{"id":651,"date":"2026-07-23T09:18:11","date_gmt":"2026-07-23T09:18:11","guid":{"rendered":"https:\/\/geminia.co.ke\/dev\/?page_id=651"},"modified":"2026-10-06T05:28:06","modified_gmt":"2026-10-06T05:28:06","slug":"personalaccident","status":"publish","type":"page","link":"https:\/\/geminia.co.ke\/dev\/personalaccident\/","title":{"rendered":"Personal Accident"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"651\" class=\"elementor elementor-651\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5fd99b7 e-con-full e-flex e-con e-parent\" data-id=\"5fd99b7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1fac0e8 elementor-widget elementor-widget-html\" data-id=\"1fac0e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Poppins:wght@400;500;600;700;800&display=swap\" rel=\"stylesheet\">\r\n\r\n<style>\r\n  .gem-purpose {\r\n    position: relative;\r\n    width: 100%;\r\n    min-height: 420px;\r\n    display: flex;\r\n    align-items: center;\r\n    background-image: url('https:\/\/geminia.co.ke\/dev\/wp-content\/uploads\/2026\/07\/Personal-Accident-Cover-1.jpg');\r\n    background-size: cover;\r\n    background-position: center;\r\n    overflow: hidden;\r\n    font-family: 'Poppins', sans-serif;\r\n  }\r\n\r\n  \/* Darken the photo a touch so the color wash + text pop *\/\r\n  .gem-purpose::before {\r\n    content: \"\";\r\n    position: absolute;\r\n    inset: 0;\r\n    background: linear-gradient(\r\n      100deg,\r\n      rgba(10, 10, 25, 0.75) 0%,\r\n      rgba(10, 10, 25, 0.5) 40%,\r\n      rgba(10, 10, 25, 0.35) 100%\r\n    );\r\n    z-index: 1;\r\n  }\r\n\r\n  \/* Floating color blobs \u2014 brand colors blended over the photo *\/\r\n  .gem-purpose__blob {\r\n    position: absolute;\r\n    border-radius: 50%;\r\n    filter: blur(70px);\r\n    mix-blend-mode: screen;\r\n    z-index: 2;\r\n    pointer-events: none;\r\n  }\r\n\r\n  .gem-purpose__blob--blue {\r\n    width: 480px;\r\n    height: 480px;\r\n    background: radial-gradient(circle at center, #43a8de 0%, rgba(67, 168, 222, 0) 70%);\r\n    top: -140px;\r\n    left: 5%;\r\n    opacity: 0.85;\r\n    will-change: transform;\r\n  }\r\n\r\n  .gem-purpose__blob--indigo {\r\n    width: 560px;\r\n    height: 560px;\r\n    background: radial-gradient(circle at center, #393680 0%, rgba(57, 54, 128, 0) 70%);\r\n    bottom: -220px;\r\n    left: 30%;\r\n    opacity: 0.9;\r\n    will-change: transform;\r\n  }\r\n\r\n  .gem-purpose__blob--blue2 {\r\n    width: 360px;\r\n    height: 360px;\r\n    background: radial-gradient(circle at center, #43a8de 0%, rgba(67, 168, 222, 0) 70%);\r\n    top: 20%;\r\n    right: 8%;\r\n    opacity: 0.6;\r\n    will-change: transform;\r\n  }\r\n\r\n  \/* Positions above are the resting state used when motion is reduced or JS hasn't run yet *\/\r\n\r\n  .gem-purpose__inner {\r\n    position: relative;\r\n    z-index: 3;\r\n    width: 100%;\r\n    max-width: 1200px;\r\n    margin: 0 auto;\r\n    padding: 0 40px;\r\n  }\r\n\r\n  .gem-purpose__content {\r\n    max-width: 640px;\r\n  }\r\n\r\n  .gem-purpose__eyebrow {\r\n    font-family: 'Poppins', sans-serif;\r\n    font-weight: 500;\r\n    font-size: 14px;\r\n    color: #ffffff;\r\n    margin: 0 0 8px 0;\r\n    text-transform: uppercase;\r\n    letter-spacing: 3px;\r\n\r\n  }\r\n\r\n  .gem-purpose__title {\r\n    font-family: 'Poppins', sans-serif;\r\n    font-weight: 700;\r\n    font-size: 38px;\r\n    line-height: 1.25;\r\n    color: #ffffff;\r\n    margin: 0 0 28px 0;\r\n  }\r\n\r\n  .gem-purpose__cta {\r\n    display: inline-flex;\r\n    align-items: center;\r\n    justify-content: center;\r\n    padding: 16px 30px;\r\n    background: #3fa6dd;\r\n    color: #ffffff !important;\r\n    text-decoration: none !important;\r\n    border-radius: 999px;\r\n    font-family: 'Poppins', sans-serif;\r\n    font-weight: 600;\r\n    font-size: 14.5px;\r\n    box-shadow: 0 12px 26px rgba(63, 166, 221, 0.4);\r\n    transition: background 0.25s ease, transform 0.25s ease, box-shadow 0.25s ease;\r\n  }\r\n  .gem-purpose__cta:hover {\r\n    background: #2f92c9;\r\n    text-decoration: none !important;\r\n    transform: translateY(-2px);\r\n    box-shadow: 0 16px 30px rgba(63, 166, 221, 0.48);\r\n  }\r\n  .gem-purpose__cta:focus-visible {\r\n    outline: 2px solid #ffffff;\r\n    outline-offset: 3px;\r\n  }\r\n\r\n  @media (max-width: 991px) {\r\n    .gem-purpose {\r\n      min-height: 360px;\r\n    }\r\n    .gem-purpose__title {\r\n      font-size: 30px;\r\n    }\r\n    .gem-purpose__blob--blue { width: 340px; height: 340px; }\r\n    .gem-purpose__blob--indigo { width: 400px; height: 400px; }\r\n    .gem-purpose__blob--blue2 { width: 260px; height: 260px; }\r\n  }\r\n\r\n  @media (max-width: 600px) {\r\n    .gem-purpose {\r\n      min-height: 320px;\r\n    }\r\n    .gem-purpose__inner {\r\n      padding: 0 24px;\r\n    }\r\n    .gem-purpose__title {\r\n      font-size: 24px;\r\n    }\r\n    .gem-purpose__eyebrow {\r\n      font-size: 16px;\r\n    }\r\n    .gem-purpose__cta {\r\n      padding: 14px 26px;\r\n      font-size: 13.5px;\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<section class=\"gem-purpose\">\r\n  <div class=\"gem-purpose__blob gem-purpose__blob--blue\"><\/div>\r\n  <div class=\"gem-purpose__blob gem-purpose__blob--indigo\"><\/div>\r\n  <div class=\"gem-purpose__blob gem-purpose__blob--blue2\"><\/div>\r\n\r\n  <div class=\"gem-purpose__inner\">\r\n    <div class=\"gem-purpose__content\">\r\n      <p class=\"gem-purpose__eyebrow\">Protection for life's unexpected moments.