Workers Injury Benefits Act

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WIBA - Workers Injury Benefits Act

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

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Benefits to the company 

  • Compensates employees in case of death, injury and disease contacted in the  cause of employment and for connected purposes –death or permanent disability, the compensation is for 96 months earning
  • Weekly earnings following an accident (Actual earnings up to 52 weeks)
  • Medical expenses up to a specified limit
  • Last expense


  • Duly completed and signed proposal form
  • Company certificate of registration
  • PIN certificate for the company
  • Cover limits
  • Names, category/positions and annual salaries of the insured

Target Group

This policy is ideal for:

All employers, whether employees are permanent or temporary.

How To File A Claim

  1. Original Dosh 1 forms from ministry of Labour offices
  2. Original medical bills from the attending hospital
  3. Medical report signed by the doctor
  4. Sick off sheets from the employer
  5. Appointment letter of the claimant by the employer
  6. Copy of I/D of the claimant
  7. A report from the insured’s Health and safety committee
  8. Claim Reference no.
  9. Risk note