1.What is insurance?

Insurance is a mechanism through which persons transfer risk(s) to insurance companies at a fee called premium.
The insurance companies in return promise to pay for the insured loss should it occur.

2.How many forms of insurance are there?

There are two forms of insurance namely life (long term) and general (short term).
Life insurance are contracts for more than one year while general insurance contracts are for one year or less.

3.Can I cancel my policy if I am not satisfied with the terms and conditions?

Yes. Under life insurance policy this action must be taken within the first thirty days after receiving the policy document.
In case you cancel the policy within the thirty days, you will be refunded the whole premium paid less withholding tax.

Regarding general insurance business, cancellation of the policy will lead to a prorata refund of the premiums so far paid.

4.What happens to my policy if I fail to pay premium?

Failure to pay insurance premiums as stipulated in the policy amounts to breach of policy terms and conditions and leads to the termination of the contract.

5.What happens to my policy if an insurance company collapses?

If you have a life insurance policy and the insurance company is closed down, your policy remains valid and you should continue paying policy premiums throughout the remaining term of the policy. Failure to continue paying premiums leads to termination of the policy by the insurance company.
You have the right to claim under the policy immediately the policy matures.

6.How do I make an insurance claim?

You will need to report any loss or damage to the insurance company in time and ensure that you submit all the necessary documents requested by your insurance company. You are required to co-operate with the insurance company to facilitate the smooth handling of the claim.

7.What if the insurance company declines to pay my claim?

In the event of a dispute between you and your insurance company you can contact IRA through the contacts below.

8.Can I insure my property with more than one insurer?

No. Insurance contracts are guided by principle of indemnity which requires that the policyholder should be taken back to the financial position they were immediately before the loss occurred.
Insuring the same property e.g. a house with more than one insurer so as to be paid twice should the insured loss occur amounts to gaining unduly from the contract.

9.Can I insure my life with more than one insurer?

Yes. You can insure your life with more than one insurer. This is because life cannot be valued.

10.Can I sell my vehicle together with its insurance cover?

No. Motor Insurance policies are not transferable because they are personal in nature.

11.What is insurance premium tax relief?

Insurance Premium Tax Relief (IPTR) is a benefit offered by the Government to all life insurance policyholders.
Under the relief, the employer is required to pay premiums to the insurer less the 15% relief. IPTR became effective in 1993 and is not applicable retrospectively.

12.How do I follow my insurance tax reliefs?

Only employees who are subject to PAYE tax can claim the 15% Insurance Premium Tax Relief.
The tax-paying life policyholder should obtain an annual insurance premium contribution certificate from the insurer and submit a copy of the same to the employer.
The certificate should be accompanied with a letter from the policyholder seeking for the relief.
The employer is expected to effect the relief through the payroll by submitting the premium to the insurer net of the 15% relief.

For premiums already paid to the insurer without deducting the relief, employees are requested to write to KRA seeking the refund. For self-employed individuals, request for the 15% Insurance Premium Relief is made through the annual tax returns through submitting the annual premium contribution certificate to KRA who will then compute the refund.

13.Does motor vehicle comprehensive policy cover the driver and or the owner?

No. As the name suggests, Motor Vehicle Comprehensive policy only protects damage or loss to the motor vehicle and any claim made by the third parties. As such the policy does not pay any claim for loss or damage made by the policyholder.
Policyholders are therefore advised to buy separate insurance to protect them against losses arising from the use of the vehicle.

14.Can I drive a vehicle without motor vehicle insurance in Kenya?

No. Motor Third Party Risks cover is compulsory in Kenya. Driving without this insurance is illegal in Kenya.


1.How can I apply for a motor insurance policy?

2.What if I have to make a motor insurance claim?

If you need to make a car insurance claim, simply call 0797333888 and a friendly, professional will help you with the claims process.
We will aim to have all claims processed promptly and to make the process as easy as possible.

3.How can I pay for my motor insurance?

For your convenience and security, you can pay for your insurance securely via mpesa through the insurer’s pay bill, cheque to insurance company or direct cash deposit into the insurers’ bank account, number that we will provide once you settle on a policy and premium.

4.What is the difference between comprehensive and third party car insurance?