<\/p>\r\n      <h2 class=\"gem-purpose__title\">Financial protection against accidental injuries, disability, and loss of life.<\/h2>\r\n      <a class=\"gem-purpose__cta\" href=\"https:\/\/geminia.co.ke\/get-a-quote\/\">Purchase Cover<\/a>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\r\n\r\n<script>\r\n(function () {\r\n  var hero = document.querySelector('.gem-purpose');\r\n  if (!hero) return;\r\n\r\n  \/\/ Respect users who've asked for reduced motion \u2014 blobs just stay put.\r\n  if (window.matchMedia && window.matchMedia('(prefers-reduced-motion: reduce)').matches) return;\r\n\r\n  \/\/ Each blob keeps a gentle ambient drift ALL the time, plus a mouse-driven\r\n  \/\/ push once you hover the section.\r\n  \/\/   mouseStrength > 0  \u2192 blob drifts toward the direction the cursor moves\r\n  \/\/   mouseStrength < 0  \u2192 blob drifts away from the cursor\r\n  \/\/ Tweak these numbers to taste.\r\n  var blobs = [\r\n    { el: hero.querySelector('.gem-purpose__blob--blue'),   ampX: 35, ampY: 25, speedX: 0.15, speedY: 0.18, phase: 0, mouseStrength: 70  },\r\n    { el: hero.querySelector('.gem-purpose__blob--indigo'), ampX: 30, ampY: 20, speedX: 0.10, speedY: 0.13, phase: 2, mouseStrength: -50 },\r\n    { el: hero.querySelector('.gem-purpose__blob--blue2'),  ampX: 25, ampY: 22, speedX: 0.20, speedY: 0.16, phase: 4, mouseStrength: 90  }\r\n  ];\r\n\r\n  var targetX = 0, targetY = 0;   \/\/ where the mouse wants the blobs to go (-1 to 1)\r\n  var mouseX = 0, mouseY = 0;     \/\/ smoothed value that actually gets applied\r\n\r\n  hero.addEventListener('mousemove', function (e) {\r\n    var rect = hero.getBoundingClientRect();\r\n    targetX = ((e.clientX - rect.left) \/ rect.width - 0.5) * 2;\r\n    targetY = ((e.clientY - rect.top) \/ rect.height - 0.5) * 2;\r\n  });\r\n\r\n  \/\/ Mouse leaves the section \u2192 target returns to center, blobs ease back\r\n  \/\/ into their plain ambient drift.\r\n  hero.addEventListener('mouseleave', function () {\r\n    targetX = 0;\r\n    targetY = 0;\r\n  });\r\n\r\n  function animate(time) {\r\n    var t = time \/ 1000;\r\n\r\n    \/\/ Smoothly chase the target instead of snapping to the cursor \u2014\r\n    \/\/ this is what gives the blobs their soft, trailing feel.\r\n    mouseX += (targetX - mouseX) * 0.04;\r\n    mouseY += (targetY - mouseY) * 0.04;\r\n\r\n    for (var i = 0; i < blobs.length; i++) {\r\n      var b = blobs[i];\r\n      var floatX = Math.sin(t * b.speedX + b.phase) * b.ampX;\r\n      var floatY = Math.cos(t * b.speedY + b.phase) * b.ampY;\r\n      var x = floatX + mouseX * b.mouseStrength;\r\n      var y = floatY + mouseY * b.mouseStrength;\r\n      b.el.style.transform = 'translate(' + x.toFixed(1) + 'px, ' + y.toFixed(1) + 'px)';\r\n    }\r\n\r\n    requestAnimationFrame(animate);\r\n  }\r\n\r\n  requestAnimationFrame(animate);\r\n})();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fa6dc78 e-con-full e-flex e-con e-parent\" data-id=\"fa6dc78\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9f318a4 elementor-widget elementor-widget-html\" data-id=\"9f318a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Poppins:wght@400;500;600;700&display=swap\" rel=\"stylesheet\">\r\n\r\n<section class=\"gm-pa\">\r\n\r\n  <!-- ===== Top navy tab bar ===== -->\r\n  <div class=\"gm-pa__tabbar\">\r\n    <div class=\"gm-pa__tabbar-inner\">\r\n\r\n      <div class=\"gm-pa__tabs\" role=\"tablist\" aria-label=\"Personal accident insurance type\">\r\n        <button type=\"button\" class=\"gm-pa__tab is-active\" role=\"tab\" id=\"gmPaTab-0\" aria-selected=\"true\" aria-controls=\"gmPaPanel\" tabindex=\"0\" data-index=\"0\">\r\n          <span>Personal Accident Insurance<\/span>\r\n          <i class=\"gm-pa__bar\" aria-hidden=\"true\"><\/i>\r\n        <\/button>\r\n        <button type=\"button\" class=\"gm-pa__tab\" role=\"tab\" id=\"gmPaTab-1\" aria-selected=\"false\" aria-controls=\"gmPaPanel\" tabindex=\"-1\" data-index=\"1\">\r\n          <span>Student Personal Accident Insurance<\/span>\r\n          <i class=\"gm-pa__bar\" aria-hidden=\"true\"><\/i>\r\n        <\/button>\r\n      <\/div>\r\n\r\n      <div class=\"gm-pa__intro\" id=\"gmPaPanel\" role=\"tabpanel\" aria-labelledby=\"gmPaTab-0\">\r\n        <p class=\"gm-pa__intro-text\" id=\"gmPaIntroText\"><\/p>\r\n        <a class=\"gm-pa__cta\" id=\"gmPaIntroCta\" href=\"#\">Get Quotation<\/a>\r\n      <\/div>\r\n\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- ===== Lower content: details + form ===== -->\r\n  <div class=\"gm-pa__body\">\r\n    <div class=\"gm-pa__body-inner\">\r\n\r\n      <div class=\"gm-pa__details\">\r\n        <p class=\"gm-pa__detail-text\" id=\"gmPaDetailText\"><\/p>\r\n\r\n        <div class=\"gm-pa__switch\" role=\"tablist\" aria-label=\"View ideal for, what is covered, or additional information\">\r\n          <span class=\"gm-pa__switch-highlight\" id=\"gmPaSwitchHighlight\" aria-hidden=\"true\"><\/span>\r\n          <button type=\"button\" class=\"gm-pa__switch-btn is-active\" role=\"tab\" aria-selected=\"true\" id=\"gmPaSubTab-ideal\" aria-controls=\"gmPaListWrap\" data-sub=\"ideal\">Ideal For<\/button>\r\n          <button type=\"button\" class=\"gm-pa__switch-btn\" role=\"tab\" aria-selected=\"false\" id=\"gmPaSubTab-covered\" aria-controls=\"gmPaListWrap\" data-sub=\"covered\">What Is Covered<\/button>\r\n          <button type=\"button\" class=\"gm-pa__switch-btn\" role=\"tab\" aria-selected=\"false\" id=\"gmPaSubTab-extra\" aria-controls=\"gmPaListWrap\" data-sub=\"extra\" hidden><\/button>\r\n        <\/div>\r\n\r\n        <div class=\"gm-pa__list-wrap\" id=\"gmPaListWrap\" role=\"tabpanel\" aria-labelledby=\"gmPaSubTab-ideal\"><\/div>\r\n      <\/div>\r\n\r\n      <div class=\"gm-pa__form-card\">\r\n        <h3 class=\"gm-pa__form-title\">Request Call Back<\/h3>\r\n\r\n        <form id=\"gmPaCallbackForm\" class=\"gm-pa__form\" novalidate>\r\n          <div class=\"gm-pa__field\">\r\n            <label for=\"gmPaName\">Name<\/label>\r\n            <input type=\"text\" id=\"gmPaName\" name=\"name\" autocomplete=\"name\" required>\r\n          <\/div>\r\n          <div class=\"gm-pa__field\">\r\n            <label for=\"gmPaEmail\">Email Address<\/label>\r\n            <input type=\"email\" id=\"gmPaEmail\" name=\"email\" autocomplete=\"email\" required>\r\n          <\/div>\r\n          <div class=\"gm-pa__field\">\r\n            <label for=\"gmPaPhone\">Phone Number<\/label>\r\n            <input type=\"tel\" id=\"gmPaPhone\" name=\"phone\" autocomplete=\"tel\" required>\r\n          <\/div>\r\n          <div class=\"gm-pa__field\">\r\n            <label for=\"gmPaComment\">Comment<\/label>\r\n            <textarea id=\"gmPaComment\" name=\"comment\" rows=\"4\"><\/textarea>\r\n          <\/div>\r\n\r\n          <input type=\"hidden\" name=\"cover_type\" id=\"gmPaCoverTypeField\" value=\"Personal Accident Insurance\">\r\n\r\n          <button type=\"submit\" class=\"gm-pa__submit\">Submit<\/button>\r\n          <p class=\"gm-pa__form-status\" id=\"gmPaFormStatus\" role=\"status\" aria-live=\"polite\"><\/p>\r\n        <\/form>\r\n      <\/div>\r\n\r\n    <\/div>\r\n  <\/div>\r\n\r\n<\/section>\r\n\r\n<style>\r\n  .gm-pa{\r\n    --purple: #393680;\r\n    --sky: #3fa6dd;\r\n    --body-bg: #eef0f4;\r\n    --text-dark: #2c2c34;\r\n    box-sizing: border-box;\r\n    font-family: 'Poppins', sans-serif;\r\n  }\r\n  .gm-pa *{ box-sizing: border-box; }\r\n\r\n  \/* ---------- Top tab bar ---------- *\/\r\n  .gm-pa__tabbar{ background: var(--purple); }\r\n  .gm-pa__tabbar-inner{\r\n    max-width: 1080px;\r\n    margin: 0 auto;\r\n    padding: 44px 24px 40px;\r\n  }\r\n\r\n  .gm-pa__tabs{\r\n    display: grid;\r\n    grid-template-columns: repeat(2, 1fr);\r\n    gap: 24px;\r\n    margin-bottom: 28px;\r\n  }\r\n\r\n  .gm-pa__tab,\r\n  .gm-pa__tab:hover,\r\n  .gm-pa__tab:focus,\r\n  .gm-pa__tab:active,\r\n  .gm-pa__tab.is-active{\r\n    background: none !important;\r\n    background-color: transparent !important;\r\n    -webkit-tap-highlight-color: transparent;\r\n  }\r\n  .gm-pa__tab{\r\n    border: none;\r\n    padding: 0 0 14px;\r\n    cursor: pointer;\r\n    display: flex;\r\n    flex-direction: column;\r\n    align-items: flex-start;\r\n    gap: 12px;\r\n    text-align: left;\r\n    font-family: 'Poppins', sans-serif;\r\n    font-weight: 600;\r\n    font-size: 13px;\r\n    letter-spacing: 1.4px;\r\n    text-transform: uppercase;\r\n    color: rgba(255,255,255,0.55);\r\n    transition: color 0.3s ease;\r\n  }\r\n  .gm-pa__tab:hover{ color: rgba(255,255,255,0.85); }\r\n  .gm-pa__tab.is-active{ color: var(--sky); }\r\n  .gm-pa__tab:focus-visible{\r\n    outline: 2px solid var(--sky);\r\n    outline-offset: 4px;\r\n  }\r\n  .gm-pa__tab:nth-child(2){ align-items: flex-end; text-align: right; }\r\n\r\n  .gm-pa__bar{\r\n    display: block;\r\n    width: 100%;\r\n    height: 2px;\r\n    background: rgba(255,255,255,0.35);\r\n    border-radius: 2px;\r\n    