To ensure the welfare and operational readiness of its personnel, the Government of Kenya provides a robust dual-insurance framework for the National Police Service (NPS) and Kenya Prisons Service (KPS). This safety net is divided into two primary schemes: comprehensive health coverage and life/injury protection.
The comprehensive health coverage scheme is currently provided by APA Insurance until 31st March 2026, covering officers, one spouse, and up to five children. It includes inpatient, outpatient, maternity, dental, optical, and last expense benefits.
On the other hand, the life/injury protection scheme is provided by Britam Life Assurance Company (K) Ltd. The scheme includes last expense coverage, group life assurance, Work Injury Benefits Act (WIBA) and Group Personal Accident (GPA) for injuries or death occurring both in the course of duty and outside official working hours.
The Work Injury Benefits Act (WIBA) and Group Personal Accident Scheme collectively cover:
Accidental Death Benefit, which covers accidental injuries leading to death in the course of employment.
Permanent Total Disability Benefit, which takes care of a condition where a member is no longer able to work due to sustained injuries.
Temporary Total Disability Benefit, which covers a member when they are completely unable to perform any job functions on a temporary basis due to work-related injuries and have been signed sick off by their attending doctor.
Medical Expenses Benefit, which refunds out-of-pocket medical expenses reasonably incurred by a member as a result of an accident that leads to injury in the course of their employment. This covers medical expenses (including treatment travel costs) that are not covered by any other medical insurance cover.
Occupational Psychiatric Disease Benefit, which covers occupational psychiatric illnesses that lead to loss of employment.
The National Police Service encourages officers to take advantage of the nationwide sensitisation windows, attend the sessions in their designated locations, and freely interact with the sensitisation team to gain a deeper understanding of the schemes.
The sensitisation programmes were carried out today in Nairobi, Webuye, Trans Nzoia, Kitui, Bomet, Mombasa and Nyahururu.
By Anthony Solly