Comprehensive car insurance offers the highest level of cover. It provides cover for accidental loss of or damage to your car, as well as cover for your legal liability for loss or damage to other people's property caused by a car accident which is partly or fully your fault.

Third party cover is the most basic level of cover we offer. It provides cover for your legal liability for loss or damage to other people's cars or property caused by a car accident which is partly or fully your fault. It also provides a limited amount of cover for your car if it is damaged in an accident with an uninsured vehicle, where you are not at fault.

For the standard terms, conditions, limits and exclusions of cover, please refer to the Motor Insurance Product Disclosure Statement.

What personal effects will be covered by my comprehensive car insurance? ‘Personal effects’ are personal items which are designed to be worn or carried, like phones, jewellery, laptops, tablets etc, but do not include items such as money, credit cards or personal music devices.
With comprehensive car insurance you will be covered for accidental damage to or theft of your personal effects resulting from a covered accident.

5.Will I have to pay an excess if I make a claim on my motor insurance?

Any excess which you have to pay on a claim will be set out in your policy documents. Payment of an excess helps to reduce the number of small claims, so it’s one of the ways in which your insurer keeps the cost of your premium down.
You may also be able to lower the cost of your comprehensive car insurance by choosing a higher basic excess

6.What is sum assured?

It is the amount for which the life assured is initially covered under the policy.
Sum assured amount is mentioned in the policy schedule attached to the policy documents.
In certain unit linked policies sum assured keeps growing annually through a feature called indexation.

You won’t have to pay any excess if you are not at-fault in an accident with another vehicle, where you can provide your insurer with the name and contact details of the other driver, and the claimable loss is recoverable by your insurer.

Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

Minimum premiums may apply Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts may not be applied to the premium for optional covers.


1.What is health/medical insurance?

Health insurance is a type of coverage that can protect you from the full expense of regular health care, as well as the costs of medical and surgical procedures.
In exchange for paying a premium, your insurance company will cover the costs of your healthcare and certain types of medical procedures.

2.What does medical insurance cover?

Health insurance can cover a variety of things, from your regular check-ups and family care to your major medical expenses.
The types of services that are covered will vary with different healthcare providers and plan types, so it is important to determine your needs before buying a specific health insurance plan.

3.How does medical insurance work?

Health insurance can help you pay for your regular healthcare costs as well as your major medical expenses, depending on the type of plan you choose.
You will pay a premium of some kind, based on your plan and coverage, whether you get your health insurance through your employer or privately. Depending on your type of plan, you may have co-pays, deductibles and coinsurance.

4.Why Is Health Insurance So Important?

Health insurance helps you to manage the costs of your family's care, including regular doctor's visits and unexpected illnesses and injuries.
Just one serious illness, or an emergency procedure can have dire consequences for your financial portfolio if you aren’t insured properly.

Health insurance coverage may seem expensive, but if you compare your premiums to the cost of surgery and other medical procedures out of pocket, there’s no question that healthcare insurance premiums are far lower in cost. Also, having adequate health insurance can help you live a healthier, longer life. These policies cover preventive care, which helps you manage your health proactively, and covered routine testing can help with early detection of common conditions and diseases, such as diabetes, heart conditions, and thyroid problems, which can require much more extensive and costly care if they go untreated.

5.What does health insurance cost?

The cost of health insurance depends on several factors. Costs vary based on your plan type, your age, number of dependants.

6.How can you get medical insurance?

Contact CEMES insurance agency. We will assess your needs E.g. Are you prone to illness?
Do you play high impact sports? Or do you have a risky profession?
If you have children, the plan that is most beneficial to you may be different from the ideal plan for someone who is single with no kids.

Then, by comparing plans we can find an affordable healthcare plan that meets your needs.


1.How can I determine whether I need life insurance?

As a general rule, if there are people who depend on you for financial support, like a spouse, children, or aging parents, then you’re a good candidate for life insurance.
If you contribute to your household through cooking, cleaning, or childcare, a policy can account for the costs of replacing that labour.
Additionally, if you have debt that another person will have to assume, like a mortgage or student loan debts, it's a good opportunity to look into life insurance.

2.Who is a life proposed?

Life-Proposed is a prospective customer seeking financial protection of his near and dear ones through investment in a life insurance policy.

3.Who is the policy owner?