transition: height 0.3s ease, background 0.3s ease;\r\n  }\r\n  .gm-pa__tab.is-active .gm-pa__bar{\r\n    height: 4px;\r\n    background: var(--sky);\r\n  }\r\n\r\n  .gm-pa__intro{\r\n    display: flex;\r\n    flex-direction: column;\r\n    gap: 22px;\r\n  }\r\n  .gm-pa__intro-text{\r\n    margin: 0;\r\n    max-width: 100%;\r\n    font-weight: 400;\r\n    font-size: 16px;\r\n    line-height: 1.75;\r\n    color: rgba(255,255,255,0.92);\r\n  }\r\n  .gm-pa__cta{\r\n    align-self: flex-end;\r\n    font-weight: 500;\r\n    font-size: 15px;\r\n    color: #ffffff;\r\n    text-decoration: none;\r\n    padding-bottom: 3px;\r\n    border-bottom: 1px solid rgba(255,255,255,0.4);\r\n    transition: border-color 0.25s ease, color 0.25s ease;\r\n    white-space: nowrap;\r\n  }\r\n  .gm-pa__cta:hover{ color: var(--sky); border-color: var(--sky); }\r\n  .gm-pa__cta:focus-visible{ outline: 2px solid var(--sky); outline-offset: 4px; }\r\n\r\n  \/* ---------- Lower body ---------- *\/\r\n  .gm-pa__body{ background: var(--body-bg); padding: 56px 24px; }\r\n  .gm-pa__body-inner{\r\n    max-width: 1080px;\r\n    margin: 0 auto;\r\n    display: grid;\r\n    grid-template-columns: 1.15fr 0.85fr;\r\n    gap: 48px;\r\n    align-items: start;\r\n  }\r\n\r\n  .gm-pa__detail-text{\r\n    margin: 0 0 26px;\r\n    font-weight: 400;\r\n    font-size: 16.5px;\r\n    line-height: 1.75;\r\n    color: var(--text-dark);\r\n  }\r\n\r\n  \/* Ideal For \/ What Is Covered \/ Student Attachment Cover switch *\/\r\n  .gm-pa__switch{\r\n    position: relative;\r\n    display: inline-flex;\r\n    background: #ffffff;\r\n    border-radius: 999px;\r\n    padding: 5px;\r\n    box-shadow: 0 6px 18px rgba(30, 20, 70, 0.1);\r\n    margin-bottom: 24px;\r\n    max-width: 100%;\r\n  }\r\n  .gm-pa__switch-highlight{\r\n    position: absolute;\r\n    top: 5px;\r\n    left: 5px;\r\n    height: calc(100% - 10px);\r\n    width: 0;\r\n    background: var(--sky);\r\n    border-radius: 999px;\r\n    transition: transform 0.3s cubic-bezier(.4,0,.2,1), width 0.3s cubic-bezier(.4,0,.2,1);\r\n  }\r\n  .gm-pa__switch-btn,\r\n  .gm-pa__switch-btn:hover,\r\n  .gm-pa__switch-btn:focus,\r\n  .gm-pa__switch-btn:active,\r\n  .gm-pa__switch-btn.is-active{\r\n    background: none !important;\r\n    background-color: transparent !important;\r\n    -webkit-tap-highlight-color: transparent;\r\n  }\r\n  .gm-pa__switch-btn{\r\n    position: relative;\r\n    z-index: 1;\r\n    border: none;\r\n    cursor: pointer;\r\n    padding: 12px 22px;\r\n    font-family: 'Poppins', sans-serif;\r\n    font-weight: 500;\r\n    font-size: 14.5px;\r\n    color: var(--text-dark);\r\n    border-radius: 999px;\r\n    white-space: nowrap;\r\n    transition: color 0.3s ease;\r\n  }\r\n  .gm-pa__switch-btn.is-active{ color: #ffffff; font-weight: 600; }\r\n  .gm-pa__switch-btn:hover:not(.is-active){ color: #393780; }\r\n  .gm-pa__switch-btn:focus-visible{\r\n    outline: 2px solid var(--purple);\r\n    outline-offset: 2px;\r\n  }\r\n  .gm-pa__switch-btn[hidden]{ display: none !important; }\r\n\r\n  .gm-pa__list-intro{\r\n    margin: 0 0 16px;\r\n    font-weight: 400;\r\n    font-size: 15.5px;\r\n    line-height: 1.65;\r\n    color: var(--text-dark);\r\n  }\r\n\r\n  .gm-pa__group-label{\r\n    margin: 20px 0 10px;\r\n    font-weight: 600;\r\n    font-size: 13px;\r\n    letter-spacing: 1.2px;\r\n    text-transform: uppercase;\r\n    color: var(--purple);\r\n  }\r\n  .gm-pa__group-label:first-child{ margin-top: 0; }\r\n\r\n  .gm-pa__list{\r\n    list-style: none;\r\n    margin: 0;\r\n    padding: 0;\r\n    display: flex;\r\n    flex-direction: column;\r\n    gap: 12px;\r\n  }\r\n  .gm-pa__list li{\r\n    position: relative;\r\n    padding-left: 22px;\r\n    font-weight: 400;\r\n    font-size: 15.5px;\r\n    line-height: 1.5;\r\n    color: var(--text-dark);\r\n  }\r\n  .gm-pa__list li::before{\r\n    content: '';\r\n    position: absolute;\r\n    left: 0;\r\n    top: 8px;\r\n    width: 7px;\r\n    height: 7px;\r\n    border-radius: 50%;\r\n    background: var(--sky);\r\n  }\r\n\r\n  .gm-pa-fade-refresh{ animation: gmPaFade 0.35s ease; }\r\n  @keyframes gmPaFade{\r\n    from{ opacity: 0; transform: translateY(6px); }\r\n    to{ opacity: 1; transform: translateY(0); }\r\n  }\r\n\r\n  \/* ---------- Request Call Back card ---------- *\/\r\n  .gm-pa__form-card{\r\n    background: var(--sky);\r\n    border-radius: 16px;\r\n    padding: 36px 32px 32px;\r\n  }\r\n  .gm-pa__form-title{\r\n    margin: 0 0 22px;\r\n    font-weight: 700;\r\n    font-size: 24px;\r\n    color: var(--purple);\r\n  }\r\n  .gm-pa__field{ margin-bottom: 18px; }\r\n  .gm-pa__field label{\r\n    display: block;\r\n    margin-bottom: 8px;\r\n    font-weight: 500;\r\n    font-size: 14.5px;\r\n    color: #ffffff;\r\n  }\r\n  .gm-pa__field input,\r\n  .gm-pa__field textarea{\r\n    