Get an employer a one stop solution for employee insurance

WIBA Insurance Policy

Wiba Insurance Policy

The name avers the source of the requirement of the WIBA Insurance policy. The Act came into effect in December 2007 and has variously been challenged and amended.

This is a combination of the workmen injury benefit act (WIBA) and Group Personal Accident (GPA) covers, intended to give an employer a one stop solution for employee insurance. It addresses the workplace risk as well as off-duty risks

While payout under the WIBA section is standard as per the Act, benefits under the GPA cover can be tailored to suit individual needs – say multiplier on 3, 5 or 8 years.

Work Injury Benefit as set out by an Act of Parliament. Every employer is bound to compensate employees for any death / injury while on duty. Payment is for Death, Disability, and Medical expenses and funeral costs.

The Labour office administers all claims under this act and directs the employer on amounts payable.

However the Act requires that all employees are insured for the under noted benefits should the injury arise while the staff is at work:
Description of Liability Limit of Compensation

Liability Limit of Compensation
1. Death Multiple of Annual Salary
 2. Permanent Total Disability Multiple of Annual Salary
 3. Temporary Total Disability Based on actual weekly salary
Up to a Maximum of 104 Weeks For Each
 4. Medical Expenses Limit of Choice


  • Proposal form
  • Schedule of employees showing job type and annual salary

Ready to start?

Download form

Downloading the application form, then fill it out, and present it to your nearest GA Insurance office, together with the required documents.