Policy Owner is our customer who owns a life insurance policy. The Policy Owner is usually also the Life Assured under the policy.

4.Who is life assured?

The life proposed becomes the life assured once his proposal (application) for insurance is accepted by the company.

5.What is a proposal for insurance?

Proposal for insurance is the application made on prescribed company Performa by the policy owner / life proposed for a life insurance policy from the company.

6.What is sum assured?

It is the amount for which the life assured is initially covered under the policy.
Sum assured amount is mentioned in the policy schedule attached to the policy documents.
In certain unit linked policies sum assured keeps growing annually through a feature called indexation.

7.What is premium?

It is the amount paid by the policy owner for purchase of a life insurance policy.
Subsequently, renewal premiums are paid by due dates or within the grace period to ensure that the policy remains in-force and that the benefits available under the policy remain intact.

8.What are supplementary benefits?

These are additional benefits available to the policy owner / life assured besides the main benefit.
Some additional benefits, such as the accidental death rider and the family income benefit provide for additional payments besides the basic sum assured in the event of a claim.

9.What is a plan illustration?

Plan illustration is the projection of anticipated values & benefits to give an idea to the client what the cash values might be provided rates of returns & profit margins remain as illustrated.
Plan illustration is to be signed and submitted by the policy owner with proposal for insurance at the time of applying for an insurance policy from jubilee life.

10.What is personal financial review?

Personal financial review form is an assessment of the financial worth and financial needs of the life-proposed which is completed by our insurance consultant and signed by the life proposed and submitted along with the proposal form of the life proposed at the time of applying for a life insurance policy.

11.How would I know that my proposal for insurance has been accepted?

If your proposal for insurance has been accepted, you would immediately receive a short message service (SMS) alert on your cellular phone number registered with us, informing you that your proposal for insurance has been accepted. Subsequently you will also receive your policy documents through courier / registered mail.

12.What are policy documents and what do they consist of?

Policy document is the printed and signed insurance contract between the policy owner and jubilee life.
Policy documents consist of the policy schedule, stamp duty page, standard policy conditions and supplementary contracts (if provided for in the policy).

13.What is the importance of original policy documents?

Original policy documents are proof of contract between the policy owner and jubilee life.
Policy documents are required to be submitted at the time of surrender, partial withdrawal (surrender) and for lodging benefit for claim.
Therefore, the documents must be retained in safe custody.

14.What is corporate life insurance?

Corporate Life insurance is term life insurance that extends cover to a group of people usually employees of Companies, Banks, NGOs or members of a union or association for a defined period.
It covers such Groups that exist for purposes other than to purchase insurance.


1.Why should you buy travel insurance from us?

  • Convenience of your Travel cover issuances
  • One-stop shop for your insurance solutions
  • Review and negotiations on various travel insurance products
  • Follow up for speedy facilitation/feedback/settlement of claims by the insurance service provider

2.What happens after I have bought the travel insurance?

You will immediately receive your policy documents by e-mail. You will also receive a confirmation SMS from CEMES INSURANCE AGENCY and from the insurance company.

3.What is covered in travel insurance policy?

  • Emergency Medical and Related Expenses
  • Pre-Existing Emergency Medical and Related Expenses for business & leisure comprehensive
  • Accidental Death and Permanent Total Disablement
  • International Journey Cancellation, curtailment or Extension
  • Personal Liability
  • Hijack & Hostage or Wrongful Detention
  • Luggage Delay or Loss of luggage


1.What is home insurance?

Home insurance cover comes in two parts which you can choose either, based on your needs;

  • Buildings Insurance

    Insures your bricks and mortar for events like fire and weather damage.

  • Contents Insurance
  • Protects your belongings against problems like theft, damage and loss.

Buying a combined policy from the same insurer can often be cheaper than getting two separate policies.

2.Is it essential to have home insurance?

If you’re a homeowner, most mortgage lenders insist you have buildings cover in place to protect their investment.
You don’t usually need buildings cover if you’re renting, but you may want contents insurance to help cover the cost of replacing your things if you suffer a loss.

3.Why would I need to take out a joint home insurance policy?

Adding a joint policy holder allows the other person to make a claim, so it’s not only you who can deal with communications with your insurer.
Under some circumstances it can also lower your premium.

4.What is accidental damage cover and do I need it?