width: 100%;\r\n    border: none;\r\n    border-radius: 8px;\r\n    padding: 12px 14px;\r\n    font-family: 'Poppins', sans-serif;\r\n    font-size: 14.5px;\r\n    color: var(--text-dark);\r\n    background: #ffffff;\r\n    resize: vertical;\r\n  }\r\n  .gm-pa__field input:focus-visible,\r\n  .gm-pa__field textarea:focus-visible{\r\n    outline: 2px solid var(--purple);\r\n    outline-offset: 2px;\r\n  }\r\n  .gm-pa__field input:invalid:not(:placeholder-shown){\r\n    box-shadow: inset 0 0 0 1.5px #d64545;\r\n  }\r\n\r\n  .gm-pa__submit{\r\n    margin-top: 6px;\r\n    padding: 13px 34px;\r\n    background: var(--purple);\r\n    color: #ffffff;\r\n    border: none;\r\n    border-radius: 999px;\r\n    font-family: 'Poppins', sans-serif;\r\n    font-weight: 600;\r\n    font-size: 14.5px;\r\n    cursor: pointer;\r\n    transition: background 0.25s ease, transform 0.25s ease;\r\n  }\r\n  .gm-pa__submit:hover{ background: #2d2a66; transform: translateY(-1px); }\r\n  .gm-pa__submit:focus-visible{ outline: 2px solid #ffffff; outline-offset: 3px; }\r\n  .gm-pa__submit:disabled{ opacity: 0.7; cursor: default; transform: none; }\r\n\r\n  .gm-pa__form-status{\r\n    margin: 12px 0 0;\r\n    font-size: 13.5px;\r\n    font-weight: 500;\r\n    color: #ffffff;\r\n    min-height: 18px;\r\n  }\r\n\r\n  \/* ---------- Responsive ---------- *\/\r\n  @media (max-width: 900px){\r\n    .gm-pa__body-inner{ grid-template-columns: 1fr; gap: 40px; }\r\n  }\r\n\r\n  @media (max-width: 720px){\r\n    .gm-pa__tabs{ grid-template-columns: 1fr; gap: 18px; }\r\n    .gm-pa__tab:nth-child(2){ align-items: flex-start; text-align: left; }\r\n    .gm-pa__cta{ align-self: flex-start; }\r\n    .gm-pa__tabbar-inner{ padding: 36px 20px 32px; }\r\n    .gm-pa__body{ padding: 44px 20px; }\r\n    .gm-pa__switch{ width: 100%; flex-wrap: wrap; }\r\n    .gm-pa__switch-btn{ flex: 1; text-align: center; padding: 12px 10px; }\r\n    .gm-pa__form-card{ padding: 28px 22px 26px; }\r\n  }\r\n\r\n  @media (prefers-reduced-motion: reduce){\r\n    .gm-pa-fade-refresh{ animation: none; }\r\n    .gm-pa__switch-highlight{ transition: none; }\r\n    .gm-pa__submit{ transition: none; }\r\n  }\r\n<\/style>\r\n\r\n<script>\r\n(function(){\r\n  var section = document.querySelector('.gm-pa');\r\n  if (!section) return;\r\n\r\n  \/* ---------- Centralized content data ---------- *\/\r\n  var coverageData = [\r\n    {\r\n      label: \"Personal Accident Insurance\",\r\n      intro: \"Life is full of opportunities\u2014but it also comes with unexpected risks. Geminia Personal Accident Insurance provides financial compensation if you suffer accidental injuries, permanent or temporary disability, or accidental death.\",\r\n      detail: \"Our enhanced cover goes beyond medical expenses by including benefits such as accidental dental and optical treatment, artificial appliances, reconstructive surgery, local evacuation, and critical illness cover on selected plans. Optional extensions such as terrorism cover and life rider (non-accidental death) provide even greater peace of mind.\",\r\n      idealFor: [\r\n        \"Individuals and families\",\r\n        \"Employees and professionals\",\r\n        \"Business owners and entrepreneurs\",\r\n        \"Self-employed individuals\",\r\n        \"Frequent travellers\",\r\n        \"Sports and fitness enthusiasts\",\r\n        \"Anyone looking for affordable financial protection against accidental injuries\"\r\n      ],\r\n      coveredGroups: [\r\n        {\r\n          label: \"Standard Benefits\",\r\n          items: [\r\n            \"Accidental Death\",\r\n            \"Permanent Total Disability (PTD)\",\r\n            \"Temporary Total Disability (weekly income benefit)\",\r\n            \"Accidental Medical Expenses\",\r\n            \"Accidental Dental Expenses\",\r\n            \"Accidental Optical Expenses\",\r\n            \"Post-Accident Reconstructive Surgery\",\r\n            \"Artificial Appliances including prosthetics, hearing aids, wheelchairs and crutches\",\r\n            \"Local Evacuation\",\r\n            \"Last Expense (Funeral Benefit)\",\r\n            \"Critical Illness Benefit (selected plans)\"\r\n          ]\r\n        },\r\n        {\r\n          label: \"Optional Benefits\",\r\n          items: [\r\n            \"Terrorism Cover\",\r\n            \"Life Rider (Non-Accidental Death)\",\r\n            \"Post-Trauma Counselling\"\r\n          ]\r\n        }\r\n      ],\r\n      attachment: null,\r\n      quoteHref: \"https:\/\/geminia.co.ke\/get-a-quote\/\"\r\n    },\r\n    {\r\n      label: \"Student Personal Accident Insurance\",\r\n      intro: \"Starting your industrial attachment is an exciting step towards your career, but it also comes with new environments and workplace risks. Geminia Student Personal Accident Insurance is specially designed to protect students on industrial attachment by providing financial compensation in the event of accidental injury, disability, or accidental death during their attachment period.