We also offer Workman's Compensation, an employee benefit plan enforced by law that guarantees employees financial compensation when, by accident, they suffer injury, become disabled or die while at work. We cover medical expenses, funeral expenses, accidental death, Permanent Total Disablement (PTD), Temporary Total Disablement (TTD) and Occupational diseases.
- 24 hours cover and we cover both occupational and off duty
- Passive war (not involved in active combat)
- Reimbursement of medical expenses resulting from an injury or accident
- The policy will reimburse towards the costs incurred for a funeral when a person dies as a result of an accident or passive war
- A short- term circumstance wherein the employee is expected to recover fully from a disability but can't work while recovering. The policy will pay out the injured person’s weekly earnings up to a maximum of 104 weeks
Death – 3/5 year earnings or fixed benefit - an amount equivalent to an employee’s multiple-year earnings or a fixed sum benefit will be paid should a staff member die due to an accident or passive war.
Permanent Total Disability (PTD) - is when an individual is no longer able to work due to injuries sustained from an accident. An amount equivalent to an employee’s multiple-year earnings or a fixed sum benefit will be paid should a staff member get permanently disabled due to an accident or passive war. These covers are both worldwide.
Here's more on what is covered under the policy:
- Medical checkups/exams not related to an illness
- Family planning & infertility.
- Alcohol and substance abuse.
- Weight management treatments and drugs.
- Cosmetic treatments.
- Nutritional supplements unless prescribed as part of medical treatment of specified conditions.
- Self-referred or self-prescribed treatment.
- Treatment outside the appointed panel of service providers (unless pre-authorized).
- Impotence drugs
- Alternative (acupuncture, chiropractor, homoeopathy etc.) and herbal medicine.
- Diagnostic equipment (e.g. Glucometers, BP machines etc.) and hearing aids.
- Experimental treatment.
- External surgical appliances (frames, wheelchairs).
Outpatients exclusions
Claims arising from war (whether declared or not) and guerilla activities are not covered, but we are willing to extend a sub-limit upon payment of additional premium.
Others: