- Author: Raymond
- Category: Insurance in Kenya
WIBA vs. GPA: Decoding the Essential Employee Covers for Kenyan Employers
As a conscientious employer in Kenya, ensuring the well-being of your workforce is not just a moral obligation but also a legal requirement. When it comes to employee insurance, two key acronyms often surface: WIBA and GPA. Understanding the distinction between these two is crucial for safeguarding your business and, more importantly, your valued employees. In this blog, we, at Imana Insurance Agency Kenya Ltd, will break down the differences to help you make informed decisions for your team.
What is WIBA? The Unwavering Legal Mandate
WIBA, which stands for Work Injury Benefits Act, is a compulsory insurance cover for all employers in Kenya as stipulated by the Work Injury Benefits Act of 2007. The primary purpose of WIBA is to provide compensation to employees for work-related injuries and diseases contracted in the course of their employment.
Key Features of WIBA:
- Mandatory by Law: Every employer, regardless of the number of employees, must have a WIBA policy in place. Non-compliance can lead to significant legal penalties.
- Work-Related Incidents Only: This policy strictly covers injuries, illnesses, or death that occur while an employee is on duty. It does not extend to accidents or incidents outside of working hours.
- Defined Benefits: The compensation under WIBA is determined by the Act and is typically calculated based on the employee's earnings. This includes benefits for death, permanent or temporary disability, and medical expenses related to the work injury.
What is GPA? The All-Encompassing Shield
GPA, or Group Personal Accident, is a more comprehensive insurance policy that covers employees against accidental death, disability, and medical expenses on a 24-hour basis. Unlike WIBA, GPA is not a legal requirement but is often offered by employers as an added benefit to attract and retain talent.
Key Features of GPA:
- 24-Hour Coverage: The most significant advantage of GPA is that it covers employees around the clock, both on and off the job. This means your team is protected during their commute, at home, and during their personal time.
- Broader Scope: GPA covers a wider range of accidental incidents that may not be work-related.
- Customizable Benefits: The benefits under a GPA policy are not fixed by law and can be tailored to the specific needs of your organization. Employers can choose the level of cover, including multiples of the employee's salary for death or permanent disability benefits.
The Key Differences at a Glance: WIBA vs. GPA
Feature | WIBA (Work Injury Benefits Act) | GPA (Group Personal Accident)Legal Status | Mandatory for all Kenyan employers. | Optional, offered as an employee benefit.
Coverage Scope | Strictly work-related injuries and illnesses. | 24-hour coverage for accidents, both at work and outside of work.
Benefit Determination | Prescribed by the Work Injury Benefits Act, 2007. | Flexible and can be customized by the employer.
Territorial Limit | Typically within the borders of Kenya. | Can offer worldwide coverage.
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The Best of Both Worlds: WIBA Plus
Recognizing the limitations of WIBA and the enhanced protection of GPA, many insurance providers now offer a combined policy often referred to as "WIBA Plus" or "WIBA/GPA." This integrated solution provides the legally required work-injury cover and extends it to a 24-hour personal accident cover, offering comprehensive protection for your employees at all times.
Why Choose Imana Insurance Agency Kenya Ltd?
Navigating the complexities of employee insurance can be daunting. At Imana Insurance Agency Kenya Ltd, we are your trusted partners in crafting the perfect insurance solutions for your business. We help you:
- Compare and Buy: We assist our clients in comparing various WIBA and GPA policies to find the most suitable and cost-effective options.
- Ensure Compliance: We ensure that your WIBA policy is fully compliant with Kenyan law, giving you peace of mind.
- Tailor-Made Solutions: We understand that every business is unique. Our team of experts will work with you to create a customized insurance package that meets your specific needs and budget.
Protecting your employees is one of the most critical investments you can make. It fosters a safer work environment, boosts morale, and safeguards your business from unforeseen financial strain.
Ready to secure your team and your business?
Contact Imana Insurance Agency Kenya Ltd today for a free consultation and quote.
Call/WhatsApp: +254796209402 | +254745218460 | +254113619635 | +254103806588 | +254113806810 Website: www.imana.co.ke or www.mykava.co.ke Visit Us: 4th Floor, Krishna Centre, Woodvale Grove. Westlands, Nairobi, Kenya
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