International group schemes are available to businesses looking to insure three or more expatriate employees. Cover must be on a compulsory basis for all eligible employees or all employees of a certain category. Plans must be paid for from one source.
Employees value benefits that will provide security for their families. A Global Life plan is an easy way to provide this employee benefit, ensuring your workforce is fully protected in the event that the worst should happen.
- International cover for your employees, at home and abroad
- Insure up to 5x annual salary (up to $1,500,000 per employee)
- Cover available as a multiple of salary, or a flat amount of cover for all employees
- Cover available to employees age 18 to 64 (premiums are age-related)
- Although plans are annually renewable, there will be no further underwriting once cover is in force unless benefit levels increase
Although the Global Life plan covers death by illness and accident, you can increase the amount of cover for your employees in respect of an accident by including our optional Global Accident plan.
- Additional benefit available in conjunction with Global Life cover
- Benefit level will be equal to the Life benefit, subject to the standard maximum benefit levels
- Double indemnity for your employees if they die in an accident. Beneficiaries will receive both the Life and Accident Benefit amounts
- Lump sum cash benefit if your employee is seriously injured as a a result of an accident
- Sliding scale of compensation depending on the severity of the injury
WHAT ARE THE MEDICAL REQUIREMENTS?
Provided your employees are all actively at work, cover can commence as soon as we have received your applications forms and the premium.
Groups of between 3 and 9 employees
Immediate cover will be provided up to the following non-medical limits:-
US$100,000 or €100,000 or £60,000 or AED400,000
Cover in excess of these amounts will be subject to medical evidence.
Groups of between 10 and 19 employees,
Immediate cover can be provided up to the following non-medical limits:-
US$300,000 or €225,000 or £190,000 or AED1,100,000
Medical evidence will be required for cover in excess of these non medical limits.
Groups of 20 + employees
Special terms can be offered to groups of 20 or more employees, without the need for medical evidence.
EXCLUDED COUNTRIES
We are unable to provide cover for certain countries or regions - click here for further details.
30-DAY MONEY BACK GUARANTEE
The Global Life and Accident plan comes with a 30-day money back guarantee. If you are not entirely satisfied with the plan, tell us in writing within the first 30 days of cover and, subject to there having been no claim, we will refund the premium in full.
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