Group Insurance
Basic sum assured
The basic sum assured provides for a payment to the beneficiary in the event that the covered employee dies from natural causes. Basic sum assured is normally reduced by 50% at age 65 years, and ceases at age 70 years if the employee is still actively at work. Our flexible approach allows you to design the insurance that is suited for the unique needs of each group. Coverage will be on the life of all eligible employees and will be based on a formula determined by the employer or plan-sponsor. Insurance commences immediately the policy is effected and first premium is paid, but, there would be waiting period or medical requirements for anyone who, at that time, is absent from work due to illness.

Accidental death and dismemberment benefit
The accidental death and dismemberment provides for payment to the beneficiary of an employee who died from an accident. It also provides financial assistance to an employee who suffers disabling loss to limbs where such loss occurs within 365 days after the date of the accident. Benefits are paid in accordance with an agreed schedule of benefits.

Disability income benefit
This income replacement benefit provides valuable financial assistance to employees who become incapacitated and are unable to report for work for short periods. In the event that the insured employee as a result of an accident or illness, within 30 days after the date of the accident or illness, becomes disabled and remains continually disabled for a period in excess of the elimination period (if applicable), Guardian Life will pay the agreed benefit. Benefit payments will be made on a weekly or monthly basis and may continued for up to two years.

Accident medical reimbursement benefit
The accidental medical reimbursement plan compensates employees who expenses arising from an accident. If the insured employee as a result of accident, within 30 days after the date of the accident, requires medical treatment; and/or confinement in an hospital or the use of the out-patient facility of an hospital; and/or employment of a registered nurse; and/or dental treatment to sound natural teeth by a registered dentist, Guardian Life will pay the reasonable, customary and necessary medical expenses actually incurred within 52 weeks from the date of the accident to the agreed maximum.

Educare
Educare is a personal accident insurance plan that was specially designed for schools. The student personal accident insurance plan provides some amount of financial relief in the event of accidents. This plan of insurance reimburses parents/guardian for medical and dental expenses (up to agreed limits) incurred as a result of accident. In the unfortunate case of a fatal accident, the plan provides compensation according to agreed limits.