Employee Benefits
Explore the purpose, policy options and common coverage areas within this insurance category.
4 solutions in this categoryStart with the role this cover can play.
Policy names can be technical. The useful question is what risk the cover is intended to address, what information insurers may need and which terms matter for your situation.
What this category is for
This category brings together insurance products designed around a related group of risks and protection needs.
Explore the policy library belowWhat to compare
Scope, exclusions, limits, deductibles, waiting periods, warranties and insurer-specific wording can materially change the protection.
What to prepare
The right information depends on the policy, but accurate exposure details usually help produce a more relevant insurance conversation.
4 options within Employee Benefits.
Use these pages to understand the purpose of each policy and the areas worth discussing with an advisor. Final coverage depends on policy wording, schedule, limits, exclusions, terms and underwriting.
Group Medi Claim (GMC)
A health insurance policy that provides medical coverage to a group of employees and their dependents under a single master policy.
Understand this policyGroup Personal Accident (GPA)
An accident policy that offers financial compensation in the event of death, disability, or injury of employees due to an accident.
Understand this policyGroup Term Life Insurance (GTLI)
A life insurance policy that pays a lump-sum benefit to an employee’s nominee in the event of their death during the policy term.
Understand this policyWorkmen’s Compensation Insurance (WCI)
Mandatory insurance that covers legal liability of an employer for injury, disability, or death of a worker during the course of employment.
Understand this policyDo not compare price without comparing protection.
The cheapest quotation is not automatically the most appropriate cover. Important differences can sit in wording, sub-limits, deductibles, exclusions, warranties and claim conditions.
Scope
What events, assets, people or liabilities are actually insured?
Limits
Where do sub-limits, deductibles or waiting periods change the usable protection?
Conditions
What warranties, declarations or information requirements affect cover?
Service
How will servicing, endorsements and claims coordination work after purchase?
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