“To build a secure and dynamic company, providing insurance protection to the satisfaction of each proposed, against the risks inherent in the modern society and economic environment, thereby contributing to the growth and development of humanity”.
Our philosophy has been successful and is founded on some key strength – continuity, integrity, and service – which together have ensured our willingness and our ability to pay claims. It has made us a secure partner for your insurance needs, today and in the future.
This type of insurance covers employees or group of people against loss of life or bodily injury arising from accidents both in the course of work and outside work situations. It is a 24-hour cover but can be limited to exclude accidents arising in the course of one's employment - with a resultant reduction in premium. This is particularly so where the employer already has workmen's compensation policy.
The benefits provided for are death, permanent disablement, temporary total disablement, and medical expenses. The employer is expected to categorize the employees and indicate the benefit to be covered as required under the workmen's compensation insurance above. For employees, the benefits insured under the death and permanent disablement is usually a multiple of the annual earnings of the employees, while the temporary total disablement benefit is the equivalent of daily earning per day. Medical expenses can be any amount chosen by the employer.
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