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Life and Disability

You can never be too careful. Opt for our life & disability solution to guarantee your employees' financial security and maintain their standard of living, should anything happen to them abroad.

Flexible options

Flexible options

Choose coverage to suit the needs of your employees: death lump sum, PTD lump sum with options and disability lump sum all causes and/or daily benefits in $ or €.

High level of protection

High level of protection

Opt for a death/PTD lump sum up to €/$1,000,000 with optional income protection.

International coverage

International coverage

Give your employees the option of keeping their international life & disability coverage if they move to another country or return temporarily to their home country.

Peace of mind

Peace of mind

Give your employees the option of life & disability coverage up to age 70, even if their health deteriorates.

Our Offers

Life insurance cover

Give your employees and their families the option of receiving a lump sum of up to €/$1,000,000  to guarantee their financial security in the event of death or permanent total disability. You can also opt to double this sum in case of accident.

Disability benefit (optional)

Opt for a lump sum of up to €/$ 1,000,000 to help your employees cope with unforeseen expenses in the event of disability (based on the degree of disability recognized).

Income protection (optional)

Give your employees the option of receiving financial assistance if an accident or illness prevents them from working. Our income protection plan will replace 70% of their income in the form of standard daily benefits or short-term or long-term daily benefits (STD/LTD).


Frequently Asked Questions

Why should I opt for life and disability coverage?

We know that an accident or illness can mean more than just medical expenses. That is why we also recommend taking out life & disability coverage. This will allow your employees to maintain their standard of living - in the event of sick leave from work - and protect their family from financial difficulties in the event of death. Life & disability coverage can be purchased separately from our international health insurance.

How much life insurance cover and disability benefit can I apply for?

You can choose a maximum lump sum of €/$1,000,000 in multiples of €/$25,000 of death/PTD benefit. You can also opt to double this lump sum in case of accident.
You can also choose a maximum disability all causes lump sum of €/$1,000,000 in multiples of €/$25,000. This lump sum cannot exceed the death/PTD benefit already chosen.

How long will life & income protection plans cover for?

Life & disability plans are automatically renewed each year until the age of 70, without your employees having to provide medical evidence. Even if they fall ill during this period, they will still be covered by their life & disability plan.

Who will the death lump sum be paid to?

When you purchase a death/PTD and/or all-causes disability benefit plan, we ask employees to fill out a form in which they name their beneficiary. Their lump sum will be paid directly to the person or persons they have named as beneficiary in case of death.

How do the income protection plans work?

If an illness or accident prevents your employees from earning a living, our income protection plans provide regular daily benefits. If you choose the standard daily benefit they will start receiving the payments after a waiting period of 30, 60 or 90 days and for a maximum of 24 months. If you opt for short-term disability protection, they will start receiving benefits after a 6-day waiting period and for a maximum of 30, 60 or 180 days. If you choose long-term disability protection, they will start receiving benefits after a waiting period of 30, 60 or 180 days and for a maximum of 1,095 days.

How much income protection can I apply for?

Standard daily benefits
You can opt for daily benefits ranging from €/$25 to €/$500 per day in multiples of €/$25, and up to one thousandth of the death/PTD lump sum you have chosen. This daily benefit cannot exceed 70% of your employee's daily income.

Short-term disability (STD) and Long-term disability (LTD) benefits
Your employee's daily benefits are set at 70% of the average daily salary they received during the 12 calendar months preceding the period of sick leave.
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