Personal Accident Insurance Cover for the Internship Period (Kenya)
Whether you’re a university student heading for industrial attachment or a parent preparing your child for fieldwork, personal accident insurance for interns is no longer a nice-to-have — it’s a necessity.
This guide breaks down everything you need to know about Personal Accident Insurance for Kenyan students during internships in 2025, and how to get affordable, reliable cover with Step by Step Insurance.
🔑Key Takeaways
- Personal accident insurance is essential for students during internships
- Coverage starts from as low as KES 350 for 3 months
- Protection includes death, disability, medical expenses, and funeral cover
- SHIF doesn’t cover accident-related disabilities or funeral expenses
- Group coverage available for institutions and universities
📋Table of Contents
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✅What Is Personal Accident Insurance for Interns?
Personal Accident Insurance provides financial compensation in the event of accidental injury, disability, or death. It’s designed to protect students during high-risk periods like industrial attachment, field training, and internships.
Unlike SHIF or general medical insurance, this cover responds specifically to accidents — whether they occur on the job, in transit, or even off-site during the internship period.
📍Why Interns in Kenya Need This Cover
Many students:
- Work in environments with practical or physical risk (labs, field sites, hospitals, etc.)
- Use public transport regularly
- Are not covered under employer or institutional medical plans
- Are exposed to risks of slips, falls, burns, cuts, or accidents
And when accidents happen, they can be both emotionally and financially devastating.
💼What Does Personal Accident Cover Include?
At Step by Step Insurance, we’ve made it simple and accessible for students with three affordable benefit tiers:
📦Benefit Options Breakdown
| Benefit | Option 1 | Option 2 | Option 3 |
|---|---|---|---|
| Death | KES 100,000 | KES 200,000 | KES 300,000 |
| Permanent Total Disability (PTD) | KES 100,000 | KES 200,000 | KES 300,000 |
| Accidental Medical Expenses | KES 40,000 | KES 50,000 | KES 50,000 |
| Artificial Limbs (Prosthetics) | KES 20,000 | KES 30,000 | KES 40,000 |
| Last Expense (Funeral Cover) | KES 25,000 | KES 50,000 | KES 75,000 |
💰Premiums: Affordable Student-Friendly Pricing
Whether your internship lasts a few months or an entire year, we’ve got a plan for you:
| Internship Period | Option 1 | Option 2 | Option 3 |
|---|---|---|---|
| 3 Months | KES 350 | KES 550 | KES 650 |
| 6 Months | KES 500 | KES 800 | KES 1,200 |
| 12 Months | KES 800 | KES 1,300 | KES 1,750 |
📄How to Apply for Internship Accident Cover
Applying is quick and easy with Step by Step Insurance:
- Choose your coverage option based on your internship duration and needs
- Submit a quick application via our online form or office
- Pay your premium via mobile money or bank
- Receive your digital certificate of cover — valid for the entire internship period
✅ Institutions can also request group covers for multiple students.
🧑🏫For Universities, Colleges & Institutions
If you’re a school, TVET, or university sending students on industrial attachment:
- Offer group protection at discounted rates
- Boost your institution’s credibility
- Ensure compliance with host company requirements
- Show commitment to student welfare and safety
Step by Step Insurance works closely with academic institutions to create customized bulk plans for interns across Kenya.
🔗Related Articles & Resources
🙋Frequently Asked Questions (FAQs)
🏁Final Thoughts: Don’t Start Your Internship Without Cover
Your internship is the beginning of your professional journey. Don’t let one accident ruin your momentum — or your future.
With cover starting from as low as KES 350, Personal Accident Insurance is one of the smartest investments you can make in 2025.
📲Ready to Get Covered?
Protect your internship. Protect your future.
