These policies provide the insured with cover against any accidental injury and or death as a result of the insured risks either occupational or non-occupational. WIBA is a mandatory policy to all employees within the age bracket up to 65 years. The resultant compensation is usually payable to the insured or to their legitimate next of kin(s) as per the policy. Please consult Nivarna Africa Insurance Brokers for a quote regarding WIBA and or Personal Accident.