Most insurers define accidental damage as an unintentional one-off incident that harms your property or its contents.
Most standard policies cover key items like home entertainment, but there may be varying exclusions depending on your insurer.
Your need depends on your circumstances; many accidental damage claims come from people with young children.

It’s also important to know what’s covered under your standard policy. Checking the small print is the best way to make sure you’ve got adequate cover.

5.What should I include in my contents cover?

As a rule of thumb, anything you’d take with you if you moved house should be included on your contents policy; including items like curtains and carpets.
It’s worth taking the time to go around your house from room to room and putting a reasonable value on everything.

It’s easy to underestimate the value of your contents, but it’s important to make sure you’re not under-insured.

6.Should I increase my excess to make my policy cheaper?

The golden rule of voluntary excess is to make sure you know what you can afford to pay if you have to make a claim.
The more you agree to pay towards a claim, the less cost there would be for your insurer, so they may reduce your premium accordingly.

But beware; setting an unreasonably high voluntary excess may save you a few shillings on your premium in the short term, but if ever you need to make a claim, you could find yourself with a large bill to settle before your insurer will pay out.

7.If I don't let my insurer know about changes could this affect my cover?

Potentially, yes.

For example, if you’ve told your buildings insurer that your roof is in good repair, they will base your premium on the known risk of storm damage happening to the average roof.

But if, in fact, your guttering is already falling off, or your tiles are coming loose, then there’s a greater than average risk of damage happening during a storm; something your insurer hasn’t covered against on your original premium.

As the full risks weren’t disclosed, you’re effectively insuring higher risks at a cheaper price, which could invalidate your policy and leave you without a pay out in the event of a claim.

8.Can I cover myself against damage by pets?

Most home insurance policies don’t cover damage caused by pets as standard.

9.Does home insurance apply to me if I rent?

As the owner, your landlord will be responsible for the maintenance of the building, so it’s down to them to ensure their property is protected with buildings insurance.

But you’re responsible for any contents inside that you own. If anything were to happen to your possessions, you would liable yourself for the cost of replacing them.

10.What if my situation changes, such as building an extension or buying expensive furniture?

You need to inform your insurer of any changes to your building and/or your contents which may impact on the cover you have.
The key point to remember is that your contract with your insurer is based on mutual disclosure of information; they charge you a “fair” premium, based on the risks you’ve made them aware of. If these risks change, so too does the value of a “fair” premium.

If in doubt, ask your insurer. The time taken for a quick phone call could save any problems that arise in the event of a claim

11.What if I need a quote for an unoccupied property?

If the property you’re quoting for is empty, then on the first page of the quotation process (‘About You’) you’ll need to enter your main home address.

On the second page (‘The Property’) you’ll then need to confirm that the property you’re insuring is not your home address.
You can then select that the property is left unattended for more than 60 days at a time.

Be aware though that an unoccupied home often falls outside the underwriting criteria of our home insurance panel, so you’re likely to receive fewer quotes than usual.

12.Why did my price increase when I went to the insurance provider’s site?

Insurance providers may offer you additional services, such as political violence and terrorism cover or home emergency cover.
If you choose to add any of these to your policy, the price may increase. Your price can also increase if you change any of your details, such as your occupation or your excess amount.
It’s therefore important that you check your policy details carefully to make sure it’s exactly as you entered it on.


1.Why should you buy travel insurance from us?

  • Convenience of your Travel cover issuances
  • One-stop shop for your insurance solutions
  • Review and negotiations on various travel insurance products
  • Follow up for speedy facilitation/feedback/settlement of claims by the insurance service provider

2.What happens after I have bought the travel insurance?

You will immediately receive your policy documents by e-mail. You will also receive a confirmation SMS from CEMES INSURANCE AGENCY and from the insurance company.

3.What is covered in travel insurance policy?

  • Emergency Medical and Related Expenses
  • Pre-Existing Emergency Medical and Related Expenses for business & leisure comprehensive
  • Accidental Death and Permanent Total Disablement
  • International Journey Cancellation, curtailment or Extension
  • Personal Liability
  • Hijack & Hostage or Wrongful Detention
  • Luggage Delay or Loss of luggage


1.What is marine insurance?