\",\r\n      detail: \"The policy also helps cover medical expenses resulting from an accident, giving students, parents, universities, colleges, and host organizations greater peace of mind throughout the attachment period.\",\r\n      idealFor: [\r\n        \"University students on industrial attachment\",\r\n        \"College and TVET students undertaking internships or attachments\",\r\n        \"Educational institutions placing students on attachment\",\r\n        \"Employers hosting interns and attachment students\",\r\n        \"Parents seeking additional protection for students during attachment\"\r\n      ],\r\n      coveredGroups: [\r\n        {\r\n          items: [\r\n            \"Accidental Death \u2013 Financial compensation to nominated beneficiaries in the event of accidental loss of life.\",\r\n            \"Permanent Total Disability \u2013 Compensation for permanent disability resulting from an accident.\",\r\n            \"Accidental Medical Expenses \u2013 Reimbursement of medical expenses incurred while treating injuries sustained in an accident.\",\r\n            \"Artificial Appliances \u2013 Cover for rehabilitation aids such as prosthetics, wheelchairs, crutches, and hearing aids where required.\",\r\n            \"Funeral Expenses \u2013 Financial support to assist with funeral costs following an accidental death.\",\r\n            \"Post-Trauma Counselling \u2013 Reimbursement for counselling expenses following an accident to support emotional recovery.\"\r\n          ]\r\n        }\r\n      ],\r\n      extra: {\r\n        tabLabel: \"Why Choose This Cover?\",\r\n        items: [\r\n          \"Purpose-built for attachment students entering real workplace environments.\",\r\n          \"Affordable protection for the entire attachment period, with flexible cover options for 3, 6, or 12 months.\",\r\n          \"Supports universities, colleges, TVETs, and employers in safeguarding students during industrial attachment.\",\r\n          \"Financial peace of mind for students and parents while gaining practical work experience.\",\r\n          \"Trusted protection from Geminia Insurance, serving Kenyans for over four decades.\"\r\n        ]\r\n      },\r\n      quoteHref: \"https:\/\/portals.geminia.co.ke\/sign-in\"\r\n    }\r\n  ];\r\n\r\n  var mainTabs = Array.prototype.slice.call(section.querySelectorAll('.gm-pa__tab'));\r\n  var mainPanel = section.querySelector('#gmPaPanel');\r\n  var introText = section.querySelector('#gmPaIntroText');\r\n  var introCta = section.querySelector('#gmPaIntroCta');\r\n  var detailText = section.querySelector('#gmPaDetailText');\r\n  var listWrap = section.querySelector('#gmPaListWrap');\r\n  var coverField = section.querySelector('#gmPaCoverTypeField');\r\n\r\n  var subTabs = Array.prototype.slice.call(section.querySelectorAll('.gm-pa__switch-btn'));\r\n  var extraTabBtn = section.querySelector('#gmPaSubTab-extra');\r\n  var switchWrap = section.querySelector('.gm-pa__switch');\r\n  var highlight = section.querySelector('#gmPaSwitchHighlight');\r\n\r\n  var activeMain = 0;\r\n  var activeSub = 'ideal';\r\n\r\n  function fadeRefresh(el){\r\n    el.classList.remove('gm-pa-fade-refresh');\r\n    void el.offsetWidth; \/* force reflow so the animation can restart *\/\r\n    el.classList.add('gm-pa-fade-refresh');\r\n  }\r\n\r\n  function getSpec(sub, data){\r\n    if (sub === 'ideal') return { groups: [{ items: data.idealFor || [] }] };\r\n    if (sub === 'covered') return { groups: data.coveredGroups || [] };\r\n    if (sub === 'extra' && data.extra) {\r\n      return { intro: data.extra.intro || null, groups: [{ items: data.extra.items || [] }] };\r\n    }\r\n    return { groups: [] };\r\n  }\r\n\r\n  function renderList(){\r\n    var data = coverageData[activeMain];\r\n    var spec = getSpec(activeSub, data);\r\n\r\n    listWrap.innerHTML = '';\r\n    var labelId = activeSub === 'ideal' ? 'gmPaSubTab-ideal'\r\n      : activeSub === 'covered' ? 'gmPaSubTab-covered'\r\n      : 'gmPaSubTab-extra';\r\n    listWrap.setAttribute('aria-labelledby', labelId);\r\n\r\n    if (spec.intro){\r\n      var introP = document.createElement('p');\r\n      introP.className = 'gm-pa__list-intro';\r\n      introP.textContent = spec.intro;\r\n      listWrap.appendChild(introP);\r\n    }\r\n\r\n    spec.groups.forEach(function(group){\r\n      if (group.label){\r\n        var h4 = document.createElement('h4');\r\n        h4.className = 'gm-pa__group-label';\r\n        h4.textContent = group.label;\r\n        listWrap.appendChild(h4);\r\n      }\r\n      var ul = document.createElement('ul');\r\n      ul.className = 'gm-pa__list';\r\n      (group.items || []).forEach(function(text){\r\n        var li = document.createElement('li');\r\n        li.textContent = text;\r\n        ul.appendChild(li);\r\n      });\r\n      listWrap.appendChild(ul);\r\n    });\r\n\r\n    fadeRefresh(listWrap);\r\n  }\r\n\r\n  function renderMain(index){\r\n    activeMain = index;\r\n    var data = coverageData[index];\r\n\r\n    mainTabs.forEach(function(tab, i){\r\n      var selected = i === index;\r\n      tab.classList.toggle('is-active', selected);\r\n      tab.setAttribute('aria-selected', selected ? 