We can advise you on factors that need to be kept in mind to design a cover for your employees. Coverages can be customized based on employee designation, salary slabsand so on. The cover can be extended worldwide and 24*7, even after office hours.
For death, permanent total (and partial) disability, temporary disability in the event of an accident, a lumpsum or fixed claim amount can be triggered. This can be over and above medical expenses for accidents and other add ons such as ambulance charges. This is called a benefit policy since a weekly benefit can be defined in the event of temporary disability when the person insured is recovering and cannot come to the workplace.
We help negotiate bulk discounts with insurers, while also helping you navigate policy conditions, exclusions and coverages which can vary significantly across insurers. Also, some add ons can be recommended depending upon the industry such as terrorism, snake bite etc
Yes, it does . Also, the exclusions may vary across insurers. Some common exclusions include natural death, self inflicted injuries, intoxication, death or injury due to HIV or any sexually transmitted diseases, due to war and participation in criminal acts, while engaging in an adventure sport or hazardous activity.
Direct Broker (General), IRDA License No 728 (Valid upto 25th August, 2023), Bluearmour Insurance Brokers Private Limited, CIN: U66000HR2019PTC084231