Marine insurance is the insurance taken to cover cargo (goods), hull (Vessels such as ships), as well as other incidental losses/liability when transporting goods, in international trade from country to county.
Marine insurance applies to goods transported by sea and air and also extends to road and/or rail to final destination.

2.What is the implication of importing goods on Cost, Insurance and Freight (CIF) terms?

KRA’s customs department will not clear goods from 1st January 2017 without proof of marine insurance from a Kenyan insurance company.
Importers who ship on CIF need to renegotiate shipment terms that exclude insurance, to avoid double-insurance.

3.How do I ensure compliance with the law on marine insurance?

Whenever planning any importation, organize marine insurance through local providers.
CEMES Insurance Agency offers such marine insurance, please get in touch with us.

4.What are the benefits of taking marine insurance locally?

Benefits to the importer:

  • Convenience: Claims will be lodged with local insurance companies
  • Speed: Faster cover placement and compensation of claims in case of loss
  • Affordable: More competitive premiums
  • Control: Importers have more control on the insurance placed, scope, and terms and conditions
    Economic benefits Growth of local insurance companies Tax – Stamp duty of 0.05% of the consignment value
  • The agency has partnered with reputable and stable insurance companies to offer insurance solutions.
  • CEMES INSURANCE AGENCY provides an all risks Marine insurance. This is the most comprehensive cover, covering various perils as follows;
    1. Storage risks (Static Risks)
    2. Fire and explosion
    3. Theft and robbery
    4. Collision, overturning and accidents
    5. Water damage
    6. War and related perils
    7. Strikes, terrorism and political violence and others

5.What information is required to get a marine cover?

  • Pro forma invoice (Type of goods, Voyage, Conveyance, buyer/seller details)
  • Premium payment plan

6.Why should I insure through CEMES INSURANCE AGENCY?

  • Wide scope: Comprehensive all risks cover, warehouse to warehouse
  • Affordable: Competitive pricing
  • Expertise: In benefits and claims
  • Accessible: Loss adjusters with local and international experience
  • Reliable: Reputable insurance companies

7.What are your Marine Insurance charges?

We have negotiated competitive rates with the best underwriters in Kenya.
Pricing terms range due to nature of goods, conveyance and geographical scope of voyage.
For more information, clarification or to place your Marine Insurance cover, or for any other insurance needs, please get in touch with CEMES INSURANCE AGENCY,


1.What is Personal Accident insurance?

This is an insurance that provides you with cover in the event of injuries, disability or death caused solely by an accident.

2.What benefits do I get when I purchase Personal Accident Insurance?

The benefits include;

  1. Weekly payment: Pays a weekly income for the period you are out of work as a result of injury from an accident
  2. Medical Expenses: Pays for medical expenses that arise from treating you after an accident including dental and optical expenses
  3. Emergency Evacuation: Covers emergency medical evacuation expenses
  4. Pay for the cost of artificial appliances that arise from an accident such as crutches, hearing aid and prosthetics
  5. Permanent Disability: In the event of permanent disability caused by an accident, the insurance pays for a pre-determined percentage of the insured amount or a pre-determined multiple of salary
  6. Accidental Death: In the event that life is lost due to an accident, the insurance will pay the total insured amount or a pre-determined multiple of salary

3.How long does PA insurance last?

PA is an annual cover. It must be renewed each year to remain valid.

4.How much does it cost?

For as little as Ksh500 per year you can access a basic PA insurance cover.
However, if you are able to put in a larger amount the benefits will also increase.

5.Can we get Personal Accident insurance as a group?

Yes. The same product can be purchased by a group of people such as a family, employees, chamas, church, learning institutions, SMEs or any other group of people with common interest, it will then be referred to as Group Personal Accident Insurance.

6.I have a business, can I buy Personal Accident for my staff members?

Yes. This will be called Group Personal Accident as explained above. The company will pay premium on behalf of its staff members.
In the event of an accident, the insurance pays the employer the benefits for onward transmission to the employee or their appointed beneficiaries.

7.If I have car insurance, am I covered as the driver?

No. Car insurance covers the car and the passengers. The driver is not covered.
However, you can request for it to be included in your car insurance. There are insurance companies that sell a package with both car and personal accident.

8.Why do I need to indicate a beneficiary while filling in the forms?

