
Rights and obligations

• T & Cs of products are available on website and as part of account opening form.
• Data privacy policy included in customer onboarding and account opening forms"
Transaction Process

Once all the documents are availed the customer can pay in cash, three consecutive installments or through insurance premium financing.
If cancer is diagnosed and I’m on Core level plan are the outpatient appointments covered?

From the date an insured person is diagnosed as suffering from cancer, whether it is in its acute, or chronic or terminal stage, all and any treatment received thereafter on an in-patient, day-care or out-patient basis involving: consultations, diagnostic tests, scans, investigations, prescribed drugs and dressings, chemotherapy, radiotherapy, stem cell transplants (from either bone marrow or blood), cold cap therapies, routine management and palliative treatments; will be assessed and paid for under this item. Eligible costs incurred up to the point of diagnosis are not paid under this item of your policy.

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