'true' : 'false');\r\n      tab.tabIndex = selected ? 0 : -1;\r\n    });\r\n\r\n    if (mainPanel) mainPanel.setAttribute('aria-labelledby', 'gmPaTab-' + index);\r\n\r\n    introText.textContent = data.intro;\r\n    fadeRefresh(introText);\r\n    introCta.setAttribute('href', data.quoteHref);\r\n    detailText.textContent = data.detail;\r\n    fadeRefresh(detailText);\r\n    coverField.value = data.label;\r\n\r\n    var hasExtra = !!(data.extra && data.extra.items && data.extra.items.length);\r\n    if (extraTabBtn) {\r\n      extraTabBtn.hidden = !hasExtra;\r\n      if (hasExtra) extraTabBtn.textContent = data.extra.tabLabel || 'More Info';\r\n    }\r\n    if (!hasExtra && activeSub === 'extra'){\r\n      activeSub = 'ideal';\r\n    }\r\n\r\n    renderSub(activeSub);\r\n  }\r\n\r\n  function positionHighlight(){\r\n    var activeBtn = subTabs.filter(function(b){ return b.classList.contains('is-active') && !b.hidden; })[0];\r\n    if (!activeBtn) return;\r\n    var wrapRect = switchWrap.getBoundingClientRect();\r\n    var btnRect = activeBtn.getBoundingClientRect();\r\n    highlight.style.width = btnRect.width + 'px';\r\n    highlight.style.transform = 'translateX(' + (btnRect.left - wrapRect.left - 5) + 'px)';\r\n  }\r\n\r\n  function renderSub(sub){\r\n    activeSub = sub;\r\n    subTabs.forEach(function(btn){\r\n      var selected = btn.getAttribute('data-sub') === sub;\r\n      btn.classList.toggle('is-active', selected);\r\n      btn.setAttribute('aria-selected', selected ? 'true' : 'false');\r\n    });\r\n    positionHighlight();\r\n    renderList();\r\n  }\r\n\r\n  \/* Main tab interactions *\/\r\n  mainTabs.forEach(function(tab){\r\n    tab.addEventListener('click', function(){\r\n      renderMain(parseInt(tab.getAttribute('data-index'), 10));\r\n    });\r\n    tab.addEventListener('keydown', function(e){\r\n      var current = parseInt(tab.getAttribute('data-index'), 10);\r\n      var next = null;\r\n      if (e.key === 'ArrowRight') next = (current + 1) % mainTabs.length;\r\n      else if (e.key === 'ArrowLeft') next = (current - 1 + mainTabs.length) % mainTabs.length;\r\n      else if (e.key === 'Home') next = 0;\r\n      else if (e.key === 'End') next = mainTabs.length - 1;\r\n      if (next !== null){\r\n        e.preventDefault();\r\n        renderMain(next);\r\n        mainTabs[next].focus();\r\n      }\r\n    });\r\n  });\r\n\r\n  \/* Sub-tab (Ideal For \/ What Is Covered \/ Student Attachment Cover) interactions *\/\r\n  subTabs.forEach(function(btn){\r\n    btn.addEventListener('click', function(){ renderSub(btn.getAttribute('data-sub')); });\r\n    btn.addEventListener('keydown', function(e){\r\n      var visible = subTabs.filter(function(b){ return !b.hidden; });\r\n      var current = visible.indexOf(btn);\r\n      var next = null;\r\n      if (e.key === 'ArrowRight') next = (current + 1) % visible.length;\r\n      else if (e.key === 'ArrowLeft') next = (current - 1 + visible.length) % visible.length;\r\n      if (next !== null){\r\n        e.preventDefault();\r\n        renderSub(visible[next].getAttribute('data-sub'));\r\n        visible[next].focus();\r\n      }\r\n    });\r\n  });\r\n\r\n  \/* Initial render *\/\r\n  renderMain(0);\r\n  positionHighlight();\r\n\r\n  \/* Reposition the sliding highlight once layout\/fonts settle, and on resize *\/\r\n  window.addEventListener('load', positionHighlight);\r\n  if (document.fonts && document.fonts.ready){\r\n    document.fonts.ready.then(positionHighlight);\r\n  }\r\n  var resizeTimer;\r\n  window.addEventListener('resize', function(){\r\n    clearTimeout(resizeTimer);\r\n    resizeTimer = setTimeout(positionHighlight, 120);\r\n  });\r\n\r\n  \/* ---------- Callback form ---------- *\/\r\n  \/\/ Shared Geminia notification backend (Apps Script Web App) \u2014 emails\r\n  \/\/ david.soi@geminia.co.ke and posts to the shared Telegram bot\/chat.\r\n  \/\/ Same endpoint used by the Aviation Insurance widget; reads name, email,\r\n  \/\/ phone, comment, and cover_type generically, so no backend changes needed.