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Corporate options
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Global
health
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Global Health international health insurance plans provide affordable
cover for medical expenses and evacuation costs wherever your employees
live or work.
Our plans have been created with the needs of expatriates and
expatriate employers in mind.
All offer comprehensive cover for hospitalisation and emergency
evacuation as standard, with the option to select a wide range of
additional benefits as required. |
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Global life
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Life cover offers your employees reassurance that
their families will be financially protected with an immediate lump sum,
should they die through illness or accident whilst in your employment.
Global
Life - key features
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Cash Lump Sum |
The amount of
benefit payable to an employee’s family on death could be a multiple of
salary or a fixed lump sum. |
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Group Plans |
A group Global
Life plan can include as few as five employees. |
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Valuable optional benefits
To complement a
group life plan, we also offer the following optional benefits:
Critical
Illness Protection
Dealing with a serious illness can be financially draining as well as
emotionally devastating. Critical illness cover is a most effective
protection as it provides your employees with a lump sum on diagnosis of
a specific illness such as cancer, heart disease or stroke.
Accidental
death & dismemberment Benefit
If an employee dies as a result of an accident, this benefit is paid in
addition to the Global Life benefit. Alternatively, if an employee
suffers the loss of, or loss of use of, a limb, or part of a limb, or
their sight, speech or hearing, an additional lump sum is paid to help
ease the financial strain of coping with their new disability. In this
instance, the amount of benefit paid depends upon the severity of the
injury sustained. |
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Global
income protection - key features
Income protection insurance, or long-term disability
insurance as it is also known, is designed to provide employees with an
income when they are absent from work for a long period of time due to
illness or accident.
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Regular replacement income
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The plan pays a regular monthly income equal to a percentage of your
employee’s pre-disability salary. You can insure up to 75% of their
salary. Benefit commences after a deferment period of three, six or
twelve months of disability. The benefit can remain level, or it can
include an annual escalation rate to provide protection against future
inflation. |
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Benefit
payments
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Once your employee’s claim has been accepted, they will start to receive
their monthly income benefit. They will continue to receive benefit for
a period of up to 24 months whilst they are totally unable to return to
their own occupation.
After they have received benefit for 24 months, they will continue to
receive benefit if they are totally unable to return to any occupation
for which they are reasonably suited by way of education, training or
experience. If after 24 months your employee is able to return to a
different occupation, even if it is a less well paid occupation, their
benefit will cease.
Benefit payments automatically cease upon attaining retirement age or
upon death. Waiver of premium during the period of a claim is available
as an additional benefit. |
Valuable option
Total and Permanent disability Protection
Total and
Permanent Disability Protection is an alternative and less expensive
solution to Income Protection where the benefit is paid as a lump sum in the
event that the employee is totally, permanently and irreversibly disabled. |
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Obtaining a quotation |
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