Employee Benefits.

Because looking after your employees should always come first.

  • Group Life
  • Group Personal Accident Insurance
  • Group Personal Accident Insurance

    Get all-encompassing accident insurance that protects your employees

    Every business owner needs the peace of mind that they are protected from the consequences of an employee being involved in an accident.  Hollard Mozambique’s Group Personal Accident Insurance provides your business with cover if an individual employed by you suffers accidental injury, disability or death and pays the benefit to the business entity that takes out the policy, rather than the employee or their beneficiaries.

    You have the option to:

    • Take round-the-clock cover or limit it to the time your employees are at work 
    • Base benefits on earnings or fixed sums
    • Distribute the benefit to the employee or their beneficiaries, at your discretion.  
    • Apply to extend the benefit to include illness cover 

    Group Personal Accident Insurance Cover includes:

    Death:

    If the employee has dependents, you have the choice to pay a percentage of the benefit to the family and use the balance for costs incurred. 

    If the employee has no dependents, the benefit could be used for costs of retraining or recruitment.

    Permanent Disability

    If the employee’s injuries result in a permanent disability, the benefit payment can be used to contribute towards the costs of any rehabilitation or assistive devices (e.g. a prosthetic limb)

    Temporary Total Disability

    If the employee is temporarily disabled and unable to carry out normal work duties, the employer can claim the earnings paid to them.

    Medical Expenses

    If the employee incurs medical costs, as a result of the accident, these will be reimbursed along with the costs of any emergency transport. 


    Extensions may be added to the policy to cover provisions such as:

    • Disappearance                                     
    • Disfigurement (not limited to burns)     
    • Funeral costs                                      
    • Rehabilitation costs
    • Mobility costs
    • Body transportation costs
    • Emergency transportation costs
    • Temporary Total Disablement following illness
    • Dread Disease Cover
    • Daily Hospital Cash Benefits - as a result of accident or illness
    • Trauma
    • Unusual risks

    * Terms and conditions apply.

     

  • Group Funeral Cover
  • Workmen’s Compensation
  • Hollard Cigna Health