Combined Solution Cover is a comprehensive insurance policy that integrates multiple types of insurance coverage into a single package, offering businesses enhanced convenience, efficiency and cost-effectiveness in managing their insurance needs.

Our Combined Solution Cover integrates Group Life, Group Personal Accident and WIBA (Work Injury Benefits Act) covers into a single, robust policy, ensuring holistic protection and compliance with legal requirements.

Scope of Coverage

The Ultimate All-in-One Protection Plan

Comprehensive Coverage: Seamlessly combines Group Life, Group Personal Accident and WIBA covers, providing extensive protection for your employees.

WIBA Compliant: Fully adheres to WIBA regulations, ensuring legal compliance and peace of mind

Robust Protection

Inclusive Safety Net: Offers comprehensive liability coverage for death from natural, accidental or occupational causes, safeguarding your workforce in all scenarios

Flexible and Competitive Pricing

Tailored Rates: Benefit from competitive pricing based on a schedule or agreed rates, ensuring affordability and value

Documents required for Onboarding

  • Executed scheme proposal form

  • Copy of certificate of incorporation/registration

  • Copy of KRA PIN

  • Membership data including full names, dates of birth, ID numbers and individual salaries

Frequently Asked Questions

? What is a combined insurance cover in Kenya

Combined Solution Cover is an integrated insurance plan that bundles Group Life, Personal Accident, and WIBA coverage into a single policy for employers in Kenya.

? What are the benefits of bundling group life and WIBA insurance?

Bundling Group Life and WIBA insurance provides comprehensive employee protection both at work and beyond, simplifying policy management under one provide. It also reduces the overall premium costs through discounts, while enhancing your employee benefits package to improve retention and satisfaction.

? Is combined insurance policy cheaper for businesses?

A combined insurance policy is often more cost-effective for businesses. By bundling multiple covers like Group Life and WIBA under one policy, insurers typically offer discounted premiums, streamlined administration, and reduced overheads—resulting in overall savings and better value for employers.

? Why should businesses choose combined insurance over separate policies?

Bundled insurance plans simplify compliance, reduce costs, and offer broader coverage compared to purchasing separate policies.

? Is Combined Solution Cover compliant with WIBA regulations in Kenya?

Yes, the cover includes WIBA benefits and adheres to the Work Injury Benefits Act (WIBA), ensuring legal compliance for Kenyan employers.

? What is the difference between Group Life, WIBA, and Personal Accident insurance?

Group Life provides life cover, WIBA covers workplace injuries, and Personal Accident protects against accidental injuries outside work. Combined Solution Cover integrates all three.

? Who should apply for Combined Solution Cover?

Businesses, NGOs, or institutions looking to protect employees with a single, cost-effective policy that meets legal and organizational needs in Kenya.

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