Employee Benefits
Group health, life, and benefit programmes benchmarked against the market and built around your workforce, employee expectations, and sustainable organisational cost.
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EmployeeBenefits
Individuals · Employers · Groups
Employee benefits represent both a significant cost and a critical talent retention tool. We benchmark your programmes against sector norms, evaluate insurer claims ratios and network quality, and design benefit structures that deliver value to employees while remaining financially sustainable.
Many organisations renew their group health and life policies without understanding claims experience, network adequacy, or how their benefits compare to competitors. We provide the analysis and market insight needed to make informed decisions.
Individual and group health, life, and employee benefit programs — delivered with the same advisory discipline and careful product analysis that we apply to every other line of business.
PRODUCTS
Group Health Insurance
Comprehensive coverage for employees and dependents including hospitalisation, pre/post care, and outpatient benefits.
Whats Covered
Cashless hospitalisation, pre/post-hospitalisation, daycare procedures, maternity, ambulance, dependent cover
Key Exclusions
Cosmetic procedures, dental (unless added), self-inflicted injury, war/nuclear, alcohol-related
Group Personal Accident Insurance
Coverage for employees against accidental death, permanent total/partial disability, and temporary total disability.
Whats Covered
Accidental death, permanent total/partial disability, temporary total disability, weekly compensation
Key Exclusions
Self-inflicted injury, war, illness, pre-existing disability, professional sports
Group Term Life Insurance
Employer-provided life coverage for employees — cost-efficient, staff retention-positive, and complementing statutory obligations.
Whats Covered
Death benefit (any cause), terminal illness rider, optional accident enhancement
Key Exclusions
Suicide within first year, war/nuclear, criminal acts, undisclosed health conditions
Workmen's Compensation
Statutory coverage for employee injuries or death arising out of and in the course of employment — mandatory under WC Act 1923.
Whats Covered
Employment-related injury, occupational disease, death, medical expenses, weekly compensation
Key Exclusions
Non-employment injuries, employee under intoxication, wilful disobedience of safety rules
Keyman Insurance
Life and disability coverage for key individuals whose loss would significantly impact business operations or profitability.
Whats Covered
Death of key person, permanent disability, business continuity funding
Key Exclusions
Suicide within first year, war/nuclear, undisclosed pre-existing conditions
Superannuation & Retirement Benefits
Structured retirement benefit programmes including gratuity funding, pension schemes, and post-retirement medical benefits.
Whats Covered
Gratuity funding, superannuation, leave encashment funding, post-retirement medical
Key Exclusions
Termination for cause, employees not vested per service rules, voluntary resignation pre-vesting
Wellness & Preventive Health
Supplementary wellness programmes including health screenings, mental health support, and preventive care benefits.
Whats Covered
Annual health screening, telemedicine, mental-health consultation, chronic-care programmes
Key Exclusions
Curative treatment, cosmetic procedures, alternative medicine (unless extended)
Employer's Liability Insurance
Coverage for employer's legal liability to employees beyond statutory workmen's compensation limits.
Whats Covered
Employee injury claims beyond WC, occupational disease, defence costs, legal liability
Key Exclusions
Intentional acts, employees outside scope of employment, contractual indemnities to third parties
Employee Benefits
Frequently asked questions about employee benefits coverage.
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