Pupils Personal Accident
24-hour accident cover for learners from nursery to university — at school, at home, travelling and during sports.
One-time deposit from Ksh 467 + Ksh 100 / month
For parents, guardians and schools covering learners aged 3 to 25:
- Nursery, primary and secondary school pupils
- College and university students
- Individual enrolment by a parent or guardian
- Whole-school or class enrolment by a school
What you get
- Accident medical expenses
- Accidental death benefit
- Permanent disability benefit
- Funeral expenses benefit of Ksh 20,000 on all plans
- Dental and optical benefits following an accident
- Artificial appliances following an accident
- 24-hour cover: at school, at home, travelling and during sports
What it costs
Five plans to choose from. Every plan has a one-time deposit per child plus a monthly subscription of Ksh 100.
| Plan | One-time deposit | Monthly | Accidental death | Permanent disability | Accident medical | Artificial appliances | Dental treatment | Funeral expenses |
|---|---|---|---|---|---|---|---|---|
| Plan 1 | Ksh 467 | Ksh 100 | Ksh 50,000 | Ksh 50,000 | Ksh 40,000 | Ksh 25,000 | Ksh 10,000 | Ksh 20,000 |
| Plan 2 | Ksh 600 | Ksh 100 | Ksh 75,000 | Ksh 100,000 | Ksh 60,000 | Ksh 30,000 | Ksh 10,000 | Ksh 20,000 |
| Plan 3 | Ksh 723 | Ksh 100 | Ksh 100,000 | Ksh 200,000 | Ksh 70,000 | Ksh 35,000 | Ksh 10,000 | Ksh 20,000 |
| Plan 4 | Ksh 979 | Ksh 100 | Ksh 150,000 | Ksh 400,000 | Ksh 100,000 | Ksh 40,000 | Ksh 10,000 | Ksh 20,000 |
| Plan 5 | Ksh 1,280 | Ksh 100 | Ksh 200,000 | Ksh 500,000 | Ksh 150,000 | Ksh 50,000 | Ksh 10,000 | Ksh 20,000 |
Our team confirms every figure in writing before you pay.
Policy notes
- For children under 18, the accidental death benefit is limited to Ksh 100,000.
- Children under 5 are covered for road risks only.
- Premiums shown include taxes.
Enrolling a child requires the consent of a parent or legal guardian. We collect only the details needed to register and cover the child.
How to join
- Pay the one-time registration fee of Ksh 200
- Choose a plan (1–5) and pay the one-time deposit per child
- Pay the Ksh 100 monthly subscription per child
How to claim
- Report the accident to us by phone or WhatsApp on 0739 130 026 as soon as possible
- Keep medical reports, receipts and the police abstract where relevant
- A parent, guardian or school contact person signs the claim documents for minors
Waiting periods and exclusions
This is accident cover, not illness cover. The benefit rules for under-18s and under-5s above are part of the policy. Ask for the full policy document before enrolling.
Who provides this benefit
Hikri Companion is a welfare-based organisation that arranges cover for members. Before you pay, we share in writing who provides the benefit for this plan, the exclusions that apply and the waiting periods — ask our team and we will show you the terms.
Ready to join Pupils Personal Accident?
Registration is a one-time Ksh 200. We confirm everything in writing before you contribute.