The following plans are available to Employees and Directors within an Employee Group, Internationally:

LIFE

Group Life
To pay a fixed sum or multiple of salary on the death of an employee.

Keyman, Shareholder/Partnership Protection
To pay a lump sum in the event of death or permanent disability as a result of accident or sickness to prevent financial impact on the business.

Individual High Sum Assured Term Life
To pay a fixed sum or multiple of salary in the event of death during the policy term.

DISABILITY

Group and Keyman Long Term Disability Insurance (Income Protection)
To pay a proportion of monthly salary in the event of Temporary Disability caused by accident or sickness for either a limited period or until retirement age. A typical waiting period of 13, 26 or 52 weeks apply before LTD benefits commence.

Group and Keyman Short Term Disability
To pay a proportion of monthly salary in the event of Temporary Disability caused by accident or sickness, usually after the first 7 days of absence and up to a pre-defined period, (Maximum 5 years) or, as we find that it is common that both disability products are bought together, the date when the LTD benefits commence.

ACCIDENT

Personal Accident
To pay a fixed sum or multiple of salary on the death or disablement caused by an accidental bodily injury.

War & Terrorism Risks
To pay a lump sum in the event of death, disablement or medical expenses caused by war, hostilities or terrorism Worldwide.

MEDICAL

Full Private Medical Insurance
To meet medical costs incurred for expatriate, internationally mobile and key local employees, along with their dependant families.

We have unrivalled flexibility to design a medical program to match corporate or budgetary demands. From low-cost cash plans to cover the incidental costs of being ill, to Critical Illness plans for peace of mind in the event of a catastrophic diagnosis, Evacuation plans in the event of medical emergency through to market-leading comprehensive cover including maternity, wellness and dental.

Medical Stop-Loss
To protect self-insured medical funds against claims costs in excess of a pre-set level.

Travel
To reimburse a range of losses, including emergency medical costs, trip cancellation and replacement baggage, incurred whilst travelling abroad on business.