\r\n  var GEMINIA_CALLBACK_ENDPOINT = 'https:\/\/script.google.com\/macros\/s\/AKfycbwFlGR1THNUVMzt3hSBfFQzRpW1uHqtKqY_frXnLFwE_TPyUsG2PokiDb7KKANJmLxh5Q\/exec';\r\n\r\n  var form = section.querySelector('#gmPaCallbackForm');\r\n  var statusEl = section.querySelector('#gmPaFormStatus');\r\n\r\n  form.addEventListener('submit', function(e){\r\n    e.preventDefault();\r\n    if (!form.checkValidity()){\r\n      form.reportValidity();\r\n      return;\r\n    }\r\n\r\n    var submitBtn = form.querySelector('.gm-pa__submit');\r\n    submitBtn.disabled = true;\r\n    submitBtn.textContent = 'Sending\u2026';\r\n    statusEl.textContent = '';\r\n\r\n    var payload = Object.fromEntries(new FormData(form));\r\n\r\n    fetch(GEMINIA_CALLBACK_ENDPOINT, {\r\n      method: 'POST',\r\n      mode: 'no-cors',\r\n      headers: { 'Content-Type': 'text\/plain;charset=utf-8' },\r\n      body: JSON.stringify(payload)\r\n    }).then(function(){\r\n      \/\/ Apps Script Web Apps don't send CORS headers, so in no-cors mode the\r\n      \/\/ response is opaque and can't be read. A resolved fetch promise means\r\n      \/\/ the request was sent successfully, so we treat that as success.\r\n      submitBtn.disabled = false;\r\n      submitBtn.textContent = 'Submit';\r\n      statusEl.textContent = \"Thanks \u2014 we've received your request and will call you back shortly.\";\r\n      form.reset();\r\n      \/\/ cover_type is a hidden field driven by the active main tab, not a\r\n      \/\/ user-entered field, so restore it after the native form.reset().\r\n      coverField.value = coverageData[activeMain].label;\r\n    }).catch(function(){\r\n      \/\/ Only genuine network failures land here.\r\n      submitBtn.disabled = false;\r\n      submitBtn.textContent = 'Submit';\r\n      statusEl.textContent = \"Something went wrong sending your request. Please try again or call us directly.\";\r\n    });\r\n  });\r\n})();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-915b6ff e-con-full e-flex e-con e-parent\" data-id=\"915b6ff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79a1236 elementor-widget elementor-widget-html\" data-id=\"79a1236\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Poppins:wght@400;500;600;700&display=swap\" rel=\"stylesheet\">\r\n\r\n<section class=\"gm-related\">\r\n  <div class=\"gm-related__inner\">\r\n\r\n    <h2 class=\"gm-related__heading\">Related Products<\/h2>\r\n\r\n    <div class=\"gm-related__grid\">\r\n\r\n      <a class=\"gm-related__card\" href=\"https:\/\/geminia.co.ke\/dev\/motor-insurance\/\" aria-label=\"Motor Insurance \u2014 view product\">\r\n        <span class=\"gm-related__bg\" style=\"background-image: url('https:\/\/geminia.co.ke\/dev\/wp-content\/uploads\/2026\/07\/Motor-Insurance.jpg');\" aria-hidden=\"true\"><\/span>\r\n        <span class=\"gm-related__overlay\" aria-hidden=\"true\"><\/span>\r\n        <span class=\"gm-related__label\">\r\n          Motor Insurance \r\n          <svg class=\"gm-related__arrow\" viewBox=\"0 0 16 16\" fill=\"none\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\" stroke=\"currentColor\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\r\n        <\/span>\r\n      <\/a>\r\n\r\n      <a class=\"gm-related__card\" href=\"https:\/\/geminia.co.ke\/dev\/travelinsurance\/\" aria-label=\"Travel Insurance \u2014 view product\">\r\n        <span class=\"gm-related__bg\" style=\"background-image: url('https:\/\/geminia.co.ke\/dev\/wp-content\/uploads\/2026\/07\/Travel-Insurance.jpg');\" aria-hidden=\"true\"><\/span>\r\n        <span class=\"gm-related__overlay\" aria-hidden=\"true\"><\/span>\r\n        <span class=\"gm-related__label\">\r\n          Travel Insurance\r\n          <svg class=\"gm-related__arrow\" viewBox=\"0 0 16 16\" fill=\"none\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\" stroke=\"currentColor\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\r\n        <\/span>\r\n      <\/a>\r\n\r\n      <a class=\"gm-related__card\" href=\"https:\/\/geminia.co.ke\/dev\/golfinsurance\/\" aria-label=\"Golf Insurance \u2014 view product\">\r\n        <span class=\"gm-related__bg\" style=\"background-image: url('https:\/\/geminia.co.ke\/dev\/wp-content\/uploads\/2026\/07\/Golf-Insurance.jpg');\" aria-hidden=\"true\"><\/span>\r\n        <span class=\"gm-related__overlay\" aria-hidden=\"true\"><\/span>\r\n        <span class=\"gm-related__label\">\r\n          Golf Insurance\r\n          <svg class=\"gm-related__arrow\" viewBox=\"0 0 16 16\" fill=\"none\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\" stroke=\"currentColor\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\r\n        <\/span>\r\n      <\/a>\r\n\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\r\n\r\n<style>\r\n  .gm-related{\r\n    --sky: #3fa6dd;\r\n    box-sizing: border-box;\r\n    background: #ffffff;\r\n    padding: 56px 24px 64px;\r\n    font-family: 'Poppins', sans-serif;\r\n  }\r\n  .gm-related *{ box-sizing: border-box; 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