Group insurance helps to promote a healthy and stable working environment and provide benefits to both your business and your employees. Group risk policies help to ensure business continuity by helping your employees get back to work after illness. They also support your employees, and their families, through some of the most challenging times.

Group income protection

Income protection helps to manage sickness and associated costs by providing financial support to employers.

It also helps employees to continue to work or get back to work by providing practical support and rehabilitation.

Group critical illness cover

Group critical illness cover provides financial support to employees if they are diagnosed with an illness, or require treatment that is deemed 'critical' in the terms of the policy.

Financial support is provided through the payment of a lump sum designed to cover costs commonly incurred due to a critical illness.

Group life assurance

These schemes provide financial and emotional support to the beneficiaries of the policy during bereavement.

Financial support is provided in the form of a tax free lump sum that is paid to the loved ones of the employee after loss of life. Counselling may also be provided to the beneficiaries of the policy and colleagues who may also have been affected.

Group Private Medical Insurance

This provides employees with the valuable benefit of seeking medical treatment where and when they choose, with the option to extend coverage to the employees immediate family.

Medical cash plans are a cost effective alternative to help fund medical treatment and also can offer optical and dental options.

Group death in service

Group death in service is similar to life assurance as it provides financial support to the employee's beneficiaries in the event of loss of life.

Typically these provide an income which would be based on a percentage of the employee's salary.

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