In the event of loss of life following an accident, a beneficiary is a person who receives the pay-out from the insurance company.
It is therefore necessary to nominate a beneficiary as you apply for Personal or Group Accident insurance.

If a child below 18 years is appointed, then a responsible guardian who will administer benefits upon sudden death should also be appointed.
Choosing a beneficiary ensures that the benefits go to the right people.


1.What is Goods in Transit insurance?

Goods in Transit insurance is a policy that covers for loss or damage to various types of goods while in transit by road, rail or any inland waterway within the geographical area set out in the policy.

2.What Is Covered By Goods In Transit Insurance?

  • Open Cover where an indication is made of the total number of transits anticipated during the year.
    This estimation will be subject to actual transits that will be declared.
  • Specific Cover which covers particular consignments which have been declared before the actual transit.

3.What are the Perils covered?

The cover provided includes reimbursement for loss resulting from:

  • Theft while in transit
  • Damage caused by accidents during transit
  • Loss during transit
  • Damage caused during transit
  • Fire
  • Lightning
  • Breakage of Bridges
  • Collision with or by the Carrying Vehicle
  • Over-turning of the Vehicle
  • Derailment or accidents of like nature to the wagon

4.Who Should Buy A Goods In Transit Insurance Policy?

This type of insurance is important for any business that transports goods as part of its operations.


1.Why you need PVT?

Every so often, parts of the world are reminded of the threats posed to people, businesses and property by acts of violence motivated by political or terrorism forces.

  • Politically motivated attacks, acts of terrorism and other forms of unrest can cause great losses to businesses and individuals and loss of lives
  • It is vital during such times to have a way to adequately protect assets, people, and plan for business continuity
  • Apart from other key security prevention tactics, insurance remains a key tactic to manage the exposure

2.How do you claim?

  • All you need is report the act to Police and obtain a Police abstract
  • Complete a claim form
  • You’ll be required to give a witness/insured’s statement highlighting the circumstances of loss
  • Be sure to have documents in support of amount being claimed such as invoices, receipts etc.


1.What does WIBA stands for?

WIBA stands for Workers Injury Benefits Act.

2.What is WIBA?

It is a requirement for businesses or organizations to cover themselves against compensation towards injuries caused to their employees.

3.What is the difference between WIBA Insurance Policy and Personal Accident Cover?

The main difference between WIBA and Personal Accident Insurance Policy, is that WIBA cover is only applicable to the workplace while Personal Accident Cover is not.

4.What is the cost of WIBA Insurance?

The cost of WIBA Insurance cover are calculated based on your employees’ earnings and nature of the work-related injuries and occupational diseases.

5.How do I buy WIBA Insurance?

You can contact any insurance provider or an insurance agent or broker.

6.Is it risky to buy WIBA Insurance?

It won't be risky for you to buy WIBA Insurance Policy when you exercise patience in checking the details of the insurance companies and choose the one that fits your organization or company.

7.What factors to consider when buying WIBA Insurance Policy from an insurance provider?

Here are factors to consider, the market reputation of your insurance provider, your provider accessibility and the costs for the service offered.

8.Why do I need WIBA Insurance Policy?

WIBA Insurance Policy being a mandatory requirement for employers.
It protects employers financially against liabilities which arises from their employees work related injuries and occupational diseases.

9.What items are covered in WIBA Insurance Policy?

The items covered under WIBA Insurance Policy are;

  • Medical expenses benefits
  • Funeral expenses benefits
  • Total or partial disablement benefits
  • Work related injuries and occupational diseases benefits

10.What documents do I need before filling WIBA Insurance Claim?

You need Duly filled Dosh forms part 1&2, original medical bills, medical opinion if required by the company, documents for death claim, provisional document, certified copy of death certificates, identity card in the event of fatal injury, police abstract report in case of road accident and statement by the immediate supervisor.

11.When do I file for WIBA Insurance Claim?

When your employees have been injured in the workplace or contracted occupational diseases during the normal working hours.

12.What are the advantages of WIBA Insurance Policy?

It is cheaper compared to managing WIBA risks internally; it gives both the employees and employers peace of mind when risks occur in the place of work.
It protects employers financially against liabilities that arises from their employees work related injuries and occupational diseases.
Lastly, it attracts more staff and retains them as it forms one of the welfare benefits.